Wk8

Overview

Instructions

You may move from worksheet to worksheet by clicking on the dark blue buttons

located on each worksheet or the blue tabs at the bottom of each worksheet.

Use drop down boxes , arrow buttons or white cells to enter in your financial assumptions.

Use your mouse, return or arrow keys to move to the next input box or button.

Be conservative with your assumptions. Assuming aggressive scenarios will generate improbable answers.

Red marked boxes provide additional comments when the mouse pointer is placed over the mark.

1. Solve for: Through a series of financial calculations, the Retirement Calculator determines:

a

The age at which you will run out of retirement funds

a

Whether you're contributing enough to your retirement plan

Large Cap Stocks (S&P 500)

a

How much you can spend during retirement

Small Cap Stocks

a

The earliest year in which you can retire

International Stocks (EAFE)

2. Personal Information: Enter age (you and spouse), desired retirement age (you and spouse) and life expectancy.

Corporate Bonds (AAA)

3. Retirement Savings & Contributions: Enter the amount you and your spouse contribute to your retirement plan(s) on an annual basis.

Long-term Government Bonds

You may adjust/increase future contributions for inflation (401k/Other) or match that of the maximum

allowable (IRA/Roth IRA) by checking the boxes to the right of the dollar amounts. If you have additional investments

you would like to add to the list, click the Need additional lines for other investments? link at the bottom of the page.

Time your contributions: You may determine (by using the drop down box to the right of the Savings & Contributions)

the timing of your retirement plan contributions:

4. Pre-Retirement Asset Allocation and Retirement Asset Allocation

Pre-Retirement Asset Allocation: Use the drop down boxes to choose the types of investments.

Six options are provided along with their appropriate historical returns. You may customize the choices by clicking

on the *Want to change investment options? link on the bottom of the page.

You may choose to gradually reallocate your assets (as you would in real life) from your Pre-Retirement allocation plan

to your Retirement allocation plan by checking the box at the bottom of the page

5. Retirement Income: Enter in your expected annual Social Security benefits, pension or other income at the age you specify.

For SS benefit estimates visit:

www.ssa.gov/planners/calculators).

Retirement Tax Rate: Use the arrow button to adjust your total tax rate (federal, state, Social Security) on all your taxable income.

This tax rate will be applied to your SS and pension income as well as taxable retirement plan distributions (401k, Trad. IRA, etc.)

Note: Distributions/withdrawals from Roth IRA plans are not taxable.

6. Retirement Spending: Enter in what you expect to spend annually during retirement. Be sure to enter 'your dollar amounts in

today's dollars (out-year spending will automatically be adjusted for inflation).

On the first three pages you will find a "Simple Answer" section in

the upper right hand corner of the page. This is provided in order

Savings at Retirement:

737,234

to illustrate (immediately) how each variable effects the results.

Savings will last until:

95

7. Results:

How long will my retirement funds last?

Based on your inputs this calculation solves for the age at which your funds will run out. You would want the answer, of course,

to match or exceed your life expectancy assumption.

Am I saving enough today?

Based on your retirement needs, this calculation determines the amount of savings you will need by retirement, compares it to

your "Projected Savings" and then determines the necessary adjustment to your annual/monthly contribution.

The adjustment calculation assumes that any addition/subtraction to your annual contribution will be made to your account,

not your spouse's. You have the option to customize the calculation by selecting yes or no for the questions below the necessary

annual adjustment (Adjust contributions for inflation?, Funds taxable during retirement? - meaning the distribution of those funds)

How much can I spend during retirement?

Based on all your other financial assumptions, this calculation determines the exact amount you will be able to spend during

your first year of retirement (and thereafter) without running out of funds prior to the life expectancy year.

This calculation assumes that out-year spending will be increased annually due to inflation.

How soon can I retire?

Based on your inputs this calculation solves for the earliest age at which you can retire so that your funds will last until your

life expectancy year. If the "Ending Balance" on the "Retirement Cash Flow" page is less than zero at the age of your life

expectancy assumption, this simply means that your funds will run out during the middle of that year.

8. Graphs:

To help illustrate the results, we've included a graph (to the right of the results) where you can choose to chart:

Retirement Savings, Retirement Income (excl. distributions), Retirement Spending and Retirement Distribution/Withdrawals

You may view an enlarged version of the graph by clicking the "Click to view Larger Graph" button to the left of the graph.

9. Detailed Results:

Pre-Retirement Investment Detail

This page details your annual financial contributions and investment return throughout your "Pre-Retirement" years. Here you will see

how your future contributions are adjusted/increased for inflation (401k/Other) or to match that of the maximum allowable (IRA's)

Retirement Cash Flow

On this page, you will see yearly figures for:

Age, Retirement Year, Other +/- Adjustment*, Social Security, Pension and Other Income, Retirement Distributions/Withdrawals

Estimated Taxes and Annual Spending

*You may make manual adjustments for one time expenses/earnings in the blue cells beneath "Other +/- (adjustments)"

(i.e. down payments, inheritance, real estate sales, etc.)

Financial Calculators available at www.simpleplanning.com

-

Budget Planner

-

Mortgage Calculator

-

Investment Calculator

-

Tax Calculator

-

Retirement Planner

-

401k Calculator

Software License Agreement

Simpleplannings.com grants usage of this financial planning "software" under the following terms and conditions:

After the purchasing and downloading of this software from Simpleplanning.com, the purchaser is granted a "license" to use this product.

The "licensee" may make copies of this product in an amount that does not exceed the number of licenses originally purchased from

Simpleplanning.com, or for the purpose of creating a backup copy.

This file or the software contained in this file shall not be transferred to a non-licensee without the written consent from Simpleplanning.com.

