An example of VeriPlan's 6-SAVINGS % graphic

VeriPlan's 6-SAVINGS % graphic: Pre-retirement Savings Rates -- with and without investment-oriented debt payments (%/yr)

Below is an example of the blue-tabbed 6-SAVINGS % graphic, which comes from VeriPlan's "Sue and Sam Saver" tutorial. This graphic shows Sue and Sam's projected savings rates from earned income prior to their retirement.

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This 6-SAVINGS % graphic projects your annual savings rates up to the planned retirement age of Earner #1. Unless Earner #2 retires later or your retirement income is projected to exceed expenses, VeriPlan's income-related graphics beyond retirement age would show asset withdrawals or negative savings rates. Instead of showing that information here, projected withdrawals are shown on VeriPlan's withdrawal graphics, which are discussed below.

This graphic projects your savings rates with and without your investment-oriented debt payments. Particularly early in many people's lifecycles, it can seem difficult to save. Savings is always important, and it is useful to recognize that investment-oriented debt payments are a form of savings. When such debt has been retired, then your "normal" savings rates usually need to increase substantially to ensure that adequate assets will be accumulated prior to retirement.