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AOC Simpli-FI-ed Calculator
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YearStarting BalanceDepositsWithdrawalGrowthFeesTotal Portfolio Balance3.33%% SWR IncomeYearly SWRBudgetVlookup for FIRE#Hit FI #
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YearsCount3.33% Target LT SWRActual Ave. LT SWRRetirement YearClosest To Fire #100 Years OldZero Portolio @ 95 yoEvents
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Remember, DO NOT edit GRAY formula cells.
2020$600,000$29,0000$27,362$191$656,170$21,8720.00%$32,000$656,1701202003.33%7.99%2030$40,000
Target Retirement Yr
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What Year is it Today?20202021$656,170$29,0000$29,805$208$714,767$23,8260.00%$32,640$714,7671202103.33%7.99%2028$1,180,235Hit Fire #
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How Old Are You Today?302022$714,767$29,0000$32,354$226$775,895$25,8630.00%$33,293$775,8951202203.33%7.99%2090$20,000
When am I 100 yo?
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Retirement Year20302023$775,895$29,0000$35,013$245$839,663$27,9890.00%$33,959$839,6631202303.33%7.99%2087$20,00095 year old
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Number of Years Until Retirement102024$839,663$29,0000$37,787$264$906,186$30,2060.00%$34,638$906,1861202403.33%7.99%
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Your Age When You Hit FI402025$906,186$29,0000$40,681$284$975,582$32,5190.00%$35,331$975,5821202503.33%7.99%
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Nominal Market Return Rate6.00%2026$975,582$29,0000$43,699$305$1,047,976$34,9330.00%$36,037$1,047,9761202603.33%7.99%
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Average Dividend Rate of Stocks and Mutual Funds1.80%2027$1,047,976$29,0000$46,848$327$1,123,498$37,4500.00%$36,758$1,123,4981202703.33%7.99%
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Inflation Rate2.00%2028$1,123,498$29,0000$50,134$350$1,202,281$40,0760.00%$37,493$1,202,281$1,170,2351202803.33%7.99%$1,180,235
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Real Return Rate5.80%2029$1,202,281$29,0000$53,561$374$1,284,467$42,8160.00%$38,243$1,284,4671202903.33%7.99%
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Average Fees0.030%2030$1,284,467$39,008$54,177$379$1,299,259$43,3093.04%$39,008$1,299,2591203013.33%7.99%$1,339,259
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Equity/Bond Ratio (enter equity %)75%2031$1,299,259$39,788$54,787$383$1,313,875$43,7963.06%$39,788$1,313,8751203113.33%7.99%
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Actual Return Used in Estimating Growth4.27%2032$1,313,875$40,584$55,388$387$1,328,292$44,2763.09%$40,584$1,328,2921203213.33%7.99%
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Current Annual Expenses$32,0002033$1,328,292$41,395$55,980$391$1,342,486$44,7503.12%$41,395$1,342,4861203313.33%7.99%
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Estimated Future Value of Expenses$39,0082034$1,342,486$42,223$56,561$395$1,356,429$45,2143.15%$42,223$1,356,4291203413.33%7.99%
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Current Portfolio Blance (not including home equity)$600,0002035$1,356,429$43,068$57,131$399$1,370,093$45,6703.18%$43,068$1,370,0931203513.33%7.99%
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Yearly Contributions to Tax Deferred Accounts$19,0002036$1,370,093$43,929$57,688$403$1,383,449$46,1153.21%$43,929$1,383,4491203613.33%7.99%
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Yearly Contributions to Taxable and Tax-Free Accounts$10,0002037$1,383,449$44,808$58,231$407$1,396,465$46,5493.24%$44,808$1,396,4651203713.33%7.99%
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Expense Rate Multiplier (default is 25)303.33% SWR2038$1,396,465$45,704$58,758$411$1,409,109$46,9703.27%$45,704$1,409,1091203813.33%7.99%
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FI Portfolio Target Estimate & Annual income$1,170,235$39,0082039$1,409,109$46,618$59,268$414$1,421,345$47,3783.31%$46,618$1,421,3451203913.33%7.99%
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Year Closest to FI Portfolio Target2028$1,202,2812040$1,421,345$47,550$59,760$418$1,433,138$47,7713.35%$47,550$1,433,1381204013.33%7.99%
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Retirement Year & Portfolio Value$1,299,25920302041$1,433,138$48,501$60,232$421$1,444,447$48,1483.38%$48,501$1,444,4471204113.33%7.99%