Limitation of Liability

Simpleplanning.com will not be held liable for damages in the event of, but not limited to inaccurate assumptions, calculation errors,

software, hardware, data and network failure and profit/savings losses as a result of using this software.

Savings & Contributions

													Savings at Retirement:		1,101,380		See Detailed Results
													Savings will last until:		89
																														10%
			Solve for:							Retirement Savings												Solve	#	Plan Option	Plan #	Plan	Plan Name	Savings	Contribution	@ Retire	Inflation?	Taxable	Yrs to Retire
																						1	1	401k	1	1	401k	$ 110,000	$ 5,000	$ 636,335		100%	1500%
																							2	401k- Spouse	2	4	IRA- Spouse	$ 60,000	$ 3,000	$ 404,531		100%
																							3	IRA	3	7	Other	$ 10,000	$ - 0	$ 40,343		100%
															0								4	IRA- Spouse	4	8	Other- Spouse	$ 5,000	$ - 0	$ 20,171		100%
															0								5	Roth IRA	5		Misc	$ - 0	$ - 0	$ - 0		100%
			Personal Information												0								6	Roth IRA- Spouse			Total	$ 185,000	$ 8,000	$ 1,101,380		100.0%
			46		Current Age		15	years to retirement							0								7	Other
																							8	Other- Spouse
			61		Desired Retirement Age
			90		Life Expectancy
			44		Current Age - Spouse		15	years to retirement
			59		Desired Retirement Age - Spouse																			1
			Retirement Savings & Contributions							Chart:														At the beginning of each year				Am I saving enough today?			Chart
			Retirement Plan			Savings		Annual Contribution																Throughout the year				0			1
						$ 110,000		$ 5,000		Adjust future contributions for inflation?														At the end of each year				0
						$ 60,000		$ 3,000		Increase future contribution to maximum allowable?
						$ 10,000				Adjust future contributions for inflation?
						$ 5,000				Adjust future contributions for inflation?
			Need additional lines for other investments? Click here
			0				0
			0
			Other Investment
			Adjust future contributions for inflation?
			Withdrawals during retirement will be taxable?
			Other Investments			Savings		Annual Contribution
			Stock XYZ
			Miscellaneous 2
			Miscellaneous 3
			Miscellaneous 4
			Miscellaneous 5
			Total			$ - 0		$ - 0
			Return to top of page

Savings & Contributions

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Assets Alloc

														Savings at Retirement:		1,101,380		See Detailed Results					Inv Type	Return	Volatility	Asset #	Pre-Retire #	Pre-Retire Inv	Alloc	Return	Volatility
														Savings will last until:		89						1	Large Cap Stocks (S&P 500)	10.2%		1	3	International Stocks (EAFE)	30	12%	0%
																						2	Small Cap Stocks	12.2%		2	2	Small Cap Stocks	25	12%	0%
																						3	International Stocks (EAFE)	12.4%		3	3	International Stocks (EAFE)	15	12%	0%
																						4	Corporate Bonds (AAA)	7.6%		4	4	Corporate Bonds (AAA)	20	8%	0%
			Pre-Retirement Asset Allocation																			5	Long-term Government Bonds	5.4%		5		Other	10	2%	0%
						Allocation			Return*													6	U.S. Treasury Bills	3.7%
						30%			12.4%
						25%			12.2%
			6			15%			12.4%
						20%			7.6%														Inv Type	Return		Asset #	Retire #	Retire Inv	Alloc	Return	Volatility
			Other			10%			2.0%													1	Large Cap Stocks (S&P 500)	10.2%		1	1	Large Cap Stocks (S&P 500)	10	10%	0%
			Total			100%			10.4%													2	Small Cap Stocks	12.2%		2	4	Corporate Bonds (AAA)	35	8%	0%
																						3	International Stocks (EAFE)	12.4%		3	5	Long-term Government Bonds	30	5%	0%
			Retirement Asset Allocation																			4	Corporate Bonds (AAA)	7.6%		4	6	U.S. Treasury Bills	15	4%	0%
						Allocation			Return*													5	Long-term Government Bonds	5.4%		5		Other	10	6%	0%
						10%			10.2%													6	U.S. Treasury Bills	3.7%
																													4
						35%			7.6%
						30%			5.4%
	1
						15%			3.7%
			Other			10%			0.0%
			Total			100%			5.9%
			Gradually reallocate assets from my "pre-retirement" allocation plan to my
			retirement allocation plan starting			5	years prior to retirement.
			*Want to change investment options? Click here
			Use investment options below for pre-retirement allocation
			Use investment options below for retirement allocation
			Investment Vehicle						Return
			Mutual Fund A						9.0%
			Mutual Fund B						10.0%
			Mutual Fund C						11.0%
			Mutual Fund D						8.0%
			Stock A						12.0%
			Stock B						12.0%
			Return to top of page

Assets Alloc

Income & Spending

																Savings at Retirement:		1,101,380		See Detailed Results									8	0.027				Yes
																Savings will last until:		89						1	Social Security	$ 20,000	64	1	1	2.0%	1	Social Security		No
																								2	Social Security- Spouse	$ 12,000	68	1	2	2.1%	2	Social Security- Spouse
																								3	Pension	$ 10,000	64	2	3	2.2%	3	Pension
																								5	Other	$ - 0	0	2	4	2.3%	4	Pension- Spouse
			Retirement Income																										5	2.4%	5	Other
								1st Year of Income		Start at Age:	Adjust for inflation?																		6	2.5%	6	Other- Spouse
								$ 20,000		64																			7	2.6%
																													8	2.7%
								$ 12,000		68																			9	2.8%
																													10	2.9%
								$ 10,000		64																			11	3.0%
																													12	3.1%
																													13	3.2%
			Total					$ 42,000
			Retirement Tax Rate:			25%	25
			Retirement Spending
								Today's $'s		After Inflation*
			Transportation					$ 7,000		$ 10,439															Transportation	16%	15
			Home					$ 12,000		$ 17,895															Home	27%
			Utilities					$ 6,000		$ 8,948															Utilities	13%
			Health					$ 5,000		$ 7,456															Health	11%
			Entertainment					$ 10,000		$ 14,913															Entertainment	22%
			Miscellaneous					$ 5,000		$ 7,456															Miscellaneous	11%
			Total					$ 45,000		$ 67,107
			*Spending during first year of retirement- future spending is
			adjusted for inflation

