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  1. ROI Calculation

    I'm sure the ROI calculation is correct, I'm just not fully understanding how you came to the conclusion that you did. If I bring in 20k and can save 50% (with a savings rate of 5%), surey the ROI after the first year is 500 rather than the displayed 250?

    1 vote
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    0 comments  ·  Flag idea as inappropriate…  ·  Admin →
  2. Add what currency the Calculator is in

    I am unable to see what currency the Calculator is in?

    1 vote
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    1 comment  ·  Flag idea as inappropriate…  ·  Admin →
  3. your chart is flawed

    as i change the withdrawal percentage [see examples 3% - 7.7, 4% - 4.2, 5% - 1.8, 6% - 0.0] the more i withdraw, the less time i have until retirement??!? how TF does that make sense... unless i am missing something

    9 votes
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    1 comment  ·  Flag idea as inappropriate…  ·  Admin →
  4. Able to include funds already saved

    If I've already saved X, that should be included as generating returns.

    3 votes
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    1 comment  ·  Flag idea as inappropriate…  ·  Admin →
  5. Manual years to retirment

    Instead of inputing "Current savings rate" can you input "desired years to retirment" and then it would give you all the figures needed to get that target?

    7 votes
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  6. Current Expense Question

    Question: Should Current Annual Expenses include the taxes you pay on your paycheck? Your tax rate will go down when you don't have pay check when you retire, so including those taxes seems like over stating the taxes when you are retired.

    2 votes
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    0 comments  ·  Flag idea as inappropriate…  ·  Admin →
  7. add the ability to change expenses after retirement.

    Our expenses will be way lower during retirement so this calculator doesn't really work for us.

    40 votes
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    3 comments  ·  Flag idea as inappropriate…  ·  Admin →
  8. Updated average saving rates for EU countries available (2012)

    The European commission published updated avg. household saving rates you might want to implement in your graphs - The current numbers are from 2008.

    (https://ec.europa.eu/info/publications/economy-finance/household-saving-rates-eu-why-do-they-differ-so-much_en)

    1 vote
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  9. Add the ability to insert future periods where additional income kicks in.

    For instance:
    I have a defined benefit work pension starting at time X
    I have federal pension starting at time Y
    I have a lump sum injection at time Z
    That would make this calculator even more wicked!

    30 votes
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    4 comments  ·  Flag idea as inappropriate…  ·  Admin →
  10. 1 vote
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    0 comments  ·  Flag idea as inappropriate…  ·  Admin →
  11. Allow a different post-retirement annual expense

    Since many of us plan on retiring abroad thus greatly reducing our annual expenses (and even if we don't move, many of us do reduce expenses a lot), the calculator should not assume by default that the current expense rate is also the post-retirement expense rate.

    7 votes
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  12. Allow for negative return on investment

    In times of a 2% inflation goal of the European central bank and roughly 0% interest in most places you should allow for a negative interest rate in your formula.
    Having a negative interest rate leads to a lot not NaNs and weird diagram.

    3 votes
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  13. Allow for Ages & IRS Rules

    For example if I put in my current savings, portfolio value and Income data - I derive at 7 more years until retirement. However, given my assets are in a 401k they cannot be touched without penalty until the year in which I turn 55. So, being 35 yrs old - 42yrs old is not a viable option unless it can account for tax deferred and taxable account portfolios separately. I would think this would be the case for most Americans saving in a 401k or tax advantaged retirement account. It would be great if the IRS rules could be…

    3 votes
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    0 comments  ·  Flag idea as inappropriate…  ·  Admin →
  14. Add an input for income in retirement

    I have several sources of income in retirement that do not come from my investment portfolio, including rental income and music royalties. Others might have social security or a pension. With the current retirement calculator I need to reduce my expenses by my additional income to get an accurate number. It would be nice to leave the expenses as your actual expenses and add in the additional income as a line item in the calculation.

    8 votes
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  15. Take income tax into consideration

    Income tax typically higher during working years. Where do you put it? Expenses? If so, this over estimates time needed by assuming your expenses including high income tax during working years will be the same in retirement.

    5 votes
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  16. change "Show less options" to "Show fewer options"

    "fewer" is number, "less" is degree.

    just a grammar tweak. not trying to be a jerk, just noticed it.

    1 vote
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  17. Your security certificate expired

    Please fix it. This site is great!

    1 vote
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  18. Make a graph to show the correlation of (at a given income level) percent savings to years to retirement.

    This graph will underline the importance of the saving rate independent of income.

    1 vote
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  19. Make a box with tax on investments

    I live in Denmark where we pay 28 % in tax on investment gains in the stock market up till the first 48K (in DKK) we gain, and there after 48 % on any gains above 48K. I assume that we danes have to hit a 8 % safety margen before we can retire. Is it possible to make som boxe where we can enter tax on investment and then calculate?

    Thx

    10 votes
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    2 comments  ·  Flag idea as inappropriate…  ·  Admin →
  20. Bug in calculation

    I put in the following values:
    Current annual income: 434782
    Current annual savings: 334782
    Current annual expenses: 100000
    Current savings rate: 76% (calculates automatically)
    Current portfolio value: 850000

    It says I can retire in 4.3 years. If I add ONE dollar to annual income and recalculate it says i can retire in 3.8 years with a 78% savings rate. That's a huge jump for 1 dollar.

    As another example if I put in 400,000 for income it now says I can retire in 4.1 years. Meaning that making over 30,000 less would result in an earlier retirement date.

    4 votes
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    3 comments  ·  Flag idea as inappropriate…  ·  Admin →
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