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Sample rent @ $6k · details
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Year Income Expenses Surplus Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2022 4.0% $72,000 (take home pay) $48,000 $24,000 $41,600 18,000 · payroll 1,600 · interest $12,240 6,000 · surplus 240 · interest $44,000 18,000 · surplus 1,000 · interest $97,840 44,840
Year Income Expenses Surplus Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2023 4.0% $72,000 (take home pay) $48,000 $24,000 $61,984 18,000 · payroll 2,384 · interest $18,730 6,000 · surplus 490 · interest $63,760 18,000 · surplus 1,760 · interest $144,474 46,634
2024 4.0% $72,000 (take home pay) $48,000 $24,000 $83,183 18,000 · payroll 3,199 · interest $25,479 6,000 · surplus 749 · interest $84,310 18,000 · surplus 2,550 · interest $192,973 48,499
2025 4.0% $72,000 (take home pay) $48,000 $24,000 $105,231 18,000 · payroll 4,047 · interest $32,498 6,000 · surplus 1,019 · interest $105,683 18,000 · surplus 3,372 · interest $243,411 50,439
2026 4.0% $72,000 (take home pay) $48,000 $24,000 $128,160 18,000 · payroll 4,929 · interest $39,798 6,000 · surplus 1,300 · interest $127,910 18,000 · surplus 4,227 · interest $295,868 52,456
2027 4.0% $72,000 (take home pay) $48,000 $24,000 $152,006 18,000 · payroll 5,846 · interest $47,390 6,000 · surplus 1,592 · interest $151,027 18,000 · surplus 5,116 · interest $350,423 54,555
2028 4.0% $72,000 (take home pay) $48,000 $24,000 $176,807 18,000 · payroll 6,800 · interest $55,285 6,000 · surplus 1,896 · interest $175,068 18,000 · surplus 6,041 · interest $407,160 56,737
2029 4.0% $72,000 (take home pay) $48,000 $24,000 $202,599 18,000 · payroll 7,792 · interest $63,497 6,000 · surplus 2,211 · interest $200,070 18,000 · surplus 7,003 · interest $466,166 59,006
Year Income Expenses Surplus Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2030 4.0% $72,000 (take home pay) $48,000 $24,000 $229,423 18,000 · payroll 8,824 · interest $72,037 6,000 · surplus 2,540 · interest $226,073 18,000 · surplus 8,003 · interest $527,533 61,367
2031 4.0% $72,000 (take home pay) $48,000 $24,000 $257,320 18,000 · payroll 9,897 · interest $80,918 6,000 · surplus 2,881 · interest $253,116 18,000 · surplus 9,043 · interest $591,354 63,821
2032 4.0% $72,000 (take home pay) $48,000 $24,000 $286,332 18,000 · payroll 11,013 · interest $90,155 6,000 · surplus 3,237 · interest $281,241 18,000 · surplus 10,125 · interest $657,728 66,374
2033 4.0% $72,000 (take home pay) $48,000 $24,000 $316,506 18,000 · payroll 12,173 · interest $99,761 6,000 · surplus 3,606 · interest $310,490 18,000 · surplus 11,250 · interest $726,757 69,029
2034 4.0% $72,000 (take home pay) $48,000 $24,000 $347,886 18,000 · payroll 13,380 · interest $109,751 6,000 · surplus 3,990 · interest $340,910 18,000 · surplus 12,420 · interest $798,547 71,790
2035 4.0% $72,000 (take home pay) $48,000 $24,000 $380,521 18,000 · payroll 14,635 · interest $120,142 6,000 · surplus 4,390 · interest $372,546 18,000 · surplus 13,636 · interest $873,209 74,662
2036 4.0% $72,000 (take home pay) $48,000 $24,000 $414,462 18,000 · payroll 15,941 · interest $130,947 6,000 · surplus 4,806 · interest $405,448 18,000 · surplus 14,902 · interest $950,858 77,648
Year Income Expenses Surplus Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2037 4.0% $72,000 (take home pay) $48,000 $24,000 $449,761 18,000 · payroll 17,298 · interest $142,185 6,000 · surplus 5,238 · interest $439,666 18,000 · surplus 16,218 · interest $1,031,612 80,754
2038 4.0% $72,000 (take home pay) $48,000 $24,000 $486,471 18,000 · payroll 18,710 · interest $153,872 6,000 · surplus 5,687 · interest $475,253 18,000 · surplus 17,587 · interest $1,115,596 83,984
2039 4.0% $72,000 (take home pay) $48,000 $24,000 $524,650 18,000 · payroll 20,179 · interest $166,027 6,000 · surplus 6,155 · interest $512,263 18,000 · surplus 19,010 · interest $1,202,940 87,344
