October 24, 1998
©1998 Larsen
Down load lotus file SPREADSHEET and make your own table.
| PERCENT TO SAVE TO REPLACE 100% OF YOUR INCOME STARTING ATE AGE 65 BASED ON INFLATION @1.5%,LIVE TO 90 | ||||||
| RATE OF RETURN ON ASSETS | ||||||
| AGE | 5% | 6% | 7% | 8% | 9% | 10% |
| 21 | 16.6% | 11.5% | 8.0% | 5.5% | 3.8% | 2.6% |
| 22 | 17.3% | 12.1% | 8.4% | 5.9% | 4.1% | 2.8% |
| 23 | 18.1% | 12.8% | 9.0% | 6.3% | 4.4% | 3.1% |
| 24 | 19.0% | 13.4% | 9.5% | 6.7% | 4.7% | 3.3% |
| 25 | 19.8% | 14.2% | 10.1% | 7.2% | 5.1% | 3.6% |
| 26 | 20.8% | 14.9% | 10.7% | 7.7% | 5.5% | 3.9% |
| 27 | 21.8% | 15.8% | 11.4% | 8.2% | 5.9% | 4.3% |
| 28 | 22.8% | 16.6% | 12.1% | 8.8% | 6.4% | 4.7% |
| 29 | 23.9% | 17.6% | 12.9% | 9.4% | 6.9% | 5.1% |
| 30 | 25.1% | 18.6% | 13.7% | 10.1% | 7.5% | 5.5% |
| 31 | 26.4% | 19.6% | 14.6% | 10.9% | 8.1% | 6.0% |
| 32 | 27.7% | 20.8% | 15.6% | 11.7% | 8.7% | 6.6% |
| 33 | 29.2% | 22.0% | 16.6% | 12.5% | 9.5% | 7.2% |
| 34 | 30.7% | 23.3% | 17.7% | 13.5% | 10.2% | 7.8% |
| 35 | 32.4% | 24.8% | 18.9% | 14.5% | 11.1% | 8.5% |
| 36 | 34.2% | 26.3% | 20.2% | 15.6% | 12.0% | 9.3% |
| 37 | 36.1% | 27.9% | 21.7% | 16.8% | 13.1% | 10.2% |
| 38 | 38.2% | 29.7% | 23.2% | 18.1% | 14.2% | 11.1% |
| 39 | 40.4% | 31.7% | 24.9% | 19.6% | 15.5% | 12.2% |
| 40 | 42.8% | 33.8% | 26.7% | 21.2% | 16.8% | 13.4% |
| 41 | 45.5% | 36.1% | 28.8% | 22.9% | 18.3% | 14.7% |
| 42 | 48.4% | 38.7% | 31.0% | 24.9% | 20.0% | 16.2% |
| 43 | 51.6% | 41.4% | 33.4% | 27.0% | 21.9% | 17.8% |
| 44 | 55.1% | 44.5% | 36.1% | 29.4% | 24.0% | 19.6% |
| 45 | 58.9% | 47.9% | 39.1% | 32.0% | 26.3% | 21.7% |
| 46 | 63.2% | 51.7% | 42.5% | 35.0% | 28.9% | 24.0% |
| 47 | 68.0% | 55.9% | 46.2% | 38.3% | 31.9% | 26.6% |
| 48 | 73.3% | 60.7% | 50.4% | 42.1% | 35.2% | 29.6% |
| 49 | 79.4% | 66.1% | 55.2% | 46.4% | 39.1% | 33.0% |
| 50 | 86.2% | 72.2% | 60.7% | 51.3% | 43.5% | 37.0% |
| 51 | 94.1% | 79.2% | 67.0% | 56.9% | 48.6% | 41.6% |
| 52 | 103.2% | 87.4% | 74.3% | 63.5% | 54.5% | 46.9% |
| 53 | 113.8% | 96.9% | 82.9% | 71.2% | 61.5% | 53.3% |
| 54 | 126.5% | 108.2% | 93.1% | 80.5% | 69.9% | 60.9% |
| 55 | 141.6% | 121.9% | 105.4% | 91.6% | 80.0% | 70.1% |
| 56 | 160.2% | 138.6% | 120.5% | 105.3% | 92.5% | 81.5% |
| 57 | 183.4% | 159.5% | 139.5% | 122.6% | 108.2% | 95.9% |
| 58 | 213.4% | 186.6% | 164.0% | 144.8% | 128.5% | 114.6% |
| 59 | 253.4% | 222.7% | 196.7% | 174.7% | 155.8% | 139.7% |
| 60 | 309.4% | 273.3% | 242.7% | 216.6% | 194.2% | 175.0% |
| 61 | 393.5% | 349.3% | 311.8% | 279.6% | 252.1% | 228.2% |
| 62 | 533.9% | 476.2% | 427.1% | 385.1% | 348.8% | 317.4% |
