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| Year | Income | Expenses | Surplus | Mortgage | Debt | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
|---|---|---|---|---|---|---|---|---|---|
| 2021 4.0% | $60,000 (take home pay) | $49,200 | $10,800 | $12,000 | $0 800 · interest 1200 · payments 10,800 · surplus | $41,600 18,000 · payroll 1,600 · interest | $6,240 240 · interest | $26,000 1,000 · interest | $73,840 30,840 |
| 2022 4.0% | $60,000 (take home pay) | $48,000 | $12,000 | $12,000 | $0 | $61,984 18,000 · payroll 2,384 · interest | $12,490 6,000 · surplus 250 · interest | $33,040 6,000 · surplus 1,040 · interest | $107,514 33,674 |
| Year | Income | Expenses | Surplus | Mortgage | Debt | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
| 2023 4.0% | $60,000 (take home pay) | $48,000 | $12,000 | $12,000 | $0 | $83,183 18,000 · payroll 3,199 · interest | $18,989 6,000 · surplus 500 · interest | $40,362 6,000 · surplus 1,322 · interest | $142,534 35,021 |
| 2024 4.0% | $60,000 (take home pay) | $48,000 | $12,000 | $12,000 | $0 | $105,231 18,000 · payroll 4,047 · interest | $25,749 6,000 · surplus 760 · interest | $47,976 6,000 · surplus 1,614 · interest | $178,956 36,421 |
| 2025 4.0% | $60,000 (take home pay) | $48,000 | $12,000 | $12,000 | $0 | $128,160 18,000 · payroll 4,929 · interest | $32,779 6,000 · surplus 1,030 · interest | $55,895 6,000 · surplus 1,919 · interest | $216,834 37,878 |
| 2026 4.0% | $60,000 (take home pay) | $48,000 | $12,000 | $12,000 | $0 | $152,006 18,000 · payroll 5,846 · interest | $40,090 6,000 · surplus 1,311 · interest | $64,131 6,000 · surplus 2,236 · interest | $256,227 39,393 |
| 2027 4.0% | $60,000 (take home pay) | $48,000 | $12,000 | $12,000 | $0 | $176,807 18,000 · payroll 6,800 · interest | $47,693 6,000 · surplus 1,604 · interest | $72,696 6,000 · surplus 2,565 · interest | $297,196 40,969 |
| 2028 4.0% | $60,000 (take home pay) | $48,000 | $12,000 | $12,000 | $0 | $202,599 18,000 · payroll 7,792 · interest | $55,601 6,000 · surplus 1,908 · interest | $81,604 6,000 · surplus 2,908 · interest | $339,804 42,608 |
| 2029 4.0% | $60,000 (take home pay) | $48,000 | $12,000 | $12,000 | $0 | $229,423 18,000 · payroll 8,824 · interest | $63,825 6,000 · surplus 2,224 · interest | $90,868 6,000 · surplus 3,264 · interest | $384,116 44,312 |
| Year | Income | Expenses | Surplus | Mortgage | Debt | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
| 2030 4.0% | $60,000 (take home pay) | $48,000 | $12,000 | $12,000 | $0 | $257,320 18,000 · payroll 9,897 · interest | $72,378 6,000 · surplus 2,553 · interest | $100,503 6,000 · surplus 3,635 · interest | $430,201 46,085 |
| 2031 4.0% | $60,000 (take home pay) | $36,000 | $24,000 | $0 | $0 | $286,332 18,000 · payroll 11,013 · interest | $81,273 6,000 · surplus 2,895 · interest | $122,523 18,000 · surplus 4,020 · interest | $490,129 59,928 |
| 2032 4.0% | $60,000 (take home pay) | $36,000 | $24,000 | $0 | $0 | $316,506 18,000 · payroll 12,173 · interest | $90,524 6,000 · surplus 3,251 · interest | $145,424 18,000 · surplus 4,901 · interest | $552,454 62,325 |
| 2033 4.0% | $60,000 (take home pay) | $36,000 | $24,000 | $0 | $0 | $347,886 18,000 · payroll 13,380 · interest | $100,145 6,000 · surplus 3,621 · interest | $169,241 18,000 · surplus 5,817 · interest | $617,272 64,818 |
| 2034 4.0% | $60,000 (take home pay) | $36,000 | $24,000 | $0 | $0 | $380,521 18,000 · payroll 14,635 · interest | $110,151 6,000 · surplus 4,006 · interest | $194,011 18,000 · surplus 6,770 · interest | $684,683 67,411 |
| 2035 4.0% | $60,000 (take home pay) | $36,000 | $24,000 | $0 | $0 | $414,462 18,000 · payroll 15,941 · interest | $120,557 6,000 · surplus 4,406 · interest | $219,771 18,000 · surplus 7,760 · interest | $754,790 70,107 |
| 2036 4.0% | $60,000 (take home pay) | $36,000 | $24,000 | $0 | $0 | $449,761 18,000 · payroll 17,298 · interest | $131,379 6,000 · surplus 4,822 · interest | $246,562 18,000 · surplus 8,791 · interest | $827,702 72,912 |
| Year | Income | Expenses | Surplus | Mortgage | Debt | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
| 2037 4.0% | $60,000 (take home pay) | $36,000 | $24,000 | $0 | $0 | $486,471 18,000 · payroll 18,710 · interest | $142,635 6,000 · surplus 5,255 · interest | $274,424 18,000 · surplus 9,862 · interest | $903,530 75,828 |