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Annual FI SWR Based on Future Value of Expenses3.00%2042$1,444,447$49,471$60,681$424$1,455,233$48,5083.42%$49,471$1,455,2331204213.33%7.99%
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Lifetime SWR7.99%2043$1,455,233$50,461$61,108$427$1,465,453$48,8483.47%$50,461$1,465,4531204313.33%7.99%
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Estimated Income at 3.00% SWR$39,0082044$1,465,453$51,470$61,508$430$1,475,062$49,1693.51%$51,470$1,475,0621204413.33%7.99%
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Number of Years Until Portolio Hits ZERO572045$1,475,062$52,499$61,881$432$1,484,011$49,4673.56%$52,499$1,484,0111204513.33%7.99%
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Your Age and the Year Portolio Hits ZERO9720872046$1,484,011$53,549$62,225$435$1,492,252$49,7423.61%$53,549$1,492,2521204613.33%7.99%
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Number of Years and the Year You're 100 Years Old7020902047$1,492,252$54,620$62,537$437$1,499,732$49,9913.66%$54,620$1,499,7321204713.33%7.99%
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2048$1,499,732$55,713$62,815$439$1,506,395$50,2133.71%$55,713$1,506,3951204813.33%7.99%
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2049$1,506,395$56,827$63,056$441$1,512,184$50,4063.77%$56,827$1,512,1841204913.33%7.99%
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Finding Your Gap NumberBudgetsSWR25 x expenses2050$1,512,184$57,964$63,259$442$1,517,037$50,5683.83%$57,964$1,517,0371205013.33%7.99%
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Current Expenses (calculated against portolio above)$32,0005.33%18.8 x expenses2051$1,517,037$59,123$63,419$443$1,520,890$50,6963.90%$59,123$1,520,8901205113.33%7.99%
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Other Annual Income: Pension, Social Security, Rentals$20,0002052$1,520,890$60,305$63,535$444$1,523,677$50,7893.97%$60,305$1,523,6771205213.33%7.99%
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Gap Number to Cover with Market Investments$12,0002.00%50.0 x expenses2053$1,523,677$61,511$63,604$444$1,525,325$50,8444.04%$61,511$1,525,3251205313.33%7.99%
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2054$1,525,325$62,742$63,622$445$1,525,761$50,8594.11%$62,742$1,525,7611205413.33%7.99%
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Am I Saving Enough?DataResults2055$1,525,761$63,996$63,587$444$1,524,907$50,8304.19%$63,9961205513.33%7.99%
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Gross Salary$80,0002056$1,524,907$65,276$63,494$444$1,522,681$50,7564.28%$65,2761205613.33%7.99%
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401k Contribution Rate15.00%2057$1,522,681$66,582$63,340$443$1,518,997$50,6334.37%$66,5821205713.33%7.99%
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Actual Dollars Saved to 401k$12,0002058$1,518,997$67,914$63,122$441$1,513,765$50,4594.47%$67,9141205813.33%7.99%
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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 short2059$1,513,765$69,272$62,835$439$1,506,889$50,2304.58%$69,2721205913.33%7.99%
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401k Catch-up Contribution Limit in 2020 if over 50$6,500$14,000 short2060$1,506,889$70,657$62,476$436$1,498,272$49,9424.69%$70,6571206013.33%7.99%
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2061$1,498,272$72,070$62,040$433$1,487,807$49,5944.81%$72,0701206113.33%7.99%
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2062$1,487,807$73,512$61,522$430$1,475,388$49,1804.94%$73,5121206213.33%7.99%
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2063$1,475,388$74,982$60,918$426$1,460,898$48,6975.08%$74,9821206313.33%7.99%
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2064$1,460,898$76,482$60,222$421$1,444,217$48,1415.24%$76,4821206413.33%7.99%
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2065$1,444,217$78,011$59,430$415$1,425,221$47,5075.40%$78,0111206513.33%7.99%
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2066$1,425,221$79,572$58,536$409$1,403,776$46,7935.58%$79,5721206613.33%7.99%
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2067$1,403,776$81,163$57,534$402$1,379,745$45,9915.78%$81,1631206713.33%7.99%
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2068$1,379,745$82,786$56,418$394$1,352,982$45,0996.00%$82,7861206813.33%7.99%
