@PhilMongoose , I agree with @jay , I have a similar table/spreadsheet and I use 5% nominal return (in CHF), 2% as taxable income and 3% as capital gain (non-taxed). Then an inflation rate of 2%, except for my Krankenkasse which I separate out as an expense an increase by 3x2%(i.e. 6% KK inflation - basis for this is core infl 1997-2017 0.5%p.a. KK inflation 1997-17 4% p.a.)
The pillar 2 and 3 is separated out from my NW until 65 (no annual taxes, real return 4.5%, tax on withdrawal 7 to 10% though).