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Thread: Looking for retirement calculator

  1. #1

    Join Date
    Dec 2012
    Location
    Illinois
    Posts
    827

    Default Looking for retirement calculator

    Im trying to find a really great FREE online retirement calculator. I have seen a couple different ones but none seem to take into account all the variables i am looking at.

    age today
    age of retirement
    current salary
    expected salary increases per year
    amount in savings
    expected rate of return
    ssi
    401k or other savings
    expected rate of return
    pension
    Expected rate of inflation
    Other monthly benefits
    length of expected retirement
    expected healthcare costs

    so on and so forth.

    all factors should be able to be adjusted up or down.

    i have tried sites at SS, bankrate and vanguard. And a few others i looked at but all are missing things.
    11.80% for 2012, 24.79% for 2013, -5.13% for 2014 , 4.94% for 2015 WTF?, -0.04% for 2016 , 13.09% for 2017======= 8.23% , Moved to Vanguard in 2018


  2.  
  3. #2

    Join Date
    Feb 2007
    Location
    San Diego, CA
    Posts
    6,999

    Default Re: Looking for retirement calculator

    Quote Originally Posted by rktect1 View Post
    Im trying to find a really great FREE online retirement calculator. I have seen a couple different ones but none seem to take into account all the variables i am looking at.

    age today
    age of retirement
    current salary
    expected salary increases per year
    amount in savings
    expected rate of return
    ssi
    401k or other savings
    expected rate of return
    pension
    Expected rate of inflation
    Other monthly benefits
    length of expected retirement
    expected healthcare costs

    so on and so forth.

    all factors should be able to be adjusted up or down.

    i have tried sites at SS, bankrate and vanguard. And a few others i looked at but all are missing things.
    Before saying, "write your own in Excel!" Do you use Quicken or the likes?
    THIS IS WHERE I WOULD PUT SOMETHING TO REPRESENT MY THINKING, BUT THEN THEY SHOW UP!
    Tracker =
    Check my position

  4.  
  5. #3

    Default Re: Looking for retirement calculator

    Quote Originally Posted by rktect1 View Post
    Im trying to find a really great FREE online retirement calculator. I have seen a couple different ones but none seem to take into account all the variables i am looking at.

    age today
    age of retirement
    current salary
    expected salary increases per year
    amount in savings
    expected rate of return
    ssi
    401k or other savings
    expected rate of return
    pension
    Expected rate of inflation
    Other monthly benefits
    length of expected retirement
    expected healthcare costs

    so on and so forth.

    all factors should be able to be adjusted up or down.

    i have tried sites at SS, bankrate and vanguard. And a few others i looked at but all are missing things.
    Try wells fargo retirement calculator, it doesn't have expenses, but it allows for at least 5 sources of income with varying start and end date...almost everything on your list.

    https://www.wellsfargo.com/investing...etirement-plan

    use the public version of My Retirement Plan. With the public version, you can’t save your plan online, but you can access the tool’s other features.
    you can choose not to sign on...
    Last edited by Maricar19; 03-27-2015 at 01:10 PM.

  6.  
  7. #4

    Join Date
    Feb 2011
    Location
    Washington
    Posts
    9,583

    Default Re: Looking for retirement calculator

    Quote Originally Posted by Frixxxx View Post
    Before saying, "write your own in Excel!" Do you use Quicken or the likes?
    Ouch, that sounds painful...
    Rules:
    - Trade what you see, not what you believe
    - Don't put stuff in your signature that a Mod doesn't like

    "Government exists to protect all people’s rights, not some people’s feelings." - A. Barton Hinkle

    Great Tools:
    http://www.CreditKarma.com
    http://www.Mint.com
    http://www.SaveUp.com/r/nmJ

