Time to FI?: | | | |
Extra income after RE (pension, SS, etc.) | $56486 | /year =D36+N("Rental taxable income") | |
Guess at time to FI | 4. | years | |
Safe Withdrawal Rate | 4.00% | percent | |
Real return on tax-deferred investments | 5.00% | percent | |
Real, after tax, return on taxable investments | 4.25% | percent | |
|
Current Savings | | | |
Taxable stocks & bonds | $105,000 | | |
Tax-deferred (e.g. trad. IRA/401k) | $415,000 | | |
Roth + HSA | $55,000 | | |
Projected Savings at Retirement | | | |
Taxable | $617,950 | | |
Tax-deferred (e.g. trad. IRA/401k) | $634,773 | | |
Roth + HSA | $97,455 | | |
Total projected stash | $1,350,178 | | |
| | | |
Projected Expenses in Retirement | | | |
Non-loan, non-work expenses | $57,031 | | |
Change in spending after RE | $19,283 | D76+D56-D35-(806*12)+N("806 is rental portion of my primary residence which is duplex, covered in rental portion") | |
Annual non-tax retirement expense | $76,314 | | |
Income taxes | $8,663 | | |
Total | $84,977 | | |
Total loan principal due at FI | $561,601 | | |
| | | |
Stash needed for retirement @4.0% SWR | $1,273,880 | | |
| Have $76,298 extra. | | |