Green Retirement Planning

What is Green Retirement Planning?

Green Retirement Planning is a new method of retirement planning, that uses conservation instead of the current method of consumption, to create accurate and achievable retirement plans. Green Retirement Planning enables anyone to retire with less savings, and years earlier than traditional retirement planning. By going green and reducing your consumption, both before and during retirement, you can save hundreds of thousands of dollars and your retirement.

How does Green Retirement Planning Work?

Green Retirement Planning calculates how much savings you need for retirement, based on how much you plan to spend in retirement. Giving you control over your retirement. Since you determine how much you will spend in retirement, you determine how much savings you will need for retirement. This innovation makes retirement planning much more accurate, easier to calculate, and produces achievable retirement goals.

Traditional retirement planning calculates, how much savings you need for retirement, based on how much you earn today. An assumption is made, that in retirement you will annually consume 80% of your current salary. It is a guess, a "Consumption Assumption", that over estimates the amount of savings you need, forcing you to work many more years than necessary.

How does Green Retirement Planning Help the Environment?

Working is environmentally destructive. Your commute, and added consumption, is destroying the planet. The best thing you can do for the world is to retire. Your early retirement will do more to help reduce global warming, than recycling, or changing light bulbs.

How much does Green Retirement Planning Cost?

Green Retirement Planning offers fee-only planning and software. Our comprehensive retirement plan, one hour retirement consultation, and custom retirement planning software, is a very affordable $89.

About Green Retirement

Green Retirement LLC., located in San Francisco, offers fee only retirement planning to individuals and couples nation wide. Learn More

Privacy and Security

Green Retirement does not share, sell, or rent your personal and financial information or email to anyone for any reason. Green Retirement LLC, does not need or require any financial account information, to perform it's calculations. Learn More

How Accurate is a Green Retirement Plan

Green Retirement is more accurate than traditional retirement planning, which uses a guess based on your salary, to calculate your necessary retirement savings. However, the accuracy of your Green Retirement Plan is determined by the accuracy of the data submitted.

How To Use Our VERIP Calculator

The Voluntary Early Retirement Incentive Package Calculator requires the following information:

1. Age

Enter your current age.
Back to Calculator

2. Household Salary

The total annual combined salaries of you and your spouse/partner.
Back to Calculator

3. Net Worth

Your net worth determines how much you can spend in retirement. Your net worth is the value of all of your assets (house, investments, cars, collectibles, and couches) minus all of your debts (mortgage, credit cards, car loans).

The following example illustrates how to calculate your net worth.

Net Worth $720,000
Assets $955,000 Debts $235,000
House $450,000 Mortgage $150,000
Bob's 401k $200,000 Home Equity Loan $50,000
Pam's 401k $150,000 Bob's Car Loan $20,000
Mutual Fund $75,000 BofA Credit Card $10,000
Bob's Car $15,000 Chase Credit Card $5,000
Pam's Car $10,000
Savings Acct. $20,000
Card Collection $10,000
Furniture and Art $25,000

Back to Calculator

4. Retirement Package

The total value of your employer's early retirement package. Contact your H.R. Dept., if you are unsure, of the total value of your early retirement package.
Back to Calculator

5. Monthly Retirement Savings

The amount you save each month towards retirement.
Back to Calculator

6. Monthly Retirement Budget

Enter the monthly amount you would need to spend if you retired today. Your monthly retirement budget determines how much savings you need for retirement. The lower your monthly retirement budget, the less savings you need for retirement, the sooner you can retire.

The easiest way to calculate your monthly retirement spending budget, is to first list your current spending budget, then reduce and/or eliminate your expenses in retirement.

Current Budget $ Amount Retirement Budget $ Amount
Mortgage $2,000 Rent $1,000
Prop. Taxes $150 Pam's Car $400
Garden/Pool $ 200 Food $500
Housekeeping $100 Healthcare $500
Bob's Car $600 Dining Out $100
Pam's Car $400 Entertainment $75
Food $500 Vacations $100
Healthcare $350 Clothing $75
Dining Out $200 Cable $50
Entertainment $75 Phone $75
Vacations $200 Other Expenses $400
Clothing $150
Cable $75
Phone $125
Other Expenses $800
Total $6,125 Total $3,275
Savings Required $1,837,500 Savings Required $982,500

In this example, with a current budget of $6,125 per month, the couple would need $1,837,500 to retire. By reducing their housing expense in retirement, eliminating one of their cars, and reducing or eliminating other expenses in retirement, the couple now needs $982,500. Reducing by $855,000, the amount of savings they need for retirement,and the many extra years of working it would require to save that amount.
Back to Calculator

7. Retirement Income

If you are over 55 years of age, enter the monthly amount you and your spouse/partner, are eligible to receive from Social Security and Pensions. Leave blank if you are under 55 years of age.
Back to Calculator

8. Eligible Age for Retirement Income

If you are over 55 years of age, enter the age at which you and your spouse/partner, will be eligible to receive retirement income from Social Security and Pensions. Leave blank if you are under 55 years of age.
Back to Calculator

9. When Do You Want To Retire?

Enter the number of years until you plan/hope to retire.
Back to Calculator

Get Green Get Green