Early Retirement Feasibility Calculator

Early Retirement Feasibility Calculator

Your Profile & Goals

Plan for funds to last until this age.

Savings & Investments

How much you add to your savings/investments each year.
Average annual growth of your investments before you retire.
Average annual growth of your investments after you retire (often more conservative).

Retirement Expenses & Inflation

How much you estimate you'd spend per year in retirement, in today's dollars.
Average rate at which cost of living is expected to increase.

Feasibility Analysis

Your early retirement feasibility analysis will appear here.

Total Projected Nest Egg at Retirement (age ${data.desiredRetirementAge}): $${data.totalNestEggAtRetirement.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2})}


Estimated First-Year Annual Expenses at Retirement (age ${data.desiredRetirementAge}, future dollars): $${data.firstYearRetirementExpenses.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2})}

For reference, a 4% rule suggests a target nest egg of: $${data.fourPercentRuleTarget.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2})}


Feasibility:

${feasibilityMessage} `; } catch (error) { resultsDiv.innerHTML = `

An error occurred during calculation: ${error.message}. Please check your inputs.

`; console.error(error); } } // --- PDF Generation --- function erfc_generatePdf() { const data = erfc_calculateAnalysis(); if (!data) { alert("Cannot generate PDF due to input errors. Please check the analysis tab."); return; } const { jsPDF } = window.jspdf; const doc = new jsPDF(); let yPos = 20; const primaryColor = getComputedStyle(document.documentElement).getPropertyValue('--primary-color').trim(); const accentColor = getComputedStyle(document.documentElement).getPropertyValue('--accent-color').trim(); const dangerColor = getComputedStyle(document.documentElement).getPropertyValue('--danger-color').trim(); const textColor = getComputedStyle(document.documentElement).getPropertyValue('--text-color').trim(); const toCurrency = (num) => `$${num.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2})}`; doc.setFontSize(20); doc.setTextColor(primaryColor); doc.text("Early Retirement Feasibility Analysis", doc.internal.pageSize.getWidth() / 2, yPos, { align: 'center' }); yPos += 15; function addSectionTitle(title) { if (yPos > 260) { doc.addPage(); yPos = 20; } doc.setFontSize(14); doc.setTextColor(primaryColor); doc.text(title, 14, yPos); yPos += 8; doc.setFontSize(10); doc.setTextColor(textColor); } function addDataRow(label, value) { if (yPos > 275) { doc.addPage(); yPos = 20; } doc.text(`${label}:`, 14, yPos); doc.text(String(value), 100, yPos); yPos += 7; } addSectionTitle("Your Profile & Goals"); addDataRow("Current Age", `${data.currentAge} years`); addDataRow("Desired Retirement Age", `${data.desiredRetirementAge} years`); addDataRow("Life Expectancy", `${data.lifeExpectancy} years`); addDataRow("Years to Retirement", `${data.yearsToRetirement} years`); addDataRow("Required Retirement Duration", `${data.yearsInRetirement} years`); addSectionTitle("Savings & Investments Inputs"); addDataRow("Current Savings/Investments", toCurrency(data.currentSavingsBalance)); addDataRow("Annual Savings Amount", toCurrency(data.annualSavingsAmount)); addDataRow("Pre-Retirement Return Rate", `${data.preRetirementReturnRate.toFixed(2)}%`); addDataRow("Post-Retirement Return Rate", `${data.postRetirementReturnRate.toFixed(2)}%`); addSectionTitle("Retirement Expenses & Inflation Inputs"); addDataRow("Current Annual Retirement Expenses (Today's $)", toCurrency(data.currentAnnualRetirementExpenses)); addDataRow("Expected Annual Inflation Rate", `${data.inflationRate.toFixed(2)}%`); addSectionTitle("Projected Financials at Retirement (Age " + data.desiredRetirementAge + ")"); addDataRow("FV of Current Savings", toCurrency(data.fvCurrentSavings)); addDataRow("FV of Annual Savings", toCurrency(data.fvAnnualSavings)); addDataRow("Total Projected Nest Egg", toCurrency(data.totalNestEggAtRetirement)); addDataRow("Est. First-Year Retirement Expenses (Future $)", toCurrency(data.firstYearRetirementExpenses)); addDataRow("Target Nest Egg (4% Rule)", toCurrency(data.fourPercentRuleTarget)); addSectionTitle("Retirement Feasibility"); if (data.yearsFundLasts >= data.yearsInRetirement) { doc.setTextColor(accentColor); addDataRow("Projected Fund Longevity", `Approx. ${data.yearsFundLasts} years (Meets or Exceeds Goal)`); } else { doc.setTextColor(dangerColor); addDataRow("Projected Fund Longevity", `Approx. ${data.yearsFundLasts} years (Potential Shortfall of ${data.yearsInRetirement - data.yearsFundLasts} yrs)`); } doc.setTextColor(textColor); doc.save('early_retirement_feasibility.pdf'); } // Initialize document.addEventListener('DOMContentLoaded', () => { erfc_showTab(0); // Default values are set in the HTML. });
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