Back of the Napkin Retirement Calculator (Time to FI)

There are many amazing retirement simulators like Empower's and CFIREsim out there.
THIS IS NOT ONE OF THEM.
But that is the point. Plug in a few things and you're done.
This spreadsheet will give you a general idea of your "Time to FI" and potential retirement dates. That's it!

If you have any questions or run into any issues, please contact me, and I'll get it fixed.

How To Use:
Google Docs: "File" --> "Make a copy" Microsoft Excel: "File" --> "Download" --> "Microsoft Excel (

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etirement dates. That's it!

ed.

ad" --> "Microsoft Excel (.xlsx)"

 Pre-Tax 401(k)
Taxable Contribution Company
End Of Year % To FI Income Deductions s Match
0 -
2024 34.73% $150,000 $29,200 $23,000 $7,500
2025 37.39% $156,000 $30,368 $23,920 $7,800
2026 40.15% $162,240 $31,583 $24,877 $8,112
2027 43.02% $168,730 $32,846 $25,872 $8,436
2028 45.99% $175,479 $34,160 $26,907 $8,774
2029 49.07% $182,498 $35,526 $27,983 $9,125
2030 52.28% $189,798 $36,947 $29,102 $9,490
2031 55.60% $197,390 $38,425 $30,266 $9,869
2032 59.05% $205,285 $39,962 $31,477 $10,264
2033 62.64% $213,497 $41,561 $32,736 $10,675
2034 66.36% $222,037 $43,223 $34,046 $11,102
2035 70.23% $230,918 $44,952 $35,407 $11,546
2036 74.24% $240,155 $46,750 $36,824 $12,008
2037 78.41% $249,761 $48,620 $38,297 $12,488
2038 82.75% $259,751 $50,565 $39,829 $12,988
2039 87.25% $270,142 $52,588 $41,422 $13,507
2040 91.92% $280,947 $54,691 $43,079 $14,047
2041 96.78% $292,185 $56,879 $44,802 $14,609
2042 101.83% $303,872 $59,154 $46,594 $15,194
2043 107.07% $316,027 $61,520 $48,458 $15,801
2044 112.51% $328,668 $63,981 $50,396 $16,433
2045 118.16% $341,815 $66,540 $52,412 $17,091
2046 124.02% $355,488 $69,202 $54,508 $17,774
2047 130.11% $369,707 $71,970 $56,688 $18,485

Years to FI:
18

Assumptions
Taxable Income increases with inflation rate
Expenses increase with inflation rate
Deductions & contributions Increase with inflation
Additional Investments uses any leftover income over expenses
Cash is returning at least 50% of inflation (via Money Market or High-Yield S
 Take Home Additional
Pay Investments Expenses Taxes Total Expense
-
$97,800 $11,178 $75,000 $11,622 $86,622
$101,712 $11,229 $78,000 $12,483 $90,483
$105,780 $11,283 $81,120 $13,378 $94,498
$110,012 $11,338 $84,365 $14,309 $98,673
$114,412 $11,396 $87,739 $15,277 $103,016
$118,989 $11,456 $91,249 $16,284 $107,532
$123,748 $11,519 $94,899 $17,331 $112,230
$128,698 $11,584 $98,695 $18,420 $117,114
$133,846 $11,651 $102,643 $19,552 $122,195
$139,200 $11,722 $106,748 $20,730 $127,478
$144,768 $11,795 $111,018 $21,955 $132,973
$150,559 $11,871 $115,459 $23,229 $138,688
$156,581 $11,950 $120,077 $24,554 $144,631
$162,844 $12,032 $124,881 $25,932 $150,812
$169,358 $12,117 $129,876 $27,365 $157,240
$176,132 $12,206 $135,071 $28,855 $163,926
$183,178 $12,299 $140,474 $30,405 $170,879
$190,505 $12,395 $146,093 $32,017 $178,110
$198,125 $12,495 $151,936 $33,693 $185,630
$206,050 $12,499 $158,014 $35,537 $193,551
$214,292 $12,443 $164,334 $37,515 $201,849
$222,864 $12,384 $170,908 $39,572 $210,480
$231,778 $12,322 $177,744 $41,712 $219,456
$241,049 $12,259 $184,854 $43,937 $228,790

