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ABCDEFGHIJKLMNOPQRSTUVWXYZAB
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No
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YouSpouseTotalRegressive Tax Witholdings
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Current Age2528Social Sec. (until ~100k)6.20%Regressive Tax Witholdings Starting Base$68,000.00100.00%
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Max 401k Employer Match as % of base salary1.50%0.00%State Income Tax5.00%Social Sec. (until ~100k)6.26.20%Adj for Inflation @ 5$76,935.76113.14%
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Current Roth Principle$10,000.00$10,000.00$20,000.00FICA4.50%State Income Tax5.35 - 7.850.00%Adj for Inflation @ 10$87,045.75128.01%2500038900$75,000.00$60,000.00Yes
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Current RRSP Principle$0.00$0.00$0.00Total15.70%FICA1.51.50%Adj for Inflation @ 15$98,484.28144.83%$28,285.21$44,011.78$84,855.62$67,884.49No$1,020.00
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Current Investment Principle$0.00$0.00$0.00Deductions7.70%Adj for Inflation @ 20$111,425.92163.86%$32,002.11$49,795.29$96,006.34$76,805.07$1,350.00
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Current Personal Liquid Savings$5,000.00$5,000.00$10,000.00Standard$7,500.00DeductionsAdj for Inflation @ 25$126,068.20185.39%$36,207.45$56,338.80$108,622.36$86,897.89$1,575.00
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Employer 401k Match % (first 4 years)1.50%0.00%Personal$14,800.00Standard$5,800.00Adj for Inflation @ 30$142,634.60209.76%$40,965.41$63,742.18$122,896.23$98,316.99$1,800.00
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Employer 401k match %1.50%0.00%Standard + personal$22,300.00Personal$5,000.00Adj for Inflation @ 35$161,377.95237.32%0$2,100.00
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Current Base Salary$68,000.00$100,000.00$168,000.00Max 401k$17,000.00Standard + personal$10,800.00Adj for Inflation @ 40$182,584.34268.51%
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Salary in 5 yrs$90,000.00$160,000.00$250,000.00Max Roth Contribution$5,000.00401k$16,500.00
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Salary in 10 yrs$105,000.00$160,000.00$265,000.00Average Tax Rate (1-Tax)0.65
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salary in 15 yrs$120,000.00$160,000.00$280,000.00Capitol Gains Tax0.85
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salary in 20 yrs$140,000.00$160,000.00$300,000.00Average Rate of Inflation2.50%RateTax Brackets (top)CurrentIn 5 YearsIn 10 YearsIn 15 YearsIn 20 Years
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Current Annual Contribution to Investments$5,000.00$5,000.00$10,000.00Savings Interest Rate (I-Bonds)3.50%Taxable Income$40,200.00$62,200.00$77,200.00$92,200.00$112,200.00
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Investments in 5 years$5,000.00$5,000.00$10,000.00Roth Interest Rate6.00%10%$8,500.00$850.00$850.00$850.00$850.00$850.00
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Investments in 10 Years$5,000.00$5,000.00$10,000.00401k Interest Rate6.00%15%$34,500.00$3,900.00$3,900.00$3,900.00$3,900.00$3,900.00
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Investments in 15 Years$5,000.00$5,000.00$10,000.00Investment Interest Rate6.00%25%$83,600.00$1,425.00$6,925.00$10,675.00$12,275.00$12,275.00
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Investments in 20 years$5,000.00$5,000.00$10,000.00Your 401k28%$174,400.00$0.00$0.00$0.00$2,408.00$8,008.00
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Target Emergency Fund Balance$32,000.00$0.00$32,000.00Contribution to 401k (minimum for max match)$1,020.00Max Contribution?yes33%$379,150.00$0.00$0.00$0.00$0.00$0.00
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Current Annual Contribution to Roth $0.00$5,000.00$5,000.00Additional 401k Contribution$15,980.00Other Amount$0.0035%$1,000,000.00$0.00$0.00$0.00$0.00$0.00
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Roth in 5 Years$0.00$0.00401k in 5 Years (minimum for max match)$1,350.00Max?yesTotal$6,175.00$11,675.00$15,425.00$19,433.00$25,033.00
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Roth in 10 Years$0.00$0.00Add 401k yr 6-10$15,650.00Other Amount$0.00Effective Fed.15.361%18.77%19.98%21.077%22.311%
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Roth in 15 Years$0.00$0.00401k In 10 Years (minimum for max match)$1,575.00Max?yesRegressive7.70%7.70%7.70%7.70%7.70%
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Roth in 20 years$0.00$0.00Add 401k yr 11-15$15,425.00Other Amount$0.00Final23.061%26.470%27.681%28.777%30.011%
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Estimate of Current Year Expenses401k In 15 Years (minimum for max match)$1,800.00Max?yesTax Paid$9,270.400$16,464.400$21,369.400$26,532.400$33,672.400
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Pretax Investment$17,000.00$17,000.00$34,000.00Add 401k yr 16-20$15,200.00Other Amount$0.00
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Personal and Standard Deductions$10,800.00$0.00$10,800.00401k in 20 Years (minimum for max match)$2,100.00Max?yes
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Taxable income$40,200.00$83,000.00$123,200.00Add 401k yr 21+$14,900.00Other Amount$0.00
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Taxes$9,270.40$0.00Spouse 401k
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income after taxes (add deductions back)$41,729.60$83,000.00$124,729.60Contribution to 401k (minimum for max match)$0.00Max Contribution?yes
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Post Tax Investment$5,000.00$10,000.00$15,000.00Additional 401k Contribution$17,000.00Other Amount$0.0027153.79711
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Income after investments$36,729.60$73,000.00$109,729.60401k in 5 Years (minimum for max match)$0.00Max?yes30722.02906
