retirement worksheet
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Instructions:
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Fill in all the red numbers.
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* Your current age,
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* the current balance of your retirement account(s) - not including assets like equity in your home, since you'll need someplace to live in retirement,
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* your INITIAL annual contribution in terms of new investments (e.g. 17,500 to your 401k, plus 5,500 to your Roth IRA, plus 5,000 of other investments),
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* the annual appreciation you want to assume (6% after inflation, or 1.06, is a relatively safe assumption if you're heavily invested in a broad stock market index, but 1.05 or even 1.04 would be more conservative),
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* the amount by which you intend to INCREASE your annual contributions each year,
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* and finally, the age at which you hope to retire.
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The green boxes will tell you what your retirement might look like, assuming a "safe" withdrawal rate of 4% per year.
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The green box with yellow text is the all-important number, as it's the income you could expect in retirement given your other input.
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agebalanceannual contribappreciationwithdrawaltotal increase
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2860,000.0013,800.000.000.000.001.06annual appreciation
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2977,400.0014,076.003,600.000.0017,400.00276.00annual contribution increase
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3096,120.0014,352.004,644.000.0018,720.0065retirement age
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31116,239.2014,628.005,767.200.0020,119.20
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32137,841.5514,904.006,974.350.0021,602.35RETIREMENT AGE SNAPSHOT:
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33161,016.0515,180.008,270.490.0023,174.492,689,698.61balance at retirement
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34185,857.0115,456.009,660.960.0024,840.96107,587.94annual retirement income (4% safe withdrawal rate)
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35212,464.4315,732.0011,151.420.0026,607.42161,381.92annual appreciation (post-retirement)
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36240,944.2916,008.0012,747.870.0028,479.8753,793.97potential yearly surplus (appreciation minus 4% withdrawal)
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37271,408.9516,284.0014,456.660.0030,464.66
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38303,977.4916,560.0016,284.540.0032,568.54
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39338,776.1416,836.0018,238.650.0034,798.65
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40375,938.7117,112.0020,326.570.0037,162.57
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41415,607.0317,388.0022,556.320.0039,668.32
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42457,931.4517,664.0024,936.420.0042,324.42
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43503,071.3417,940.0027,475.890.0045,139.89
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44551,195.6218,216.0030,184.280.0048,124.28
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45602,483.3518,492.0033,071.740.0051,287.74
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46657,124.3618,768.0036,149.000.0054,641.00
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47715,319.8219,044.0039,427.460.0058,195.46
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48777,283.0119,320.0042,919.190.0061,963.19
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49843,239.9919,596.0046,636.980.0065,956.98
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50913,430.3919,872.0050,594.400.0070,190.40
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51988,108.2120,148.0054,805.820.0074,677.82
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521,067,542.7020,424.0059,286.490.0079,434.49
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531,152,019.2620,700.0064,052.560.0084,476.56
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541,241,840.4220,976.0069,121.160.0089,821.16
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551,337,326.8421,252.0074,510.430.0095,486.43
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561,438,818.4621,528.0080,239.610.00101,491.61
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571,546,675.5621,804.0086,329.110.00107,857.11
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581,661,280.1022,080.0092,800.530.00114,604.53
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591,783,036.9022,356.0099,676.810.00121,756.81
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601,912,375.1222,632.00106,982.210.00129,338.21
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612,049,749.6222,908.00114,742.510.00137,374.51
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622,195,642.6023,184.00122,984.980.00145,892.98
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632,350,565.1623,460.00131,738.560.00154,922.56
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642,515,059.0723,736.00141,033.910.00164,493.91
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652,689,698.6124,012.00150,903.540.00174,639.54
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662,743,492.580.00161,381.92107,587.9453,793.97
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672,798,362.430.00164,609.55109,739.7054,869.85
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682,854,329.680.00167,901.75111,934.5055,967.25
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692,911,416.280.00171,259.78114,173.1957,086.59
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702,969,644.600.00174,684.98116,456.6558,228.33
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713,029,037.490.00178,178.68118,785.7859,392.89
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723,089,618.240.00181,742.25121,161.5060,580.75
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733,151,410.610.00185,377.09123,584.7361,792.36
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743,214,438.820.00189,084.64126,056.4263,028.21
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753,278,727.600.00192,866.33128,577.5564,288.78
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763,344,302.150.00196,723.66131,149.1065,574.55
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773,411,188.190.00200,658.13133,772.0966,886.04
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783,479,411.960.00204,671.29136,447.5368,223.76
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793,549,000.200.00208,764.72139,176.4869,588.24
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803,619,980.200.00212,940.01141,960.0170,980.00
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813,692,379.800.00217,198.81144,799.2172,399.60
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823,766,227.400.00221,542.79147,695.1973,847.60
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833,841,551.950.00225,973.64150,649.1075,324.55
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843,918,382.990.00230,493.12153,662.0876,831.04
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853,996,750.650.00235,102.98156,735.3278,367.66
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864,076,685.660.00239,805.04159,870.0379,935.01
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874,158,219.370.00244,601.14163,067.4381,533.71
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884,241,383.760.00249,493.16166,328.7783,164.39
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894,326,211.440.00254,483.03169,655.3584,827.68
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