**UPDATE: April 2020: I’ve updated the market data to include annual data up to and including 2019.
I also fixed a small bug which affected real stock market returns so you may see a very slight reduction in real average returns and success rates.**

This early retirement calculator / visualizer is designed to project the number of years until you can retire, based upon a few key inputs such as annual income and spending, income growth rate, expected annual spending in retirement and asset allocation. It is a **pre-retirement** calculator that is useful before you retire to get a sense of how many years it is likely to take to * accumulate enough money to retire*. The three primary modes that are available in the early retirement calculator are: (1) constant, single fixed-percentage real return rates, (2) historical series of real returns are applied to account for likely variability in future returns and (3) monte carlo simulation of the variable returns based upon user-specified input parameters.

**This interactive calculator was built to let you play with the inputs and help you understand how **** savings rate** and

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**UPDATE: April 2020: I’ve updated the market data to include annual data up to and including 2019.
I also fixed a small bug which affected real stock market returns so you may see a very slight reduction in real average returns and success rates.**

**I added a simple spending flexibility parameter that allows you to specify how much you could reduce spending when your portfolio is below a certain threshold (in this case, your original retirement amount (inflation adjusted)).**

One of the key issues with retiring is the question of outliving your money. This is also known as **Longevity Risk** and is especially important if you want to retire early, since your retirement could be 50 years long (or more). This interactive * post-retirement* calculation and visualization looks at the question of whether your retirement savings can last long enough to support your retirement spending and combines it with average US life expectancy values to get a fuller picture of the likelihood of running out of money before you die.

It helps to answer the question: **If I start out with $X dollars at the beginning of my retirement, will I run out of money before I die?**

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