Coming Soon ... Premium Version

Soon you will be able to upgrade to our premium version for more adjustable inputs and retirement simulations for all periods, see sample screenshots under development.

If you click the Enter Detailed Expense on the Retirement Input tab, you can entire your expected retirement expenses as a percentage of your pre-retirement salary. Often retirement advisors recommend a range of 70% to 80% but we also allow a customized percentage too.

You can also enter two specific expenses like a mortgage payment and when it will end and a second expense, possibly tuition expenses, and when it will end too.

See Retirement Input screenshot below. First you select your expected number of years your retirement resources must last. Then input your estimated TSP/401K balance at retirement and your expected pre-retirement high-three average salary. Then select your state income tax rate.

After that you can enter specific expenses, like a mortgage payment, that may end during retirement. You can also enter specific pension and social security info. And finally you can add up to two additional revenue streams, like rental property or dividends.

The Retirement Summary page uses your Retirement Input assumptions and calculates your expected retirement expenses. It then calculates your after-tax social security and pension benefits and estimates how much of your TSP/401k you need to sell to meet your remaining retirement expenses.

In the example, the annual pre-tax TSP withdrawal is $79,285 to cover your remaining after-tax needs each year for P2. Our application estimates your federal/state tax rate which helps us estimate your pre-tax TSP/401k sales.

One key feature of our app is that it estimates the cost of a TSP annuity that would your net cash needs for your retirement. It is sophisticated and includes the cost of the TSP annuity based on current TSP annuity rates and the cash you need to cover expenses.

In the example below, the cost of the TSP annuity for all four periods, over your 25 year retirement, is $944,010 and is more than you have in your TSP, that is, $750,000. If you click the "Try Another Way" tab our app will estimate whether a $750,000 investment in the S&P 500 would generate enough income to cover your expenses.

Our app allows you to click on any of the 25-year periods since 1928 and see if the S&P 500 returns for each year within that 25-year period would have successfully covered your retirement expenses, after including your social security and pension income.

Our app provides you flexibility to observe these 25-year simulation return details in chronological order, from best to worst, and from worst to best. These tabs also show you how much you have left in your TSP at the end or alternatively the year in which you run out!

The Simulation Results tab shows that the $750,000 TSP investment in the S&P 500 would only cover your estimated retirement expenses in 33 out of the 73 periods since 1928.

The example below shows you that if the next 25 year annual returns of the S&P 500 were the same as from 1981 to 2006, you could retire, just barely. The details shows your withdrawal to cover expenses of $109k and a negative S&P 500 return of 9.7% for 1981. By clicking "All 73 Simulations by Period" you get the details of each of the 73 simulations!