Income & Spending

61	61	61	61
62	62	62	62
63	63	63	63
64	64	64	64
65	65	65	65
66	66	66	66
67	67	67	67
68	68	68	68
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70	70	70	70
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74	74	74	74
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80	80	80	80
81	81	81	81
82	82	82	82
83	83	83	83
84	84	84	84
85	85	85	85
86	86	86	86
87	87	87	87
88	88	88	88
89	89	89	89

Results

Cash Flow

																																																		Chart		Column	Width	Height			Move Column
																														Am I saving enough today?										=AO5*(1+'Income & Spending'!G18-'Income & Spending'!G18*AQ5)										1		7	1	44			0
																														Inflation Adjustment									Tax Adjustment	=AC6*(1+'Income & Spending'!G18*AP5)												1	1	1	1
																						Chart Option	1	Solve	Age								1							Savings Diff	Adj Diff	Current	New Estimate	New	Old Tax NPV	New Tax NPV	NPV Delta	Cont Adjustment		61	Savings	Social Security	Social Security- Spouse	Pension	Other	Retirement Distributions	Spending
																					1	Retirement Savings	1	How long will my retirement funds last?	89	$ 1,101,380				15	Years		At the beginning of each year						Taxable Acct	$ 28,722	$ 28,722	100.00%	100.00%	100.00%	$184,195.71		$0	$0.00	0	46	185,000	- 0	- 0	- 0	- 0	67,107	67,107
																					2	Retirement Income (excl. distributions)	2	Am I saving enough today?	61	$ 1,101,380	$ 1,130,102	28,722		9.45%	Inv Rate	9.4%	Throughout the year						Non Taxable Acct	$ 28,722	$ 21,724	100.00%	97.46%	98.07%	$184,195.71		$0	$0.00	0	47	212,976	- 0	- 0	- 0	- 0	68,919	68,919
			How long will my retirement funds last?												0			0			3	Retirement Spending	3	How much can I spend during retirement?		$ 65,959				$ (28,722)	Shortfall/Excess		At the end of each year																0	48	245,099	- 0	- 0	- 0	- 0	70,780	70,780
															0			0			4	Retirement Distribution/Withdrawals	4	How soon can I retire?	61	$ 1,130,102				863	Without inflation adj.																		0	49	280,700	20,000	- 0	10,000	- 0	42,691	72,691
													Retirement Savings									1								746	With inflation	2.7%				$ 28,722													0	50	320,143	20,540	- 0	10,000	- 0	44,114	74,654
	90%																					Retirement Savings								Year	Savings	Contribution	Savings			33235													0	51	364,933	21,095	- 0	10,000	- 0	45,575	76,669
	80%		How long will my retirement funds last?																											1	1.10	863	952	10.4%	10.4%	$4,512	inflation adj.												0	52	414,525	21,664	- 0	10,000	- 0	47,075	78,739
	70%																													2	2.32	886	2029	10.4%	10.4%	11.09%	Realized rate												0	53	470,524	22,249	- 0	10,000	- 0	48,616	80,865
	60%																													3	3.66	910	3243	10.4%	10.4%	$117	Inflation adjustment												0	54	532,492	22,850	- 0	10,000	- 0	50,199	83,049
	1		Savings at Retirement			$ 1,101,380																								4	5.15	935	4610	10.4%	10.4%														0	55	601,055	23,467	12,000	10,000	- 0	39,824	85,291
	0%																													5	6.78	960	6147	10.4%	10.4%														0	56	676,897	24,100	12,324	10,000	- 0	41,170	87,594
	1		Fund will last until age			89																								6	8.59	986	7871	10.4%	10.4%														0	57	760,779	24,751	12,657	10,000	- 0	42,551	89,959
																														7	10.58	1013	9803	10.4%	10.4%														0	58	846,583	25,419	12,998	10,000	- 0	43,970	92,388
			0																											8	12.78	1040	11965	10.4%	10.4%														0	59	932,969	26,106	13,349	10,000	- 0	45,427	94,882
1			Savings at Retirement						Increase Contribution by													Am I saving enough today? Validation			Conditional Formatting					9	15.21	1068	14382	10.4%	10.4%														0	60	1,018,438	26,810	13,710	10,000	- 0	46,924	97,444
			Projected Savings			$ 1,101,380			Monthly		$ 62											Inf Choice	1		0	Am I saving enough today?				10	17.88	1097	17080	10.4%	10.4%														1	61	1,101,380	27,534	14,080	10,000	- 0	48,461	100,075
			Required Savings*			$ 1,130,102			Annually		$ 745.77											Tax Choice	1		0	How much can I spend during retirement?				11	20.84	1126	20091	10.4%	10.4%														1	62	1,077,070	28,278	14,460	10,000	- 0	50,039	102,777
			Shortfall			$ (28,722)			0													yes	1		0					12	23.90	1157	23256	9.5%	9.5%														1	63	1,048,940	29,041	14,851	10,000	- 0	51,660	105,552
			0						Adjust contributions for inflation?			yes										no	2		0					13	27.03	1188	26535	8.6%	8.6%														1	64	1,016,700	29,825	15,252	10,000	- 0	53,325	108,402
			0						Funds taxable during retirement?			yes										yes			1	$ - 0	Am I saving enough today?			14	30.18	1220	29879	7.7%	7.7%														1	65	1,011,800	30,631	15,663	10,000	- 0	55,035	111,329
	15%											0	Chart:									no			2		How much can I spend during retirement?			15	33.28	1253	33235	6.8%	6.8%														1	66	1,004,589	31,458	16,086	10,000	- 0	56,791	114,335
