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1 |  | AOC Simpli-FI-ed Calculator | https://alloptionsconsidered.com/disclaimer-transparency/ | Year | Starting Balance | Deposits | Withdrawal | Growth | Fees | Total Portfolio Balance | 3.33%% SWR Income | Yearly SWR | Budget | Vlookup for FIRE# | Hit FI # | Zero | Years | Count | 3.33% Target LT SWR | Actual Ave. LT SWR | Retirement Year | Closest To Fire # | 100 Years Old | Zero Portolio @ 95 yo | Events | |||||||||
2 | No need to request edit access. Just copy this file to your Google Drive and then you can enter your own numbers. Remember, DO NOT edit GRAY formula cells. | 2020 | $600,000 | $29,000 | 0 | $27,362 | $191 | $656,170 | $21,872 | 0.00% | $32,000 | $656,170 | 1 | 2020 | 0 | 3.33% | 7.99% | 2030 | $40,000 | Target Retirement Yr | ||||||||||||||
3 | What Year is it Today? | 2020 | 2021 | $656,170 | $29,000 | 0 | $29,805 | $208 | $714,767 | $23,826 | 0.00% | $32,640 | $714,767 | 1 | 2021 | 0 | 3.33% | 7.99% | 2028 | $1,180,235 | Hit Fire # | |||||||||||||
4 | How Old Are You Today? | 30 | 2022 | $714,767 | $29,000 | 0 | $32,354 | $226 | $775,895 | $25,863 | 0.00% | $33,293 | $775,895 | 1 | 2022 | 0 | 3.33% | 7.99% | 2090 | $20,000 | When am I 100 yo? | |||||||||||||
5 | Retirement Year | 2030 | 2023 | $775,895 | $29,000 | 0 | $35,013 | $245 | $839,663 | $27,989 | 0.00% | $33,959 | $839,663 | 1 | 2023 | 0 | 3.33% | 7.99% | 2087 | $20,000 | 95 year old | |||||||||||||
6 | Number of Years Until Retirement | 10 | 2024 | $839,663 | $29,000 | 0 | $37,787 | $264 | $906,186 | $30,206 | 0.00% | $34,638 | $906,186 | 1 | 2024 | 0 | 3.33% | 7.99% | ||||||||||||||||
7 | Your Age When You Hit FI | 40 | 2025 | $906,186 | $29,000 | 0 | $40,681 | $284 | $975,582 | $32,519 | 0.00% | $35,331 | $975,582 | 1 | 2025 | 0 | 3.33% | 7.99% | ||||||||||||||||
8 | Nominal Market Return Rate | 6.00% | 2026 | $975,582 | $29,000 | 0 | $43,699 | $305 | $1,047,976 | $34,933 | 0.00% | $36,037 | $1,047,976 | 1 | 2026 | 0 | 3.33% | 7.99% | ||||||||||||||||
9 | Average Dividend Rate of Stocks and Mutual Funds | 1.80% | 2027 | $1,047,976 | $29,000 | 0 | $46,848 | $327 | $1,123,498 | $37,450 | 0.00% | $36,758 | $1,123,498 | 1 | 2027 | 0 | 3.33% | 7.99% | ||||||||||||||||
10 | Inflation Rate | 2.00% | 2028 | $1,123,498 | $29,000 | 0 | $50,134 | $350 | $1,202,281 | $40,076 | 0.00% | $37,493 | $1,202,281 | $1,170,235 | 1 | 2028 | 0 | 3.33% | 7.99% | $1,180,235 | ||||||||||||||
11 | Real Return Rate | 5.80% | 2029 | $1,202,281 | $29,000 | 0 | $53,561 | $374 | $1,284,467 | $42,816 | 0.00% | $38,243 | $1,284,467 | 1 | 2029 | 0 | 3.33% | 7.99% | ||||||||||||||||
12 | Average Fees | 0.030% | 2030 | $1,284,467 | $39,008 | $54,177 | $379 | $1,299,259 | $43,309 | 3.04% | $39,008 | $1,299,259 | 1 | 2030 | 1 | 3.33% | 7.99% | $1,339,259 | ||||||||||||||||
13 | Equity/Bond Ratio (enter equity %) | 75% | 2031 | $1,299,259 | $39,788 | $54,787 | $383 | $1,313,875 | $43,796 | 3.06% | $39,788 | $1,313,875 | 1 | 2031 | 1 | 3.33% | 7.99% | |||||||||||||||||
