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Start Income:
80000After Tax Invest:5000Tax Deferred Invest:100,000Not for Financial Planning!Don't change cells that have this background color. They are formulas.Put starting values in cells with this background color
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YearAgeTotal Spendable Income (inflate$)Total Spending (inflate$)EOY After Tax Invest (inflate$)EOY Tax Defer Invest (inflate$)After Tax Invest Withdrawal (inflate$)Net Tax Defer Invest Withdrawal (inflate$)Annual Inflatable After Tax Spending (today$)One Time After Tax Spending (today$)Annual Constant After Tax Spending (constant$)Annual Constant Before Tax Spending (constant$)One Time Tax Defer Contribution (inflate$)Taxable Earnings Change PercentOne Time Taxable Earnings (today$)One Time Non Taxable Income (today$)Social Security Income (today$)Tax Defer Contribution RateEmployer Tax Defer Contribution RateAfter Tax Invest RateTax Defered Invest RateIncome Tax RateInflation RateInflation MultiplierEarnings (inflate$)Total Taxable Income (inflate$)Total Tax (inflate$)After Tax Usable Income (inflate$)Total After Tax Spending (inflate$)Annual Balance (inflate$)After Tax Invest After Interest (inflate$)After Tax Invest Withdrawal (inflate$)Tax Defer Invest After Interest & Contributions (inflate$)Tax Defer Invest Withdrawals Taxed (inflate$)Net Tax Defer Invest Withdrawal (inflate$)Tax Defer Invest EOY (inflate$)Net Annual Balance (inflate$)After Tax Invest EOY (inflate$)
3
20185062,92862,2285,775110,6240050,0004,0008,2287,07803.50%0005.00%3.00%1.50%4.00%20.00%2.00%1.0082,80078,66015,73262,92862,2287005,0750110,62400110,6247005,775
4
20195165,13059,98411,008121,9050050,50008,4746,83103.50%0005.00%3.00%1.50%4.00%20.00%2.00%1.0285,69881,41316,28365,13059,9845,1465,8620121,90500121,9055,14611,008
5
20205267,41061,79416,789133,8770051,00508,7296,57703.50%0005.00%3.00%1.50%4.00%20.00%2.00%1.0488,69784,26316,85367,41061,7945,61611,1730133,87700133,8775,61616,789
6
20215369,76968,96517,845146,5760051,5155,0008,9916,31503.50%0005.00%3.00%1.50%4.00%20.00%2.00%1.0691,80287,21217,44269,76968,96580517,0410146,57600146,57680517,845
7
20225472,21169,90920,415160,0400052,0304,0009,2606,04603.50%0005.00%3.00%1.50%4.00%20.00%2.00%1.0895,01590,26418,05372,21169,9092,30218,1130160,04000160,0402,30220,415
8
20235574,73978,59916,861174,3093,860052,55110,0009,5385,76803.50%0005.00%3.00%1.50%4.00%20.00%2.00%1.1098,34093,42318,68574,73978,599-3,86020,7223,860174,30900174,309016,861
9
20245677,35569,59624,872189,4240053,07609,8245,48203.50%0005.00%3.00%1.50%4.00%20.00%2.00%1.13101,78296,69319,33977,35569,5967,75817,1140189,42400189,4247,75824,872
10
20255780,06271,69633,611205,4290053,607010,1195,18703.50%0005.00%3.00%1.50%4.00%20.00%2.00%1.15105,345100,07720,01580,06271,6968,36625,2460205,42900205,4298,36633,611
11
20265882,86478,54638,434222,3680054,1434,00010,4224,88303.50%0005.00%3.00%1.50%4.00%20.00%2.00%1.17109,032103,58020,71682,86478,5464,31834,1150222,36800222,3684,31838,434
12
20275985,76482,06342,711240,2910054,6845,00010,7354,57103.50%0005.00%3.00%1.50%4.00%20.00%2.00%1.20112,848107,20621,44185,76482,0633,70139,0100240,29100240,2913,70142,711
13
20286088,76690,57441,544259,2461,807055,23110,00011,0574,24903.50%0005.00%3.00%1.50%4.00%20.00%2.00%1.22116,798110,95822,19288,76690,574-1,80743,3521,807259,24600259,246041,544
14
20296183,87380,06245,979289,2870055,231011,3893,91710,0003.50%0005.00%3.00%1.50%4.00%20.00%2.00%1.24120,885104,84120,96883,87380,0623,81142,1680289,28700289,2873,81145,979
15
20306287,08986,85046,907320,8680055,2314,00011,7313,57510,0003.50%0005.00%3.00%1.50%4.00%20.00%2.00%1.27125,116108,86121,77287,08986,85023946,6680320,86800320,86823946,907