	20%		Detail Results																											16	36.29	1287	36543	5.9%	5.9%														1	67	994,875	32,307	16,521	10,000	- 0	58,594	117,422
	25%		Current Savings			$ 185,000			See Pre-Retirement Investment Detail																	Am I saving enough today?				17	39.48	1322	40081	5.9%	5.9%														1	68	982,456	33,179	16,967	10,000	- 0	60,446	120,592
	1		Total Contributions			$ 169,976			See Retirement Cash Flow																0	Minimal Adjust necessary				18	42.84	1357	43865	5.9%	5.9%														1	69	967,116	34,075	17,425	10,000	- 0	62,348	123,848
			Investment Gains			$ 746,403			See Enlarged Graph Above																	2000				19	46.41	1394	47909	5.9%	5.9%														1	70	948,624	34,995	17,895	10,000	- 0	64,301	127,192
			Total Savings			$ 1,101,380																								20	50.19	1432	52229	5.9%	5.9%														1	71	939,439	35,940	18,378	10,000	- 0	66,308	130,626
																														21	54.19	1470	56843	5.9%	5.9%														1	72	927,683	36,911	18,875	10,000	- 0	68,368	134,153
																														22	58.42	1510	61770	5.9%	5.9%														1	73	913,150	37,907	19,384	10,000	- 0	70,484	137,775
																														23	62.90	1551	67028	5.9%	5.9%														1	74	895,621	38,931	19,908	10,000	- 0	72,657	141,495
																														24	67.64	1593	72638	5.9%	5.9%														1	75	874,863	39,982	20,445	10,000	- 0	74,889	145,316
																														25	72.65	1636	78623	5.9%	5.9%														1	76	850,628	41,061	20,997	10,000	- 0	77,181	149,239
																														26	77.97	1680	85004	5.9%	5.9%														1	77	822,651	42,170	21,564	10,000	- 0	79,535	153,269
																														27	83.59	1725	91807	5.9%	5.9%														1	78	790,649	43,308	22,146	10,000	- 0	81,952	157,407
																														28	89.54	1772	99058	5.9%	5.9%														1	79	754,324	44,478	22,744	10,000	- 0	84,435	161,657
																														29	95.84	1819	106784	5.9%	5.9%														1	80	713,355	45,679	23,358	10,000	- 0	86,984	166,021
																														30	102.52	1869	115014	5.9%	5.9%														1	81	667,404	46,912	23,989	10,000	- 0	89,603	170,504
																														31	109.58	1919	123779	5.9%	5.9%														1	82	616,107	48,179	24,637	10,000	- 0	92,292	175,108
																														32	117.05	1971	133113	5.9%	5.9%														1	83	559,081	49,479	25,302	10,000	- 0	95,054	179,836
																														33	124.96	2024	143049	5.9%	5.9%														1	84	495,917	50,815	25,985	10,000	- 0	97,891	184,691
																														34	133.34	2079	153625	5.9%	5.9%														1	85	426,180	52,187	26,687	10,000	- 0	100,804	189,678
																														35	142.20	2135	164880	5.9%	5.9%														1	86	349,406	53,596	27,407	10,000	- 0	103,795	194,799
																														36	151.59	2193	176855	5.9%	5.9%														1	87	265,106	55,044	28,147	10,000	- 0	106,868	200,059
																																																	1	88	172,755	56,530	28,907	10,000	- 0	110,023	205,460
																																																	1	89	71,798	58,056	29,688	10,000	- 0	113,264	211,008
																																																	1	90	(36,232)	59,624	30,489	10,000	- 0	116,592	216,705
																																																	1	91	(147,450)	61,233	31,312	10,000	- 0	120,010	222,556
																																																	1	92	(261,940)	62,887	32,158	10,000	- 0	123,520	228,565
																																																	1	93	(379,792)	64,585	33,026	10,000	- 0	127,125	234,736
																																																	1	94	(501,096)	66,328	33,918	10,000	- 0	130,828	241,074
																																																	1	95	(625,944)	68,119	34,834	10,000	- 0	134,630	247,583
																																																	1	96	(754,434)
																																																	1	97	(886,663)
																																																	1	98	(1,022,732)
																																																	1	99	(1,162,745)
																																																	1	100	(1,306,809)
																																																	1	101	(1,455,032)
																																																	1	102	(1,607,527)
																																																	1	103	(1,764,410)
																																																	1	104	(1,925,798)
																																																	1	105	(2,091,814)
																																																	1	106	(2,262,582)
																																																	1	107	(2,438,231)
																																																	1	108	(2,618,893)
																																																	1	109	(2,804,702)
																																																	1	110	(2,995,798)

