I've been dabbling with a few spreadsheets just for ***** and giggles and thought I'd share them here for anyone that's interested or has any comments. First one shows what happens if living off dividends and assumes zero capital growth. Just enter the size of the portfolio and then allocate % to each investment. You can allocate certain percentages of portfolio to different types of investments to show over all dividend income. Also shows what happens to annual income if dividends are cut by 10%, 20%, 30%...and so on. The cuts to dividends apply only to equities, not term deposits, cash or bonds. It will show the difference between annual dividend income and the annual income required. If this shortfall is made up from cash savings, term deposits and bonds it will show roughly how long the cash reserves will last. Finally it shows the overall grossed up yield on the portfolio. I've made lot of assumptions but thought it was interesting none the less. Second one shows a total return portfolio with dividends and capital growth. Using an overall dividend figure from the previous spreadsheet and adding a capital growth component. Enter in the annual fixed costs and then enter in lump sum withdrawals for cars/holidays/etc. The annual fixed costs can be indexed for CPI Shows how many years the portfolio will last during retirement. I've assumed a diminishing lump sum requirements as time goes on.