Pay off home loan or invest for retirement? Calculate and find out!

Recently subra wrote an article on Payoff Mortgage or Invest…continued. Here is a calculator to fortify the argument I have modified my financial freedom calculator to accommodate immediate lump sum investment to the lender to check if that option is better than investing the money for retirement (aka financial freedom) The excel file explains the…

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What Should Be Your Retirement Withdrawal Rate?

Manish Chauhan’s second book, “How to be your own financial planner in 10 steps” is a great ‘action’ book guiding people through the basic steps of financial planning. This post describes a retirement calculator inspired by the book and is based on ‘corpus withdrawal rate’ Step no. 6 is “Start your retirement planning”. In this…

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When Can I Retire?

Unfortunately there is, or at least can be, a big difference between: “When I WANT to retire” and “When I CAN retire” WANT is governed by job pressure, stress, burnout etc. CAN is unfortunately governed by how one can save, inflation, interest rates, life expectancy Find out when you CAN retire using the excel based…

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