Available at the App Store and Google Play™

**So, what does it take to get to your end game?**

Here is the calculator which gives you the answer.

**First Section:**

You decide—when do you want to retire? 1-40 years

Let’s say—40 years.

And then—

**Option #1**

You get to name your retirement goal

$100,000

$200,000

$500,000

Or $1,000,000

Let’s say–$1,000,000

The calculator says that you will need to invest:

$16,240 a year if you expect an after-tax return of 2%,

$7,890 a year at a 5% return,

$3,580 a year at an 8% return,

And $2,060 at a 10% return.

Quickly, change your plans—

If you want to retire in 20 years, with $500,000, then plan to invest $20,175 each year at 2%, $14,405 at 5%, $10,120 at 8%, or $7,940 at 10%.

**Option #2**

You choose your annual income

$25,000

$50,000

$80,000

Or $100,000

You decide on $100,000

Now decide your Rate of Return:

At 2%, the calculator says you must accumulate $5,000,000 and your yearly required investment is $81,200.

At 5%, you must accumulate $2,000,000 and your yearly required investment is $15,780.

At 8%, you must accumulate $1,250,000 and your yearly required investment is $4,475.

At 10%, you must accumulate $1,000,000 and your yearly required investment is $2,060.

In a matter of moments, you can change your mind as to:

1. When you want to retire

2. How much you want to retire with

3. How much you want for an annual income

4. Your Rate of Return %.

And get your new retirement investment requirement.

**Second Section:**

Want to get a little more precise? Maybe you want to take a little more risk when you are investing and go for an 8% return but you want to get a little more conservative and count on a 5% return when you start withdrawing your retirement income. You get to choose your investment return % and your withdrawal return %.

Choose your retirement date—

1-40 years

Let’s say 35 years

Choose your Yearly Desired Income—

$25,000, $50,000, $80,000, or $100,000

Let’s say $50,000

Now choose your expected annual % return during your investment years—

2%-10%

Perhaps you want to go a little riskier in your investing years—8%.

And then choose your expected annual % return during your withdrawal years—

2%-10%

Maybe this is the time to be a little more conservative—5%.

What does the App Calculator say?

“If you invest $5,380 for 35 years, at 8%, you will accumulate about $1,000,000. Assuming an Annual Retirement Return of 5% (after-tax), you can withdraw $50,000 each year without disturbing your principal.”

Want to change your mind? No problem. Have at it.

**Third Section:**

What is “Future Value”?

Every dollar has a “future value”. If you want to Retire ASAP, you must take into account the future value of every dollar you spend. You may be choosing between a “stay-cation” or a trip to the South Pacific. The cost difference is $10,000 this year.

However, if you invest that $10,000 instead, in 40 years, you would have:

$22,100 at a 2% return,

$70,400 at 5%,

$217,200 at 8%, or

$452,600 at 10%.

So your real cost might very well be somewhere between $217,000 and $452,000. Food for thought.

Input any discretionary choices into the Future Values calculator and get an idea of how much that unnecessary expense is really going to cost you.