Featured Model: Vixen™
2023 +177.68%*
2022 +27.14%*
2021 +431.88%*
*hypothetical results based on current model
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Critical Mass Retirement Calculator

Use this calculator to help you plan for retirement, and to determine your "Critical Mass".  What is Critical Mass?  It is where the income derived from your assets and investments is enough to sustain you in the lifestyle you desire.  After critical mass, you don't need employment.  You have the means to work only on projects that excite you, or not to work at all.   When you wake up in the morning, you can ask yourself, "What do I want to do today?"

This calculator lets you set the Rates and Amounts invested in your retirement account for each year of your life. (A negative Amount is money taken OUT of your account).  You can edit the amount in any given year to bring your account up to your current balance, at your current age.  There are some utilities at the left to make bulk changes to the numbers.

During the last 75 years, the S&P 500 earned an average annual total return of 10.4 percent.  Since the average annual inflation rate was 3.1 percent during this period, a net real return for this period would be 7.3% (after inflation).  Accounting for inflation lets you think of your future funds in today's dollars, so you know what the money taken out of the account in the future is worth.  So, the $1000 you take out in the future buys you $1000 worth of today's value, if you adjust your rates of return for inflation.

Note: Time is as important as dollars invested.  Notice how the earlier investments really add up in the end.  Get started now!   The calculator assumes your investment is made at the end of the year (as most are), so it earns no interest in that year.

NEW!  Our partners at DynamicsOfWealth.com have created this new, incredible visual Financial Path Retirement Calculator.  (HINT: Make sure you click and drag on the numbers, to see the dynamics visually! And be sure to share with your friends.)

Your Custom Plan
To get started with your plan, fill in your objectives below. You can also make manual entries to any of the Rate or Amount fields in the calculations at right.
Your current age: 
Current Retirement Acct: $
Age you wish to retire: 
Yearly retirement withdrawal: $
Rate of Return until retirement:  %
Rate of Return after retirement:  %


Input by Date Range
You can make manual entries to any of the Rate or Amount fields in the calculations at right. To make changes to a range of dates, you can use this utility.
Change Years To Rates: To Amounts:
to
to
to
to


Adjust during Retirement
Typically, you will choose more conservative investments (CDs, Goverment bonds, etc.) as you reach retirement age. Use this utility to set the following fixed rate after age 60
%


Adjust for Inflation
Want to see how much inflation takes out of your pocket? Use this utility to subtract the following inflation rate from all your earnings rates (if you have not already accounted for inflation).
Expected Inflation Rate: %


Adjust for Taxes
Want to see how much taxes takes out of your pocket? Most of your retirement investing should be in tax-deferred accounts (401k's, IRA's, etc). If they aren't, you'd better account for the bite income taxes take from your returns. Use this utility to subtract the following marginal income tax rate from all your earnings rates (if you are not in tax-deferred accounts).

Your Marginal (Combine Federal & State) Income Tax Rate: %

(For simplicity, tax adjustment won't be taken until after age 18.
 
Retirement Calculator, ages 0-100
HINT: Use utilities at left to fill in fields
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