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Excel would work nicely
Just assume 8% for market and then you can probably do optimistic and pessimistic scenarios as well. You can run simulations in excel pretty easily too if you wanted to take it up a notch
The easy way is to add up all current values and do it as 1 big projection with an average return. Im not a Ramsey-stan, but I like their calculator
https://www.ramseysolutions.com/retirement/investment-calculator
Rising Star
I do this myself with excel. I take my existing equities and grow them at 7%. I add a fixed sum each year for additional investment and grow that at 7%. I grow my RSUs by 5%. I grow my home value by 3%. I grow my cash by 0%.
Rising Star
I guess. I mean, I don’t estimate what the CPI index will look like in 12 years and discount back.
I figure thats easy enough to do on the back end if I wanted to - $6M throwing off $240k/year in 2034 dollars is roughly $170k in 2022 dollars assuming 4% inflation. See how easy that is?
But I account for that a little bit by way of being modestly conservative in my rates of appreciation.
Fidelity has this. Call them
This is a good one to play with. Can modify most of the assumptions. https://engaging-data.com/will-money-last-retire-early/
Personal Capital and Mint do this, poorly.
PC includes tax advantaged calculations, which is better than Mint.