Forecast Sample Forecast (Typical)

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FI in 2043

Safe Withdrawal: $36,000 / year · Net Worth: $910,093

New Use return rate: 7.0% | Simulate starting from year · 1930 · 1940 · 1950 · 1960 · 1970
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Highlights Details
Year Income Expenses Surplus Mortgage Debt Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2021 -5.8% $60,000 (take home pay) $49,200 $10,800 $12,000 $0 800 · interest 1200 · payments 10,800 · surplus $37,682 18,000 · payroll -2,318 · interest $5,652 -348 · interest $23,551 -1,449 · interest $66,885 23,885
2022 19.5% $60,000 (take home pay) $48,000 $12,000 $12,000 $0 $66,564 18,000 · payroll 10,882 · interest $12,757 6,000 · surplus 1,105 · interest $34,154 6,000 · surplus 4,603 · interest $113,474 46,590
Year Income Expenses Surplus Mortgage Debt Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2023 -14.4% $60,000 (take home pay) $48,000 $12,000 $12,000 $0 $72,405 18,000 · payroll -12,159 · interest $16,923 6,000 · surplus -1,834 · interest $35,243 6,000 · surplus -4,911 · interest $124,570 11,096
2024 15.4% $60,000 (take home pay) $48,000 $12,000 $12,000 $0 $104,352 18,000 · payroll 13,947 · interest $25,533 6,000 · surplus 2,611 · interest $46,680 6,000 · surplus 5,437 · interest $176,565 51,995
2025 9.7% $60,000 (take home pay) $48,000 $12,000 $12,000 $0 $134,195 18,000 · payroll 11,843 · interest $34,005 6,000 · surplus 2,472 · interest $57,198 6,000 · surplus 4,518 · interest $225,398 48,833
2026 5.9% $60,000 (take home pay) $48,000 $12,000 $12,000 $0 $161,149 18,000 · payroll 8,954 · interest $42,006 6,000 · surplus 2,001 · interest $66,564 6,000 · surplus 3,365 · interest $269,718 44,320
2027 -15.6% $60,000 (take home pay) $48,000 $12,000 $12,000 $0 $151,164 18,000 · payroll -27,986 · interest $41,444 6,000 · surplus -6,562 · interest $62,165 6,000 · surplus -10,398 · interest $254,773 -14,945
2028 16.6% $60,000 (take home pay) $48,000 $12,000 $12,000 $0 $197,232 18,000 · payroll 28,068 · interest $54,320 6,000 · surplus 6,876 · interest $78,480 6,000 · surplus 10,315 · interest $330,032 75,259
2029 4.5% $60,000 (take home pay) $48,000 $12,000 $12,000 $0 $224,969 18,000 · payroll 9,738 · interest $62,778 6,000 · surplus 2,458 · interest $88,031 6,000 · surplus 3,551 · interest $375,778 45,746
Year Income Expenses Surplus Mortgage Debt Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2030 -13.9% $60,000 (take home pay) $48,000 $12,000 $12,000 $0 $209,095 18,000 · payroll -33,874 · interest $60,025 6,000 · surplus -8,752 · interest $81,758 6,000 · surplus -12,273 · interest $350,878 -24,899
2031 -2.8% $60,000 (take home pay) $36,000 $24,000 $0 $0 $220,701 18,000 · payroll -6,394 · interest $64,335 6,000 · surplus -1,690 · interest $97,456 18,000 · surplus -2,302 · interest $382,492 31,614
2032 7.6% $60,000 (take home pay) $36,000 $24,000 $0 $0 $256,754 18,000 · payroll 18,053 · interest $75,201 6,000 · surplus 4,866 · interest $122,826 18,000 · surplus 7,371 · interest $454,782 72,290
2033 12.3% $60,000 (take home pay) $36,000 $24,000 $0 $0 $308,445 18,000 · payroll 33,691 · interest $90,422 6,000 · surplus 9,221 · interest $155,888 18,000 · surplus 15,061 · interest $554,755 99,973
2034 -19.8% $60,000 (take home pay) $36,000 $24,000 $0 $0 $261,885 18,000 · payroll -64,560 · interest $78,540 6,000 · surplus -17,883 · interest $143,058 18,000 · surplus -30,829 · interest $483,483 -71,272
2035 -31.8% $60,000 (take home pay) $36,000 $24,000 $0 $0 $190,974 18,000 · payroll -88,911 · interest $59,590 6,000 · surplus -24,950 · interest $115,613 18,000 · surplus -45,445 · interest $366,177 -117,306
