retirement savings

	A	B	C	D	E	F	G	H	I	J	M	N	O	P
1			Charts for 401(k) Contributions
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3	**see below for instructions on highlighted numbers
4		per year contribution		$2,000				per year contribution		$5,000		per year contribution		$5,000
5		earnings		4.00%				earnings		4.00%		earnings		4.00%
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7	AGE	Annual Contrib	earning	balance			AGE	Annual Contrib	earning	balance	AGE	Annual Contrib	earning	balance
8	25	$2,000.00	$0.00	$2,000.00			25	$5,000	0	$5,000
9	26	$2,000.00	$80.00	$4,080.00			26	$5,000	200.00	10,200.00
10	27	$2,000.00	$163.20	$6,243.20			27	$5,000	408.00	15,608.00
11	28	$2,000.00	$249.73	$8,492.93			28	$5,000	624.32	21,232.32
12	29	$2,000.00	$339.72	$10,832.65			29	$5,000	849.29	27,081.61
13	30	$2,000.00	$433.31	$13,265.95			30	$5,000	1,083.26	33,164.88
14	31	$2,000.00	$530.64	$15,796.59			31	$5,000	1,326.60	39,491.47
15	32	$2,000.00	$631.86	$18,428.45			32	$5,000	1,579.66	46,071.13
16	33	$2,000.00	$737.14	$21,165.59			33	$5,000	1,842.85	52,913.98
17	34	$2,000.00	$846.62	$24,012.21			34	$5,000	2,116.56	60,030.54
18	35	$2,000.00	$960.49	$26,972.70			35	$5,000	2,401.22	67,431.76
19	36	$2,000.00	$1,078.91	$30,051.61			36	$5,000	2,697.27	75,129.03
20	37	$2,000.00	$1,202.06	$33,253.68			37	$5,000	3,005.16	83,134.19
21	38	$2,000.00	$1,330.15	$36,583.82			38	$5,000	3,325.37	91,459.56
22	39	$2,000.00	$1,463.35	$40,047.18			39	$5,000	3,658.38	100,117.94
23	40	$2,000.00	$1,601.89	$43,649.06			40	$5,000	4,004.72	109,122.66	40	$5,000	0	5,000.00
24	41	$2,000.00	$1,745.96	$47,395.02			41	$5,000	4,364.91	118,487.56	41	$5,000	200.00	10,200.00
25	42	$2,000.00	$1,895.80	$51,290.83			42	$5,000	4,739.50	128,227.06	42	$5,000	408.00	15,608.00
26	43	$2,000.00	$2,051.63	$55,342.46			43	$5,000	5,129.08	138,356.15	43	$5,000	624.32	21,232.32
27	44	$2,000.00	$2,213.70	$59,556.16			44	$5,000	5,534.25	148,890.39	44	$5,000	849.29	27,081.61
28	45	$2,000.00	$2,382.25	$63,938.40			45	$5,000	5,955.62	159,846.01	45	$5,000	1,083.26	33,164.88
29	46	$2,000.00	$2,557.54	$68,495.94			46	$5,000	6,393.84	171,239.85	46	$5,000	1,326.60	39,491.47
30	47	$2,000.00	$2,739.84	$73,235.78			47	$5,000	6,849.59	183,089.44	47	$5,000	1,579.66	46,071.13
31	48	$2,000.00	$2,929.43	$78,165.21			48	$5,000	7,323.58	195,413.02	48	$5,000	1,842.85	52,913.98
32	49	$2,000.00	$3,126.61	$83,291.82			49	$5,000	7,816.52	208,229.54	49	$5,000	2,116.56	60,030.54
33	50	$2,000.00	$3,331.67	$88,623.49			50	$5,000	8,329.18	221,558.72	50	$5,000	2,401.22	67,431.76
34	51	$2,000.00	$3,544.94	$94,168.43			51	$5,000	8,862.35	235,421.07	51	$5,000	2,697.27	75,129.03
35	52	$2,000.00	$3,766.74	$99,935.17			52	$5,000	9,416.84	249,837.91	52	$5,000	3,005.16	83,134.19
36	53	$2,000.00	$3,997.41	$105,932.57			53	$5,000	9,993.52	264,831.43	53	$5,000	3,325.37	91,459.56
37	54	$2,000.00	$4,237.30	$112,169.88			54	$5,000	10,593.26	280,424.69	54	$5,000	3,658.38	100,117.94
38	55	$2,000.00	$4,486.80	$118,656.67			55	$5,000	11,216.99	296,641.68	55	$5,000	4,004.72	109,122.66
39	56	$2,000.00	$4,746.27	$125,402.94			56	$5,000	11,865.67	313,507.34	56	$5,000	4,364.91	118,487.56
40	57	$2,000.00	$5,016.12	$132,419.05			57	$5,000	12,540.29	331,047.64	57	$5,000	4,739.50	128,227.06
41	58	$2,000.00	$5,296.76	$139,715.82			58	$5,000	13,241.91	349,289.54	58	$5,000	5,129.08	138,356.15
42	59	$2,000.00	$5,588.63	$147,304.45			59	$5,000	13,971.58	368,261.12	59	$5,000	5,534.25	148,890.39
43	60	$2,000.00	$5,892.18	$155,196.63			60	$5,000	14,730.44	387,991.57	60	$5,000	5,955.62	159,846.01
44	61	$2,000.00	$6,207.87	$163,404.49			61	$5,000	15,519.66	408,511.23	61	$5,000	6,393.84	171,239.85
45	62	$2,000.00	$6,536.18	$171,940.67			62	$5,000	16,340.45	429,851.68	62	$5,000	6,849.59	183,089.44
46	63	$2,000.00	$6,877.63	$180,818.30			63	$5,000	17,194.07	452,045.75	63	$5,000	7,323.58	195,413.02
47	64	$2,000.00	$7,232.73	$190,051.03			64	$5,000	18,081.83	475,127.58	64	$5,000	7,816.52	208,229.54
48	65	$2,000.00	$7,602.04	$199,653.07			65	$5,000	19,005.10	499,132.68	65	$5,000	8,329.18	221,558.72
49	66	$2,000.00	$7,986.12	$209,639.20			66	$5,000	19,965.31	524,097.99	66	$5,000	8,862.35	235,421.07
50	67	$2,000.00	$8,385.57	$220,024.76			67	$5,000	20,963.92	550,061.91	67	$5,000	9,416.84	249,837.91
51	68	$2,000.00	$8,800.99	$230,825.75			68	$5,000	22,002.48	577,064.38	68	$5,000	9,993.52	264,831.43
52	69	$2,000.00	$9,233.03	$242,058.78			69	$5,000	23,082.58	605,146.96	69	$5,000	10,593.26	280,424.69
53	70	$2,000.00	$9,682.35	$253,741.14			70	$5,000	24,205.88	634,352.84	70	$5,000	11,216.99	296,641.68
54		$92,000.00						$230,000				155,000
55	Total Earnings		$161,741.14				Total Earnings		$404,352.84		Total Earnings		$141,641.68
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59	change this number to change the per year contribution
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61	change this number to change the annual earnings
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63	This number is calculated – It is the total of the contributions made
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65	This number is calculated – It is the total value of the account based on the assumptions above
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70		Summary of Information (automatically updates from above
71			monthly contrib	return/earnings	total contrib	balance at age 70
72		Chart 1	$2,000	4.00%	$92,000.00	$253,741.14
73		Chart 2	$5,000	4.00%	$230,000.00	$634,352.84
74		Chart 3	$5,000	4.00%	$155,000.00	$296,641.68
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83	--This sheet is for educational purposes only.
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