Retirement savings and withdrawals
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rate of return0.05
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inflation rate0.03
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starting 401k contributions
$9,000.00
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annual cost of living for retirement in today's $
$20,000.00
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tax rate on retirement withdrawals
0.15
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years of saving35
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8
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Retirement savings
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Year
Contribution amount
Future value
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0$9,000.00$49,644.14
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1$9,270.00$48,698.54
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2$9,548.10$47,770.94
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3$9,834.54$46,861.02
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4$10,129.58$45,968.43
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5$10,433.47$45,092.84
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6$10,746.47$44,233.93
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7$11,068.86$43,391.38
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8$11,400.93$42,564.88
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9$11,742.96$41,754.12
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10$12,095.25$40,958.80
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11$12,458.10$40,178.63
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12$12,831.85$39,413.33
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13$13,216.80$38,662.60
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14$13,613.31$37,926.17
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15$14,021.71$37,203.76
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16$14,442.36$36,495.12
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17$14,875.63$35,799.97
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18$15,321.90$35,118.07
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19$15,781.55$34,449.15
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20$16,255.00$33,792.98
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21$16,742.65$33,149.30
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22$17,244.93$32,517.89
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23$17,762.28$31,898.50
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24$18,295.15$31,290.91
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25$18,844.00$30,694.89
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26$19,409.32$30,110.23
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27$19,991.60$29,536.70
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28$20,591.35$28,974.10
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29$21,209.09$28,422.21
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30$21,845.36$27,880.83
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31$22,500.72$27,349.77
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32$23,175.74$26,828.82
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33$23,871.02$26,317.80
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34$24,587.15$25,816.51
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Total savings$1,276,767.25
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Retirement withdrawals
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Year
Annual pre-tax cost of living
Savings left
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0$66,208.53$1,271,086.66
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1$68,194.78$1,263,036.47
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2$70,240.63$1,252,435.63
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3$72,347.85$1,239,092.18
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4$74,518.28$1,222,802.59
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5$76,753.83$1,203,351.20
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6$79,056.45$1,180,509.49
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7$81,428.14$1,154,035.42
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8$83,870.98$1,123,672.66
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9$86,387.11$1,089,149.82
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10$88,978.73$1,050,179.65
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11$91,648.09$1,006,458.14
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12$94,397.53$957,663.64
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13$97,229.46$903,455.89
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14$100,146.34$843,475.03
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15$103,150.73$777,340.52
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16$106,245.25$704,650.03
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17$109,432.61$624,978.29
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18$112,715.59$537,875.84
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19$116,097.06$442,867.72
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20$119,579.97$339,452.14
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21$123,167.37$227,099.02
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22$126,862.39$105,248.46
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23$130,668.26-$26,690.79
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