Convert Expenses into Profits Estimator  
Current Age
Interest Rate
Retirement Age
Monthly Savings
Cost*
Monthly Expense(s)
Tax Rate**
             
      The Spender The Saver The Wealthy  
  Value at Retirement Age None  
             
  Annual Income to Age 95 None  
             
The Spender: No Savings
The Saver: Saves and utilizes compound Interest. Receives interest only on the amount saved.
The Wealthy: Saves and utilizes "leverage, compound interest and Velocity". Receives 
      interest on their "Savings and expenses"
             
*Cost of Converting the expense depends on the asset, default is 20% 
**Tax Rate depends if the accont is Qualified such as an IRA or 401K