tldr: Should be OK, but double check your numbers. I like your spreadsheet BTW.
I used my own formulas to recalculate your final stash values by 2027 and 2030, just to see if the numbers match. They were close, but not exact (difference of ~$2K on the 4% rule).
2027
Stash: $1,050,584.56
4%: $42,023.38
2030
Stash: $1,475,201.67
4%: $59,008.07
Formula: =FV(6%/12, DATEDIF(NOW(),"1/1/2027","M"), -66500/12, -$A$8)
I also ran this through cFIRESIM with the following changes from default:
- Retirement year: 2027, lasting through 2067 (roughly 85)
- Starting Portfolio: $145,198.58
- Portfolio make up: all default, 75/25, fee drags and everything default
- Social Security: $20K/yr, starting in 2054
- Pension: $22K/yr, starting in 2032
- Savings: $66500/yr, starting in 2017, ending in 2027
I investigated the max initial withdraws for 95% success and it come out to $60K/yr.
The listed final stash at retirement came out to $1.2M