Dry Powder Calculator

How Much Dry Powder Do You Have?

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Estimated Annual Spending Needs*

Estimated Annual Guaranteed Income

Estimated Annual Portfolio Income

Total Portfolio Value

% of Portfolio in Bonds

$ in Cash

Dry Powder Principle: In finance, dry powder means the cash reserves a company or individual maintains to meet obligations in times of economic stress. At Capital Investment Advisors, we translate this for the happiest retirees.

The Dry Powder Principle says investors should hold at least three years of dry powder. Dry powder refers to safety assets within your portfolio that you can sell to cover any spending gaps you might have in the event of a market pullback or correction.

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Complete the form to the left to get your results. Click on any field to get a little help on what you need to enter.

Results

CONGRATULATIONS!
Based upon the information you submitted, you are in great shape. Your income gap is currently negative meaning that you have annual income that can cover your annual spending needs. If you would like to discuss this further, we would be happy to schedule a time to chat. Click below to schedule an appointment with a member of our team.

CONGRATULATIONS!
Based upon the information you submitted, you are currently in great shape. Your income gap is currently zero meaning that you have annual income that can cover your annual spending needs. If you would like to discuss this further, we would be happy to schedule a time to chat. Click below to schedule an appointment with a member of our team.

CONGRATULATIONS!
Based upon the information you submitted, you are currently in great shape. If you would like to discuss this further, we would be happy to schedule a time to chat. Click below to schedule an appointment with a member of our team.

Based upon the information you submitted, it looks like you are currently a little short of what we recommend by using the Dry Powder Principle. If you would like to discuss this further, we would be happy to schedule a time to chat. Click below to schedule an appointment with a member of our team.

Income Gap:

Years of Dry Powder:

Dry Powder Amount:

IMPORTANT: Information and interactive calculators are made available to you as educational tools for your independent use and are not intended to provide financial planning or investment advice. These tools help you see which factors are most important to consider in making a particular financial decision, and they illustrate the relative impact of each factor on the projected outcome. The projections or other information generated by the Retirement Planner Calculator regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results will vary with each use based on differing assumptions used in the calculator. Even small changes in assumptions can have a substantial impact on the results shown in this report. Investment outcomes in the real world are the results of a near infinite set of variables, few of which can be accurately anticipated. This information does not serve, either directly or indirectly, as legal, financial or tax advice and you should always consult a qualified professional legal, financial and/or tax advisor when making decisions related to your individual situation. Neither Federal nor State income taxes have been factored into the illustration.