Bob retirement plan

funds expire age

current age
curent income
employer contribution

46
116000
10%

current retirement fund

167000
4%

Age of retirement
Pre retirement rate of return

65
7%

Post retirement rate of return

5%

Saving rate
Post retirement cosumption exp

5%
70%

inflation (pre and post)

3%
25%
35%

Current tax cap

12,000
15,000
5,500
24,000
100,000
6%
30,000

model

Pre retirement
Age
46
47
48
49
50
51
52
53

Income employer's contri

54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80

158754.01 15875.4009847012
165104.17 16510.4170240892
171708.337 17170.8337050528
178576.671 17857.6670532549
185719.737 18571.9737353851
193148.527 19314.8526848005
200874.468 20087.4467921925
208909.447 20890.9446638802
217265.825 21726.5824504354
225956.457 22595.6457484529
234994.716 23499.471578391
244394.504 24439.4504415266
254170.285 25417.0284591877
264337.096 26433.7095975552
274910.58 27491.0579814574
285907.003 28590.7003007157
297343.283 29734.3283127443
309237.014 30923.7014452541
321606.495 32160.6495030643
334470.755 33447.0754831868
347849.585 34784.9585025143
361763.568 36176.3568426149
376234.111 37623.4111163195
391283.476 39128.3475609723
406934.815 40693.4814634112
423212.207 42321.2207219476
440140.696 44014.0695508255

73

persnal contri
before tax
5800
6032
6273.28
6524.2112
6785.179648
7056.58683392
7338.850307277
7632.404319568

Tax cap
12,000
12,000
12,000
15,000
15,450
15,914
16,391
16,883

college
contri
5800
6032
6273.28
6524.2112
6785.17965
7056.58683
7338.85031
7632.40432

college
fund
31,240
39146.4
47768.464
57158.78304
67373.48967
78472.48588
90519.68534
103583.2708

taxable
contri
0
0
0
0
0
0
0
0

7937.700492351
8255.208512045
8585.416852526
8928.833526627
9285.986867693
9657.4263424
10043.7233961
10445.47233194
10863.29122522
11297.82287423
11749.7357892
12219.72522076
12708.51422959
13216.85479878
13745.52899073
14295.35015036
14867.16415637
15461.85072263
16080.32475153
16723.53774159
17392.47925126
18088.17842131
18811.70555816
19564.17378049
20346.74073171
21160.61036097
22007.03477541

17,389
17,911
18,448
19,002
19,572
20,159
20,764
21,386
22,028
22,689
23,370
24,071
24,793
25,536
26,303
27,092
27,904
28,742
29,604
30,492
31,407
32,349
33,319
34,319
35,348
36,409
37,501

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

109798.267
116386.1631
123369.3328
130771.4928
138617.7824
146934.8493
155750.9403
165095.9967
175001.7565
185501.8619
196631.9736
208429.892
220935.6855
234191.8267
248243.3363
263137.9364
278926.2126
295661.7854
313401.4925
332205.5821
352137.917
373266.192
395662.1635
419401.8933
444566.0069
471239.9674
499514.3654

7937.7004924
8255.208512
8585.4168525
8928.8335266
9285.9868677
9657.4263424
10043.723396
10445.472332
10863.291225
11297.822874
11749.735789
12219.725221
12708.51423
13216.854799
13745.528991
14295.35015
14867.164156
15461.850723
16080.324752
16723.537742
17392.479251
18088.178421
18811.705558
19564.17378
20346.740732
21160.610361
22007.034775

tax amount
-

personal
contri after
tax
-

Post retirement
BoY asset
167000
190,290
215,674
243,318
273,399
306,107
341,648
380,241

EoY asset
190,290
215,674
243,318
273,399
306,107
341,648
380,241
422,122

Age
66
67
68
69
70
71
72
73

7,938
8,255
8,585
8,929
9,286
9,657
10,044
10,445
10,863
11,298
11,750
12,220
12,709
13,217
13,746
14,295
14,867
15,462
16,080
16,724
17,392
18,088
18,812
19,564
20,347
21,161
22,007

422,122
475,484
533,534
596,637
665,188
739,609
820,354
907,910
1,002,800
1,105,586
1,216,871
1,337,301
1,467,571
1,608,427
1,760,667
1,925,151
2,102,797
2,294,594
2,501,602
2,724,955
2,965,872
3,225,661
3,505,721
3,807,557
4,132,779
4,483,113
4,860,413

475,484
533,534
596,637
665,188
739,609
820,354
907,910
1,002,800
1,105,586
1,216,871
1,337,301
1,467,571
1,608,427
1,760,667
1,925,151
2,102,797
2,294,594
2,501,602
2,724,955
2,965,872
3,225,661
3,505,721
3,807,557
4,132,779
4,483,113
4,860,413
5,266,663

74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100

ost retirement
spending Withdrawlboy asseteoy asset
133617.2 167021.5 1467571 1300550
137625.7 183500.9 1300550 1117049
141754.4 189005.9 1117049
928043
146007.1 194676.1
928043 733366.9
150387.3 200516.4 733366.9 532850.5
154898.9 206531.9 532850.5 326318.6
159545.9 212727.8 326318.6 113590.8
164332.3 219109.7 113590.8 -105519

169262.2
174340.1
179570.3
184957.4
190506.1
196221.3
202107.9
208171.2
214416.3
220848.8
227474.3
234298.5
241327.5
248567.3
256024.3
263705
271616.2
279764.7
288157.6
296802.3
305706.4
314877.6
324323.9
334053.6
344075.2
354397.5
365029.4

225683
232453.5
239427.1
246609.9
254008.2
261628.4
269477.3
277561.6
285888.4
294465.1
303299
312398
321769.9
331423
341365.7
351606.7
362154.9
373019.6
384210.1
395736.4
407608.5
419836.8
432431.9
445404.9
458767
472530
486705.9

-105519
-331202
-563655
-803082
-1049692
-1303700
-1565329
-1834806
-2112368
-2398256
-2692721
-2996020
-3308418
-3630188
-3961611
-4302977
-4654584
-5016738
-5389758
-5773968
-6169705
-6577313
-6997150
-7429582
-7874987
-8333754
-8806284

-331202
-563655
-803082
-1049692
-1303700
-1565329
-1834806
-2112368
-2398256
-2692721
-2996020
-3308418
-3630188
-3961611
-4302977
-4654584
-5016738
-5389758
-5773968
-6169705
-6577313
-6997150
-7429582
-7874987
-8333754
-8806284
-9292990