16
20316390,41783,53054,497354,0620055,231012,0833,22310,0003.50%0005.00%3.00%1.50%4.00%20.00%2.00%1.29129,496113,02122,60490,41783,5306,88747,6100354,06200354,0626,88754,497
17
20326493,86198,51650,660388,9474,655055,23110,00012,4452,86110,0003.50%0005.00%3.00%1.50%4.00%20.00%2.00%1.32134,028117,32723,46593,86198,516-4,65555,3154,655388,94700388,947050,660
18
20336597,42693,88154,965425,6020055,2315,00012,8182,48710,0003.50%0005.00%3.00%1.50%4.00%20.00%2.00%1.35138,719121,78324,35797,42693,8813,54551,4200425,60200425,6023,54554,965
19
203466101,11694,51562,391464,1120055,2314,00013,2032,10310,0003.50%0005.00%3.00%1.50%4.00%20.00%2.00%1.37143,574126,39525,279101,11694,5156,60255,7890464,11200464,1126,60262,391
20
203567104,93590,93677,326504,5650055,231013,5991,70710,0003.50%0005.00%3.00%1.50%4.00%20.00%2.00%1.40148,599131,16926,234104,93590,93613,99963,3270504,56500504,56513,99977,326
21
20366840,06092,56025,986534,74752,500045,00010,00014,0071,29910,000-100.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%1.43047,1307,06940,06092,560-52,50078,48652,500534,74700534,747025,986
22
20376949,53279,9840551,34126,3764,79645,000014,42787900.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%1.46058,2728,74149,53279,984-30,45226,37626,376556,1374,0764,796551,34100
23
20387050,52287,6710529,690043,70545,0004,00014,86044600.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%1.49059,4388,91650,52287,671-37,14900573,39537,14943,705529,69000
24
20397151,53368,2050531,263019,61545,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%1.52060,6279,09451,53368,205-16,67200550,87816,67219,615531,26300
25
20407252,56369,5690532,507020,00745,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%1.55061,8399,27652,56369,569-17,00600552,51417,00620,007532,50700
26
20417353,61570,9600533,400020,40745,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%1.58063,0769,46153,61570,960-17,34600553,80717,34620,407533,40000
27
20427454,68794,8980507,429047,30745,00014,0000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%1.61064,3379,65154,68794,898-40,21100554,73640,21147,307507,42900
28
20437555,78173,8270506,495021,23145,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%1.64065,6249,84455,78173,827-18,04700527,72618,04721,231506,49500
29
20447656,89675,3040505,099021,65645,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%1.67066,93710,04156,89675,304-18,40800526,75518,40821,656505,09900
30
20457758,03476,8100503,214022,08945,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%1.71068,27510,24158,03476,810-18,77600525,30318,77622,089503,21400
31
20467859,19585,3100492,618030,72445,0004,0000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%1.74069,64110,44659,19585,310-26,11500523,34226,11530,724492,61800
32
20477960,37979,9130489,342022,98245,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%1.78071,03410,65560,37979,913-19,53400512,32319,53422,982489,34200
33
20488061,58699,6250464,164044,75145,00010,0000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%1.81072,45410,86861,58699,625-38,03900508,91538,03944,751464,16400
34
20498162,81890,5320450,126032,60545,0004,0000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%1.85073,90411,08662,81890,532-27,71400482,73027,71432,605450,12600
35
20508264,07484,8040443,743024,38845,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%1.88075,38211,30764,07484,804-20,73000468,13120,73024,388443,74300
36
20518365,35686,5000436,617024,87645,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%1.92076,88911,53365,35686,500-21,14500461,49321,14524,876436,61700
37
20528466,66388,2300428,708025,37345,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%1.96078,42711,76466,66388,230-21,56700454,08121,56725,373428,70800
