Retirement Planning Calculator, Tables

Max spending per $100K assuming 5% inflation-adjusted return
Needed income assumed 30K/year

Years	Max Withrawal	Savings needed
5	28200	106K
10	14069	213K
15	10102	297K
20	8274	363K
25	7246	414K
30	6604	455K
35	6175	486K
999	5000	600K

Recently I've been mildly obsessed about retiring (early, very early) or at least, achieving financial independence (=you don't have to work anymore to sustain your lifestyle). I am a stong believer in living below your means as a tradeoff for freedom.
Anyhow, how much money do I need? I assume 10% average return on investement (average stock market returns have been 10.7% in the last 50 years or so). I also assume 3.5% inflation, so that's 6.5%. then you have to take out taxes, such as capital gains. Great. but it isn't so bad, if you plan on spending 30K/year - since part of the money is capital, only part of it is considered income. In some scenarios I ran, that was a 15K income, which would mostly be covered by standard deduction. SO I use 6% as net returns.This means that I believe on average 6% would be my return.
However, most of us don't care about averages - 50% of the time we'll be below average (umm, kinda). To achieve 90% complex analysis of market ups and down, I calculated a return of 4% should be assumed; 5% would give you an 80% chance - fail enough.
The last question is - how long do I plan to live? so here goes - the table below shows, for each number of years, what's your max withrawal per $100K. Obviously you can withraw more than the interest unless you plan to live forever - but how much more?