Early retirement bridge worksheet

Map annual spending gaps to accessible accounts before your selected retirement-account access age.

Planned retirement date

Retirement age

Selected access age

Bridge years

Year / age	Spending ($)	Reliable income ($)	Gap ($)	Accessible source
1 / ____
2 / ____
3 / ____
4 / ____
5 / ____
6 / ____
7 / ____
8 / ____
9 / ____
10 / ____

Total bridge gap ($)

Accessible assets assigned ($)

Shortfall / surplus ($)

Healthcare and tax reserve ($)

Give every bridge year a verified source.

Use take-home spending and dependable income. Name the cash, taxable account, documented Roth basis or conversion, eligible employer plan, or other source for each year. Review inflation, taxes, healthcare, account rules, and an emergency reserve separately.