  8.  
  9. #5

    Join Date
    Dec 2012
    Location
    Illinois
    Posts
    827

    Default Re: Looking for retirement calculator

    Quote Originally Posted by Frixxxx View Post
    Before saying, "write your own in Excel!" Do you use Quicken or the likes?
    Nope. It would be great if someone here wrote one in excel. That would save loads of time. I'm not that adept at it.
    11.80% for 2012, 24.79% for 2013, -5.13% for 2014 , 4.94% for 2015 WTF?, -0.04% for 2016 , 13.09% for 2017======= 8.23% , Moved to Vanguard in 2018

  10.  
  11. #6

    Join Date
    Aug 2008
    Location
    Pensacola, FL
    Posts
    6,312

    Default Re: Looking for retirement calculator

    Quote Originally Posted by rktect1 View Post
    Nope. It would be great if someone here wrote one in excel. That would save loads of time. I'm not that adept at it.
    I hear RMI is really good with Excel

  12.  
  13. #7

    Default Re: Looking for retirement calculator

    Fidelity has the best one I've found. Lots of inputs and quite detailed.

  14.  
  15. #8

    Default Re: Looking for retirement calculator

    RK,

    Just a thought...you MIGHT ask your HR people that question ! I know, that sounds totally wrong, and my memory is sketchy, BUT I once worked for an Agency that paid the annual subscription for employee access to a commercial retirement calculator !

    Wouldn't hurt to at least ask !

    Back in the day, there were also some useful calculators that were "unofficial", but posted by the US Geological Survey...you had to dig for them a little (pun intended ! ), but they were easy to use. I just now "googled" them, and was surprised to find a pretty comprehensive list of calculators here :

    USGS Benefits Calculators

    May not be the comprehensive stuff you're looking for, but MAY be helpful !


    Stoplight...
    "Too old to rock and roll...too young to die"... - I. Anderson

  16.  
  17. #9

    Default Re: Looking for retirement calculator

    Quote Originally Posted by Stoplight View Post
    RK,

    ...Back in the day, there were also some useful calculators that were "unofficial", but posted by the US Geological Survey...you had to dig for them a little (pun intended ! ), but they were easy to use. I just now "googled" them, and was surprised to find a pretty comprehensive list of calculators here :

    USGS Benefits Calculators

    May not be the comprehensive stuff you're looking for, but MAY be helpful !


    Stoplight...
    BAH HUMBUG ! Like I said...back in the day, they had a retirement calc program that was obviously developed by employees with too much time on their hands...probably some Excel whizzes !!! It never got "official" recognition by USGS, but was available, nonetheless. Now, I click on the site links, and get carried away to all the "official" FERS/OPM/SS web sites...so much for the "little Guy"...


    Stoplight...
    "Too old to rock and roll...too young to die"... - I. Anderson


  18.  
  19. #10

    Default Re: Looking for retirement calculator

    Rktext1, try State Farm Returement Calculator
    https://www.calculatemyretirement.com/Start.aspx
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  20.  
  21. #11

    Join Date
    Dec 2007
    Location
    inland Northwest
    Posts
    4,124

    Default Re: Looking for retirement calculator

    Quote Originally Posted by Stoplight View Post
    BAH HUMBUG ! Like I said...back in the day, they had a retirement calc program that was obviously developed by employees with too much time on their hands...probably some Excel whizzes !!! It never got "official" recognition by USGS, but was available, nonetheless. Now, I click on the site links, and get carried away to all the "official" FERS/OPM/SS web sites...so much for the "little Guy"... Stoplight...
    USGS had a fantastic tsp calculator back in the day. I had it bookmarked and played with it, it was way better than the one my agency has, even tho the agency version is pretty good these days. I was pretty unhappy when the USGS one disappeared, never knew it was unofficial.

  22.  
  23. #12

    Join Date
    Dec 2012
    Location
    Illinois
    Posts
    827

    Default Re: Looking for retirement calculator

    Thanks for the responses. I think the state farm one was quite nice.
    11.80% for 2012, 24.79% for 2013, -5.13% for 2014 , 4.94% for 2015 WTF?, -0.04% for 2016 , 13.09% for 2017======= 8.23% , Moved to Vanguard in 2018

  24.  
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