Cash Flow

Inv Detail

																													Spending Solver Results											Spending Solver								Income Adjustment							Return on Income Differential
	61		1,130,102																											(65,959)														-0.0399686196				30	90	61										137.9183793794
	61		1,101,380																															6%										5.9%	2.7%			1,383,274	46,109			(341,253)				(341,253)	2.7%	25.0%	5.86%	$ 2,474.3
29	Age	Ret. Year	Beginning Balance	Other +/- (adjustments)	Social Security	Social Security- Spouse	Pension	Other	Retirement Distributions	Estimated Tax	Investment Return	Ending Balance		Annual Spending				Starting Balance	Social Security	Social Security- Spouse	Pension	Other	Age Differential	Spending Today's $'s	Est. Tax	Retire Inv. Return			Age	Beginning Balance	Income	Withdrawl	Taxes	Investment Return	Ending Balance	Spending				Age	Ending Balance	Investment Return	Taxes	Spending	Beginning Balance			Income	Avg Annual Income	Annual Delta	Cumulative Inv./Income Delta	Inv. Return on Delta	($30,516)		Age	Beginning Balance	Spending	Taxes	Investment Return	Ending Balance
	61	1	$1,101,380		$ - 0	$ - 0	$ - 0	$ - 0	($67,107)	($16,777)	$ 59,574	$ 1,077,070		$67,107				1,101,380	64	70	64	0	2	45000	25%	6%			61	1,101,380	- 0	(65,959)	(16,490)	59,658	1,078,589	(65,959)				90	$ - 0	$ - 0	$ (0.25)	$ (1.00)	$ 1.25		1	- 0	30,516	(30,516)	(30,516)	(1,787)	- 0		61	- 0	1.00	0.250	0.073	1.32
0	62	2	$1,077,070		$ - 0	$ - 0	$ - 0	$ - 0	($68,919)	($17,230)	$ 58,018	$ 1,048,940		$68,919					2.7%	2.7%	0.0%	0.0%		0.027	100.0%				62	1,078,589	- 0	(67,740)	(16,935)	58,194	1,052,107	(67,740)				89	$ 1.25	$ 0.07	$ (0.24)	$ (0.97)	$ 2.40		1	- 0	31,340	(31,340)	(63,643)	(3,726)	- 0		62	1.32	1.03	0.257	0.153	2.76
0	63	3	$1,048,940		$ - 0	$ - 0	$ - 0	$ - 0	($70,780)	($17,695)	$ 56,235	$ 1,016,700		$70,780					20000	12000	10000	0		46	25%				63	1,052,107	- 0	(69,569)	(17,392)	56,509	1,021,655	(69,569)				88	$ 2.40	$ 0.13	$ (0.24)	$ (0.95)	$ 3.45		1	- 0	32,186	(32,186)	(99,555)	(5,829)	- 0		63	2.76	1.05	0.264	0.239	4.32
0	64	4	$1,016,700		$ 20,000	$ - 0	$ 10,000	$ - 0	($42,691)	($18,173)	$ 55,964	$ 1,011,800		$72,691					0	1	0	0			25.0%				64	1,021,655	30,000	(41,447)	(17,862)	56,345	1,018,691	(71,447)				87	$ 3.45	$ 0.19	$ (0.23)	$ (0.92)	$ 4.41		1	30,000	33,055	(3,055)	(108,440)	(6,349)	30,000		64	4.32	1.08	0.271	0.332	6.00
0	65	5	$1,011,800		$ 20,540	$ - 0	$ 10,000	$ - 0	($44,114)	($18,663)	$ 55,565	$ 1,004,589		$74,654															65	1,018,691	30,540	(42,837)	(18,344)	56,062	1,013,573	(73,377)				86	$ 4.41	$ 0.24	$ (0.22)	$ (0.90)	$ 5.29		1	30,540	33,948	(3,408)	(118,197)	(6,920)	30,540		65	6.00	1.11	0.278	0.433	7.83
0	66	6	$1,004,589		$ 21,095	$ - 0	$ 10,000	$ - 0	($45,575)	($19,167)	$ 55,028	$ 994,875		$76,669			90	Avg Income	Avg Withdrawl										66	1,013,573	31,095	(44,263)	(18,839)	55,650	1,006,120	(75,358)				85	$ 5.29	$ 0.29	$ (0.22)	$ (0.88)	$ 6.09		1	31,095	34,864	(3,770)	(128,887)	(7,546)	31,095		66	7.83	1.14	0.286	0.542	9.80
0	67	7	$994,875		$ 21,664	$ - 0	$ 10,000	$ - 0	($47,075)	($19,685)	$ 54,341	$ 982,456		$78,739			61	45,271	21,837	67,107									67	1,006,120	31,664	(45,728)	(19,348)	55,098	996,142	(77,392)				84	$ 6.09	$ 0.34	$ (0.21)	$ (0.85)	$ 6.82		1	31,664	35,806	(4,142)	(140,575)	(8,231)	31,664		67	9.80	1.17	0.293	0.659	11.92
0	68	8	$982,456		$ 22,249	$ - 0	$ 10,000	$ - 0	($48,616)	($20,216)	$ 53,493	$ 967,116		$80,865			29	25.0%	25.0%	25%									68	996,142	32,249	(47,233)	(19,870)	54,395	983,434	(79,482)				83	$ 6.82	$ 0.38	$ (0.21)	$ (0.83)	$ 7.48		1	32,249	36,772	(4,523)	(153,329)	(8,977)	32,249		68	11.92	1.21	0.301	0.786	14.21