| 2038 4.0% | $60,000 (take home pay) | $36,000 | $24,000 | $0 | $0 | $524,650 18,000 · payroll 20,179 · interest | $154,340 6,000 · surplus 5,705 · interest | $303,401 18,000 · surplus 10,977 · interest | $982,391 78,861 |
| 2039 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $545,636 20,986 · interest | $160,514 6,174 · interest | $276,473 12,136 · interest 36,000 · take home 3,064 · taxes | $982,623 231 |
| 2040 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $567,462 21,825 · interest | $166,934 6,421 · interest | $248,468 11,059 · interest 36,000 · take home 3,064 · taxes | $982,863 241 |
| 2041 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $590,160 22,698 · interest | $173,611 6,677 · interest | $219,342 9,939 · interest 36,000 · take home 3,064 · taxes | $983,114 250 |
| 2042 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $613,766 23,606 · interest | $180,556 6,944 · interest | $189,052 8,774 · interest 36,000 · take home 3,064 · taxes | $983,374 260 |
| 2043 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $638,317 24,551 · interest | $187,778 7,222 · interest | $157,550 7,562 · interest 36,000 · take home 3,064 · taxes | $983,645 271 |
| Year | Income | Expenses | Surplus | Mortgage | Debt | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
| 2044 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $663,850 25,533 · interest | $195,289 7,511 · interest | $124,787 6,302 · interest 36,000 · take home 3,064 · taxes | $983,926 282 |
| 2045 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $690,404 26,554 · interest | $203,101 7,812 · interest | $90,715 4,991 · interest 36,000 · take home 3,064 · taxes | $984,219 293 |
| 2046 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $718,020 27,616 · interest | $211,225 8,124 · interest | $55,279 3,629 · interest 36,000 · take home 3,064 · taxes | $984,524 305 |
| 2047 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $746,741 28,721 · interest | $219,674 8,449 · interest | $18,426 2,211 · interest 36,000 · take home 3,064 · taxes | $984,841 317 |
| 2048 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $776,610 29,870 · interest | $210,121 8,787 · interest 18,340 · take home | $0 737 · interest 17,660 · take home 1,503 · taxes | $986,731 1,890 |
| 2049 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $807,675 31,064 · interest | $182,526 8,405 · interest 36,000 · take home | $0 | $990,200 3,469 |
| 2050 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $839,982 32,307 · interest | $153,827 7,301 · interest 36,000 · take home | $0 | $993,808 3,608 |
| Year | Income | Expenses | Surplus | Mortgage | Debt | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
| 2051 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $873,581 33,599 · interest | $123,980 6,153 · interest 36,000 · take home | $0 | $997,561 3,752 |
| 2052 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $908,524 34,943 · interest | $92,939 4,959 · interest 36,000 · take home | $0 | $1,001,463 3,902 |
| 2053 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $944,865 36,341 · interest | $60,656 3,718 · interest 36,000 · take home | $0 | $1,005,522 4,059 |
| 2054 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $982,660 37,795 · interest | $27,083 2,426 · interest 36,000 · take home | $0 | $1,009,743 4,221 |
| 2055 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $1,012,750 39,306 · interest 7,834 · take home 1,382 · taxes | $0 1,083 · interest 28,166 · take home | $0 | $1,012,750 3,007 |
| 2056 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $1,010,907 40,510 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $1,010,907 -1,843 |
| 2057 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $1,008,990 40,436 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $1,008,990 -1,917 |
| Year | Income | Expenses | Surplus | Mortgage | Debt | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
| 2058 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $1,006,997 40,360 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $1,006,997 -1,993 |
| 2059 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $1,004,924 40,280 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $1,004,924 -2,073 |
| 2060 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $1,002,768 40,197 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $1,002,768 -2,156 |