14 | Actual Return Used in Estimating Growth | 4.27% | 2032 | $1,313,875 | $40,584 | $55,388 | $387 | $1,328,292 | $44,276 | 3.09% | $40,584 | $1,328,292 | 1 | 2032 | 1 | 3.33% | 7.99% | |||||||||||||||||
15 | Current Annual Expenses | $32,000 | 2033 | $1,328,292 | $41,395 | $55,980 | $391 | $1,342,486 | $44,750 | 3.12% | $41,395 | $1,342,486 | 1 | 2033 | 1 | 3.33% | 7.99% | |||||||||||||||||
16 | Estimated Future Value of Expenses | $39,008 | 2034 | $1,342,486 | $42,223 | $56,561 | $395 | $1,356,429 | $45,214 | 3.15% | $42,223 | $1,356,429 | 1 | 2034 | 1 | 3.33% | 7.99% | |||||||||||||||||
17 | Current Portfolio Blance (not including home equity) | $600,000 | 2035 | $1,356,429 | $43,068 | $57,131 | $399 | $1,370,093 | $45,670 | 3.18% | $43,068 | $1,370,093 | 1 | 2035 | 1 | 3.33% | 7.99% | |||||||||||||||||
18 | Yearly Contributions to Tax Deferred Accounts | $19,000 | 2036 | $1,370,093 | $43,929 | $57,688 | $403 | $1,383,449 | $46,115 | 3.21% | $43,929 | $1,383,449 | 1 | 2036 | 1 | 3.33% | 7.99% | |||||||||||||||||
19 | Yearly Contributions to Taxable and Tax-Free Accounts | $10,000 | 2037 | $1,383,449 | $44,808 | $58,231 | $407 | $1,396,465 | $46,549 | 3.24% | $44,808 | $1,396,465 | 1 | 2037 | 1 | 3.33% | 7.99% | |||||||||||||||||
20 | Expense Rate Multiplier (default is 25) | 30 | 3.33% SWR | 2038 | $1,396,465 | $45,704 | $58,758 | $411 | $1,409,109 | $46,970 | 3.27% | $45,704 | $1,409,109 | 1 | 2038 | 1 | 3.33% | 7.99% | ||||||||||||||||
21 | FI Portfolio Target Estimate & Annual income | $1,170,235 | $39,008 | 2039 | $1,409,109 | $46,618 | $59,268 | $414 | $1,421,345 | $47,378 | 3.31% | $46,618 | $1,421,345 | 1 | 2039 | 1 | 3.33% | 7.99% | ||||||||||||||||
22 | Year Closest to FI Portfolio Target | 2028 | $1,202,281 | 2040 | $1,421,345 | $47,550 | $59,760 | $418 | $1,433,138 | $47,771 | 3.35% | $47,550 | $1,433,138 | 1 | 2040 | 1 | 3.33% | 7.99% | ||||||||||||||||
23 | Retirement Year & Portfolio Value | $1,299,259 | 2030 | 2041 | $1,433,138 | $48,501 | $60,232 | $421 | $1,444,447 | $48,148 | 3.38% | $48,501 | $1,444,447 | 1 | 2041 | 1 | 3.33% | 7.99% | ||||||||||||||||
24 | Annual FI SWR Based on Future Value of Expenses | 3.00% | 2042 | $1,444,447 | $49,471 | $60,681 | $424 | $1,455,233 | $48,508 | 3.42% | $49,471 | $1,455,233 | 1 | 2042 | 1 | 3.33% | 7.99% | |||||||||||||||||
25 | Lifetime SWR | 7.99% | 2043 | $1,455,233 | $50,461 | $61,108 | $427 | $1,465,453 | $48,848 | 3.47% | $50,461 | $1,465,453 | 1 | 2043 | 1 | 3.33% | 7.99% | |||||||||||||||||
26 | Estimated Income at 3.00% SWR | $39,008 | 2044 | $1,465,453 | $51,470 | $61,508 | $430 | $1,475,062 | $49,169 | 3.51% | $51,470 | $1,475,062 | 1 | 2044 | 1 | 3.33% | 7.99% | |||||||||||||||||
27 | Number of Years Until Portolio Hits ZERO | 57 | 2045 | $1,475,062 | $52,499 | $61,881 | $432 | $1,484,011 | $49,467 | 3.56% | $52,499 | $1,484,011 | 1 | 2045 | 1 | 3.33% | 7.99% | |||||||||||||||||
28 | Your Age and the Year Portolio Hits ZERO | 97 | 2087 | 2046 | $1,484,011 | $53,549 | $62,225 | $435 | $1,492,252 | $49,742 | 3.61% | $53,549 | $1,492,252 | 1 | 2046 | 1 | 3.33% | 7.99% | ||||||||||||||||
