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- $ ./retirement-calculator --verbose
- Initial savings:
- Let's assume $0
- Annual return rate while working:
- Average annual return on the S&P 500 from 1928 to 2017 is .114
- Average 1990-2017 is .111
- Average 2000-2017 is .068
- Source: https://seekingalpha.com/instablog/605212-robert-allan-schwartz/4831186-annual-returns-s-and-p-500-1928-2015
- https://www.google.com/search?q=s%26p+2016+return&oq=s%26p+2016+return
- https://dqydj.com/2017-sp-500-return/
- Let's assume .07
- Annual return rate while retired:
- Average annual return on (3mo T-Bills, 10y T-Bonds) from 1928 to 2017 is (.0344, .0515)
- Average 1990-2017 is (.0279, .0637)
- Average 2000-2017 is (.0166, .0556)
- Bloomberg Barclays US Aggregate Bond TR USD average annual return 2003-2017: .0388
- Source: http://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/histretSP.html
- http://performance.morningstar.com/Performance/index-c/performance-return.action?t=XIUSA000MC
- Let's assume .05
- Inflation:
- Average annual inflation from 1914 to 2017 in the USA is .0318
- Average 1990-2017 is .025
- Source: https://inflationdata.com/Inflation/Inflation/DecadeInflation.asp
- Let's assume .03
- Working years:
- Let's assume 35
- Years in retirement:
- Let's assume 30
- Working annual savings:
- Let's assume $6000
- Retired annual withdraw:
- Let's assume $24000
- Year: 2019, Savings: $ 5820, Return: $ 0
- Year: 2020, Savings: $ 11861, Return: $ 407
- Year: 2021, Savings: $ 18130, Return: $ 830
- Year: 2022, Savings: $ 24637, Return: $ 1269
- Year: 2023, Savings: $ 31391, Return: $ 1725
- Year: 2024, Savings: $ 38401, Return: $ 2197
- Year: 2025, Savings: $ 45676, Return: $ 2688
- Year: 2026, Savings: $ 53227, Return: $ 3197
- Year: 2027, Savings: $ 61065, Return: $ 3726
- Year: 2028, Savings: $ 69199, Return: $ 4275
- Year: 2029, Savings: $ 77641, Return: $ 4844
- Year: 2030, Savings: $ 86404, Return: $ 5435
- Year: 2031, Savings: $ 95499, Return: $ 6048
- Year: 2032, Savings: $ 104938, Return: $ 6685
- Year: 2033, Savings: $ 114735, Return: $ 7346
- Year: 2034, Savings: $ 124904, Return: $ 8031
- Year: 2035, Savings: $ 135458, Return: $ 8743
- Year: 2036, Savings: $ 146412, Return: $ 9482
- Year: 2037, Savings: $ 157781, Return: $ 10249
- Year: 2038, Savings: $ 169580, Return: $ 11045
- Year: 2039, Savings: $ 181828, Return: $ 11871
- Year: 2040, Savings: $ 194539, Return: $ 12728
- Year: 2041, Savings: $ 207732, Return: $ 13618
- Year: 2042, Savings: $ 221425, Return: $ 14541
- Year: 2043, Savings: $ 235637, Return: $ 15500
- Year: 2044, Savings: $ 250388, Return: $ 16495
- Year: 2045, Savings: $ 265697, Return: $ 17527
- Year: 2046, Savings: $ 281587, Return: $ 18599
- Year: 2047, Savings: $ 298079, Return: $ 19711
- Year: 2048, Savings: $ 315196, Return: $ 20866
- Year: 2049, Savings: $ 332962, Return: $ 22064
- Year: 2050, Savings: $ 351402, Return: $ 23307
- Year: 2051, Savings: $ 370540, Return: $ 24598
- Year: 2052, Savings: $ 390403, Return: $ 25938
- Year: 2053, Savings: $ 411020, Return: $ 27328
- Retirement start:
- Year: 2054, Savings: $ 394179, Return: $ 19351
- Year: 2055, Savings: $ 377028, Return: $ 18509
- Year: 2056, Savings: $ 359559, Return: $ 17651
- Year: 2057, Savings: $ 341767, Return: $ 16778
- Year: 2058, Savings: $ 323645, Return: $ 15888
- Year: 2059, Savings: $ 305189, Return: $ 14982
- Year: 2060, Savings: $ 286391, Return: $ 14059
- Year: 2061, Savings: $ 267245, Return: $ 13120
- Year: 2062, Savings: $ 247745, Return: $ 12162
- Year: 2063, Savings: $ 227884, Return: $ 11187
- Year: 2064, Savings: $ 207656, Return: $ 10194
- Year: 2065, Savings: $ 187054, Return: $ 9183
- Year: 2066, Savings: $ 166070, Return: $ 8153
- Year: 2067, Savings: $ 144699, Return: $ 7104
- Year: 2068, Savings: $ 122931, Return: $ 6035
- Year: 2069, Savings: $ 100762, Return: $ 4947
- Year: 2070, Savings: $ 78182, Return: $ 3838
- Year: 2071, Savings: $ 55184, Return: $ 2709
- Year: 2072, Savings: $ 31761, Return: $ 1559
- Year: 2073, Savings: $ 7905, Return: $ 388
- Year: 2074, Savings: $ -16393, Return: $ -805
- Year: 2075, Savings: $ -41140, Return: $ -2020
- Year: 2076, Savings: $ -66346, Return: $ -3257
- Year: 2077, Savings: $ -92017, Return: $ -4517
- Year: 2078, Savings: $ -118163, Return: $ -5801
- Year: 2079, Savings: $ -144793, Return: $ -7108
- Year: 2080, Savings: $ -171916, Return: $ -8440
- Year: 2081, Savings: $ -199540, Return: $ -9796
- Year: 2082, Savings: $ -227676, Return: $ -11177
- Year: 2083, Savings: $ -256332, Return: $ -12584
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