Starting Income Current Portfolio Value Inflation Rate of Return

$150,000 $300,000 4.00% 8.00%
401(k) Company
Match % Current Expenses Current Cash Retirement Withdraw Rate
5% $75,000 $30,000 4.00%
Real Estate
Pre-Tax ContributioTax Deductions Equity Real Estate Return
come over expenses $23,000 $29,200 $250,000 2.00%
via Money Market or High-Yield Savings AccounMarried
 Active Total Real Estate Change In
Investments ROI Total Cash Investment Networth
$300,000 - $30,000 $250,000.00 -
$365,678 $24,000 $30,600 $255,000.00 $71,278
$437,882 $29,254 $31,212 $260,100.00 $77,916
$517,184 $35,031 $31,836 $265,302.00 $85,128
$604,205 $41,375 $32,473 $270,608.04 $92,964
$699,618 $48,336 $33,122 $276,020.20 $101,475
$804,152 $55,969 $33,785 $281,540.60 $110,716
$918,595 $64,332 $34,461 $287,171.42 $120,750
$1,043,802 $73,488 $35,150 $292,914.85 $131,640
$1,180,699 $83,504 $35,853 $298,773.14 $143,458
$1,330,287 $94,456 $36,570 $304,748.60 $156,281
$1,493,652 $106,423 $37,301 $310,843.58 $170,191
$1,671,968 $119,492 $38,047 $317,060.45 $185,279
$1,866,507 $133,757 $38,808 $323,401.66 $201,641
$2,078,644 $149,321 $39,584 $329,869.69 $219,381
$2,309,870 $166,292 $40,376 $336,467.08 $238,614
$2,561,794 $184,790 $41,184 $343,196.43 $259,462
$2,836,163 $204,944 $42,007 $350,060.35 $282,056
$3,134,862 $226,893 $42,847 $357,061.56 $306,540
$3,459,933 $250,789 $43,704 $364,202.79 $333,070
$3,813,486 $276,795 $44,578 $371,486.85 $361,711
$4,197,837 $305,079 $45,470 $378,916.59 $392,672
$4,615,550 $335,827 $46,379 $386,494.92 $426,201
$5,069,399 $369,244 $47,307 $394,224.82 $462,506
$5,562,383 $405,552 $48,253 $402,109.31 $501,815

Withdraw Rate
 FI Target (Based
on Withdrawl
Net Worth Rate)
$580,000 -
$651,278 $1,875,000
$729,194 $1,950,000
$814,322 $2,028,000
$907,286 $2,109,120
$1,008,761 $2,193,485
$1,119,477 $2,281,224
$1,240,227 $2,372,473
$1,371,867 $2,467,372
$1,515,325 $2,566,067
$1,671,606 $2,668,710
$1,841,797 $2,775,458
$2,027,076 $2,886,476
$2,228,717 $3,001,935
$2,448,099 $3,122,013
$2,686,713 $3,246,893
$2,946,174 $3,376,769
$3,228,230 $3,511,840
$3,534,771 $3,652,313
$3,867,840 $3,798,406
$4,229,551 $3,950,342
$4,622,223 $4,108,356
$5,048,424 $4,272,690
$5,510,931 $4,443,598
$6,012,746 $4,621,342
Tax Rate Single Min Single Max Single Tax Married Min Married MaxMarried TaxHead of HouHead of Ho
10% $0 $11,600 $1,160 $0 $23,200 $2,320 $0 $16,550
12% $11,600 $47,150 $4,266 $23,200 $94,300 $8,532 $16,550 $63,100
22% $47,150 $100,525 $11,743 $94,300 $201,050 $23,485 $63,100 $100,500
24% $100,525 $191,950 $21,942 $201,050 $383,900 $43,884 $100,500 $191,950
32% $191,950 $243,725 $16,568 $383,900 $487,450 $33,136 $191,950 $243,700
35% $243,725 $609,350 ### $487,450 $731,200 $85,313 $243,700 $609,350
37% $609,350 $731,200 $609,350

Taxable I Single TaMarried T HoH Tax

$97,800 $16,569 $11,622 $14,875
$101,712 $17,453 $12,483 $15,760
$105,780 $18,430 $13,378 $16,736
$110,012 $19,445 $14,309 $17,752
$114,412 $20,501 $15,277 $18,808
$118,989 $21,600 $16,284 $19,906
$123,748 $22,742 $17,331 $21,049
$128,698 $23,930 $18,420 $22,237
$133,846 $25,166 $19,552 $23,472
$139,200 $26,450 $20,730 $24,757
$144,768 $27,787 $21,955 $26,093
$150,559 $29,177 $23,229 $27,483
$156,581 $30,622 $24,554 $28,928
$162,844 $32,125 $25,932 $30,432
$169,358 $33,688 $27,365 $31,995
$176,132 $35,314 $28,855 $33,621
$183,178 $37,005 $30,405 $35,312
$190,505 $38,764 $32,017 $37,070
$198,125 $41,086 $33,693 $39,393
$206,050 $43,622 $35,537 $41,929
$214,292 $46,260 $37,515 $44,566
$222,864 $49,003 $39,572 $47,309
$231,778 $51,855 $41,712 $50,162
$241,049 $54,822 $43,937 $53,129
Head of Household Tax
$1,655
$5,586
$8,228
$21,948
$16,560
$127,977