Simply Compounding
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ABCDEFGHIJKLMNOPQRSTUVWXYZ
1
Starting:$50,000.00
Ann Increase:
4.00%
see note to right
Starting:
$65,000.00Ann Increase:6.00%
Assumes increasing earnings per year
2
Bachelors Degree
Inv Return:7.50%
see note to right
Master's Degree
Inv Return:7.50%
Assumes SP500 earning net of inflation
3
Assumes 30% earnings premium for masters
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Starting YrYearlyEnd of YearMasters vsStarting YrYearlyEnd of Year
5
YearBalance10% SavingsBalanceBachelorsYearBalance15% SavingsBalanceNote
6
1202405,0005,188
Additional years in school
5% greater savings due to greater cash flow
7
220255,1885,20010,97230,000
cost of masters (in-state)
8
3202610,9725,40817,405(10,290)1202609,7507,116(3,000)
paying back masters cost
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4202717,4055,62424,546(9,174)220277,11610,33515,372(3,000)
net against savings for year
10
5202824,5465,84932,455(7,565)3202815,37210,95524,891(3,000)
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6202932,4556,08341,201(5,396)4202924,89111,61235,805(3,000)
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7203041,2016,32750,855(2,593)5203035,80512,30948,261(3,000)
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8203150,8556,58061,4959236203148,26113,04862,418(3,000)
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9203261,4956,84373,2075,2427203262,41813,83178,449(3,000)
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10203373,2077,11786,08110,4618203378,44914,66096,542(3,000)
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11203486,0817,401100,21616,6909203496,54215,540116,906(3,000)
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122035100,2167,697115,71824,046102035116,90616,472139,764(3,000)
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132036115,7188,005132,70232,660112036139,76417,461165,362
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142037132,7028,325151,29245,674122037165,36218,508196,966
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152038151,2928,658171,62260,471132038196,96619,619232,094
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162039171,6229,005193,83677,240142039232,09420,796271,076
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172040193,8369,365218,09096,187152040271,07622,044314,278
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182041218,0909,740244,552117,539162041314,27823,366362,091
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192042244,55210,129273,402141,543172042362,09124,768414,945
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202043273,40210,534304,836168,469182043414,94526,255473,305
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212044304,83610,956339,066198,611192044473,30527,830537,677
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222045339,06611,394376,317232,291202045537,67729,500608,608
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232046376,31711,850416,834269,862212046608,60831,270686,696
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242047416,83412,324460,883311,704222047686,69633,146772,587
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252048460,88312,817508,746358,237232048772,58735,134866,983
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262049508,74613,329560,731409,915242049866,98337,243970,646
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272050560,73113,862617,168467,234252050970,64639,4771,084,402
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282051617,16814,417678,413530,7342620511,084,40241,8461,209,147
34
292052678,41314,994744,850601,0032720521,209,14744,3561,345,853
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302053744,85015,593816,892678,6812820531,345,85347,0181,495,573
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312054816,89216,217894,984764,4652920541,495,57349,8391,659,448
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322055894,98416,866979,605859,1123020551,659,44852,8291,838,717
38
332056979,60517,5401,071,274963,4463120561,838,71755,9992,034,720
Year student becomes 65 / possible retirement
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