Sheet1

Yellow Cells are protected however no password was used so you can change them
Inflation Rate
4.00%
Gain Rate
9.89%
Retirement Chart
$3,500,000
Tax Rate
25.00%
Living Expenses
$60,000
$3,000,000
Initial Assets
$1,193,000
Final Assets
$0
$2,500,000
Start Year
1997
Age In Start Year
50
$2,000,000
SS Start Age
67
SS Monthly
1500
$1,500,000
Initial Exp/Assets 0.050293378
Final Exp.Assets
0.811791009
$1,000,000
$500,000

Year Actual Inflaton

1997
1998
1.60%
1999
2.20%
2000
3.40%
2001
2.80%
2002
1.60%
2003
2.30%
2004
2.70%
2005
3.40%
2006
3.24%
2007
4.00%
2008
4.00%
2009
4.00%
2010
4.00%
2011
4.00%
2012
4.00%
2013
4.00%
2014
4.00%
2015
4.00%
2016
4.00%
2017
4.00%
2018
4.00%
2019
4.00%
2020
4.00%
2021
4.00%
2022
4.00%
2023
4.00%
2024
4.00%
2025
4.00%
2026
4.00%
2027
4.00%

98

94

90

86

Age

82

78

74

70

66

62

58

54

50

$0

Age Living Ex. Social S. W/ Taxes Assets

After Exp.
50
60000
0
75000 1193000
1118000
51
60960
0
76200 1228558
1152358
52
62301
0
77876 1266315
1188438
53
64419
0
80524 1305962
1225438
54
66223
0
82779 1346621
1263842
55
67283
0
84103 1388823
1304720
56
68830
0
86038 1433743
1347705
57
70689
0
88361 1480979
1392618
58
73092
0
91365 1530333
1438968
59
75460
0
94325 1581267
1486942
60
78479
0
98098 1633985
1535887
61
81618
0
102022 1687770
1585748
62
84882
0
106103 1742561
1636458
63
88278
0
110347 1798287
1687940
64
91809
0
114761 1854859
1740098
65
95481
0
119351 1912175
1792824
66
99300
0
124126 1970115
1845990
67 103272
1500
127216 2028539
1901323
68 107403
1560
132304 2089344
1957040
69 111699
1622
137596 2150571
2012974
70 116167
1687
143100 2212036
2068936
71 120814
1755
148824 2273532
2124708
72 125647
1825
154777 2334819
2180042
73 130673
1898
160968 2395625
2234657
74 135900
1974
167407 2455641
2288234
75 141335
2053
174103 2514516
2340413
76 146989
2135
181067 2571855
2390788
77 152868
2220
188310 2627212
2438902
78 158983
2309
195843 2680083
2484241
79 165343
2402
203676 2729906
2526230
80 171956
2498
211823 2776048
2564224

Page 1

Sheet1

2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040
2041
2042
2043
2044
2045
2046
2047
2048

4.00%
4.00%
4.00%
4.00%
4.00%
4.00%
4.00%
4.00%
4.00%
4.00%
4.00%
4.00%
4.00%
4.00%
4.00%
4.00%
4.00%
4.00%
4.00%
4.00%
4.00%

81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101

178834
185988
193427
201164
209211
217580
226283
235334
244747
254537
264719
275307
286320
297773
309683
322071
334954
348352
362286
376777
391848

Page 2

2598
2701
2809
2922
3039
3160
3287
3418
3555
3697
3845
3999
4159
4325
4498
4678
4865
5060
5262
5473
5691

220296
229108
238272
247803
257715
268024
278745
289895
301491
313550
326092
339136
352701
366809
381482
396741
412611
429115
446280
464131
482696

2817799
2854369
2884871
2908320
2923614
2929528
2924698
2907610
2876580
2829739
2765013
2680105
2572466
2439276
2277412
2083417
1853471
1583346
1268372
903389
482696

2597503
2625261
2646599
2660517
2665898
2661504
2645953
2617715
2575089
2516189
2438921
2340969
2219765
2072467
1895930
1686676
1440860
1154231
822093
439258
0

Sheet1

This spreadsheet calculates the assets you need in the

first year to carry you for up to 50 years. You specify the
average inflation rate and average earnings rate on your
assets along with your expected tax rate and expected
living expenses.
I have checked this against various other calculators and
worksheets and prefer this method. It takes more into
account and better yet, you can see what is happening
and play "What If".
Instructions:
Living Ex.
Assets

Cells A6, A7, A10, and A11 have notes associated with
them describing their purpose.
Fill in your estimate for the values in cells B2>B6 and
B8>B11.

New Assets
1228558
1266315
1305962
1346621
1388823
1433743
1480979
1530333
1581267
1633985
1687770
1742561
1798287
1854859
1912175
1970115
2028539
2089344
2150571
2212036
2273532
2334819
2395625
2455641
2514516
2571855
2627212
2680083
2729906
2776048
2817799

Then select Tools, Solver (or Goal Seek depending on the

version of Excel you are using). Specify that cell B7
should be set to "0" by adjusting cell B6. The Initial Assets
will be adjusted to make the Final Assets equal 0.
Or, you can seek the value of Gain rate that gives you the
final value.
If you want to carry the calculation for less years, set the
appropriate cell number in cell B7. For example, if you
want to run out of assets in 30 years, put H52 in cell B7.

Page 3

Sheet1

2854369
2884871
2908320
2923614
2929528
2924698
2907610
2876580
2829739
2765013
2680105
2572466
2439276
2277412
2083417
1853471
1583346
1268372
903389
482696
0

Page 4