38
2053851,067,941169,991897,950445,8560085,00000000.00%0500,00040,0005.00%3.00%1.50%4.00%15.00%2.00%2.00079,99611,9991,067,941169,991897,95000445,85600445,856897,950897,950
39
20548669,356173,390807,385463,690104,034085,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.04081,59512,23969,356173,390-104,034911,420104,034463,69000463,6900807,385
40
20558770,743176,858713,381482,238106,115085,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.08083,22712,48470,743176,858-106,115819,496106,115482,23800482,2380713,381
41
20568872,158180,395615,845501,528108,237085,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.12084,89212,73472,158180,395-108,237724,082108,237501,52800501,5280615,845
42
20578973,601184,003514,680521,589110,402085,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.16086,59012,98873,601184,003-110,402625,082110,402521,58900521,5890514,680
43
20589075,073187,683409,791542,452112,610085,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.21088,32213,24875,073187,683-112,610522,401112,610542,45200542,4520409,791
44
20599176,575191,437301,075564,150114,862085,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.25090,08813,51376,575191,437-114,862415,937114,862564,15000564,1500301,075
45
20609278,106195,266188,432586,716117,159085,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.30091,89013,78378,106195,266-117,159305,591117,159586,71600586,7160188,432
46
20619379,668199,17171,756610,185119,503085,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.34093,72814,05979,668199,171-119,503191,258119,503610,18500610,185071,756
47
20629481,262203,1550576,87472,83257,71885,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.39095,60214,34081,262203,155-121,89372,83272,832634,59249,06157,718576,87400
48
20639582,887207,2180453,6780146,27185,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.44097,51414,62782,887207,218-124,33100599,949124,331146,271453,67800
49
20649684,545211,3620322,6280149,19785,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.49099,46414,92084,545211,362-126,81700471,825126,817149,197322,62800
50
20659786,236215,5890183,3530152,18185,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.540101,45415,21886,236215,589-129,35400335,533129,354152,181183,35300
51
20669887,960219,901035,4620155,22485,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.590103,48315,52287,960219,901-131,94100190,687131,941155,22435,46200
52
20679989,720224,29900036,88185,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.640105,55215,83389,720224,299-134,5790036,88131,34936,8810-103,2310
53
206810091,514228,785000085,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.690107,66416,15091,514228,785-137,271000000-137,2710
54
206910193,344233,361000085,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.750109,81716,47393,344233,361-140,016000000-140,0160
55
207010295,211238,028000085,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.800112,01316,80295,211238,028-142,817000000-142,8170
56
207110397,115242,788000085,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.860114,25317,13897,115242,788-145,673000000-145,6730
57
207210499,058247,644000085,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.910116,53817,48199,058247,644-148,587000000-148,5870
58
2073105101,039252,597000085,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%2.970118,86917,830101,039252,597-151,558000000-151,5580
59
2074106103,060257,649000085,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%3.030121,24718,187103,060257,649-154,589000000-154,5890
60
2075107105,121262,802000085,00000000.00%0040,0005.00%3.00%1.50%4.00%15.00%2.00%3.090123,67218,551105,121262,802-157,681000000-157,6810
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