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| Year | Income | Expenses | Surplus | Mortgage | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
|---|---|---|---|---|---|---|---|---|
| 2024 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 |
| 2025 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 |
| 2026 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 |
| 2027 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 |
| 2028 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 |
| 2029 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 |
| 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 | $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 |
| 2031 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 |
| 2032 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 |
| 2033 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 |
| 2034 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 |
| 2035 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 |
| 2036 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 |
| 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 | $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 |
| 2038 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 |
| 2039 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 |
| 2040 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 |
| 2041 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 |
| 2042 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 |
| 2043 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 |
| 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 | $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 |
| 2045 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 |
| 2046 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 |
| 2047 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 |
| 2048 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 |
| 2049 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 |
| 2050 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 |
| 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 | $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 |
| 2052 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $862,029 33,155 · interest | $273,013 10,500 · interest | $121,589 6,239 · interest 36,000 · take home 4,625 · taxes | $1,256,631 9,270 |
| 2053 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $896,510 34,481 · interest | $283,933 10,921 · interest | $85,828 4,864 · interest 36,000 · take home 4,625 · taxes | $1,266,272 9,641 |
| 2054 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $932,371 35,860 · interest | $295,291 11,357 · interest | $48,637 3,433 · interest 36,000 · take home 4,625 · taxes | $1,276,298 10,026 |
| 2055 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $969,666 37,295 · interest | $307,102 11,812 · interest | $9,957 1,945 · interest 36,000 · take home 4,625 · taxes | $1,286,725 10,427 |
| 2056 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $1,008,452 38,787 · interest | $292,563 12,284 · interest 26,823 · take home | $0 398 · interest 9,177 · take home 1,179 · taxes | $1,301,016 14,290 |
| 2057 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $1,048,790 40,338 · interest | $268,266 11,703 · interest 36,000 · take home | $0 | $1,317,056 16,041 |
| 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 | $1,090,742 41,952 · interest | $242,996 10,731 · interest 36,000 · take home | $0 | $1,333,738 16,682 |
| 2059 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $1,134,372 43,630 · interest | $216,716 9,720 · interest 36,000 · take home | $0 | $1,351,088 17,350 |
| 2060 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $1,179,747 45,375 · interest | $189,385 8,669 · interest 36,000 · take home | $0 | $1,369,131 18,044 |
| 2061 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $1,226,936 47,190 · interest | $160,960 7,575 · interest 36,000 · take home | $0 | $1,387,897 18,765 |
| 2062 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $1,276,014 49,077 · interest | $131,399 6,438 · interest 36,000 · take home | $0 | $1,407,413 19,516 |
| 2063 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $1,327,054 51,041 · interest | $100,655 5,256 · interest 36,000 · take home | $0 | $1,427,709 20,297 |
| 2064 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $1,380,137 53,082 · interest | $68,681 4,026 · interest 36,000 · take home | $0 | $1,448,817 21,108 |
| 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 | $1,435,342 55,205 · interest | $35,428 2,747 · interest 36,000 · take home | $0 | $1,470,770 21,953 |
| 2066 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $1,492,756 57,414 · interest | $845 1,417 · interest 36,000 · take home | $0 | $1,493,601 22,831 |
| 2067 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $1,511,147 59,710 · interest 35,121 · take home 6,198 · taxes | $0 34 · interest 879 · take home | $0 | $1,511,147 17,546 |
| 2068 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $1,529,240 60,446 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $1,529,240 18,093 |
| 2069 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $1,548,057 61,170 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $1,548,057 18,817 |