2036 27.7% $60,000 (take home pay) $36,000 $24,000 $0 $0 $266,898 18,000 · payroll 57,924 · interest $82,108 6,000 · surplus 16,517 · interest $165,659 18,000 · surplus 32,046 · interest $514,665 148,488
Year Income Expenses Surplus Mortgage Debt Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2037 15.7% $60,000 (take home pay) $36,000 $24,000 $0 $0 $329,569 18,000 · payroll 44,671 · interest $100,982 6,000 · surplus 12,874 · interest $209,634 18,000 · surplus 25,975 · interest $640,185 125,520
2038 -14.1% $60,000 (take home pay) $36,000 $24,000 $0 $0 $298,640 18,000 · payroll -48,930 · interest $92,766 6,000 · surplus -14,216 · interest $198,122 18,000 · surplus -29,512 · interest $589,528 -50,657
2039 -1.9% $60,000 (take home pay) $36,000 $24,000 $0 $0 $310,676 18,000 · payroll -5,964 · interest $97,019 6,000 · surplus -1,747 · interest $212,391 18,000 · surplus -3,732 · interest $620,085 30,557
2040 9.0% $60,000 (take home pay) $36,000 $24,000 $0 $0 $358,384 18,000 · payroll 29,708 · interest $111,788 6,000 · surplus 8,769 · interest $249,588 18,000 · surplus 19,198 · interest $719,760 99,675
2041 22.1% $60,000 (take home pay) $36,000 $24,000 $0 $0 $459,591 18,000 · payroll 83,206 · interest $142,501 6,000 · surplus 24,713 · interest $322,764 18,000 · surplus 55,176 · interest $924,855 205,095
2042 -12.4% $60,000 (take home pay) $36,000 $24,000 $0 $0 $418,564 18,000 · payroll -59,026 · interest $130,889 6,000 · surplus -17,612 · interest $300,873 18,000 · surplus -39,891 · interest $850,326 -74,530
2043 11.4% $36,000 (fire take home) $36,000 $0 $0 $0 $466,354 47,789 · interest $145,833 14,944 · interest $297,906 34,352 · interest 36,000 · take home 1,319 · taxes $910,093 59,767
Year Income Expenses Surplus Mortgage Debt Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2044 13.9% $36,000 (fire take home) $36,000 $0 $0 $0 $530,964 64,610 · interest $166,037 20,204 · interest $301,860 41,273 · interest 36,000 · take home 1,319 · taxes $998,861 88,769
2045 -1.6% $36,000 (fire take home) $36,000 $0 $0 $0 $522,716 -8,248 · interest $163,458 -2,579 · interest $259,853 -4,689 · interest 36,000 · take home 1,319 · taxes $946,026 -52,835
2046 22.7% $36,000 (fire take home) $36,000 $0 $0 $0 $641,114 118,398 · interest $200,482 37,024 · interest $281,392 58,858 · interest 36,000 · take home 1,319 · taxes $1,122,987 176,961
2047 11.3% $36,000 (fire take home) $36,000 $0 $0 $0 $713,441 72,328 · interest $223,099 22,617 · interest $275,818 31,745 · interest 36,000 · take home 1,319 · taxes $1,212,359 89,372
2048 -0.9% $36,000 (fire take home) $36,000 $0 $0 $0 $706,722 -6,719 · interest $220,998 -2,101 · interest $235,902 -2,598 · interest 36,000 · take home 1,319 · taxes $1,163,623 -48,736
2049 9.1% $36,000 (fire take home) $36,000 $0 $0 $0 $771,220 64,497 · interest $241,167 20,169 · interest $220,112 21,529 · interest 36,000 · take home 1,319 · taxes $1,232,498 68,876
2050 23.5% $36,000 (fire take home) $36,000 $0 $0 $0 $952,793 181,574 · interest $297,947 56,780 · interest $234,616 51,822 · interest 36,000 · take home 1,319 · taxes $1,485,355 252,857
Year Income Expenses Surplus Mortgage Debt Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2051 -9.3% $36,000 (fire take home) $36,000 $0 $0 $0 $864,359 -88,434 · interest $270,293 -27,654 · interest $175,521 -21,776 · interest 36,000 · take home 1,319 · taxes $1,310,172 -175,183
2052 22.6% $36,000 (fire take home) $36,000 $0 $0 $0 $1,059,973 195,614 · interest $331,463 61,170 · interest $177,924 39,722 · interest 36,000 · take home 1,319 · taxes $1,569,360 259,187
2053 1.4% $36,000 (fire take home) $36,000 $0 $0 $0 $1,074,998 15,025 · interest $336,161 4,698 · interest $143,127 2,522 · interest 36,000 · take home 1,319 · taxes $1,554,286 -15,074
