Initial Investment: ? The amount of money you start with in the investment before making any contributions.

Annual Interest Rate (%) ? The expected yearly return rate on your investment, before taxes and inflation.

Common averages:
• S&P 500 ETF: ~8%
• Govt Bonds: ~4%
• Corp Bonds: ~5–7%
• Deposits/CDs: ~3–5%
• REITs: ~6–9%

Number of Years: ? How long you plan to keep the investment running in total.

Starting Annual Contribution: ? The amount you plan to add to the investment in the first year.

Contribution Decrease Type: ? Choose whether contributions drop each year by a fixed amount or by a percentage.

Fixed Amount Percentage

Decrease Value: ? How much your annual contribution decreases every year (in money or percent, based on your choice above).

Contribution Limit Years: ? The number of years you will keep making contributions. Leave blank if you will contribute until the end of the investment period.

Compounding Frequency: ? How often the interest is added to your investment balance (yearly or monthly).

Yearly Monthly

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Monthly Withdrawal (after start year) – Net (after tax): ? The amount you want to withdraw each month in today’s money, after taxes are taken out.

Investment Tax (%): ? The percentage of earnings taken as tax before calculating your withdrawals.

Withdrawals Start After Year: ? The number of years from the start after which you begin withdrawing money.

Withdrawal Inflation Rate (% per year): ? How much your withdrawals should grow each year to keep up with inflation.

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