2040 4.0% $72,000 (take home pay) $48,000 $24,000 $564,356 18,000 · payroll 21,706 · interest $178,668 6,000 · surplus 6,641 · interest $550,753 18,000 · surplus 20,491 · interest $1,293,778 90,838
2041 4.0% $48,000 (fire take home) $48,000 $0 $586,930 22,574 · interest $185,815 7,147 · interest $519,134 22,030 · interest 48,000 · take home 5,649 · taxes $1,291,880 -1,898
2042 4.0% $48,000 (fire take home) $48,000 $0 $610,408 23,477 · interest $193,248 7,433 · interest $486,250 20,765 · interest 48,000 · take home 5,649 · taxes $1,289,905 -1,974
2043 4.0% $48,000 (fire take home) $48,000 $0 $634,824 24,416 · interest $200,978 7,730 · interest $452,051 19,450 · interest 48,000 · take home 5,649 · taxes $1,287,852 -2,053
Year Income Expenses Surplus Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2044 4.0% $48,000 (fire take home) $48,000 $0 $660,217 25,393 · interest $209,017 8,039 · interest $416,483 18,082 · interest 48,000 · take home 5,649 · taxes $1,285,717 -2,135
2045 4.0% $48,000 (fire take home) $48,000 $0 $686,625 26,409 · interest $217,378 8,361 · interest $379,493 16,659 · interest 48,000 · take home 5,649 · taxes $1,283,496 -2,221
2046 4.0% $48,000 (fire take home) $48,000 $0 $714,091 27,465 · interest $226,073 8,695 · interest $341,023 15,180 · interest 48,000 · take home 5,649 · taxes $1,281,186 -2,310
2047 4.0% $48,000 (fire take home) $48,000 $0 $742,654 28,564 · interest $235,116 9,043 · interest $301,015 13,641 · interest 48,000 · take home 5,649 · taxes $1,278,784 -2,402
2048 4.0% $48,000 (fire take home) $48,000 $0 $772,360 29,706 · interest $244,520 9,405 · interest $259,406 12,041 · interest 48,000 · take home 5,649 · taxes $1,276,286 -2,498
2049 4.0% $48,000 (fire take home) $48,000 $0 $803,255 30,894 · interest $254,301 9,781 · interest $216,133 10,376 · interest 48,000 · take home 5,649 · taxes $1,273,688 -2,598
2050 4.0% $48,000 (fire take home) $48,000 $0 $835,385 32,130 · interest $264,473 10,172 · interest $171,129 8,645 · interest 48,000 · take home 5,649 · taxes $1,270,987 -2,702
Year Income Expenses Surplus Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2051 4.0% $48,000 (fire take home) $48,000 $0 $868,800 33,415 · interest $275,052 10,579 · interest $124,324 6,845 · interest 48,000 · take home 5,649 · taxes $1,268,177 -2,810
2052 4.0% $48,000 (fire take home) $48,000 $0 $903,552 34,752 · interest $286,054 11,002 · interest $75,648 4,973 · interest 48,000 · take home 5,649 · taxes $1,265,254 -2,922
2053 4.0% $48,000 (fire take home) $48,000 $0 $939,694 36,142 · interest $297,496 11,442 · interest $25,024 3,026 · interest 48,000 · take home 5,649 · taxes $1,262,215 -3,039
2054 4.0% $48,000 (fire take home) $48,000 $0 $977,282 37,588 · interest $284,681 11,900 · interest 24,715 · take home $0 1,001 · interest 23,285 · take home 2,741 · taxes $1,261,963 -252
2055 4.0% $48,000 (fire take home) $48,000 $0 $1,016,373 39,091 · interest $248,068 11,387 · interest 48,000 · take home $0 $1,264,441 2,479
2056 4.0% $48,000 (fire take home) $48,000 $0 $1,057,028 40,655 · interest $209,991 9,923 · interest 48,000 · take home $0 $1,267,019 2,578
2057 4.0% $48,000 (fire take home) $48,000 $0 $1,099,310 42,281 · interest $170,390 8,400 · interest 48,000 · take home $0 $1,269,700 2,681
Year Income Expenses Surplus Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2058 4.0% $48,000 (fire take home) $48,000 $0 $1,143,282 43,972 · interest $129,206 6,816 · interest 48,000 · take home $0 $1,272,488 2,788
2059 4.0% $48,000 (fire take home) $48,000 $0 $1,189,013 45,731 · interest $86,374 5,168 · interest 48,000 · take home $0 $1,275,387 2,900
2060 4.0% $48,000 (fire take home) $48,000 $0 $1,236,574 47,561 · interest $41,829 3,455 · interest 48,000 · take home $0 $1,278,403 3,015
