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Sample Output Retirement Calculator

a guest Mar 9th, 2018 74 Never
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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. Capital gain tax:
  49.   Single Income: $0–$38,600       Capital gain tax: .0
  50.   Single Income: $38,601–$425,800 Capital gain tax: .15
  51.   Single Income: Over $425,800    Capital gain tax: .20
  52.  
  53.   Source: https://en.wikipedia.org/wiki/Capital_gains_tax_in_the_United_States
  54.  
  55.   Let's assume .0
  56.  
  57. Year: 2019, Savings: $     5820, Return before tax: $       0, Capital gain tax: $      0, Return after tax: $       0
  58. Year: 2020, Savings: $    11861, Return before tax: $     407, Capital gain tax: $      0, Return after tax: $     407
  59. Year: 2021, Savings: $    18130, Return before tax: $     830, Capital gain tax: $      0, Return after tax: $     830
  60. Year: 2022, Savings: $    24637, Return before tax: $    1269, Capital gain tax: $      0, Return after tax: $    1269
  61. Year: 2023, Savings: $    31391, Return before tax: $    1725, Capital gain tax: $      0, Return after tax: $    1725
  62. Year: 2024, Savings: $    38401, Return before tax: $    2197, Capital gain tax: $      0, Return after tax: $    2197
  63. Year: 2025, Savings: $    45676, Return before tax: $    2688, Capital gain tax: $      0, Return after tax: $    2688
  64. Year: 2026, Savings: $    53227, Return before tax: $    3197, Capital gain tax: $      0, Return after tax: $    3197
  65. Year: 2027, Savings: $    61065, Return before tax: $    3726, Capital gain tax: $      0, Return after tax: $    3726
  66. Year: 2028, Savings: $    69199, Return before tax: $    4275, Capital gain tax: $      0, Return after tax: $    4275
  67. Year: 2029, Savings: $    77641, Return before tax: $    4844, Capital gain tax: $      0, Return after tax: $    4844
  68. Year: 2030, Savings: $    86404, Return before tax: $    5435, Capital gain tax: $      0, Return after tax: $    5435
  69. Year: 2031, Savings: $    95499, Return before tax: $    6048, Capital gain tax: $      0, Return after tax: $    6048
  70. Year: 2032, Savings: $   104938, Return before tax: $    6685, Capital gain tax: $      0, Return after tax: $    6685
  71. Year: 2033, Savings: $   114735, Return before tax: $    7346, Capital gain tax: $      0, Return after tax: $    7346
  72. Year: 2034, Savings: $   124904, Return before tax: $    8031, Capital gain tax: $      0, Return after tax: $    8031
  73. Year: 2035, Savings: $   135458, Return before tax: $    8743, Capital gain tax: $      0, Return after tax: $    8743
  74. Year: 2036, Savings: $   146412, Return before tax: $    9482, Capital gain tax: $      0, Return after tax: $    9482
  75. Year: 2037, Savings: $   157781, Return before tax: $   10249, Capital gain tax: $      0, Return after tax: $   10249
  76. Year: 2038, Savings: $   169580, Return before tax: $   11045, Capital gain tax: $      0, Return after tax: $   11045
  77. Year: 2039, Savings: $   181828, Return before tax: $   11871, Capital gain tax: $      0, Return after tax: $   11871
  78. Year: 2040, Savings: $   194539, Return before tax: $   12728, Capital gain tax: $      0, Return after tax: $   12728
  79. Year: 2041, Savings: $   207732, Return before tax: $   13618, Capital gain tax: $      0, Return after tax: $   13618
  80. Year: 2042, Savings: $   221425, Return before tax: $   14541, Capital gain tax: $      0, Return after tax: $   14541
  81. Year: 2043, Savings: $   235637, Return before tax: $   15500, Capital gain tax: $      0, Return after tax: $   15500
  82. Year: 2044, Savings: $   250388, Return before tax: $   16495, Capital gain tax: $      0, Return after tax: $   16495
  83. Year: 2045, Savings: $   265697, Return before tax: $   17527, Capital gain tax: $      0, Return after tax: $   17527
  84. Year: 2046, Savings: $   281587, Return before tax: $   18599, Capital gain tax: $      0, Return after tax: $   18599
  85. Year: 2047, Savings: $   298079, Return before tax: $   19711, Capital gain tax: $      0, Return after tax: $   19711
  86. Year: 2048, Savings: $   315196, Return before tax: $   20866, Capital gain tax: $      0, Return after tax: $   20866
  87. Year: 2049, Savings: $   332962, Return before tax: $   22064, Capital gain tax: $      0, Return after tax: $   22064
