(All inputs may be real or hypothetical and can be adjusted at any time).
Note: your information is not sent to the server and is only kept locally within your browser.
Many input fields contain embedded guidance — simply place your cursor over an input cell to view additional context and explanations.
| My age today is |
Enter your age today, in years
|
| Current year |
Enter the current year
|
| I am currently working/retired |
Choose one of the two options
|
| If working, I plan to retire by age |
Enter the age, in years, at which you plan to retire
|
| My cash-on-hand balance today is |
Include cash on-hand as well as checking $
and short-term savings accounts. |
| My total investment assets value today is |
Examples may include retirement accounts, stocks, $
bonds, mutual funds or brokerage accounts. Approximate values are perfect. |
| My total other assets value (include house) today is |
This could include your approximate house value, $
recreational property, vehicles owned, estimated business values and any other significant assets values you might own. |
| My liabilities/amounts owing within one year |
Includes any amounts of debts due within one year; $
examples could include auto loans, bank loans, taxes owing, other payable amounts. |
| My liabilities/amounts owing more than one year from now (include mortgage) |
This could include any long-term loans you might have, $
such as mortgages, bank loans, auto loans, or other long-term debt obligations. |
| Monthly take-home pay from employment and/or business (if working) |
Enter approximate monthly after-tax income $
from employment or active business interests. |
| Assumed annual cost-of-living adjustment (adjust as desired) |
Represents the estimated %
annual increase in your income from employment, if any – over the past 20 years in the United States this has average 2.8%. |
| Monthly after-tax income from all other sources (if working) |
This could include income from pensions, $
government benefits, rentals or other sources of recurring non-employment income but do not include investment income here. |
| My monthly expenses total |
Includes all your monthly household expenses, $
including mortgage payments, auto loan or lease payments, credit card payments, etc. |
| Monthly after-tax retirement income (estimate if you are still working) |
Include your expected income from $
part-time employment, pensions, government benefits or other recurring retirement income but do not include investment income here. |
| The expected annual after-tax average rate of return I would expect to earn on my investment assets is |
Use whatever you consider %
to be a reasonable and achievable after-tax rate of return on your investment assets. As a general reference point, over long periods, the S&P500 has returned average annual returns in the range of 8-10%, before taxes. |
| Average annual inflation rate I would expect through my retirement |
Enter the average inflation rate that %
you expect during your retirement – over the past 20 years in the United States this was average of 2.5%. |