0	69	9	$967,116		$ 22,850	$ - 0	$ 10,000	$ - 0	($50,199)	($20,762)	$ 52,470	$ 948,624		$83,049															69	983,434	32,850	(48,778)	(20,407)	53,529	967,778	(81,628)				82	$ 7.48	$ 0.41	$ (0.20)	$ (0.81)	$ 8.08		1	32,850	37,765	(4,916)	(167,222)	(9,791)	32,850		69	14.21	1.24	0.309	0.923	16.68
0	70	10	$948,624		$ 23,467	$ 12,000	$ 10,000	$ - 0	($39,824)	($21,323)	$ 51,962	$ 939,439		$85,291															70	967,778	45,467	(38,365)	(20,958)	53,190	961,645	(83,832)				81	$ 8.08	$ 0.45	$ (0.20)	$ (0.79)	$ 8.62		1	45,467	38,785	6,682	(170,331)	(9,973)	45,467		70	16.68	1.27	0.318	1.070	19.34
0	71	11	$939,439		$ 24,100	$ 12,324	$ 10,000	$ - 0	($41,170)	($21,898)	$ 51,312	$ 927,683		$87,594				1											71	961,645	46,424	(39,671)	(21,524)	52,721	953,172	(86,095)				80	$ 8.62	$ 0.48	$ (0.19)	$ (0.77)	$ 9.10		1	46,424	39,832	6,592	(173,711)	(10,171)	46,424		71	19.34	1.31	0.326	1.228	22.20
0	72	12	$927,683		$ 24,751	$ 12,657	$ 10,000	$ - 0	($42,551)	($22,490)	$ 50,508	$ 913,150		$89,959				How long will my retirement funds last?											72	953,172	47,408	(41,012)	(22,105)	52,113	942,167	(88,420)				79	$ 9.10	$ 0.50	$ (0.19)	$ (0.75)	$ 9.53		1	47,408	40,908	6,500	(177,382)	(10,386)	47,408		72	22.20	1.34	0.335	1.398	25.28
0	73	13	$913,150		$ 25,419	$ 12,998	$ 10,000	$ - 0	($43,970)	($23,097)	$ 49,538	$ 895,621		$92,388															73	942,167	48,418	(42,390)	(22,702)	51,353	928,428	(90,807)				78	$ 9.53	$ 0.53	$ (0.18)	$ (0.73)	$ 9.91		1	48,418	42,012	6,406	(181,362)	(10,619)	48,418		73	25.28	1.38	0.344	1.581	28.58
0	74	14	$895,621		$ 26,106	$ 13,349	$ 10,000	$ - 0	($45,427)	($23,721)	$ 48,390	$ 874,863		$94,882															74	928,428	49,455	(43,804)	(23,315)	50,430	911,739	(93,259)				77	$ 9.91	$ 0.55	$ (0.18)	$ (0.71)	$ 10.24		1	49,455	43,146	6,309	(185,672)	(10,871)	49,455		74	28.58	1.41	0.353	1.777	32.12
0	75	15	$874,863		$ 26,810	$ 13,710	$ 10,000	$ - 0	($46,924)	($24,361)	$ 47,050	$ 850,628		$97,444				Am I saving enough today?											75	911,739	50,520	(45,257)	(23,944)	49,331	891,869	(95,777)				76	$ 10.24	$ 0.57	$ (0.17)	$ (0.69)	$ 10.54		1	50,520	44,311	6,209	(190,334)	(11,144)	50,520		75	32.12	1.45	0.363	1.987	35.92
0	76	16	$850,628		$ 27,534	$ 14,080	$ 10,000	$ - 0	($48,461)	($25,019)	$ 45,502	$ 822,651		$100,075															76	891,869	51,614	(46,749)	(24,591)	48,042	868,572	(98,363)				75	$ 10.54	$ 0.58	$ (0.17)	$ (0.67)	$ 10.79		1	51,614	45,508	6,107	(195,372)	(11,439)	51,614		76	35.92	1.49	0.37	2.213	40.00
0	77	17	$822,651		$ 28,278	$ 14,460	$ 10,000	$ - 0	($50,039)	($25,694)	$ 43,732	$ 790,649		$102,777															77	868,572	52,738	(48,281)	(25,255)	46,549	841,585	(101,019)				74	$ 10.79	$ 0.60	$ (0.16)	$ (0.65)	$ 11.01		1	52,738	46,737	6,001	(200,810)	(11,757)	52,738		77	40.00	1.53	0.38	2.454	44.37
0	78	18	$790,649		$ 29,041	$ 14,851	$ 10,000	$ - 0	($51,660)	($26,388)	$ 41,723	$ 754,324		$105,552				How much will I be be able to withdraw?											78	841,585	53,892	(49,854)	(25,937)	44,837	810,631	(103,746)				73	$ 11.01	$ 0.61	$ (0.16)	$ (0.64)	$ 11.20		1	53,892	47,998	5,894	(206,673)	(12,101)	53,892		78	44.37	1.57	0.39	2.713	49.05
0	79	19	$754,324		$ 29,825	$ 15,252	$ 10,000	$ - 0	($53,325)	($27,100)	$ 39,457	$ 713,355		$108,402															79	810,631	55,077	(51,471)	(26,637)	42,889	775,413	(106,548)				72	$ 11.20	$ 0.62	$ (0.15)	$ (0.62)	$ 11.35		1	55,077	49,294	5,783	(212,992)	(12,471)	55,077		79	49.05	1.62	0.40	2.990	54.06
