Critical Mass Retirement Calculator Use this calculator to help you plan for retirement, and to determine your "Critical Mass". What is Critical Mass? It is where the income derived from your assets and investments is enough to sustain you in the lifestyle you desire. After critical mass, you don't need employment. You have the means to work only on projects that excite you, or not to work at all. When you wake up in the morning, you can ask yourself, "What do I want to do today?" This calculator lets you set the Rates and Amounts invested in your retirement account for each year of your life. (A negative Amount is money taken OUT of your account). You can edit the amount in any given year to bring your account up to your current balance, at your current age. There are some utilities at the left to make bulk changes to the numbers. During the last 75 years, the S&P 500 earned an average annual total return of 10.4 percent. Since the average annual inflation rate was 3.1 percent during this period, a net real return for this period would be 7.3% (after inflation). Accounting for inflation lets you think of your future funds in today's dollars, so you know what the money taken out of the account in the future is worth. So, the $1000 you take out in the future buys you $1000 worth of today's value, if you adjust your rates of return for inflation. Note: Time is as important as dollars invested. Notice how the earlier investments really add up in the end. Get started now! The calculator assumes your investment is made at the end of the year (as most are), so it earns no interest in that year.