2061 4.0% $48,000 (fire take home) $48,000 $0 $1,280,745 49,463 · interest 4,498 · take home 794 · taxes $0 1,673 · interest 43,502 · take home $0 $1,280,745 2,342
2062 4.0% $48,000 (fire take home) $48,000 $0 $1,275,505 51,230 · interest 48,000 · take home 8,471 · taxes $0 $0 $1,275,505 -5,241
2063 4.0% $48,000 (fire take home) $48,000 $0 $1,270,054 51,020 · interest 48,000 · take home 8,471 · taxes $0 $0 $1,270,054 -5,450
2064 4.0% $48,000 (fire take home) $48,000 $0 $1,264,386 50,802 · interest 48,000 · take home 8,471 · taxes $0 $0 $1,264,386 -5,668
Year Income Expenses Surplus Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2065 4.0% $48,000 (fire take home) $48,000 $0 $1,258,491 50,575 · interest 48,000 · take home 8,471 · taxes $0 $0 $1,258,491 -5,895
2066 4.0% $48,000 (fire take home) $48,000 $0 $1,252,360 50,340 · interest 48,000 · take home 8,471 · taxes $0 $0 $1,252,360 -6,131
2067 4.0% $48,000 (fire take home) $48,000 $0 $1,245,983 50,094 · interest 48,000 · take home 8,471 · taxes $0 $0 $1,245,983 -6,376
2068 4.0% $48,000 (fire take home) $48,000 $0 $1,239,352 49,839 · interest 48,000 · take home 8,471 · taxes $0 $0 $1,239,352 -6,631
2069 4.0% $48,000 (fire take home) $48,000 $0 $1,232,456 49,574 · interest 48,000 · take home 8,471 · taxes $0 $0 $1,232,456 -6,897
2070 4.0% $48,000 (fire take home) $48,000 $0 $1,225,283 49,298 · interest 48,000 · take home 8,471 · taxes $0 $0 $1,225,283 -7,172
2071 4.0% $48,000 (fire take home) $48,000 $0 $1,217,824 49,011 · interest 48,000 · take home 8,471 · taxes $0 $0 $1,217,824 -7,459
Year Income Expenses Surplus Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2072 4.0% $48,000 (fire take home) $48,000 $0 $1,210,066 48,713 · interest 48,000 · take home 8,471 · taxes $0 $0 $1,210,066 -7,758
Sample delay mtg. @ $6k · details
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Year Income Expenses Surplus Mortgage Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2022 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $41,600 18,000 · payroll 1,600 · interest $12,240 6,000 · surplus 240 · interest $41,000 15,000 · surplus 1,000 · interest $94,840 41,840
Year Income Expenses Surplus Mortgage Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2023 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $61,984 18,000 · payroll 2,384 · interest $18,730 6,000 · surplus 490 · interest $57,640 15,000 · surplus 1,640 · interest $138,354 43,514
2024 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $83,183 18,000 · payroll 3,199 · interest $25,479 6,000 · surplus 749 · interest $74,946 15,000 · surplus 2,306 · interest $183,608 45,254
2025 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $105,231 18,000 · payroll 4,047 · interest $32,498 6,000 · surplus 1,019 · interest $92,943 15,000 · surplus 2,998 · interest $230,672 47,064
2026 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $128,160 18,000 · payroll 4,929 · interest $39,798 6,000 · surplus 1,300 · interest $111,661 15,000 · surplus 3,718 · interest $279,619 48,947
2027 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $152,006 18,000 · payroll 5,846 · interest $47,390 6,000 · surplus 1,592 · interest $131,128 15,000 · surplus 4,466 · interest $330,524 50,905
2028 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $176,807 18,000 · payroll 6,800 · interest $55,285 6,000 · surplus 1,896 · interest $151,373 15,000 · surplus 5,245 · interest $383,465 52,941
2029 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $202,599 18,000 · payroll 7,792 · interest $63,497 6,000 · surplus 2,211 · interest $172,428 15,000 · surplus 6,055 · interest $438,523 55,059
Year Income Expenses Surplus Mortgage Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2030 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $229,423 18,000 · payroll 8,824 · interest $72,037 6,000 · surplus 2,540 · interest $194,325 15,000 · surplus 6,897 · interest $495,784 57,261
