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WARNING: This program can only estimate the status of your financial retirement. Do not assume that every thing will actually turn out as projected from the your data. Consider all results with "a grain of salt" as they are based upon your estimate of future average annual CPI (Consumer Price Index), savings rates, and expenses. There are infinite variations of your data which can produce infinite variation of results, some of which will be quite "glowing" and others will be quite "depressing".
The program user assumes all risks for future actions taken based upon the program calculations. Please Discalimer for more detailed information. |
I originally wrote this program in 1989 to analyze my own retirement. I used the program for two years to estimate my retirement situation and, with the results in hand, I retired earlier than planned, i.e. when I was not quite 60 years old.
Since retiring I have seen the CPI and savings percentages change quite a bit, e.g. saving rates dropped as low as 1% and have gone up to over 5%. My estimated savings after retirement have not tracked according to the 1990 program calculations, i.e. have not increased as projected. But neither have they decreased even though I have take over 20% out for various reasons since I retired in 1991. My projections for CPI and savings rates were to high but my estimates for after retirement expenses were "on the money". So, after 16 years of retirement, I am very satisfied with the program's analysis produced in 1991.
In 2007 I updated and re-wrote the program in Visual Basic to include more input data, which would give a better estimate your financial retirement. Also, I allowed the calculation of the effect of moving costs at retirement, replacement of various capital expenditures such as cars, heating and air condition units, roofs, and more.
The program has been tested by several people with their actual data. They found they could retire earlier than they anticipated.
Analyze Your Retirement can "look" at your current plans for retirement, which should include:
The program will, given certain data (see INPUT DATA), project your adjusted income, savings, and expenses from now until you either (a) run out of retirement funds or, (b) reach the age of 95.
If, after reading the program details, FEATURES, OUTPUT/ANALYSIS, you can try the program for free. Use the DOWNLOAD link above. Unzip the file, install it, and run the sample case to see the input/output. The start your own data file by Input A New
If the program is satisfactory to you, i.e. it gives you, in your opinion, a reasonable estimation of when you can retire, then please send me a donation of $10.00 or any amount you wish. I have put a great deal of work into this program and it has been tested by several people under the age of 50. They all agree that the program gives then an "eye opening" indication as to when they might retire.
Analyze Your Retirement requires a great deal of input data. You can go to http://moneycentral.msn.com/retire/planner.aspx and get a "quick & dirty" estimation of your retirement situation. Or use Google to search for "Calculate Retirement".