Your Total Savings and Investments. Include the total sum of all of your savings and investments, such as stocks and bonds. Do not include home equity, the value of your business or the value of any other assets that you have that you can't immediately sell for cash.

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Expected Interest Rate on Savings. Choose the annual rate of return that you believe you willll get on your money. If all of your money is in a savings account, select 1-3%. If you have a healthy mix of stocks and bonds, select somewhere between 7-10%.

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Monthly Expenses. Enter your total monthly living expenses, including food, rent, utilities, transportation, monthly bills and any other expenses you typically have in a given month. This calculator will assume that your living expenses will increase by 3% each year because of inflation.

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