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Right, and I was trying to plan on a 60-80% replacement income being the SWR. It sounds like you'd be saying that's unnecessary, because the SWR is the worst case scenario, but there's a decent chance you're not going to get the worst case scenario, so you can plan on starting out withdrawing...

Alright, so I tried reverse engineering this a little bit. Let's begin with that $100,000 income, and the assumption that I'm shooting for an 80% replacement rate, which would be $80,000. The 4% rule tells me I'll need a nest egg of $2,000,000 to make that happen. In order to wind up with an...

I tried this, and you're right! Thanks for showing me that. Let me pose this question, however: Running that calculation again with a 3.0% inflation rate yields a result of $1,049,777. So is that what the $1,835,188 will be worth in today's dollars? The 4% rule gives us a withdrawal of about...

Ah, gotcha. So, if I'm understanding you correctly, FIRECalc does math including inflation, but it spits out the result in today's dollars? Also, with 1.2M yielding a $49,000 withdrawal, does that mean that the replacement rate for the $100,000 income is only 49%? That seems pretty lousy for an...

Hi there, My name is James, I'm brand new here, and I wasn't sure which forum this would best fit under (I first posted it in Other...sorry). So, I reposted it over here, which seems to be the best fit. I'm 22, and my wife and I are looking into retirement planning. I found FIRECalc, and it's...