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Sample Output - Retirement Calculator

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Mar 16th, 2018
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  1. $ ./retirement-calculator --verbose
  2. Initial savings:
  3. Let's assume $0
  4.  
  5. Annual return rate while working:
  6. Average annual return on the S&P 500 from 1928 to 2017 is .114
  7. Average 1990-2017 is .111
  8. Average 2000-2017 is .068
  9.  
  10. Source: https://seekingalpha.com/instablog/605212-robert-allan-schwartz/4831186-annual-returns-s-and-p-500-1928-2015
  11. https://www.google.com/search?q=s%26p+2016+return&oq=s%26p+2016+return
  12. https://dqydj.com/2017-sp-500-return/
  13.  
  14. Let's assume .07
  15.  
  16. Annual return rate while retired:
  17. Average annual return on (3mo T-Bills, 10y T-Bonds) from 1928 to 2017 is (.0344, .0515)
  18. Average 1990-2017 is (.0279, .0637)
  19. Average 2000-2017 is (.0166, .0556)
  20.  
  21. Bloomberg Barclays US Aggregate Bond TR USD average annual return 2003-2017: .0388
  22.  
  23. Source: http://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/histretSP.html
  24. http://performance.morningstar.com/Performance/index-c/performance-return.action?t=XIUSA000MC
  25.  
  26. Let's assume .05
  27.  
  28. Inflation:
  29. Average annual inflation from 1914 to 2017 in the USA is .0318
  30. Average 1990-2017 is .025
  31.  
  32. Source: https://inflationdata.com/Inflation/Inflation/DecadeInflation.asp
  33.  
  34. Let's assume .03
  35.  
  36. Working years:
  37. Let's assume 35
  38.  
  39. Years in retirement:
  40. Let's assume 30
  41.  
  42. Working annual savings:
  43. Let's assume $6000
  44.  
  45. Retired annual withdraw:
  46. Let's assume $24000
  47.  
  48. Year: 2019, Savings: $ 5820, Return: $ 0
  49. Year: 2020, Savings: $ 11861, Return: $ 407
  50. Year: 2021, Savings: $ 18130, Return: $ 830
  51. Year: 2022, Savings: $ 24637, Return: $ 1269
  52. Year: 2023, Savings: $ 31391, Return: $ 1725
  53. Year: 2024, Savings: $ 38401, Return: $ 2197
  54. Year: 2025, Savings: $ 45676, Return: $ 2688
  55. Year: 2026, Savings: $ 53227, Return: $ 3197
  56. Year: 2027, Savings: $ 61065, Return: $ 3726
  57. Year: 2028, Savings: $ 69199, Return: $ 4275
  58. Year: 2029, Savings: $ 77641, Return: $ 4844
  59. Year: 2030, Savings: $ 86404, Return: $ 5435
  60. Year: 2031, Savings: $ 95499, Return: $ 6048
  61. Year: 2032, Savings: $ 104938, Return: $ 6685
  62. Year: 2033, Savings: $ 114735, Return: $ 7346
  63. Year: 2034, Savings: $ 124904, Return: $ 8031
  64. Year: 2035, Savings: $ 135458, Return: $ 8743
  65. Year: 2036, Savings: $ 146412, Return: $ 9482
  66. Year: 2037, Savings: $ 157781, Return: $ 10249
  67. Year: 2038, Savings: $ 169580, Return: $ 11045
  68. Year: 2039, Savings: $ 181828, Return: $ 11871
  69. Year: 2040, Savings: $ 194539, Return: $ 12728
  70. Year: 2041, Savings: $ 207732, Return: $ 13618
  71. Year: 2042, Savings: $ 221425, Return: $ 14541
  72. Year: 2043, Savings: $ 235637, Return: $ 15500
  73. Year: 2044, Savings: $ 250388, Return: $ 16495
  74. Year: 2045, Savings: $ 265697, Return: $ 17527
  75. Year: 2046, Savings: $ 281587, Return: $ 18599
  76. Year: 2047, Savings: $ 298079, Return: $ 19711
  77. Year: 2048, Savings: $ 315196, Return: $ 20866
  78. Year: 2049, Savings: $ 332962, Return: $ 22064
  79. Year: 2050, Savings: $ 351402, Return: $ 23307
  80. Year: 2051, Savings: $ 370540, Return: $ 24598
  81. Year: 2052, Savings: $ 390403, Return: $ 25938
  82. Year: 2053, Savings: $ 411020, Return: $ 27328
  83. Retirement start:
  84. Year: 2054, Savings: $ 394179, Return: $ 19351
  85. Year: 2055, Savings: $ 377028, Return: $ 18509
  86. Year: 2056, Savings: $ 359559, Return: $ 17651
  87. Year: 2057, Savings: $ 341767, Return: $ 16778
  88. Year: 2058, Savings: $ 323645, Return: $ 15888
  89. Year: 2059, Savings: $ 305189, Return: $ 14982
  90. Year: 2060, Savings: $ 286391, Return: $ 14059
  91. Year: 2061, Savings: $ 267245, Return: $ 13120
  92. Year: 2062, Savings: $ 247745, Return: $ 12162
  93. Year: 2063, Savings: $ 227884, Return: $ 11187
  94. Year: 2064, Savings: $ 207656, Return: $ 10194
  95. Year: 2065, Savings: $ 187054, Return: $ 9183
  96. Year: 2066, Savings: $ 166070, Return: $ 8153
  97. Year: 2067, Savings: $ 144699, Return: $ 7104
  98. Year: 2068, Savings: $ 122931, Return: $ 6035
  99. Year: 2069, Savings: $ 100762, Return: $ 4947
  100. Year: 2070, Savings: $ 78182, Return: $ 3838
  101. Year: 2071, Savings: $ 55184, Return: $ 2709
  102. Year: 2072, Savings: $ 31761, Return: $ 1559
  103. Year: 2073, Savings: $ 7905, Return: $ 388
  104. Year: 2074, Savings: $ -16393, Return: $ -805
  105. Year: 2075, Savings: $ -41140, Return: $ -2020
  106. Year: 2076, Savings: $ -66346, Return: $ -3257
  107. Year: 2077, Savings: $ -92017, Return: $ -4517
  108. Year: 2078, Savings: $ -118163, Return: $ -5801
  109. Year: 2079, Savings: $ -144793, Return: $ -7108
  110. Year: 2080, Savings: $ -171916, Return: $ -8440
  111. Year: 2081, Savings: $ -199540, Return: $ -9796
  112. Year: 2082, Savings: $ -227676, Return: $ -11177
  113. Year: 2083, Savings: $ -256332, Return: $ -12584
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