Expenses

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					60        Categories                Description                      Annual   Monthly $500,000 = Initial (current) Portfolio Initial Withdrawal Rate = 5.6%
61             House Taxes                                           $3,000      $250  $501,147
62                                                                                                $600,000               Your Portfolio versus
                       Insurance                                       $530       $44  $501,497
63                     Heat, Electricity, etc.                       $3,000      $250  $500,976
64                     Phone                                           $600       $50  $499,506   $500,000
65                     Fixing, Improving                               $500       $42  $497,002
66                     House Supplies                                $1,200      $100  $493,373
                                                                                                  $400,000
67                     Miscellaneous                                   $500       $42  $488,523
68                 Car Insurance                                       $650       $54  $482,349
69                     Gas                                           $1,500      $125  $474,739   $300,000
70                     Licence                                          $50        $4  $465,577
71                     Maintenance                                     $350       $29  $454,735
                                                                                                  $200,000
72               Food total (for two)                                $4,800      $400  $442,079
73                Pets Food                                            $240       $20  $427,466
74                     Licence                                          $24        $2  $410,742   $100,000
75                     Vet                                             $100        $8  $391,744
76           Personal Clothing                                         $500       $42  $370,296
77                                                                     $350       $29  $346,213         $0
                       Medical, drugs, etc .
78                     Dental                                          $300       $25  $319,295             60 62 64 66 68 70 72 74 76
79                     Magazines, newspaper                             $50       4.17 $289,332
80                     Credit Card                                      $65        $5  $256,098          Your Current Age =       60
81                     Miscellaneous                                 $1,800      $150  $219,352     Annual Inflation Rate =       3%
82             Charity                                                 $500       $42  $178,837       Tax on Withdrawals =       30%
83           Luxuries Travel (airfare, etc.)                         $2,000      $167  $134,282      Tax on Other Income =       30%
84                     Entertainment                                   $900       $75  $85,394    Return on Investments =         6%
85                     Gifts (kids, etc.)                              $500       $42  $31,865                                 Annual
                       Personal                                      $1,200      $100           After-tax Income Required = $32,209
                       Other                                         $2,000      $167            Before-tax Other Income = $18,000
             Last Item Save for a Car                                $5,000      $417               After-tax Other Income = $12,600
                      Totals: After-tax Income Required =           $32,209    $2,684  Portfolio withdrawal required = #######
                                        Before-tax Other Income =   $18,000   $1,500


          Put 8 expense categories in column C above … and here… and all the stuff in cells D3 - D30 can be changed to reflect your expe
     1         House      ------------------------------             $9,330      $778
     8             Car    ------------------------------             $2,550      $213
     12          Food     ------------------------------             $4,800      $400
     13           Pets    ------------------------------               $364       $30
     16      Personal     ------------------------------             $3,065      $255
     22        Charity    ------------------------------               $500       $42
     23      Luxuries     ------------------------------             $6,600      $550
     28      Last Item    ------------------------------             $5,000      $417
                                                                    $32,209    $2,684


                 House    ------------------------------              29.0%
                    Car   ------------------------------               7.9%
                  Food    ------------------------------              14.9%
                   Pets   ------------------------------               1.1%
              Personal    ------------------------------               9.5%
                Charity   ------------------------------               1.6%
               Luxuries   ------------------------------              20.5%
              Last Item   ------------------------------              15.5%
              TOTALS      ------------------------------             100.0%
   Initial Withdrawal Rate = 5.6%

our Portfolio versus Your Age




              76 78 80 82 84




                Monthly
                $2,684
                $1,500
                $1,050
                $2,334


an be changed to reflect your expenses
                                                                                                 Fill in the stuff within a          red box
                              Note the total annual OR monthly requirements* in cells E31 and F31 but not both else you may get an error indicated by *
                           Monthly income other than withdrawals from your portfolio goes in cell F33 ( Other income might be government pension, etc.)
                                                      Initial (current) portfolio value goes into cell G2
   Your portfolio increases at a fixed Return percentage and your withdawals increase with Inflation.
                                           Gaze in awe and amazement at the chart of your portfolio.
  35%                                                                                     $900
                                             Expense Categories                                                                               Expense Categories
                                                                                                 $778
         29.0%                                                                            $800
  30%
                                                                                          $700
  25%                                                                                                                                                         $550
                                                                 20.5%                    $600
  20%                                                                                     $500                                                                            $417
                                                                             15.5%                               $400
                          14.9%                                                           $400
  15%
                                                                                          $300                                          $255
                                          9.5%                                                            $213
  10%              7.9%
                                                                                          $200
   5%                                                                                     $100                            $30                       $42
                                  1.1%                1.6%
   0%                                                                                       $0




                                                                                                                              Pets




                                                                                                                                                    Charity
                                                                                                           Car
                                                                                                  House




                                                                                                                   Food




                                                                                                                                         Personal




                                                                                                                                                               Luxuries


                                                                                                                                                                           Last Item
                    Car




                                   Pets




                                                                              Last Item
                                           Personal


                                                       Charity
           House




                           Food




                                                                  Luxuries




Note: You may change the 8 Expense Categories in cells C37 - C44 but type these into the appropriate cells C3 - C30 as well.
    You can also change the details of the expense items in column D (example: under the Food category in column C you can put Beer in column D)
  * You can type in BOTH annual and monthly expenses if you like, but ANNUAL must be 12*MONTHLY, eh?
ou may get an error indicated by *
ght be government pension, etc.)




cells C3 - C30 as well.
u can put Beer in column D)

				
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