2031 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $257,320 18,000 · payroll 9,897 · interest $80,918 6,000 · surplus 2,881 · interest $217,098 15,000 · surplus 7,773 · interest $555,336 59,551
2032 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $286,332 18,000 · payroll 11,013 · interest $90,155 6,000 · surplus 3,237 · interest $240,782 15,000 · surplus 8,684 · interest $617,269 61,933
2033 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $316,506 18,000 · payroll 12,173 · interest $99,761 6,000 · surplus 3,606 · interest $265,413 15,000 · surplus 9,631 · interest $681,680 64,411
2034 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $347,886 18,000 · payroll 13,380 · interest $109,751 6,000 · surplus 3,990 · interest $291,029 15,000 · surplus 10,617 · interest $748,667 66,987
2035 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $380,521 18,000 · payroll 14,635 · interest $120,142 6,000 · surplus 4,390 · interest $317,671 15,000 · surplus 11,641 · interest $818,334 69,667
2036 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $414,462 18,000 · payroll 15,941 · interest $130,947 6,000 · surplus 4,806 · interest $345,377 15,000 · surplus 12,707 · interest $890,787 72,453
Year Income Expenses Surplus Mortgage Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2037 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $449,761 18,000 · payroll 17,298 · interest $142,185 6,000 · surplus 5,238 · interest $374,192 15,000 · surplus 13,815 · interest $966,138 75,351
2038 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $486,471 18,000 · payroll 18,710 · interest $153,872 6,000 · surplus 5,687 · interest $404,160 15,000 · surplus 14,968 · interest $1,044,504 78,366
2039 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $524,650 18,000 · payroll 20,179 · interest $166,027 6,000 · surplus 6,155 · interest $435,327 15,000 · surplus 16,166 · interest $1,126,004 81,500
2040 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $564,356 18,000 · payroll 21,706 · interest $178,668 6,000 · surplus 6,641 · interest $467,740 15,000 · surplus 17,413 · interest $1,210,764 84,760
2041 4.0% $72,000 (take home pay) $51,000 $21,000 $15,000 $605,650 18,000 · payroll 23,294 · interest $191,815 6,000 · surplus 7,147 · interest $501,449 15,000 · surplus 18,710 · interest $1,298,915 88,151
2042 4.0% $51,000 (fire take home) $51,000 $0 $15,000 $629,876 24,226 · interest $199,488 7,673 · interest $463,956 20,058 · interest 51,000 · take home 6,552 · taxes $1,293,320 -5,595
2043 4.0% $51,000 (fire take home) $51,000 $0 $15,000 $655,071 25,195 · interest $207,467 7,980 · interest $424,962 18,558 · interest 51,000 · take home 6,552 · taxes $1,287,501 -5,819
Year Income Expenses Surplus Mortgage Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2044 4.0% $51,000 (fire take home) $51,000 $0 $15,000 $681,274 26,203 · interest $215,766 8,299 · interest $384,409 16,998 · interest 51,000 · take home 6,552 · taxes $1,281,450 -6,052
2045 4.0% $51,000 (fire take home) $51,000 $0 $15,000 $708,525 27,251 · interest $224,397 8,631 · interest $342,234 15,376 · interest 51,000 · take home 6,552 · taxes $1,275,156 -6,294
2046 4.0% $51,000 (fire take home) $51,000 $0 $15,000 $736,866 28,341 · interest $233,373 8,976 · interest $298,372 13,689 · interest 51,000 · take home 6,552 · taxes $1,268,611 -6,545
2047 4.0% $51,000 (fire take home) $51,000 $0 $15,000 $766,341 29,475 · interest $242,707 9,335 · interest $252,755 11,935 · interest 51,000 · take home 6,552 · taxes $1,261,803 -6,807
2048 4.0% $51,000 (fire take home) $51,000 $0 $15,000 $796,995 30,654 · interest $252,416 9,708 · interest $205,314 10,110 · interest 51,000 · take home 6,552 · taxes $1,254,724 -7,079
2049 4.0% $51,000 (fire take home) $51,000 $0 $15,000 $828,874 31,880 · interest $262,512 10,097 · interest $155,975 8,213 · interest 51,000 · take home 6,552 · taxes $1,247,361 -7,363