29 | Number of Years and the Year You're 100 Years Old | 70 | 2090 | 2047 | $1,492,252 | $54,620 | $62,537 | $437 | $1,499,732 | $49,991 | 3.66% | $54,620 | $1,499,732 | 1 | 2047 | 1 | 3.33% | 7.99% | ||||||||||||||||
30 | 2048 | $1,499,732 | $55,713 | $62,815 | $439 | $1,506,395 | $50,213 | 3.71% | $55,713 | $1,506,395 | 1 | 2048 | 1 | 3.33% | 7.99% | |||||||||||||||||||
31 | 2049 | $1,506,395 | $56,827 | $63,056 | $441 | $1,512,184 | $50,406 | 3.77% | $56,827 | $1,512,184 | 1 | 2049 | 1 | 3.33% | 7.99% | |||||||||||||||||||
32 | Finding Your Gap Number | Budgets | SWR | 25 x expenses | 2050 | $1,512,184 | $57,964 | $63,259 | $442 | $1,517,037 | $50,568 | 3.83% | $57,964 | $1,517,037 | 1 | 2050 | 1 | 3.33% | 7.99% | |||||||||||||||
33 | Current Expenses (calculated against portolio above) | $32,000 | 5.33% | 18.8 x expenses | 2051 | $1,517,037 | $59,123 | $63,419 | $443 | $1,520,890 | $50,696 | 3.90% | $59,123 | $1,520,890 | 1 | 2051 | 1 | 3.33% | 7.99% | |||||||||||||||
34 | Other Annual Income: Pension, Social Security, Rentals | $20,000 | 2052 | $1,520,890 | $60,305 | $63,535 | $444 | $1,523,677 | $50,789 | 3.97% | $60,305 | $1,523,677 | 1 | 2052 | 1 | 3.33% | 7.99% | |||||||||||||||||
35 | Gap Number to Cover with Market Investments | $12,000 | 2.00% | 50.0 x expenses | 2053 | $1,523,677 | $61,511 | $63,604 | $444 | $1,525,325 | $50,844 | 4.04% | $61,511 | $1,525,325 | 1 | 2053 | 1 | 3.33% | 7.99% | |||||||||||||||
36 | 2054 | $1,525,325 | $62,742 | $63,622 | $445 | $1,525,761 | $50,859 | 4.11% | $62,742 | $1,525,761 | 1 | 2054 | 1 | 3.33% | 7.99% | |||||||||||||||||||
37 | Am I Saving Enough? | Data | Results | 2055 | $1,525,761 | $63,996 | $63,587 | $444 | $1,524,907 | $50,830 | 4.19% | $63,996 | 1 | 2055 | 1 | 3.33% | 7.99% | |||||||||||||||||
38 | Gross Salary | $80,000 | 2056 | $1,524,907 | $65,276 | $63,494 | $444 | $1,522,681 | $50,756 | 4.28% | $65,276 | 1 | 2056 | 1 | 3.33% | 7.99% | ||||||||||||||||||
39 | 401k Contribution Rate | 15.00% | 2057 | $1,522,681 | $66,582 | $63,340 | $443 | $1,518,997 | $50,633 | 4.37% | $66,582 | 1 | 2057 | 1 | 3.33% | 7.99% | ||||||||||||||||||
40 | Actual Dollars Saved to 401k | $12,000 | 2058 | $1,518,997 | $67,914 | $63,122 | $441 | $1,513,765 | $50,459 | 4.47% | $67,914 | 1 | 2058 | 1 | 3.33% | 7.99% | ||||||||||||||||||
41 | 401k Contribution Limit in 2020 https://www.irs.gov/newsroom/401k-contribution-limit-increases-to-19500-for-2020-catch-up-limit-rises-to-6500 | $19,500 | $7,500 short | 2059 | $1,513,765 | $69,272 | $62,835 | $439 | $1,506,889 | $50,230 | 4.58% | $69,272 | 1 | 2059 | 1 | 3.33% | 7.99% | |||||||||||||||||
42 | 401k Catch-up Contribution Limit in 2020 if over 50 | $6,500 | $14,000 short | 2060 | $1,506,889 | $70,657 | $62,476 | $436 | $1,498,272 | $49,942 | 4.69% | $70,657 | 1 | 2060 | 1 | 3.33% | 7.99% | |||||||||||||||||
43 | 2061 | $1,498,272 | $72,070 | $62,040 | $433 | $1,487,807 | $49,594 | 4.81% | $72,070 | 1 | 2061 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
44 | 2062 | $1,487,807 | $73,512 | $61,522 | $430 | $1,475,388 | $49,180 | 4.94% | $73,512 | 1 | 2062 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
