ABCDEFGHIJKLMNOPQRSTUVWXYZ
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2% Annual Return4% Annual Return
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AgeWFPYE BalanceRMD WithdrawalRMD %AgeWFPYE BalanceRMD WithdrawalRMD %
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6627.4$500,000$18,2483.6%6627.4$500,000$18,2483.6%
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6727.4$491,387$17,9343.6%6727.4$501,022$18,2853.6%
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6827.4$482,922$17,6253.6%6827.4$502,046$18,3233.6%
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6927.4$474,603$17,3213.6%6927.4$503,072$18,3603.6%
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7027.4$466,427$17,0233.6%7027.4$504,100$18,3983.6%
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7126.5$458,393$17,2983.8%7126.5$505,130$19,0623.8%
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7225.6$449,917$17,5753.9%7225.6$505,512$19,7473.9%
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7324.7$440,989$17,8544.0%7324.7$505,196$20,4534.0%
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7423.8$431,598$18,1344.2%7423.8$504,132$21,1824.2%
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7522.9$421,733$18,4164.4%7522.9$502,268$21,9334.4%
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7622$411,383$18,6994.5%7622$499,548$22,7074.5%
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7721.2$400,537$18,8934.7%7721.2$495,915$23,3924.7%
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7820.3$389,277$19,1764.9%7820.3$491,424$24,2084.9%
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7919.5$377,502$19,3595.1%7919.5$485,905$24,9185.1%
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8018.7$365,306$19,5355.3%8018.7$479,426$25,6385.3%
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Note: You will first need to make a copy of this Google sheet in your personal Google Drive before you can edit it for use in your situation. Use the File => Make a Copy command in the top toolbar.
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Information and Instructions:
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1)Enter your retirement savings account balance in cell C5 (shown in red)
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2)The spreadsheet will automatically calcuate the other variable fields
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3)If you want to change the age range, or RMD (WF), you will need to do that manually.
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4) If you want to model a different rate of return (e.g., 6% instead of 4%), you will need to change the multiplier in the formula in cells I5 thru I19
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5)You can run the model out past age 80 by entering the RMD WF from the IRS RMD Table that applies to you, and copying the formula from row 19 in columns I, J, and K.
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