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expected expenses$29,383.68$58,400.00$87,783.68Add 401k yr 6-10$17,000.00Other Amount$0.0034759.156
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extra money$7,345.92$14,600.00$21,945.92401k In 10 Years (minimum for max match)$0.00Max?yes0.884
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additional savings$2,203.78$4,380.00$6,583.78Add 401k yr 11-15$17,000.00Other Amount$0.001.134
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Total Money Saved/Invested Per Year$24,203.78$31,380.00$55,583.78401k In 15 Years (minimum for max match)$0.00Max?yes
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Estimate of Expenses in 5 yearsAdd 401k yr 16-20$17,000.00Other Amount$0.00
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Pretax Investment$17,000.00$17,000.00$34,000.00401k in 20 Years (minimum for max match)$0.00Max?yes
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Personal and Standard Deductions$10,800.00$0.00$10,800.00Add 401k yr 21+$17,000.00Other Amount$0.00
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Taxable income$62,200.00$143,000.00$205,200.00*Current Max contribution to Roth is 5k
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Taxes$16,464.40$0.00$16,464.40*Current Max for 401k is 16.5k
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income after taxes (add deductions back)$56,535.60$143,000.00$199,535.60
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Post Tax Investment$5,000.00$5,000.00$10,000.00
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Income after investments$51,535.60$138,000.00$189,535.60
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expected expenses$41,228.48$110,400.00$151,628.48
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extra money$10,307.12$27,600.00$37,907.12
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additional savings$3,092.14$8,280.00$11,372.14
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Total Money Saved/Invested Per Year$25,092.14$30,280.00$55,372.14
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Estimate of Expenses in 10 years
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Pretax Investment$17,000.00$17,000.00$34,000.00
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Personal and Standard Deductions$10,800.00$0.00$10,800.00
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Taxable income$77,200.00$143,000.00$220,200.00
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Taxes$21,369.40$0.00$21,369.40
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income after taxes (add deductions back)$66,630.60$143,000.00$209,630.60
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Post Tax Investment$5,000.00$5,000.00$10,000.00
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Income after investments$61,630.60$138,000.00$199,630.60
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expected expenses$49,304.48$110,400.00$159,704.48
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extra money$12,326.12$27,600.00$39,926.12
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additional savings$3,697.84$8,280.00$11,977.84
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Total Money Saved/Invested Per Year$25,697.84$30,280.00$55,977.84
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Estimate of Expenses in 15 years
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Pretax Investment$17,000.00$17,000.00$34,000.00
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Personal and Standard Deductions$10,800.00$0.00$10,800.00
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$92,200.00$143,000.00$235,200.00
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Taxes$26,532.40$0.00$26,532.40
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income after taxes (add deductions back)$76,467.60$143,000.00$219,467.60
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Post Tax Investment$5,000.00$5,000.00$10,000.00
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Income after investments$71,467.60$138,000.00$209,467.60
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expected expenses$57,174.08$110,400.00$167,574.08
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extra money$14,293.52$27,600.00$41,893.52
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additional savings$4,288.06$8,280.00$12,568.06
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Total Money Saved/Invested Per Year$26,288.06$30,280.00$56,568.06
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Estimate of Expenses in 20 years
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Pretax Investment$17,000.00$17,000.00$34,000.00
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Personal and Standard Deductions$10,800.00$0.00$10,800.00
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Taxable income$112,200.00$143,000.00$255,200.00
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Taxes$33,672.40$0.00$33,672.40
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income after taxes (add deductions back)$89,327.60$143,000.00$232,327.60
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Post Tax Investment$5,000.00$5,000.00$10,000.00
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Income after investments$84,327.60$138,000.00$222,327.60
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expected expenses$67,462.08$110,400.00$177,862.08
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extra money$16,865.52$27,600.00$44,465.52
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additional savings$5,059.66$8,280.00
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Total Money Saved/Invested Per Year$27,059.66$30,280.00
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Imput-Summary
Spouse Accounts by Year
Retirement Cash Flow Joint
Your Ret Cash Flow
Spouse Ret Cash
Joint Account Balances by Year
Your Accounts by Year
Yield