Early Retirement Tracker – February 2021

Here is my retirement estimate for February 2021, based on January’s net worth. Purchasing the house has put a big dent in my liquid cash, so this estimate is probably going to be a bit of a regression. In the long term, I think that a stable housing price is very beneficial to early retirement.

A reminder of the three ways I will track my progress:

  1. The first way will actually be with a simple excel calculator that I made. I’ll plug in my current monthly expenses, savings rate, and net worth. And the calculator will say just how long I have until retirement. Maybe it will say that I can retire tomorrow?
  2. The second way I’ll be calculating this is through an equation and the help of Wolfram Alpha.
  3. The third and final way I’ll be calculating my early retirement date is with the help of Mad Fientist Laboratory. I’ll input expenses, savings, and net worth and let his calculations do the rest of the work.

Retirement estimation based on 4% market growth:

Retirement estimation based on 7% market growth:

Stalling out and losing a little progress this month, but nothing too extreme. I was expecting this anyways with the drop in cash.

Retirement estimation if I never save another dollar:

I’m still hovering around 25 years which is nice to see.

Photo by Iewek Gnos on Unsplash

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