Business Sale Retirement Calculator
Plan your retirement around selling your business. Estimate net proceeds after taxes and fees, compare lump sum vs. installment sale structures, and see how long your money will last.
Business Details
Sale Structure
Taxes
Retirement Finances
Retirement Readiness Score
Your business sale proceeds, combined with savings, provide a strong retirement foundation.
Net Proceeds (Lump Sum)
$1,260,642
Money Lasts
30+ years
Business Value at Sale
$1,736,438
in 3 years
Net Proceeds (Lump Sum)
$1,260,642
after taxes & fees
Total Retirement Funds
$1,737,048
proceeds + savings
Total Taxes (Lump Sum)
$336,881
21.09% effective rate
Sale Proceeds Breakdown
How your gross business sale proceeds are allocated
Total
$1,736,438
Net Proceeds
73%$1,260,642/yr
Taxes
19%$336,881/yr
Broker Fees
8%$138,915/yr
Lump Sum vs. Installment Sale
Retirement portfolio balance over time for each sale structure
Tax & Fee Breakdown
Taxes and fees deducted from your business sale (lump sum)
Total
$475,796
Federal Capital Gains
57%$269,505/yr
State Tax
14%$67,376/yr
Broker Fees
29%$138,915/yr
Retirement Cash Flow
Annual expenses vs. portfolio withdrawals over time
Year-by-Year Breakdown
Detailed retirement projection for each year
| Year | Lump Sum Balance | Installment Balance | Installment Payment | Annual Draw |
|---|---|---|---|---|
| 0 | $1,737,048 | $476,406 | - | $56,000 |
| 5 | $1,985,382 | $1,218,664 | $163,259 | $63,359 |
| 10 | $2,273,137 | $2,167,402 | $163,259 | $71,685 |
| 15 | $2,607,791 | $2,466,293 | - | $81,105 |
| 20 | $2,998,578 | $2,809,221 | - | $91,763 |
| 25 | $3,456,987 | $3,203,585 | - | $103,821 |
| 30 | $3,997,407 | $3,658,298 | - | $117,464 |
Personalized Insights
Actionable recommendations based on your numbers
Your money lasts through retirement
With a lump sum sale, your combined retirement funds of $1,737,048 are projected to last the full 30 years of retirement at $80,000 per year in expenses.
21.09% effective tax rate on your sale
You will pay $336,881 in federal and state taxes. Consider an installment sale to spread the tax burden across multiple years and potentially stay in lower tax brackets.
Installment sale yields $371,947 more
The installment structure with 5.00% interest over 10 years generates more total proceeds due to interest income and potentially lower tax brackets.
$138,915 in broker fees
At 8.00% of sale price, broker and advisory fees total $138,915. Negotiate fees or consider whether all advisory services are necessary to reduce costs.
$236,438 in business growth before sale
By waiting 3 years to sell, your business is projected to grow from $1,500,000 to $1,736,438 at 5.00% annual growth.
Other income covers 30.00% of expenses
Your $24,000 in other annual income (Social Security, pensions, etc.) offsets 30.00% of your $80,000 annual expenses, reducing the draw on your business sale proceeds.