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  1. 1 vote
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    • 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?

      1 vote
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      • 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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        • 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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            1 comment  ·  Admin →
          • 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.

            1 vote
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            • 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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              • 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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                • Your security certificate expired

                  Please fix it. This site is great!

                  1 vote
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                  • 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.

                    4 votes
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                    • 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.

                      4 votes
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                      • 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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                        • Manual Years To Save

                          It'd be great if you had the option to select the number of years you wish to save at that rate, and highlight the year you can retire at. I'd like to see when I can hit FIRE, with boosted expenses after I retire. (Spend only 20K leading up, but see where I can spend 40K in RE on the chart)

                          1 vote
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                          • Calculate my retirement age

                            It'd be fun if you could enter your current age and it spat out the age you would retire, instead of the number of years till retirement!

                            1 vote
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                            • 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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                                1 comment  ·  Admin →
                              • 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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                                • Incorporate run-down of assets, which would reduce required assets substantially.

                                  while it is nice in theory to be able to live entirely off of the returns your portfolio generates, it is impractical for 99 percent of the population. Most people will need to plan on some run-down of assets in their later years, which substantially reduces the assets one needs to retire. If you want, you could make your calculator include a "desired bequest" amount in order to preserve some capital for future generations.

                                  1 vote
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                                    1 comment  ·  Admin →
                                  • when can i retired

                                    i think that ROI isn´t calculated well

                                    1 vote
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                                    • Your certificate expired.

                                      Please renew it.

                                      2 votes
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                                        1 comment  ·  Admin →
                                      • Fix Sign-up and Log In forms

                                        There is currently no way to retrieve a forgotten password attached to an email address.

                                        Also, the log-in/sign-up forms do not dot out the passwords - they are left visible.

                                        1 vote
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                                        • take into account inflation somewhere.

                                          My expenses entered are the same year after year. shouldn't they increase by about 3% a year. Or is this somehow balanced with you not including expected wage increases in salary

                                          6 votes
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