Lifetime Earnings Calculator, Plus
"How To Turn the Tables On The Rich"

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Help you to forecast how much income you will earn between now and when you retire.

This online Lifetime Earnings Calculator will estimate the annual growth of your income based on your anticipated annual cost of living (COL) increases. It will then add up all of your forecasted annual incomes, giving you the grand total of all of the income you will earn from working between now and when you retire.

The purpose of this calculator is to make you aware of just how much money you (and your spouse/mate, if applicable) will have the opportunity to manage between now and when you retire.

And the point this calculator will attempt to make, is that if it turns out you end up broke at retirement age, it won't be because you didn't make enough money. Instead it will be because you did not successfully manage the abundance of income (potential wealth) you worked so hard to earn.

Why Do the Rich Get Richer?

Sure, you could come up with a multitude of reasons that attempt to explain why the rich get richer. But in my opinion, there's only one reason.

The rich get richer because the poor and middle class continue to hand all of their potential wealth over to the rich. After all, the rich are not printing their own money. Where else would it be coming from?

I honestly believe that if you put every dollar of everyone's net worth into one account, and then redistributed that amount equally between every citizen of the country, it would only be a matter of a few years before the bulk of the money would end up right back in the hands of the rich.

Why is that?

It's because you and I have been taught since birth that the key to happiness is to buy the things that we've been led to believe will make us happier -- even if it means renting (borrowing) the money to buy them.

Who's been doing the teaching?

That's right, the rich.

And how are they doing the teaching? Easy.

The rich ...

  • Have ivory towers teaming with the best marketing minds money can buy, who are experts at designing sales presentations that tie products to your emotions.
  • Enlist the services of highly paid actors and actresses who are experts at making us believe they are actually experiencing the benefits being advertised.

And what happens when you add the best lobbyists money can buy?

It's what we up North refer to as "hook, line and sinker."

Turning the Tables

So how can we turn the tables on the rich?

That's easy, we have to stop playing the "fool" in "a fool and his money are soon parted."

And the key to that is to become financially savvy enough to be able to accurately forecast the net-consequences of your financial decisions -- without blindly allowing the rich to make your decisions for you.

With that, let's use the Lifetime Earnings Calculator to estimate how much potential wealth you will have the chance to manage between now and when you retire.

Calculate Your Lifetime Earnings
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Instructions: Enter your current age, retirement age, and your present annual income.

Next select the annual cost of living adjustments you expect between now and when you retire, then click the "Calculate" button.

Mouse over the blue question marks for a further explanation of each entry field. More in-depth explanations can be found in the glossary of terms located beneath the Lifetime Earnings Calculator.

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Help What is your current age?:
Help What age do you plan to retire at?:
Help What is your present annual income?:
Help What is your partner's annual income? (optional):
Help Estimated annual raises & cost of living increases:
Help Estimated household annual income at retirement:
Help Total earnings for period of years:
Please grade my work and help me improve:
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Lifetime Earnings Calculator Glossary of TermsCalcy magnifying glass

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Current Age: The age you want to start accumulating your annual incomes. If you dare, feel free to enter the age you began working along with your first annual income. Doing so will show you where you stand now versus where you assumed you would be, as well as how much income you might have earned up until now.

Retirement Age: The age you expect to stop earning an income.

Present Annual Income: This can either be your gross annual income or your after-tax annual income, whichever you prefer.

Partner's Annual Income: If you choose to include the income of a spouse or significant other, you can enter their gross annual income or their after-tax annual income, whichever way you chose to enter your own income.

Estimated Cost of Living (COL) Increases: The average percentage by which you expect your income to grow each year between now and when you retire.

Estimated Household Annual Income at Retirement: Based on the assumptions you entered into the Lifetime Earnings Calculator, this is how much your annual income will be at retirement age.

Total Earnings: Based on the assumptions you entered into the Lifetime Earnings Calculator, this is your total cumulative earnings between now and when you retire.

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