Pension Calc - Quick and Dirty
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The gray cells give an error in LibreOffice and don't seem to work well in Google Sheets. Let's just say that the return is really bad here.
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Take it now,
Pension age 55 onward:
Pension age 62 onward:
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4% rule
Effective rate is whatever your investments earn,
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200,000.00
here set at 5% per year.
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EffectiveEffective
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5.00%4.00%
Rate if Pension
Rate if Pension
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AGEStartEarnDraw 4%End
Ends this Year:
Ends this Year:
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-200,000.00-200,000.00
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55200,000.0010,000.008,000.00202,000.007,200.00Just bad0.00Just bad
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56202,000.0010,100.008,080.00204,020.007,200.00Just bad0.00Just bad
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57204,020.0010,201.008,160.80206,060.207,200.00Just bad0.00Just bad
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58206,060.2010,303.018,242.41208,120.807,200.00Just bad0.00Just bad
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59208,120.8010,406.048,324.83210,202.017,200.00-38.99%0.00Just bad
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60210,202.0110,510.108,408.08212,304.037,200.00-31.62%0.00Just bad
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61212,304.0310,615.208,492.16214,427.077,200.00-25.99%0.00Just bad
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62214,427.0710,721.358,577.08216,571.347,200.00-21.59%10,700.00-30.65%
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63216,571.3410,828.578,662.85218,737.057,200.00-18.09%10,700.00-23.04%
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64218,737.0510,936.858,749.48220,924.437,200.00-15.26%10,700.00-18.27%
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65220,924.4311,046.228,836.98223,133.677,200.00-12.95%10,700.00-14.84%
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66223,133.6711,156.688,925.35225,365.017,200.00-11.03%10,700.00-12.21%
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67225,365.0111,268.259,014.60227,618.667,200.00-9.41%10,700.00-10.12%
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68227,618.6611,380.939,104.75229,894.847,200.00-8.04%10,700.00-8.41%
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69229,894.8411,494.749,195.79232,193.797,200.00-6.87%10,700.00-7.00%
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70232,193.7911,609.699,287.75234,515.737,200.00-5.86%10,700.00-5.82%
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71234,515.7311,725.799,380.63236,860.897,200.00-4.98%10,700.00-4.80%
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72236,860.8911,843.049,474.44239,229.507,200.00-4.21%10,700.00-3.94%
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73239,229.5011,961.479,569.18241,621.797,200.00-3.54%10,700.00-3.18%
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74241,621.7912,081.099,664.87244,038.017,200.00-2.94%10,700.00-2.53%
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75244,038.0112,201.909,761.52246,478.397,200.00-2.41%10,700.00-1.95%
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76246,478.3912,323.929,859.14248,943.177,200.00-1.94%10,700.00-1.44%
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77248,943.1712,447.169,957.73251,432.607,200.00-1.52%10,700.00-0.99%
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78251,432.6012,571.6310,057.30253,946.937,200.00-1.14%10,700.00-0.59%
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79253,946.9312,697.3510,157.88256,486.407,200.00-0.79%10,700.00-0.23%
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80256,486.4012,824.3210,259.46259,051.267,200.00-0.48%10,700.000.10%
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81259,051.2612,952.5610,362.05261,641.787,200.00-0.20%10,700.000.39%
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82261,641.7813,082.0910,465.67264,258.197,200.000.06%10,700.000.65%
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83264,258.1913,212.9110,570.33266,900.787,200.000.29%10,700.000.89%
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84266,900.7813,345.0410,676.03269,569.787,200.000.50%10,700.001.11%
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85269,569.7813,478.4910,782.79272,265.487,200.000.70%10,700.001.31%
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86272,265.4813,613.2710,890.62274,988.147,200.000.88%10,700.001.49%
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87274,988.1413,749.4110,999.53277,738.027,200.001.05%10,700.001.66%
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88277,738.0213,886.9011,109.52280,515.407,200.001.20%10,700.001.81%
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89280,515.4014,025.7711,220.62283,320.557,200.001.34%10,700.001.96%
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90283,320.5514,166.0311,332.82286,153.767,200.001.47%10,700.002.09%
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91286,153.7614,307.6911,446.15289,015.297,200.001.60%10,700.002.21%
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92289,015.2914,450.7611,560.61291,905.457,200.001.71%10,700.002.32%
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93291,905.4514,595.2711,676.22294,824.507,200.001.81%10,700.002.42%
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94294,824.5014,741.2311,792.98297,772.757,200.001.91%10,700.002.52%
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95297,772.7514,888.6411,910.91300,750.477,200.002.00%10,700.002.60%
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96300,750.4715,037.5212,030.02303,757.987,200.002.09%10,700.002.69%
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97303,757.9815,187.9012,150.32306,795.567,200.002.17%10,700.002.76%
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98306,795.5615,339.7812,271.82309,863.517,200.002.24%10,700.002.84%
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99309,863.5115,493.1812,394.54312,962.157,200.002.31%10,700.002.90%
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100312,962.1515,648.1112,518.49316,091.777,200.002.38%10,700.002.97%
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101316,091.7715,804.5912,643.67319,252.697,200.002.44%10,700.003.02%
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102319,252.6915,962.6312,770.11322,445.227,200.002.50%10,700.003.08%
57
103322,445.2216,122.2612,897.81325,669.677,200.002.55%10,700.003.13%
58
104325,669.6716,283.4813,026.79328,926.367,200.002.60%10,700.003.18%
59
105328,926.3616,446.3213,157.05332,215.637,200.002.65%10,700.003.22%
60
106332,215.6316,610.7813,288.63335,537.787,200.002.70%10,700.003.27%
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107335,537.7816,776.8913,421.51338,893.167,200.002.74%10,700.003.31%
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