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Bob's Retirement Planning Worksheet

Created by
Created on

Parameters
Current income 116,000
Current savings in Retirement Fund 167000
Employer's savings rate 10%
Bob's contribution rate 9500
Age 46
Return on assets
pre-retiremment return 8%
post_retirement return 4%
percentage of final income spent 70%
income growth rate 4%
Decision
savings rate 5%

Model
Age Income
46 116000
47 120640
48 125465.6
49 130484.224
50 135703.59296
51 141131.73668
52 146777.00615
53 152648.08639
54 158754.00985
55 165104.17024
56 171708.33705
57 178576.67053
58 185719.73735
59 193148.52685
60 200874.46792
61 208909.44664
62 217265.8245
63 225956.45748
64 234994.71578
65 244394.50442
66 254170.28459
67 264337.09598
68
69
70
71
72
73
74
75
76
77
78
79
80

Sensitivity Analysis
398515.23278
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%

Tornado Chart
low
Pre-retirement rate of return (7-9%) 143986.99766
Post retirement rate of return (4-6%) 398515.23278
savings rate (4-6%) 260159.6463
income growth rate (3-5%) 1054490
percentage of final income spent (60-80%) 501206
Savings out of income Retirement Assets pre-retirement consumption post retirement
17400 167000
18096 198456
18819.84 233152.32
19572.6336 271377.1392
20355.538944 313442.84928
21169.76050176 359688.03772416
22016.5509218304 410479.631663923
22897.2129587036 466215.215155741
23813.1014770518 527325.533845252
24765.6255361338 594277.202089006
25756.2505575792 667575.628813706
26786.5005798824 747768.179698685
27857.9606030777 835447.594677657
28972.2790272008 931255.681279071
30131.1701882888 1035887.30596969
31336.4169958203 1150094.70744308
32589.8736756532 1274692.15771418
33893.4686226793 1410560.99895399
35249.2073675865 1558655.0862379
36659.1756622899 1720006.66879922
38125.5426887815 1895732.74499194
39650.5643963328 2087041.92898763
185035.967182886
185035.967182886
185035.967182886
185035.967182886
185035.967182886
185035.967182886
185035.967182886
185035.967182886
185035.967182886
185035.967182886
185035.967182886
185035.967182886
185035.967182886

25%

20%

15%
Column C
Column B
10%

5%

0%
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

percentage of final income spent (60-80%)


high
1259971.87358746
957636 income growth rate (3-5%)
536870.8192
159503 savings rate (4-6%) high
814573 low
Post retirement rate of return (4-6%)

Pre-retirement rate of return (7-9%)

1500000 1000000 500000 0


Pre-retirement rate of return (7-9%)

1500000 1000000 500000 0


Retirement assets post retirement

1985487.63896425
1879871.17733993
1770030.05725064
1655795.29235778
1536991.13686921
1413434.81516109
1284936.24058465
1151297.72302515
1012313.66476327
867770.244170912
717445.086754862
561106.92304217
398515.232780971

Column C
Column B

of final income spent (60-80%)

wth rate (3-5%)

(4-6%) high
low
ent rate of return (4-6%)

nt rate of return (7-9%)


nt rate of return (7-9%)
price/cup 8 Goal Seek to know the breakeven point of selling how many cups
no. of cups 2000
revenue 16000
unit cost 3
fixed cost 10000
profit 0

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