| 2061 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $1,000,525 40,111 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $1,000,525 -2,242 |
| 2062 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $998,194 40,021 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $998,194 -2,332 |
| 2063 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $995,768 39,928 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $995,768 -2,425 |
| 2064 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $993,246 39,831 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $993,246 -2,522 |
| Year | Income | Expenses | Surplus | Mortgage | Debt | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
| 2065 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $990,623 39,730 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $990,623 -2,623 |
| 2066 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $987,895 39,625 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $987,895 -2,728 |
| 2067 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $985,058 39,516 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $985,058 -2,837 |
| 2068 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $982,107 39,402 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $982,107 -2,951 |
| 2069 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $979,039 39,284 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $979,039 -3,069 |
| 2070 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $975,847 39,162 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $975,847 -3,191 |
| 2071 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $0 | $972,528 39,034 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $972,528 -3,319 |
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| Year | Income | Expenses | Surplus | Mortgage | Debt | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
|---|---|---|---|---|---|---|---|---|---|
| 2021 4.0% | $90,000 (take home pay) | $37,200 | $52,800 | $12,000 | $0 800 · interest 1200 · payments 10,800 · surplus | $41,600 18,000 · payroll 1,600 · interest | $12,240 6,000 · surplus 240 · interest | $62,000 36,000 · surplus 1,000 · interest | $115,840 72,840 |
| 2022 4.0% | $90,000 (take home pay) | $36,000 | $54,000 | $12,000 | $0 | $61,984 18,000 · payroll 2,384 · interest | $18,730 6,000 · surplus 490 · interest | $112,480 48,000 · surplus 2,480 · interest | $193,194 77,354 |
| Year | Income | Expenses | Surplus | Mortgage | Debt | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
| 2023 4.0% | $90,000 (take home pay) | $36,000 | $54,000 | $12,000 | $0 | $83,183 18,000 · payroll 3,199 · interest | $25,479 6,000 · surplus 749 · interest | $164,979 48,000 · surplus 4,499 · interest | $273,641 80,448 |
| 2024 4.0% | $90,000 (take home pay) | $36,000 | $54,000 | $12,000 | $0 | $105,231 18,000 · payroll 4,047 · interest | $32,498 6,000 · surplus 1,019 · interest | $219,578 48,000 · surplus 6,599 · interest | $357,307 83,666 |
| 2025 4.0% | $90,000 (take home pay) | $36,000 | $54,000 | $12,000 | $0 | $128,160 18,000 · payroll 4,929 · interest | $39,798 6,000 · surplus 1,300 · interest | $276,362 48,000 · surplus 8,783 · interest | $444,319 87,012 |
| 2026 4.0% | $90,000 (take home pay) | $36,000 | $54,000 | $12,000 | $0 | $152,006 18,000 · payroll 5,846 · interest | $47,390 6,000 · surplus 1,592 · interest | $335,416 48,000 · surplus 11,054 · interest | $534,812 90,493 |
| 2027 4.0% | $90,000 (take home pay) | $36,000 | $54,000 | $12,000 | $0 | $176,807 18,000 · payroll 6,800 · interest | $55,285 6,000 · surplus 1,896 · interest | $396,833 48,000 · surplus 13,417 · interest | $628,925 94,112 |
| 2028 4.0% | $90,000 (take home pay) | $36,000 | $54,000 | $12,000 | $0 | $202,599 18,000 · payroll 7,792 · interest | $63,497 6,000 · surplus 2,211 · interest | $460,706 48,000 · surplus 15,873 · interest | $726,802 97,877 |
| 2029 4.0% | $90,000 (take home pay) | $24,000 | $66,000 | $0 | $0 | $229,423 18,000 · payroll 8,824 · interest | $72,037 6,000 · surplus 2,540 · interest | $539,134 60,000 · surplus 18,428 · interest | $840,594 113,792 |
| Year | Income | Expenses | Surplus | Mortgage | Debt | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
| 2030 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $238,600 9,177 · interest | $74,918 2,881 · interest | $535,664 21,565 · interest 24,000 · take home 1,036 · taxes | $849,181 8,588 |
