Semi-Retire at 42

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Project when I may retire or semi-retire

Last update Jan 2025
  • Scenario 1: Lifetime Wealth Projection

Age
Try your numbers:

Input your current age.

A =

Input the total savings you currently have, across all accounts.

B =

Input the age at which you plan to stop working and start retirement.

C =

Input your current yearly earnings before taxes. (We assume you will stay at this income level, inflation-adjusted.)

D =

Set a minimum spending and invest the rest

E =
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Add Input
  • Amount
    Any single amount ($).
  • Cash Flow
    Rent, insurance premium, salary, ...
  • Current Asset
    Real estate, commodity, bonds, ...
  • Installment Loan
    Mortgage, car loan, ...
  • Percentage
    Any percentage value (%).
  • Years / Months
    Any time horizon.
  • Age (already added)
    Show "Age" instead of "# Years from Now."
  • Retirement Age (already added))
    Enable "Investment Return After Retirement."

Time Value Assumptions

Heads Up!

If you're using Cost Basis (cb) for calculating capital gains:

Please be aware that very few countries currently use inflation-indexed cost basis. Double-check your local tax rules before publishing.

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How is Cash Value calculated?

Lower RRSP / TFSA %; lower pension plan

Decisions / Expectations

(Expressions are evaluated at Year 0 only.)

F =
G =
H =
I =
J =
K =
L̃ =
∞
Follow Inflation
M =
Ñ =
Follow Inflation
Õ =
∞
Follow Inflation
P =
Q =
R =
S =
T̃ =
Now
Follow Inflation
Ũ =
Now
Follow Inflation
Ṽ =
Now
Follow Inflation
W̃ =
X̃ =
Ỹ =
Z̃ =
∞
Follow Inflation

Calculations

(Expressions are evaluated at every year.)

AA =
AB =
ÃC̃ =
ÃD̃ =
ÃẼ =
ÃF̃ =
AG =
AH =
ÃĨ =
AJ =
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Add Decision or Expectation
  • Buy Asset
    Buy an asset growing at its own rate.
  • Take Installment Loan
    Take a mortgage, loan, etc.
  • Invest
    Receive/Spend a lump sum.
  • Expect to Invest
    Expect to receive/spend a lump sum.
  • Expect Monthly Cash Flow
    Expect to receive/spend cash monthly.
  • Expect Yearly Cash Flow
    Expect to receive/spend cash yearly.
  • Define Variable (Numerical)
    Calculate an intermediate value.
Add Intermediate Calculation
  • Define Variable (Numerical)
    Calculate an intermediate value.
  • Define Variable (Cash Flow)
    Calculate a combined cash flow.