2050 4.0% $51,000 (fire take home) $51,000 $0 $15,000 $862,029 33,155 · interest $273,013 10,500 · interest $104,662 6,239 · interest 51,000 · take home 6,552 · taxes $1,239,704 -7,657
Year Income Expenses Surplus Mortgage Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2051 4.0% $51,000 (fire take home) $51,000 $0 $15,000 $896,510 34,481 · interest $283,933 10,921 · interest $51,297 4,186 · interest 51,000 · take home 6,552 · taxes $1,231,741 -7,963
2052 4.0% $36,000 (fire take home) $36,000 $0 $0 $932,371 35,860 · interest $295,291 11,357 · interest $12,724 2,052 · interest 36,000 · take home 4,625 · taxes $1,240,386 8,645
2053 4.0% $36,000 (fire take home) $36,000 $0 $0 $969,666 37,295 · interest $282,829 11,812 · interest 24,273 · take home $0 509 · interest 11,727 · take home 1,506 · taxes $1,252,495 12,109
2054 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,008,452 38,787 · interest $258,142 11,313 · interest 36,000 · take home $0 $1,266,595 14,100
2055 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,048,790 40,338 · interest $232,468 10,326 · interest 36,000 · take home $0 $1,281,258 14,664
2056 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,090,742 41,952 · interest $205,767 9,299 · interest 36,000 · take home $0 $1,296,509 15,250
2057 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,134,372 43,630 · interest $177,997 8,231 · interest 36,000 · take home $0 $1,312,369 15,860
Year Income Expenses Surplus Mortgage Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2058 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,179,747 45,375 · interest $149,117 7,120 · interest 36,000 · take home $0 $1,328,864 16,495
2059 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,226,936 47,190 · interest $119,082 5,965 · interest 36,000 · take home $0 $1,346,019 17,155
2060 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,276,014 49,077 · interest $87,845 4,763 · interest 36,000 · take home $0 $1,363,859 17,841
2061 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,327,054 51,041 · interest $55,359 3,514 · interest 36,000 · take home $0 $1,382,414 18,554
2062 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,380,137 53,082 · interest $21,573 2,214 · interest 36,000 · take home $0 $1,401,710 19,297
2063 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,419,385 55,205 · interest 13,564 · take home 2,394 · taxes $0 863 · interest 22,436 · take home $0 $1,419,385 17,675
2064 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,433,807 56,775 · interest 36,000 · take home 6,353 · taxes $0 $0 $1,433,807 14,422
Year Income Expenses Surplus Mortgage Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2065 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,448,807 57,352 · interest 36,000 · take home 6,353 · taxes $0 $0 $1,448,807 14,999
2066 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,464,406 57,952 · interest 36,000 · take home 6,353 · taxes $0 $0 $1,464,406 15,599
2067 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,480,629 58,576 · interest 36,000 · take home 6,353 · taxes $0 $0 $1,480,629 16,223
2068 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,497,502 59,225 · interest 36,000 · take home 6,353 · taxes $0 $0 $1,497,502 16,872
2069 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,515,049 59,900 · interest 36,000 · take home 6,353 · taxes $0 $0 $1,515,049 17,547
2070 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,533,298 60,602 · interest 36,000 · take home 6,353 · taxes $0 $0 $1,533,298 18,249
2071 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,552,277 61,332 · interest 36,000 · take home 6,353 · taxes $0 $0 $1,552,277 18,979
Year Income Expenses Surplus Mortgage Ret. (pre-tax) Ret. (post-tax) Investments Net Worth
2072 4.0% $36,000 (fire take home) $36,000 $0 $0 $1,572,015 62,091 · interest 36,000 · take home 6,353 · taxes $0 $0 $1,572,015 19,738