| 2070 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $1,567,626 61,922 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $1,567,626 19,569 |
| 2071 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $1,587,978 62,705 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $1,587,978 20,352 |
| 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 | $1,609,144 63,519 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $1,609,144 21,166 |
| 2073 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $1,631,157 64,366 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $1,631,157 22,013 |
| 2074 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $1,654,051 65,246 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $1,654,051 22,893 |
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| Year | Income | Expenses | Surplus | Mortgage | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
|---|---|---|---|---|---|---|---|---|
| 2024 4.0% | $72,000 (take home pay) | $70,200 | $1,800 | $34,200 | $41,600 18,000 · payroll 1,600 · interest | $8,040 1,800 · surplus 240 · interest | $26,000 1,000 · interest | $75,640 22,640 |
| 2025 4.0% | $72,000 (take home pay) | $70,200 | $1,800 | $34,200 | $61,984 18,000 · payroll 2,384 · interest | $10,162 1,800 · surplus 322 · interest | $27,040 1,040 · interest | $99,186 23,546 |
| 2026 4.0% | $72,000 (take home pay) | $70,200 | $1,800 | $34,200 | $83,183 18,000 · payroll 3,199 · interest | $12,368 1,800 · surplus 406 · interest | $28,122 1,082 · interest | $123,673 24,487 |
| 2027 4.0% | $72,000 (take home pay) | $70,200 | $1,800 | $34,200 | $105,231 18,000 · payroll 4,047 · interest | $14,663 1,800 · surplus 495 · interest | $29,246 1,125 · interest | $149,140 25,467 |
| 2028 4.0% | $72,000 (take home pay) | $70,200 | $1,800 | $34,200 | $128,160 18,000 · payroll 4,929 · interest | $17,049 1,800 · surplus 587 · interest | $30,416 1,170 · interest | $175,626 26,486 |
| 2029 4.0% | $72,000 (take home pay) | $70,200 | $1,800 | $34,200 | $152,006 18,000 · payroll 5,846 · interest | $19,531 1,800 · surplus 682 · interest | $31,633 1,217 · interest | $203,171 27,545 |
| Year | Income | Expenses | Surplus | Mortgage | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
| 2030 4.0% | $72,000 (take home pay) | $70,200 | $1,800 | $34,200 | $176,807 18,000 · payroll 6,800 · interest | $22,113 1,800 · surplus 781 · interest | $32,898 1,265 · interest | $231,817 28,647 |
| 2031 4.0% | $72,000 (take home pay) | $70,200 | $1,800 | $34,200 | $202,599 18,000 · payroll 7,792 · interest | $24,797 1,800 · surplus 885 · interest | $34,214 1,316 · interest | $261,610 29,793 |
| 2032 4.0% | $72,000 (take home pay) | $36,000 | $36,000 | $0 | $229,423 18,000 · payroll 8,824 · interest | $31,789 6,000 · surplus 992 · interest | $65,583 30,000 · surplus 1,369 · interest | $326,794 65,184 |
| 2033 4.0% | $72,000 (take home pay) | $36,000 | $36,000 | $0 | $257,320 18,000 · payroll 9,897 · interest | $39,060 6,000 · surplus 1,272 · interest | $98,206 30,000 · surplus 2,623 · interest | $394,586 67,792 |
| 2034 4.0% | $72,000 (take home pay) | $36,000 | $36,000 | $0 | $286,332 18,000 · payroll 11,013 · interest | $46,623 6,000 · surplus 1,562 · interest | $132,134 30,000 · surplus 3,928 · interest | $465,090 70,503 |
| 2035 4.0% | $72,000 (take home pay) | $36,000 | $36,000 | $0 | $316,506 18,000 · payroll 12,173 · interest | $54,488 6,000 · surplus 1,865 · interest | $167,420 30,000 · surplus 5,285 · interest | $538,413 73,324 |
| 2036 4.0% | $72,000 (take home pay) | $36,000 | $36,000 | $0 | $347,886 18,000 · payroll 13,380 · interest | $62,667 6,000 · surplus 2,180 · interest | $204,117 30,000 · surplus 6,697 · interest | $614,670 76,257 |
| Year | Income | Expenses | Surplus | Mortgage | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
| 2037 4.0% | $72,000 (take home pay) | $36,000 | $36,000 | $0 | $380,521 18,000 · payroll 14,635 · interest | $71,174 6,000 · surplus 2,507 · interest | $242,281 30,000 · surplus 8,165 · interest | $693,977 79,307 |
| 2038 4.0% | $72,000 (take home pay) | $36,000 | $36,000 | $0 | $414,462 18,000 · payroll 15,941 · interest | $80,021 6,000 · surplus 2,847 · interest | $281,972 30,000 · surplus 9,691 · interest | $776,456 82,479 |
| 2039 4.0% | $72,000 (take home pay) | $36,000 | $36,000 | $0 | $449,761 18,000 · payroll 17,298 · interest | $89,222 6,000 · surplus 3,201 · interest | $323,251 30,000 · surplus 11,279 · interest | $862,234 85,778 |
| 2040 4.0% | $72,000 (take home pay) | $36,000 | $36,000 | $0 | $486,471 18,000 · payroll 18,710 · interest | $98,791 6,000 · surplus 3,569 · interest | $366,181 30,000 · surplus 12,930 · interest | $951,443 89,209 |
| 2041 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $505,930 19,459 · interest | $102,742 3,952 · interest | $342,785 14,647 · interest 36,000 · take home 2,044 · taxes | $951,457 14 |
| 2042 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $526,167 20,237 · interest | $106,852 4,110 · interest | $318,452 13,711 · interest 36,000 · take home 2,044 · taxes | $951,472 15 |
| 2043 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $547,214 21,047 · interest | $111,126 4,274 · interest | $293,147 12,738 · interest 36,000 · take home 2,044 · taxes | $951,487 15 |