0	80	20	$713,355		$ 30,631	$ 15,663	$ 10,000	$ - 0	($55,035)	($27,832)	$ 36,915	$ 667,404		$111,329															80	775,413	56,294	(53,130)	(27,356)	40,688	735,615	(109,424)				71	$ 11.35	$ 0.63	$ (0.15)	$ (0.60)	$ 11.48		1	56,294	50,625	5,669	(219,793)	(12,869)	56,294		80	54.06	1.66	0.41	3.287	59.42
0	81	21	$667,404		$ 31,458	$ 16,086	$ 10,000	$ - 0	($56,791)	($28,584)	$ 34,078	$ 616,107		$114,335				How soon can I retire?											81	735,615	57,544	(54,835)	(28,095)	38,215	690,900	(112,379)				70	$ 11.48	$ 0.63	$ (0.15)	$ (0.59)	$ 11.58		1	57,544	51,992	5,552	(227,110)	(13,297)	57,544		81	59.42	1.70	0.43	3.604	65.15
0	82	22	$616,107		$ 32,307	$ 16,521	$ 10,000	$ - 0	($58,594)	($29,355)	$ 30,924	$ 559,081		$117,422															82	690,900	58,828	(56,585)	(28,853)	35,450	640,911	(115,413)				69	$ 11.58	$ 0.64	$ (0.14)	$ (0.57)	$ 11.65		1	58,828	53,396	5,432	(234,976)	(13,758)	58,828		82	65.15	1.75	0.44	3.943	71.28
0	83	23	$559,081		$ 33,179	$ 16,967	$ 10,000	$ - 0	($60,446)	($30,148)	$ 27,430	$ 495,917		$120,592															83	640,911	60,146	(58,383)	(29,632)	32,372	585,268	(118,529)				68	$ 11.65	$ 0.64	$ (0.14)	$ (0.56)	$ 11.70		1	60,146	54,838	5,308	(243,426)	(14,253)	60,146		83	71.28	1.80	0.45	4.305	77.83
0	84	24	$495,917		$ 34,075	$ 17,425	$ 10,000	$ - 0	($62,348)	($30,962)	$ 23,573	$ 426,180		$123,848															84	585,268	61,500	(60,229)	(30,432)	28,959	523,566	(121,729)				67	$ 11.70	$ 0.65	$ (0.14)	$ (0.54)	$ 11.73		1	61,500	56,318	5,182	(252,496)	(14,784)	61,500		84	77.83	1.85	0.46	4.692	84.83
0	85	25	$426,180		$ 34,995	$ 17,895	$ 10,000	$ - 0	($64,301)	($31,798)	$ 19,326	$ 349,406		$127,192															85	523,566	62,891	(62,126)	(31,254)	25,187	455,373	(125,016)				66	$ 11.73	$ 0.65	$ (0.13)	$ (0.53)	$ 11.74		1	62,891	57,839	5,052	(262,229)	(15,353)	62,891		85	84.83	1.90	0.47	5.106	92.31
0	86	26	$349,406		$ 35,940	$ 18,378	$ 10,000	$ - 0	($66,308)	($32,657)	$ 14,663	$ 265,106		$130,626															86	455,373	64,319	(64,073)	(32,098)	21,031	380,234	(128,392)				65	$ 11.74	$ 0.65	$ (0.13)	$ (0.51)	$ 11.74		1	64,319	59,401	4,918	(272,664)	(15,964)	64,319		86	92.31	1.95	0.49	5.547	100.29
0	87	27	$265,106		$ 36,911	$ 18,875	$ 10,000	$ - 0	($68,368)	($33,538)	$ 9,555	$ 172,755		$134,153															87	380,234	65,785	(66,073)	(32,965)	16,464	297,660	(131,858)				64	$ 11.74	$ 0.65	$ (0.13)	$ (0.50)	$ 11.71		1	65,785	61,004	4,781	(283,848)	(16,619)	65,785		87	100.29	2.00	0.50	6.018	108.80
0	88	28	$172,755		$ 37,907	$ 19,384	$ 10,000	$ - 0	($70,484)	($34,444)	$ 3,971	$ 71,798		$137,775															88	297,660	67,291	(68,127)	(33,855)	11,457	207,136	(135,418)				63	$ 11.71	$ 0.65	$ (0.12)	$ (0.49)	$ 11.67		1	67,291	62,652	4,640	(295,827)	(17,321)	67,291		88	108.80	2.05	0.51	6.521	117.89
1	89	29	$71,798		$ 38,931	$ 19,908	$ 10,000	$ - 0	($72,657)	($35,374)	$ - 0	$ (36,232)		$141,495															89	207,136	68,838	(70,236)	(34,769)	5,980	108,110	(139,075)				62	$ 11.67	$ 0.65	$ (0.12)	$ (0.47)	$ 11.62		1	68,838	64,343	4,495	(308,653)	(18,072)	68,838		89	117.89	2.11	0.53	7.057	127.58
0	90	30	($36,232)		$ 39,982	$ 20,445	$ 10,000	$ - 0	($74,889)	($36,329)	$ - 0	$ (147,450)		$145,316															90	108,110	70,427	(72,403)	(35,707)	(0)	(0)	(142,830)				61	$ 11.62	$ 0.64	$ (0.12)	$ (0.46)	$ 11.55		1	70,427	66,080	4,347	(322,378)	(18,875)	70,427		90	127.58	2.17	0.54	7.628	137.92
0	91	31	($147,450)		$ 41,061	$ 20,997	$ 10,000	$ - 0	($77,181)	($37,310)	$ - 0	$ (261,940)		$149,239															91	(0)	72,058	(74,628)	(36,672)	(6,517)	(117,816)	(146,686)				60	$ 11.55	$ 0.64	$ (0.11)	$ (0.45)	$ 11.48		- 0	72,058	67,865	4,194	(337,059)	(19,735)	72,058		91	137.92	2.22	0.56	8.238	148.94