| 63 | 814.7% | 730.3% | 658.2% | 596.3% | 542.8% | 496.3% |
| 64 | 1657.4% | 1493.0% | 1352.1% | 1230.7% | 1125.6% | 1034.2% |
| AMOUNT TO SAVE PER YEAR TO PROVIDE $10,000 PER YEAR BASED ON INFLATION @1.5%,LIVE TO 90 | ||||||
| RATE OF RETURN ON ASSETS | ||||||
| AGE | 11% | 12% | 13% | 11% | 12% | 16% |
| 21 | 1.8% | 1.2% | 0.8% | 1.5% | 1.5% | 0.3% |
| 22 | 1.9% | 1.3% | 0.9% | 1.7% | 1.6% | 0.3% |
| 23 | 2.1% | 1.5% | 1.0% | 1.8% | 1.8% | 0.4% |
| 24 | 2.3% | 1.6% | 1.2% | 2.0% | 2.0% | 0.4% |
| 25 | 2.6% | 1.8% | 1.3% | 2.2% | 2.2% | 0.5% |
| 26 | 2.8% | 2.0% | 1.4% | 2.5% | 2.4% | 0.5% |
| 27 | 3.1% | 2.2% | 1.6% | 2.7% | 2.6% | 0.6% |
| 28 | 3.4% | 2.5% | 1.8% | 3.0% | 2.9% | 0.7% |
| 29 | 3.7% | 2.7% | 2.0% | 3.3% | 3.2% | 0.8% |
| 30 | 4.1% | 3.0% | 2.2% | 3.6% | 3.5% | 0.9% |
| 31 | 4.5% | 3.3% | 2.5% | 4.0% | 3.9% | 1.0% |
| 32 | 4.9% | 3.7% | 2.8% | 4.4% | 4.3% | 1.2% |
| 33 | 5.4% | 4.1% | 3.1% | 4.8% | 4.7% | 1.4% |
| 34 | 5.9% | 4.5% | 3.5% | 5.3% | 5.2% | 1.6% |
| 35 | 6.5% | 5.0% | 3.9% | 5.9% | 5.7% | 1.8% |
| 36 | 7.2% | 5.6% | 4.3% | 6.5% | 6.3% | 2.0% |
| 37 | 7.9% | 6.2% | 4.9% | 7.2% | 7.0% | 2.3% |
| 38 | 8.8% | 6.9% | 5.4% | 8.0% | 7.8% | 2.7% |
| 39 | 9.7% | 7.7% | 6.1% | 8.8% | 8.6% | 3.1% |
| 40 | 10.7% | 8.5% | 6.8% | 9.8% | 9.5% | 3.5% |
| 41 | 11.8% | 9.5% | 7.7% | 10.8% | 10.6% | 4.1% |
| 42 | 13.1% | 10.6% | 8.6% | 12.0% | 11.8% | 4.7% |
| 43 | 14.5% | 11.8% | 9.7% | 13.4% | 13.1% | 5.4% |
| 44 | 16.1% | 13.3% | 10.9% | 14.9% | 14.6% | 6.2% |
| 45 | 17.9% | 14.8% | 12.3% | 16.6% | 16.3% | 7.2% |
| 46 | 20.0% | 16.7% | 13.9% | 18.6% | 18.2% | 8.3% |
| 47 | 22.3% | 18.7% | 15.8% | 20.8% | 20.4% | 9.6% |
| 48 | 25.0% | 21.1% | 17.9% | 23.3% | 23.0% | 11.1% |
| 49 | 28.0% | 23.9% | 20.4% | 26.3% | 25.9% | 12.9% |
| 50 | 31.6% | 27.1% | 23.3% | 29.7% | 29.2% | 15.0% |
| 51 | 35.7% | 30.8% | 26.7% | 33.7% | 33.2% | 17.6% |
| 52 | 40.6% | 35.2% | 30.7% | 38.3% | 37.8% | 20.6% |
| 53 | 46.4% | 40.5% | 35.5% | 43.9% | 43.3% | 24.3% |
| 54 | 53.3% | 46.8% | 41.3% | 50.6% | 49.9% | 28.8% |
| 55 | 61.7% | 54.6% | 48.4% | 58.7% | 58.0% | 34.4% |
| 56 | 72.2% | 64.2% | 57.3% | 68.8% | 68.0% | 41.5% |
| 57 | 85.4% | 76.4% | 68.5% | 81.6% | 80.7% | 50.5% |
| 58 | 102.6% | 92.2% | 83.2% | 98.3% | 97.2% | 62.4% |
| 59 | 125.7% | 113.6% | 103.1% | 120.7% | 119.4% | 78.5% |
| 60 | 158.3% | 143.8% | 131.2% | 152.3% | 150.8% | 101.6% |
| 61 | 207.6% | 189.5% | 173.7% | 200.1% | 198.3% | 136.6% |
| 62 | 290.1% | 266.2% | 245.3% | 280.2% | 277.8% | 195.8% |
| 63 | 455.8% | 420.3% | 389.1% | 441.1% | 437.5% | 315.1% |
| 64 | 954.3% | 884.2% | 822.3% | 925.2% | 918.1% | 675.2% |