| 2031 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $248,144 9,544 · interest | $77,915 2,997 · interest | $532,054 21,427 · interest 24,000 · take home 1,036 · taxes | $858,113 8,931 |
| 2032 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $258,069 9,926 · interest | $81,031 3,117 · interest | $528,300 21,282 · interest 24,000 · take home 1,036 · taxes | $867,401 9,289 |
| 2033 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $268,392 10,323 · interest | $84,273 3,241 · interest | $524,397 21,132 · interest 24,000 · take home 1,036 · taxes | $877,061 9,660 |
| 2034 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $279,128 10,736 · interest | $87,644 3,371 · interest | $520,336 20,976 · interest 24,000 · take home 1,036 · taxes | $887,108 10,047 |
| 2035 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $290,293 11,165 · interest | $91,149 3,506 · interest | $516,114 20,813 · interest 24,000 · take home 1,036 · taxes | $897,556 10,448 |
| 2036 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $301,905 11,612 · interest | $94,795 3,646 · interest | $511,723 20,645 · interest 24,000 · take home 1,036 · taxes | $908,423 10,866 |
| Year | Income | Expenses | Surplus | Mortgage | Debt | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
| 2037 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $313,981 12,076 · interest | $98,587 3,792 · interest | $507,156 20,469 · interest 24,000 · take home 1,036 · taxes | $919,724 11,301 |
| 2038 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $326,540 12,559 · interest | $102,531 3,943 · interest | $502,406 20,286 · interest 24,000 · take home 1,036 · taxes | $931,477 11,753 |
| 2039 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $339,602 13,062 · interest | $106,632 4,101 · interest | $497,466 20,096 · interest 24,000 · take home 1,036 · taxes | $943,700 12,223 |
| 2040 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $353,186 13,584 · interest | $110,897 4,265 · interest | $492,329 19,899 · interest 24,000 · take home 1,036 · taxes | $956,412 12,712 |
| 2041 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $367,313 14,127 · interest | $115,333 4,436 · interest | $486,986 19,693 · interest 24,000 · take home 1,036 · taxes | $969,633 13,221 |
| 2042 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $382,006 14,693 · interest | $119,946 4,613 · interest | $481,430 19,479 · interest 24,000 · take home 1,036 · taxes | $983,382 13,749 |
| 2043 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $397,286 15,280 · interest | $124,744 4,798 · interest | $475,651 19,257 · interest 24,000 · take home 1,036 · taxes | $997,681 14,299 |
| Year | Income | Expenses | Surplus | Mortgage | Debt | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
| 2044 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $413,177 15,891 · interest | $129,734 4,990 · interest | $469,641 19,026 · interest 24,000 · take home 1,036 · taxes | $1,012,553 14,871 |
| 2045 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $429,705 16,527 · interest | $134,923 5,189 · interest | $463,391 18,786 · interest 24,000 · take home 1,036 · taxes | $1,028,019 15,466 |
| 2046 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $446,893 17,188 · interest | $140,320 5,397 · interest | $456,891 18,536 · interest 24,000 · take home 1,036 · taxes | $1,044,104 16,085 |
| 2047 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $464,768 17,876 · interest | $145,933 5,613 · interest | $450,130 18,276 · interest 24,000 · take home 1,036 · taxes | $1,060,832 16,728 |
| 2048 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $483,359 18,591 · interest | $151,770 5,837 · interest | $443,100 18,005 · interest 24,000 · take home 1,036 · taxes | $1,078,229 17,397 |
| 2049 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $502,694 19,334 · interest | $157,841 6,071 · interest | $435,788 17,724 · interest 24,000 · take home 1,036 · taxes | $1,096,322 18,093 |
| 2050 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $522,801 20,108 · interest | $164,155 6,314 · interest | $428,183 17,432 · interest 24,000 · take home 1,036 · taxes | $1,115,139 18,817 |
| Year | Income | Expenses | Surplus | Mortgage | Debt | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
