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I have my own spreadsheet, tailored to my individual needs. It handles the calculations fine.

I still find it easier to wrap my brain around inflation adjusted returns and expenses. The calculations are okay, but I find it difficult to look at a $100K income 18 or 19 years into the future in the same way that I look at the equivalent $60K income today. Whatever works for you, though.

Agreed, that's why I had to build my own!

Good decision. I have yet to find a retirement calculator that was flexible enough.


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