45 | 2063 | $1,475,388 | $74,982 | $60,918 | $426 | $1,460,898 | $48,697 | 5.08% | $74,982 | 1 | 2063 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
46 | 2064 | $1,460,898 | $76,482 | $60,222 | $421 | $1,444,217 | $48,141 | 5.24% | $76,482 | 1 | 2064 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
47 | 2065 | $1,444,217 | $78,011 | $59,430 | $415 | $1,425,221 | $47,507 | 5.40% | $78,011 | 1 | 2065 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
48 | 2066 | $1,425,221 | $79,572 | $58,536 | $409 | $1,403,776 | $46,793 | 5.58% | $79,572 | 1 | 2066 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
49 | 2067 | $1,403,776 | $81,163 | $57,534 | $402 | $1,379,745 | $45,991 | 5.78% | $81,163 | 1 | 2067 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
50 | 2068 | $1,379,745 | $82,786 | $56,418 | $394 | $1,352,982 | $45,099 | 6.00% | $82,786 | 1 | 2068 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
51 | 2069 | $1,352,982 | $84,442 | $55,181 | $386 | $1,323,336 | $44,111 | 6.24% | $84,442 | 1 | 2069 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
52 | 2070 | $1,323,336 | $86,131 | $53,818 | $376 | $1,290,647 | $43,022 | 6.51% | $86,131 | 1 | 2070 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
53 | 2071 | $1,290,647 | $87,853 | $52,322 | $366 | $1,254,750 | $41,825 | 6.81% | $87,853 | 1 | 2071 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
54 | 2072 | $1,254,750 | $89,611 | $50,684 | $354 | $1,215,469 | $40,516 | 7.14% | $89,611 | 1 | 2072 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
55 | 2073 | $1,215,469 | $91,403 | $48,897 | $342 | $1,172,622 | $39,087 | 7.52% | $91,403 | 1 | 2073 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
56 | 2074 | $1,172,622 | $93,231 | $46,953 | $328 | $1,126,016 | $37,534 | 7.95% | $93,231 | 1 | 2074 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
57 | 2075 | $1,126,016 | $95,095 | $44,845 | $313 | $1,075,453 | $35,848 | 8.45% | $95,095 | 1 | 2075 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
58 | 2076 | $1,075,453 | $96,997 | $42,563 | $297 | $1,020,721 | $34,024 | 9.02% | $96,997 | 1 | 2076 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
59 | 2077 | $1,020,721 | $98,937 | $40,098 | $280 | $961,601 | $32,053 | 9.69% | $98,937 | 1 | 2077 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
60 | 2078 | $961,601 | $100,916 | $37,440 | $262 | $897,863 | $29,929 | 10.49% | $100,916 | 1 | 2078 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
61 | 2079 | $897,863 | $102,934 | $34,579 | $242 | $829,267 | $27,642 | 11.46% | $102,934 | 1 | 2079 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
62 | 2080 | $829,267 | $104,993 | $31,506 | $220 | $755,560 | $25,185 | 12.66% | $104,993 | 1 | 2080 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
63 | 2081 | $755,560 | $107,093 | $28,208 | $197 | $676,478 | $22,549 | 14.17% | $107,093 | 1 | 2081 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
64 | 2082 | $676,478 | $109,235 | $24,675 | $172 | $591,746 | $19,725 | 16.15% | $109,235 | 1 | 2082 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
