Retirement Calculation
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Retirement Calculation Inputs
Outputs
Saving Age Monthly Savings Yearly Savings Yearly Rate of Return Inflation Rate 2) Savings Rise 3) Effective Rate of Return 1)
25 200 2400 4.00% 0 5.00% 4.00%
($) ($) % % % %
Retirement Year Retirement Age Disabled Age Monthly Income
36 60 80 1049.51
Year
Age
Annual Savings
Total savings
Year
Age
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18
25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42
2520 2646 2778.3 2917.22 3063.08 3216.23 3377.04 3545.89 3723.19 3909.35 4104.81 4310.06 4525.56 4751.84 4989.43 5238.9 5500.84 5775.89
2.62E+03 5.48E+03 8.59E+03 1.20E+04 1.56E+04 1.96E+04 2.39E+04 2.85E+04 3.36E+04 3.90E+04 4.48E+04 5.11E+04 5.78E+04 6.51E+04 7.29E+04 8.12E+04 9.02E+04 9.98E+04
19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36
43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
Notes:
1) Initially monthly savings 2) Annual increase in saving rates 3) Annual rate of return - Inflation rate
Insurance Calculations for $150,000 Cover
($)
Annual Savings
Total savings
6064.68 6367.91 6686.31 7020.63 7371.66 7740.24 8127.25 8533.61 8960.3 9408.31 9878.73 10372.66 10891.29 11435.86 12007.65 12608.04 13238.44 13900.36
1.23E+04 1.94E+04 2.72E+04 3.55E+04 4.46E+04 5.45E+04 6.51E+04 7.66E+04 8.90E+04 1.02E+05 1.17E+05 1.32E+05 1.49E+05 1.67E+05 1.86E+05 2.06E+05 2.28E+05 2.52E+05
Total
Premium(i-young) 100 100 100 100 100 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 19281
i-term 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 21464
Year 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39
Age 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64
0.08
$150,000 Cover Date 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046
25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55
2500 2700 2916 3149 3401 3673 3967 4285 4627 4998 5397 5829 6295 6799 7343 7930 8565 9250 9990 10789 11652 12585 13591 14679 15853 17121 18491 19970 21568 23293 25157
Outputs
Saving Age Monthly Savings Yearly Savings Yearly Rate of Return Inflation Rate 2) Savings Rise 3) Effective Rate of Return 1)
25 200 2400 4.00% 0 5.00% 4.00%
($) ($) % % % %
Retirement Year Retirement Age Disabled Age Monthly Income
36 60 80 1049.51
Year
Age
Annual Savings
Total savings
Year
Age
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18
25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42
2520 2646 2778.3 2917.22 3063.08 3216.23 3377.04 3545.89 3723.19 3909.35 4104.81 4310.06 4525.56 4751.84 4989.43 5238.9 5500.84 5775.89
2.62E+03 5.48E+03 8.59E+03 1.20E+04 1.56E+04 1.96E+04 2.39E+04 2.85E+04 3.36E+04 3.90E+04 4.48E+04 5.11E+04 5.78E+04 6.51E+04 7.29E+04 8.12E+04 9.02E+04 9.98E+04
19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36
43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
Notes:
1) Initially monthly savings 2) Annual increase in saving rates 3) Annual rate of return - Inflation rate
Insurance Calculations for $150,000 Cover
($)
Annual Savings
Total savings
6064.68 6367.91 6686.31 7020.63 7371.66 7740.24 8127.25 8533.61 8960.3 9408.31 9878.73 10372.66 10891.29 11435.86 12007.65 12608.04 13238.44 13900.36
1.23E+04 1.94E+04 2.72E+04 3.55E+04 4.46E+04 5.45E+04 6.51E+04 7.66E+04 8.90E+04 1.02E+05 1.17E+05 1.32E+05 1.49E+05 1.67E+05 1.86E+05 2.06E+05 2.28E+05 2.52E+05
Total
Premium(i-young) 100 100 100 100 100 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 19281
i-term 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 536.6 21464
Year 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39
Age 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64
0.08
$150,000 Cover Date 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046
25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55
2500 2700 2916 3149 3401 3673 3967 4285 4627 4998 5397 5829 6295 6799 7343 7930 8565 9250 9990 10789 11652 12585 13591 14679 15853 17121 18491 19970 21568 23293 25157
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