| Year | Income | Expenses | Surplus | Mortgage | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
| 2044 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $569,103 21,889 · interest | $115,571 4,445 · interest | $266,829 11,726 · interest 36,000 · take home 2,044 · taxes | $951,503 16 |
| 2045 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $591,867 22,764 · interest | $120,194 4,623 · interest | $239,458 10,673 · interest 36,000 · take home 2,044 · taxes | $951,519 16 |
| 2046 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $615,541 23,675 · interest | $125,002 4,808 · interest | $210,993 9,578 · interest 36,000 · take home 2,044 · taxes | $951,536 17 |
| 2047 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $640,163 24,622 · interest | $130,002 5,000 · interest | $181,389 8,440 · interest 36,000 · take home 2,044 · taxes | $951,553 18 |
| 2048 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $665,769 25,607 · interest | $135,202 5,200 · interest | $150,600 7,256 · interest 36,000 · take home 2,044 · taxes | $951,572 18 |
| 2049 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $692,400 26,631 · interest | $140,610 5,408 · interest | $118,581 6,024 · interest 36,000 · take home 2,044 · taxes | $951,591 19 |
| 2050 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $720,096 27,696 · interest | $146,234 5,624 · interest | $85,280 4,743 · interest 36,000 · take home 2,044 · taxes | $951,611 20 |
| Year | Income | Expenses | Surplus | Mortgage | Ret. (pre-tax) | Ret. (post-tax) | Investments | Net Worth |
| 2051 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $748,900 28,804 · interest | $152,084 5,849 · interest | $50,648 3,411 · interest 36,000 · take home 2,044 · taxes | $951,631 21 |
| 2052 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $778,856 29,956 · interest | $158,167 6,083 · interest | $14,630 2,026 · interest 36,000 · take home 2,044 · taxes | $951,653 21 |
| 2053 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $810,010 31,154 · interest | $142,891 6,327 · interest 21,602 · take home | $0 585 · interest 14,398 · take home 817 · taxes | $952,902 1,249 |
| 2054 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $842,411 32,400 · interest | $112,607 5,716 · interest 36,000 · take home | $0 | $955,018 2,116 |
| 2055 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $876,107 33,696 · interest | $81,111 4,504 · interest 36,000 · take home | $0 | $957,218 2,201 |
| 2056 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $911,152 35,044 · interest | $48,356 3,244 · interest 36,000 · take home | $0 | $959,507 2,289 |
| 2057 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $947,598 36,446 · interest | $14,290 1,934 · interest 36,000 · take home | $0 | $961,887 2,380 |
| 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 | $960,633 37,904 · interest 21,139 · take home 3,730 · taxes | $0 572 · interest 14,861 · take home | $0 | $960,633 -1,255 |
| 2059 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $956,705 38,425 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $956,705 -3,928 |
| 2060 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $952,620 38,268 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $952,620 -4,085 |
| 2061 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $948,372 38,105 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $948,372 -4,248 |
| 2062 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $943,954 37,935 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $943,954 -4,418 |
| 2063 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $939,359 37,758 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $939,359 -4,595 |
| 2064 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $934,581 37,574 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $934,581 -4,779 |
| 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 | $929,611 37,383 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $929,611 -4,970 |
| 2066 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $924,442 37,184 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $924,442 -5,169 |
| 2067 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $919,067 36,978 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $919,067 -5,375 |
| 2068 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $913,477 36,763 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $913,477 -5,590 |
| 2069 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $907,663 36,539 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $907,663 -5,814 |
| 2070 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $901,617 36,307 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $901,617 -6,046 |
| 2071 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $895,328 36,065 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $895,328 -6,288 |
| 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 | $888,789 35,813 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $888,789 -6,540 |
| 2073 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $881,987 35,552 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $881,987 -6,801 |
| 2074 4.0% | $36,000 (fire take home) | $36,000 | $0 | $0 | $874,914 35,279 · interest 36,000 · take home 6,353 · taxes | $0 | $0 | $874,914 -7,073 |