| 2051 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $543,713 20,912 · interest | $170,721 6,566 · interest | $420,275 17,127 · interest 24,000 · take home 1,036 · taxes | $1,134,709 19,570 |
| 2052 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $565,462 21,749 · interest | $177,550 6,829 · interest | $412,050 16,811 · interest 24,000 · take home 1,036 · taxes | $1,155,061 20,352 |
| 2053 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $588,080 22,618 · interest | $184,652 7,102 · interest | $403,496 16,482 · interest 24,000 · take home 1,036 · taxes | $1,176,228 21,167 |
| 2054 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $611,604 23,523 · interest | $192,038 7,386 · interest | $394,600 16,140 · interest 24,000 · take home 1,036 · taxes | $1,198,241 22,013 |
| 2055 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $636,068 24,464 · interest | $199,719 7,682 · interest | $385,348 15,784 · interest 24,000 · take home 1,036 · taxes | $1,221,135 22,894 |
| 2056 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $661,510 25,443 · interest | $207,708 7,989 · interest | $375,726 15,414 · interest 24,000 · take home 1,036 · taxes | $1,244,944 23,809 |
| 2057 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $687,971 26,460 · interest | $216,017 8,308 · interest | $365,719 15,029 · interest 24,000 · take home 1,036 · taxes | $1,269,706 24,762 |
| Year | Income | Expenses | Surplus | Mortgage | Debt | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
| 2058 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $715,490 27,519 · interest | $224,657 8,641 · interest | $355,312 14,629 · interest 24,000 · take home 1,036 · taxes | $1,295,459 25,752 |
| 2059 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $744,109 28,620 · interest | $233,643 8,986 · interest | $344,488 14,212 · interest 24,000 · take home 1,036 · taxes | $1,322,241 26,782 |
| 2060 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $773,874 29,764 · interest | $242,989 9,346 · interest | $333,232 13,780 · interest 24,000 · take home 1,036 · taxes | $1,350,095 27,854 |
| 2061 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $804,829 30,955 · interest | $252,709 9,720 · interest | $321,525 13,329 · interest 24,000 · take home 1,036 · taxes | $1,379,063 28,968 |
| 2062 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $837,022 32,193 · interest | $262,817 10,108 · interest | $309,350 12,861 · interest 24,000 · take home 1,036 · taxes | $1,409,189 30,127 |
| 2063 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $870,503 33,481 · interest | $273,330 10,513 · interest | $296,688 12,374 · interest 24,000 · take home 1,036 · taxes | $1,440,521 31,332 |
| 2064 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $905,323 34,820 · interest | $284,263 10,933 · interest | $283,520 11,868 · interest 24,000 · take home 1,036 · taxes | $1,473,106 32,585 |
| Year | Income | Expenses | Surplus | Mortgage | Debt | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
| 2065 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $941,536 36,213 · interest | $295,634 11,371 · interest | $269,825 11,341 · interest 24,000 · take home 1,036 · taxes | $1,506,994 33,888 |
| 2066 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $979,197 37,661 · interest | $307,459 11,825 · interest | $255,582 10,793 · interest 24,000 · take home 1,036 · taxes | $1,542,238 35,244 |
| 2067 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $1,018,365 39,168 · interest | $319,757 12,298 · interest | $240,769 10,223 · interest 24,000 · take home 1,036 · taxes | $1,578,891 36,654 |
| 2068 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $1,059,100 40,735 · interest | $332,548 12,790 · interest | $225,364 9,631 · interest 24,000 · take home 1,036 · taxes | $1,617,011 38,120 |
| 2069 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $1,101,464 42,364 · interest | $345,849 13,302 · interest | $209,343 9,015 · interest 24,000 · take home 1,036 · taxes | $1,656,656 39,645 |
| 2070 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $1,145,522 44,059 · interest | $359,683 13,834 · interest | $192,681 8,374 · interest 24,000 · take home 1,036 · taxes | $1,697,886 41,230 |
| 2071 4.0% | $24,000 (fire take home) | $24,000 | $0 | $0 | $0 | $1,191,343 45,821 · interest | $374,071 14,387 · interest | $175,352 7,707 · interest 24,000 · take home 1,036 · taxes | $1,740,766 42,880 |