Your author has developed a number of retirement planning
spreadsheets covering a variety of topics. He has personally
used these tools to plan for his own early retirement and
to do the necessary risk analysis required to ensure he
can stay retired under most any circumstance. These spreadsheets
are provided here in the hope that they will be useful to
Retire Early's readers.
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The Generation-X Retirement Planner
This spreadsheet allows you to calculate how much money you'll
need to Retire Early.
(Assumes no Social Security or company pension benefits.)
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Retire Early 401k "Shaft" Detector
This spreadsheet allows you to evaluate if your getting the shaft in your 401k plan. Many people are -- especially if your employer doesn't match your contributions.
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The IRA Withdrawal Calculator and Roth Analyzer
This spreadsheet allows you to calculate how much money you can safely withdraw from your IRA under various scenarios. It also allows you to determine if transferring money to a Roth IRA makes sense for you.
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The IRACALC spreadsheet
If you've been lucky enough to accumulate a large IRA balance this is
for you.
(Once you see how much your going to lose to income and estate taxes
you'll agree - you should have Retired Earlier
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The Calamity Planning Spreadsheet
If the Dow Jones Industrial Average dropped by 50% could you stay retired?
Or would you suffer an untimely, pride swallowing return to the work
force. This spreadsheet let's you calculate where you stand.
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Retire Early Safe Withdrawal Calculator
Find your "safe" withdrawal rate in retirement and how much your investment expenses are reducing your retirement income. Here's another Excel spreadsheet let's you calculate where you stand.
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Retire Early Diversification Worksheet
Find out how much your "safe" withdrawal rate in retirement declines if you don't diversify. If you hold less than 10 stocks in your portfolio, these results may give you pause.(Filename: rediver.zip (21kb) expands to rediver.xls (56kb))
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Retire Early Annuity Factor Calculator
This Excel spreadsheet calculates a penalty-free pre age 59-1/2 IRA withdrawal using the annuity method. Based on the UP-1984 Mortality Table as described in IRS Cumulative Bulletin 89-25, Page 666. (Filename: annu98.zip (12kb) expands to annu98.xls (35kb))
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Retire Early Annuity Factor Calculator (Annuity 2003 Edition)
This Excel spreadsheet calculates a penalty-free pre age 59-1/2 IRA withdrawal using the annuity method. Based on the Annuity 2003 Mortality Table as described in IRS Revenue Ruling 2002-62, Appendix B.
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Retire Early Annuity Shaft Detector
This Excel spreadsheet investigates the effect of annuitizing your retirement portfolio when you leave the workforce. It's usually not a good idea. (Filename: annusft.zip (11kb) expands to annusft.xls (33kb))
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Download PKUNZIP.EXE
All of the programs listed above are available on the server as .zip files. Before you can use them, you'll need PKUNZIP.EXE to decompress the .zip files.
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