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This article was updated on July 1, 1999.

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.

filename = softlist.html
Copyright 1999 John P. Greaney, All rights reserved.

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