Cool little app. However, I'd like to see you raise the artificially low maximums you've put in place for the "Initial Investment" and "Monthly Investment" inputs. If you did, I'd be able to make use of it. (I'm 38 and definitely not "starting out".) It appears that you're making the assumption that the "Returns per Year" percentage input should also be used when figuring monthly income. I disagree with that. I'm comfortable guessing at a relatively high (7 or 8%) annual return on investment while building my savings, which would be derived from a combination of dividend income and capital gains. But, when it comes to living on a fixed income, I'm tempted to guess at a lower annual return (4% - dividend income only) because the negative consequences of being wrong are fairly high. My two cents.