0	92	32	($261,940)		$ 42,170	$ 21,564	$ 10,000	$ - 0	($79,535)	($38,317)	$ - 0	$ (379,792)		$153,269															92	(117,816)	73,734	(76,913)	(37,662)	(13,606)	(245,996)	(150,647)				59	$ 11.48	$ 0.63	$ (0.11)	$ (0.44)	$ 11.39		- 0	73,734	69,697	4,037	(352,757)	(20,654)	73,734		92	148.94	2.28	0.57	8.887	160.68
0	93	33	($379,792)		$ 43,308	$ 22,146	$ 10,000	$ - 0	($81,952)	($39,352)	$ - 0	$ (501,096)		$157,407															93	(245,996)	75,455	(79,259)	(38,679)	(21,308)	(385,243)	(154,714)				58	$ 11.39	$ 0.63	$ (0.11)	$ (0.43)	$ 11.29		- 0	75,455	71,579	3,876	(369,535)	(21,636)	75,455		93	160.68	2.35	0.59	9.579	173.19
0	94	34	($501,096)		$ 44,478	$ 22,744	$ 10,000	$ - 0	($84,435)	($40,414)	$ - 0	$ (625,944)		$161,657															94	(385,243)	77,222	(81,669)	(39,723)	(29,663)	(536,298)	(158,891)				57	$ 11.29	$ 0.62	$ (0.10)	$ (0.42)	$ 11.19		- 0	77,222	73,511	3,711	(387,460)	(22,686)	77,222		94	173.19	2.41	0.60	10.317	186.52
0	95	35	($625,944)		$ 45,679	$ 23,358	$ 10,000	$ - 0	($86,984)	($41,505)	$ - 0	$ (754,434)		$166,021															95	(536,298)	79,037	(84,144)	(40,795)	(38,715)	(699,953)	(163,181)				56	$ 11.19	$ 0.62	$ (0.10)	$ (0.40)	$ 11.07		- 0	79,037	75,496	3,541	(406,605)	(23,807)	79,037		95	186.52	2.47	0.62	11.102	200.71
0	96	36	($754,434)		$ 46,912	$ 23,989	$ 10,000	$ - 0	($89,603)	($42,626)	$ - 0	$ (886,663)		$170,504															96	(699,953)	80,901	(86,686)	(41,897)	(48,511)	(877,047)	(167,587)				55	$ 11.07	$ 0.61	$ (0.10)	$ (0.39)	$ 10.95		- 0	80,901	77,535	3,367	(427,045)	(25,003)	80,901		96	200.71	2.54	0.64	11.938	215.83
0	97	37	($886,663)		$ 48,179	$ 24,637	$ 10,000	$ - 0	($92,292)	($43,777)	$ - 0	$ (1,022,732)		$175,108															97	(877,047)	82,815	(89,297)	(43,028)	(59,099)	(1,068,470)	(172,112)				54	$ 10.95	$ 0.61	$ (0.10)	$ (0.38)	$ 10.83		- 0	82,815	79,628	3,187	(448,861)	(26,281)	82,815		97	215.83	2.61	0.65	12.828	231.91
0	98	38	($1,022,732)		$ 49,479	$ 25,302	$ 10,000	$ - 0	($95,054)	($44,959)	$ - 0	$ (1,162,745)		$179,836															98	(1,068,470)	84,781	(91,978)	(44,190)	(70,532)	(1,275,170)	(176,759)				53	$ 10.83	$ 0.60	$ (0.09)	$ (0.37)	$ 10.69		- 0	84,781	81,778	3,004	(472,138)	(27,644)	84,781		98	231.91	2.68	0.67	13.775	249.04
0	99	39	($1,162,745)		$ 50,815	$ 25,985	$ 10,000	$ - 0	($97,891)	($46,173)	$ - 0	$ (1,306,809)		$184,691																																									99	249.04	2.75	0.69	14.783	267.26
0	100	40	($1,306,809)		$ 52,187	$ 26,687	$ 10,000	$ - 0	($100,804)	($47,419)	$ - 0	$ (1,455,032)		$189,678																																									100	267.26	2.83	0.71	15.855	286.65
0	101	41	($1,455,032)		$ 53,596	$ 27,407	$ 10,000	$ - 0	($103,795)	($48,700)	$ - 0	$ (1,607,527)		$194,799
0	102	42	($1,607,527)		$ 55,044	$ 28,147	$ 10,000	$ - 0	($106,868)	($50,015)	$ - 0	$ (1,764,410)		$200,059
0	103	43	($1,764,410)		$ 56,530	$ 28,907	$ 10,000	$ - 0	($110,023)	($51,365)	$ - 0	$ (1,925,798)		$205,460
0	104	44	($1,925,798)		$ 58,056	$ 29,688	$ 10,000	$ - 0	($113,264)	($52,752)	$ - 0	$ (2,091,814)		$211,008
0	105	45	($2,091,814)		$ 59,624	$ 30,489	$ 10,000	$ - 0	($116,592)	($54,176)	$ - 0	$ (2,262,582)		$216,705
0	106	46	($2,262,582)		$ 61,233	$ 31,312	$ 10,000	$ - 0	($120,010)	($55,639)	$ - 0	$ (2,438,231)		$222,556
0	107	47	($2,438,231)		$ 62,887	$ 32,158	$ 10,000	$ - 0	($123,520)	($57,141)	$ - 0	$ (2,618,893)		$228,565
0	108	48	($2,618,893)		$ 64,585	$ 33,026	$ 10,000	$ - 0	($127,125)	($58,684)	$ - 0	$ (2,804,702)		$234,736
0	109	49	($2,804,702)		$ 66,328	$ 33,918	$ 10,000	$ - 0	($130,828)	($60,269)	$ - 0	$ (2,995,798)		$241,074
0	110	50	($2,995,798)		$ 68,119	$ 34,834	$ 10,000	$ - 0	($134,630)	($61,896)	$ - 0	$ (3,192,324)		$247,583