The finances of an average American person aged 40, based on 2018 census data. Original data taken from https://www.bls.gov/news.release/cesan.nr0.htm . Note, that the income is provided after tax, based on "average" tax rates. As actual tax rates vary a lot between different states, these figures are not accurate. Nonetheless, we can see that a typical US citizen hardly breaks even, according to the census data.
Currency
USD
Start date
Dec. 31, 2019
Date of retirement
Nov. 15, 2051 (Age: 67)
Doomsday
Nov. 15, 2063 (Age: 79)
Final assets balance
-$243,855.79
Assets permanently in the red from
Jan. 1, 2032 (Age: 47)
Cashflow permanently in the red from
Jan. 1, 2022 (Age: 37)
Time to generate this report
0:00:00.469896
Date
Assets total before the date
Assets total after the date
Cashflow total
Jan. 1, 2020
$100,000.00
$102,671.00
$2,671.00
Jan. 1, 2021
$102,671.00
$103,559.94
$888.94
Jan. 1, 2022
$103,559.94
$102,556.73
-$1,003.21
Jan. 1, 2023
$102,556.73
$99,546.23
-$3,010.50
Jan. 1, 2024
$99,546.23
$94,408.08
-$5,138.14
Jan. 1, 2025
$94,408.08
$87,016.50
-$7,391.58
Jan. 1, 2026
$87,016.50
$77,240.02
-$9,776.48
Jan. 1, 2027
$77,240.02
$64,941.31
-$12,298.71
Jan. 1, 2028
$64,941.31
$49,976.90
-$14,964.41
Jan. 1, 2029
$49,976.90
$32,196.96
-$17,779.94
Jan. 1, 2030
$32,196.96
$11,445.05
-$20,751.91
Jan. 1, 2031
$11,445.05
-$12,442.17
-$23,887.22
Jan. 1, 2032
-$12,442.17
-$39,635.18
-$27,193.01
Jan. 1, 2033
-$14,750.84
-$44,681.04
-$29,930.20
Jan. 1, 2034
-$15,179.36
-$47,871.49
-$32,692.13
Jan. 1, 2035
-$17,512.77
-$53,107.59
-$35,594.82
Jan. 1, 2036
-$18,082.05
-$56,612.81
-$38,530.75
Jan. 1, 2037
-$20,448.70
-$62,058.08
-$41,609.38
Jan. 1, 2038
-$21,160.68
-$65,890.53
-$44,729.85
Jan. 1, 2039
-$23,569.17
-$71,564.64
-$47,995.48
Jan. 1, 2040
-$24,426.31
-$75,738.00
-$51,311.69
Jan. 1, 2041
-$26,885.38
-$81,661.43
-$54,776.05
Jan. 1, 2042
-$27,890.67
-$86,190.59
-$58,299.92
Jan. 1, 2043
-$30,409.26
-$92,384.71
-$61,975.46
Jan. 1, 2044
-$31,566.20
-$97,285.84
-$65,719.64
Jan. 1, 2045
-$34,153.44
-$103,773.00
-$69,619.56
Jan. 1, 2046
-$35,466.12
-$109,063.62
-$73,597.50
Jan. 1, 2047
-$38,131.38
-$115,867.20
-$77,735.82
Jan. 1, 2048
-$39,604.44
-$121,566.24
-$81,961.80
Jan. 1, 2049
-$42,357.37
-$128,710.74
-$86,353.38
Jan. 1, 2050
-$43,996.01
-$134,838.60
-$90,842.59
Jan. 1, 2051
-$46,846.58
-$142,349.78
-$95,503.20
Jan. 1, 2052
-$48,656.63
-$148,928.39
-$100,271.76
Jan. 1, 2053
-$51,615.13
-$156,833.29
-$105,218.16
Jan. 1, 2054
-$53,603.03
-$163,886.21
-$110,283.19
Jan. 1, 2055
-$56,680.16
-$172,213.30
-$115,533.14
Jan. 1, 2056
-$58,852.98
-$179,765.81
-$120,912.83
Jan. 1, 2057
-$62,059.86
-$188,545.05
-$126,485.20
Jan. 1, 2058
-$64,425.34
-$196,624.22
-$132,198.88
Jan. 1, 2059
-$67,773.54
-$205,887.22
-$138,113.68
Jan. 1, 2060
-$70,340.13
-$214,522.01
-$144,181.87
Jan. 1, 2061
-$73,841.74
-$224,302.08
-$150,460.34
Jan. 1, 2062
-$76,618.61
-$233,523.46
-$156,904.85
Jan. 1, 2063
-$80,286.24
-$243,855.79
-$163,569.55