2054 3.9% $36,000 (fire take home) $36,000 $0 $0 $0 $1,117,371 42,374 · interest $349,412 13,251 · interest $111,450 5,642 · interest 36,000 · take home 1,319 · taxes $1,578,233 23,947
2055 -4.4% $36,000 (fire take home) $36,000 $0 $0 $0 $1,068,120 -49,251 · interest $334,010 -15,401 · interest $69,219 -4,912 · interest 36,000 · take home 1,319 · taxes $1,471,350 -106,884
2056 30.2% $36,000 (fire take home) $36,000 $0 $0 $0 $1,390,734 322,614 · interest $434,895 100,884 · interest $52,807 20,907 · interest 36,000 · take home 1,319 · taxes $1,878,435 407,086
2057 16.8% $36,000 (fire take home) $36,000 $0 $0 $0 $1,623,783 233,049 · interest $507,771 72,877 · interest $24,337 8,849 · interest 36,000 · take home 1,319 · taxes $2,155,891 277,456
Year Income Expenses Surplus Mortgage Debt Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2058 27.2% $36,000 (fire take home) $36,000 $0 $0 $0 $2,065,358 441,574 · interest $639,717 138,084 · interest 6,138 · take home $0 6,618 · interest 29,862 · take home 1,094 · taxes $2,705,074 549,183
2059 23.0% $36,000 (fire take home) $36,000 $0 $0 $0 $2,539,989 474,631 · interest $750,727 147,011 · interest 36,000 · take home $0 $3,290,716 585,642
2060 16.0% $36,000 (fire take home) $36,000 $0 $0 $0 $2,947,620 407,631 · interest $835,208 120,481 · interest 36,000 · take home $0 $3,782,828 492,112
2061 -12.8% $36,000 (fire take home) $36,000 $0 $0 $0 $2,571,584 -376,036 · interest $692,658 -106,550 · interest 36,000 · take home $0 $3,264,242 -518,586
2062 -15.6% $36,000 (fire take home) $36,000 $0 $0 $0 $2,171,116 -400,468 · interest $548,792 -107,866 · interest 36,000 · take home $0 $2,719,908 -544,334
2063 -25.6% $36,000 (fire take home) $36,000 $0 $0 $0 $1,615,268 -555,848 · interest $372,291 -140,501 · interest 36,000 · take home $0 $1,987,559 -732,349
2064 22.7% $36,000 (fire take home) $36,000 $0 $0 $0 $1,981,918 366,650 · interest $420,797 84,506 · interest 36,000 · take home $0 $2,402,715 415,156
Year Income Expenses Surplus Mortgage Debt Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2065 5.8% $36,000 (fire take home) $36,000 $0 $0 $0 $2,097,177 115,259 · interest $409,269 24,472 · interest 36,000 · take home $0 $2,506,446 103,731
2066 0.0% $36,000 (fire take home) $36,000 $0 $0 $0 $2,097,177 $373,269 36,000 · take home $0 $2,470,446 -36,000
2067 10.3% $36,000 (fire take home) $36,000 $0 $0 $0 $2,313,410 216,233 · interest $375,755 38,487 · interest 36,000 · take home $0 $2,689,166 218,720
2068 0.5% $36,000 (fire take home) $36,000 $0 $0 $0 $2,325,314 11,904 · interest $341,689 1,933 · interest 36,000 · take home $0 $2,667,003 -22,163
2069 -40.3% $36,000 (fire take home) $36,000 $0 $0 $0 $1,388,642 -936,673 · interest $168,051 -137,637 · interest 36,000 · take home $0 $1,556,693 -1,110,310
2070 19.9% $36,000 (fire take home) $36,000 $0 $0 $0 $1,664,348 275,706 · interest $165,417 33,365 · interest 36,000 · take home $0 $1,829,764 273,072
2071 9.5% $36,000 (fire take home) $36,000 $0 $0 $0 $1,822,380 158,032 · interest $145,123 15,707 · interest 36,000 · take home $0 $1,967,503 137,739

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Once upon a time, not too long ago, people started asking what their lives would look like if they didn't have to work. They read hundreds of blog posts and toiled over spreadsheets never quite knowing if they were doing it right. Until one day when they discovered a site which made it easy for them to know when they could reach financial independence, how to get there and if they were staying on track.

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