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Old 22.01.2020, 11:45
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Early Retirement calculation sheet

Dear all,

I'm looking for a "SWISSED" Early Retirement sheet. When I google it I can only find the ones with reference values of tax system / brokerage fees / school system etc of other countries, mostly US.

Would you have anything that I could start from? I do have my own but it's overly simplistic and the devil is on the detail for such a long term subjects.

Any help is appreciated.

Cheers.
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Old 22.01.2020, 11:55
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Re: Early Retirement calculation sheet

See here for AVS (1st pillar) and other info and contact your company's LPP (2nd pillar) provider for details of your rights to early retirement and a calculation of that.
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Old 22.01.2020, 14:00
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Re: Early Retirement calculation sheet

Thanks a lot, but that's not exactly what I'm looking for.

By Early Retirement I meant outside of the 3-Pillars structure.

I'm looking for a spreadsheet to help me calculating how much I have to save monthly to accumulate 25x my annual expenses and from them reach the 4%aa rate to live from dividends/asset growth.

As an example that is valid for US I found helpful spreadsheets on this post on B.I. but they are US-specific (have a look at "monster-retirement-budget" sheet).

https://www.businessinsider.com/i-bu...7?r=US&IR=T#-6

Thanks
Kleber.
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Old 05.06.2021, 15:56
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Re: Early Retirement calculation sheet

Did you ever find a calculator? I‘m also curious…
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Old 05.06.2021, 23:52
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Re: Early Retirement calculation sheet

I'm not sure what you are asking for, but if you are looking for an estimation of how the compound interest on your savings would bring you to your goal you can use a mortgage calculation Put what you want (the 25x of your expenses) as the loan value, what you have as the down payment, percentage as the expected growth of your savings, put loan term and you'll get a good estimation how much you have to save per month

For example: https://www.mortgagecalculator.org/

Anyway that's interesting, indeed 4% of 25x your yearly expenses brings a sustainable living. However do mind that your expenses are likely to change so plan some reserve. Next do plan that some years you might not get 4% growth of your assets. Next, obviously plan ahead for inflation, in 10 or 20 years your money would be less worth than today. IMHO, your plan is fine if you aim for 2x living expenses you really need and accept that you might gradually lower your living standards over the years. BTW, keep in mind that anyway you are going to get some retirement pension at some point so include it in your calculation. I wish you a great RIP (retirement in progress), good luck!
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Old 06.06.2021, 08:29
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Re: Early Retirement calculation sheet

You should also be aware that when you finish working there are a number of items on your tax return that you can no longer claim - travel, clothes, etc...
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