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2069$1,352,982$84,442$55,181$386$1,323,336$44,1116.24%$84,4421206913.33%7.99%
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2070$1,323,336$86,131$53,818$376$1,290,647$43,0226.51%$86,1311207013.33%7.99%
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2071$1,290,647$87,853$52,322$366$1,254,750$41,8256.81%$87,8531207113.33%7.99%
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2072$1,254,750$89,611$50,684$354$1,215,469$40,5167.14%$89,6111207213.33%7.99%
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2073$1,215,469$91,403$48,897$342$1,172,622$39,0877.52%$91,4031207313.33%7.99%
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2074$1,172,622$93,231$46,953$328$1,126,016$37,5347.95%$93,2311207413.33%7.99%
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2075$1,126,016$95,095$44,845$313$1,075,453$35,8488.45%$95,0951207513.33%7.99%
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2076$1,075,453$96,997$42,563$297$1,020,721$34,0249.02%$96,9971207613.33%7.99%
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2077$1,020,721$98,937$40,098$280$961,601$32,0539.69%$98,9371207713.33%7.99%
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2078$961,601$100,916$37,440$262$897,863$29,92910.49%$100,9161207813.33%7.99%
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2079$897,863$102,934$34,579$242$829,267$27,64211.46%$102,9341207913.33%7.99%
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2080$829,267$104,993$31,506$220$755,560$25,18512.66%$104,9931208013.33%7.99%
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2081$755,560$107,093$28,208$197$676,478$22,54914.17%$107,0931208113.33%7.99%
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2082$676,478$109,235$24,675$172$591,746$19,72516.15%$109,2351208213.33%7.99%
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2083$591,746$111,419$20,894$146$501,075$16,70218.83%$111,4191208313.33%7.99%
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2084$501,075$113,648$16,853$118$404,162$13,47222.68%$113,6481208413.33%7.99%
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2085$404,162$115,921$12,539$88$300,692$10,02328.68%$115,9211208513.33%7.99%
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2086$300,692$118,239$7,937$55$190,335$6,34439.32%$118,2391208613.33%7.99%
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2087$190,335$120,604$3,033$21$72,743$2,42563.36%$120,6041208713.33%7.99%$20,000
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20880$123,016-$5,351-$37000.00%$123,0160208803.33%7.99%
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20890$125,476-$5,458-$38000.00%$125,4760208903.33%7.99%
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20900$127,986-$5,567-$39000.00%$127,9860209003.33%7.99%$20,000
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20910$130,546-$5,679-$40000.00%$130,5460209103.33%7.99%
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20920$133,156-$5,792-$40000.00%$133,1560209203.33%7.99%
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20930$135,820-$5,908-$41000.00%$135,8200209303.33%7.99%
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20940$138,536-$6,026-$42000.00%$138,5360209403.33%7.99%
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20950$141,307-$6,147-$43000.00%$141,3070209503.33%7.99%
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20960$144,133-$6,270-$44000.00%$144,1330209603.33%7.99%
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20970$147,016-$6,395-$45000.00%$147,0160209703.33%7.99%
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20980$149,956-$6,523-$46000.00%$149,9560209803.33%7.99%
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20990$152,955-$6,654-$46000.00%$152,9550209903.33%7.99%
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21000$156,014-$6,787-$47000.00%$156,0140210003.33%7.99%
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21010$159,134-$6,922-$48000.00%$159,1340210103.33%7.99%
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21020$162,317-$7,061-$49000.00%$162,3170210203.33%7.99%
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21030$165,563-$7,202-$50000.00%$165,5630210303.33%7.99%
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21040$168,875-$7,346-$51000.00%$168,8750210403.33%7.99%
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21050$172,252-$7,493-$52000.00%$172,2520210503.33%7.99%
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