Multi-year Budget including Investments

[jndickin]

I hope this is appropriate here . . . I’m sure I’ll find out. ?

I’m looking for a multi year budget template with accommodation for investment accounts. The idea is to be able to run different scenarios on my expenses/investments for the next 10 to 20 years to get an idea how long I’ll be able to stay retired—if or when I might run out of money given investment returns for various scenarios. I’m exhausted from Googling and hoping this forum might have a lead on where I might find something of this sort? I actually put together a version myself a couple years ago but it was very complicated and cumbersome due to the limits of my excel skills.

Ideas?

 

[lokayee]

I did one for myself before. But the plan is differed from persons. Basically, it should include :-

1) Projection for the expenses (e.g. bills) when you retired till you died
2) Projection for the income (e.g. pension, rental income) when you retired till you died
3) Projection for the retirement fund (if any) you have when you retired
4) Don't forget to put an annual increment rate for the expenses and income due to inflation
5) Flexibility of returning various senarios should be considered. In my case, I will consider the timing to sell my investment properties which involved capital gain tax.
6) You also need to consider the asset test limits or income test limit (if any) in your country which will determine how much pension you can get when you retired

Again, different person may have different plan.

Below are the items I projected for your reference.

 

[jndickin]

I did one for myself before. But the plan is differed from persons. Basically, it should include :-

1) Projection for the expenses (e.g. bills) when you retired till you died
2) Projection for the income (e.g. pension, rental income) when you retired till you died
3) Projection for the retirement fund (if any) you have when you retired
4) Don't forget to put an annual increment rate for the expenses and income due to inflation
5) Flexibility of returning various senarios should be considered. In my case, I will consider the timing to sell my investment properties which involved capital gain tax.
6) You also need to consider the asset test limits or income test limit (if any) in your country which will determine how much pension you can get when you retired

Again, different person may have different plan.

Below are the items I projected for your reference.
View attachment 29247

Thanks! If I end up doing my own again, I’ll take every tip I can get. Thanks, again!