65 | 2083 | $591,746 | $111,419 | $20,894 | $146 | $501,075 | $16,702 | 18.83% | $111,419 | 1 | 2083 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
66 | 2084 | $501,075 | $113,648 | $16,853 | $118 | $404,162 | $13,472 | 22.68% | $113,648 | 1 | 2084 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
67 | 2085 | $404,162 | $115,921 | $12,539 | $88 | $300,692 | $10,023 | 28.68% | $115,921 | 1 | 2085 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
68 | 2086 | $300,692 | $118,239 | $7,937 | $55 | $190,335 | $6,344 | 39.32% | $118,239 | 1 | 2086 | 1 | 3.33% | 7.99% | ||||||||||||||||||||
69 | 2087 | $190,335 | $120,604 | $3,033 | $21 | $72,743 | $2,425 | 63.36% | $120,604 | 1 | 2087 | 1 | 3.33% | 7.99% | $20,000 | |||||||||||||||||||
70 | 2088 | 0 | $123,016 | -$5,351 | -$37 | 0 | 0 | 0.00% | $123,016 | 0 | 2088 | 0 | 3.33% | 7.99% | ||||||||||||||||||||
71 | 2089 | 0 | $125,476 | -$5,458 | -$38 | 0 | 0 | 0.00% | $125,476 | 0 | 2089 | 0 | 3.33% | 7.99% | ||||||||||||||||||||
72 | 2090 | 0 | $127,986 | -$5,567 | -$39 | 0 | 0 | 0.00% | $127,986 | 0 | 2090 | 0 | 3.33% | 7.99% | $20,000 | |||||||||||||||||||
73 | 2091 | 0 | $130,546 | -$5,679 | -$40 | 0 | 0 | 0.00% | $130,546 | 0 | 2091 | 0 | 3.33% | 7.99% | ||||||||||||||||||||
74 | 2092 | 0 | $133,156 | -$5,792 | -$40 | 0 | 0 | 0.00% | $133,156 | 0 | 2092 | 0 | 3.33% | 7.99% | ||||||||||||||||||||
75 | 2093 | 0 | $135,820 | -$5,908 | -$41 | 0 | 0 | 0.00% | $135,820 | 0 | 2093 | 0 | 3.33% | 7.99% | ||||||||||||||||||||
76 | 2094 | 0 | $138,536 | -$6,026 | -$42 | 0 | 0 | 0.00% | $138,536 | 0 | 2094 | 0 | 3.33% | 7.99% | ||||||||||||||||||||
77 | 2095 | 0 | $141,307 | -$6,147 | -$43 | 0 | 0 | 0.00% | $141,307 | 0 | 2095 | 0 | 3.33% | 7.99% | ||||||||||||||||||||
78 | 2096 | 0 | $144,133 | -$6,270 | -$44 | 0 | 0 | 0.00% | $144,133 | 0 | 2096 | 0 | 3.33% | 7.99% | ||||||||||||||||||||
79 | 2097 | 0 | $147,016 | -$6,395 | -$45 | 0 | 0 | 0.00% | $147,016 | 0 | 2097 | 0 | 3.33% | 7.99% | ||||||||||||||||||||
80 | 2098 | 0 | $149,956 | -$6,523 | -$46 | 0 | 0 | 0.00% | $149,956 | 0 | 2098 | 0 | 3.33% | 7.99% | ||||||||||||||||||||
81 | 2099 | 0 | $152,955 | -$6,654 | -$46 | 0 | 0 | 0.00% | $152,955 | 0 | 2099 | 0 | 3.33% | 7.99% | ||||||||||||||||||||
82 | 2100 | 0 | $156,014 | -$6,787 | -$47 | 0 | 0 | 0.00% | $156,014 | 0 | 2100 | 0 | 3.33% | 7.99% | ||||||||||||||||||||
83 | 2101 | 0 | $159,134 | -$6,922 | -$48 | 0 | 0 | 0.00% | $159,134 | 0 | 2101 | 0 | 3.33% | 7.99% | ||||||||||||||||||||
84 | 2102 | 0 | $162,317 | -$7,061 | -$49 | 0 | 0 | 0.00% | $162,317 | 0 | 2102 | 0 | 3.33% | 7.99% | ||||||||||||||||||||
85 | 2103 | 0 | $165,563 | -$7,202 | -$50 | 0 | 0 | 0.00% | $165,563 | 0 | 2103 | 0 | 3.33% | 7.99% | ||||||||||||||||||||
86 | 2104 | 0 | $168,875 | -$7,346 | -$51 | 0 | 0 | 0.00% | $168,875 | 0 | 2104 | 0 | 3.33% | 7.99% | ||||||||||||||||||||
87 | 2105 | 0 | $172,252 | -$7,493 | -$52 | 0 | 0 | 0.00% | $172,252 | 0 | 2105 | 0 | 3.33% | 7.99% | ||||||||||||||||||||
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