  88. Year: 2050, Savings: $   351402, Return before tax: $   23307, Capital gain tax: $      0, Return after tax: $   23307
  89. Year: 2051, Savings: $   370540, Return before tax: $   24598, Capital gain tax: $      0, Return after tax: $   24598
  90. Year: 2052, Savings: $   390403, Return before tax: $   25938, Capital gain tax: $      0, Return after tax: $   25938
  91. Year: 2053, Savings: $   411020, Return before tax: $   27328, Capital gain tax: $      0, Return after tax: $   27328
  92. Retirement start:
  93. Year: 2054, Savings: $   394179, Return before tax: $   19351, Capital gain tax: $      0, Return after tax: $   19351
  94. Year: 2055, Savings: $   377028, Return before tax: $   18509, Capital gain tax: $      0, Return after tax: $   18509
  95. Year: 2056, Savings: $   359559, Return before tax: $   17651, Capital gain tax: $      0, Return after tax: $   17651
  96. Year: 2057, Savings: $   341767, Return before tax: $   16778, Capital gain tax: $      0, Return after tax: $   16778
  97. Year: 2058, Savings: $   323645, Return before tax: $   15888, Capital gain tax: $      0, Return after tax: $   15888
  98. Year: 2059, Savings: $   305189, Return before tax: $   14982, Capital gain tax: $      0, Return after tax: $   14982
  99. Year: 2060, Savings: $   286391, Return before tax: $   14059, Capital gain tax: $      0, Return after tax: $   14059
  100. Year: 2061, Savings: $   267245, Return before tax: $   13120, Capital gain tax: $      0, Return after tax: $   13120
  101. Year: 2062, Savings: $   247745, Return before tax: $   12162, Capital gain tax: $      0, Return after tax: $   12162
  102. Year: 2063, Savings: $   227884, Return before tax: $   11187, Capital gain tax: $      0, Return after tax: $   11187
  103. Year: 2064, Savings: $   207656, Return before tax: $   10194, Capital gain tax: $      0, Return after tax: $   10194
  104. Year: 2065, Savings: $   187054, Return before tax: $    9183, Capital gain tax: $      0, Return after tax: $    9183
  105. Year: 2066, Savings: $   166070, Return before tax: $    8153, Capital gain tax: $      0, Return after tax: $    8153
  106. Year: 2067, Savings: $   144699, Return before tax: $    7104, Capital gain tax: $      0, Return after tax: $    7104
  107. Year: 2068, Savings: $   122931, Return before tax: $    6035, Capital gain tax: $      0, Return after tax: $    6035
  108. Year: 2069, Savings: $   100762, Return before tax: $    4947, Capital gain tax: $      0, Return after tax: $    4947
  109. Year: 2070, Savings: $    78182, Return before tax: $    3838, Capital gain tax: $      0, Return after tax: $    3838
  110. Year: 2071, Savings: $    55184, Return before tax: $    2709, Capital gain tax: $      0, Return after tax: $    2709
  111. Year: 2072, Savings: $    31761, Return before tax: $    1559, Capital gain tax: $      0, Return after tax: $    1559
  112. Year: 2073, Savings: $     7905, Return before tax: $     388, Capital gain tax: $      0, Return after tax: $     388
  113. Year: 2074, Savings: $   -16393, Return before tax: $    -805, Capital gain tax: $     -0, Return after tax: $    -805
  114. Year: 2075, Savings: $   -41140, Return before tax: $   -2020, Capital gain tax: $     -0, Return after tax: $   -2020
  115. Year: 2076, Savings: $   -66346, Return before tax: $   -3257, Capital gain tax: $     -0, Return after tax: $   -3257
  116. Year: 2077, Savings: $   -92017, Return before tax: $   -4517, Capital gain tax: $     -0, Return after tax: $   -4517
  117. Year: 2078, Savings: $  -118163, Return before tax: $   -5801, Capital gain tax: $     -0, Return after tax: $   -5801
  118. Year: 2079, Savings: $  -144793, Return before tax: $   -7108, Capital gain tax: $     -0, Return after tax: $   -7108
  119. Year: 2080, Savings: $  -171916, Return before tax: $   -8440, Capital gain tax: $     -0, Return after tax: $   -8440
  120. Year: 2081, Savings: $  -199540, Return before tax: $   -9796, Capital gain tax: $     -0, Return after tax: $   -9796
  121. Year: 2082, Savings: $  -227676, Return before tax: $  -11177, Capital gain tax: $     -0, Return after tax: $  -11177
  122. Year: 2083, Savings: $  -256332, Return before tax: $  -12584, Capital gain tax: $     -0, Return after tax: $  -12584
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