Spreadsheet built by Kevin McKee

for http://www.thousandaire.com/

TH

Saving for Retirement

Nest Egg at Retirement Age

Beginning Balance

$0

Annual Return Rate

Annual Savings
Annual Increase in Contributions
Tax Bracket

10.00%
$1,000
$200
25%

Contribute at Beginning (1) or End

(0) of year
Age Today
Age to Start Saving
Retirement Age
Last Year of Contributions
Years of Saving
Years until Retirement

0
22
29
68
68
40
47

Age to Change Return

New Return %

Amount Contributed

Value (if tax deferred)

Value (if paying taxes)
Interest Earned (if tax deferred)
Interest Earned (if paying taxes)

You screwed "The Man" out of:

50
7.00%

Year and Contributions

Age
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43

Paying Cap
Savings
$0
$0
$0
$0
$0
$0
$0
$1,000
$1,200
$1,400
$1,600
$1,800
$2,000
$2,200
$2,400
$2,600
$2,800
$3,000
$3,200
$3,400
$3,600
$3,800

Beginning Balance
$0
$0
$0
$0
$0
$0
$0
$0
$1,000
$2,275
$3,846
$5,734
$7,964
$10,561
$13,554
$16,970
$20,843
$25,206
$30,096
$35,554
$41,620
$48,342

44
45
46
47
48
49
50
51
52
53
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
81
82
83
84
85
86
87
88
89
90
91

$4,000
$4,200
$4,400
$4,600
$4,800
$5,000
$5,200
$5,400
$5,600
$5,800
$6,000
$6,200
$6,400
$6,600
$6,800
$7,000
$7,200
$7,400
$7,600
$7,800
$8,000
$8,200
$8,400
$8,600
$8,800
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0

$55,767
$63,950
$72,946
$82,817
$93,628
$105,450
$118,359
$129,773
$141,986
$155,041
$168,980
$183,852
$199,704
$216,588
$234,559
$253,673
$273,991
$295,576
$318,494
$342,815
$368,612
$395,964
$424,953
$455,663
$488,185
$424,516
$340,138
$249,587
$152,541
$48,663
-$62,398
-$181,010
-$307,558
-$442,444
-$586,090
-$738,933
-$901,435
-$1,074,073
-$1,257,351
-$1,451,792
-$1,657,943
-$1,876,376
-$2,107,688
-$2,352,502
-$2,611,471
-$2,885,273
-$3,174,619
-$3,480,250

92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132

$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
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0

-$3,610,759
-$3,746,163
-$3,886,644
-$4,032,393
-$4,183,608
-$4,340,493
-$4,503,261
-$4,672,134
-$4,847,339
-$5,029,114
-$5,217,706
-$5,413,370
-$5,616,371
-$5,826,985
-$6,045,497
-$6,272,203
-$6,507,411
-$6,751,439
-$7,004,618
-$7,267,291
-$7,539,814
-$7,822,557
-$8,115,903
-$8,420,249
-$8,736,009
-$9,063,609
-$9,403,494
-$9,756,125
-$10,121,980
-$10,501,554
-$10,895,363
-$11,303,939
-$11,727,837
-$12,167,630
-$12,623,917
-$13,097,313
-$13,588,463
-$14,098,030
-$14,626,706
-$15,175,208
-$15,744,278

THE RC

est Egg at Retirement Age

Paying for Retirement

$196,000

Age of Death

$729,522
$488,185
$533,522

Desired Annual Retirement

Income (in today's dollars)
Inflation Rate
Return on Nest Egg
Years of Retirement

90
$25,000
3.00%
5.00%
22

$292,185

$123,824

Paying Capital Gains Taxes

Gain on Investment
$0
$0
$0
$0
$0
$0
$0
$0
$100
$228
$385
$573
$796
$1,056
$1,355
$1,697
$2,084
$2,521
$3,010
$3,555
$4,162
$4,834

Taxes

Withdrawls
$0
$0
$0
$0
$0
$0
$0
$0
$25
$57
$96
$143
$199
$264
$339
$424
$521
$630
$752
$889
$1,041
$1,209

$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0

Ending Balance
$0
$0
$0
$0
$0
$0
$0
$1,000
$2,275
$3,846
$5,734
$7,964
$10,561
$13,554
$16,970
$20,843
$25,206
$30,096
$35,554
$41,620
$48,342
$55,767

$5,577
$6,395
$7,295
$8,282
$9,363
$10,545
$8,285
$9,084
$9,939
$10,853
$11,829
$12,870
$13,979
$15,161
$16,419
$17,757
$19,179
$20,690
$22,295
$23,997
$25,803
$27,718
$29,747
$31,896
$33,209
$21,226
$17,007
$12,479
$7,627
$2,433
-$3,120
-$9,050
-$15,378
-$22,122
-$29,304
-$36,947
-$45,072
-$53,704
-$62,868
-$72,590
-$82,897
-$93,819
-$105,384
-$117,625
-$130,574
-$144,264
-$158,731
-$174,012

$1,394
$1,599
$1,824
$2,070
$2,341
$2,636
$2,071
$2,271
$2,485
$2,713
$2,957
$3,217
$3,495
$3,790
$4,105
$4,439
$4,795
$5,173
$5,574
$5,999
$6,451
$6,929
$7,437
$7,974
$8,302
$5,306
$4,252
$3,120
$1,907
$608
-$780
-$2,263
-$3,844
-$5,531
-$7,326
-$9,237
-$11,268
-$13,426
-$15,717
-$18,147
-$20,724
-$23,455
-$26,346
-$29,406
-$32,643
-$36,066
-$39,683
-$43,503

$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$97,376
$100,297
$103,306
$106,405
$109,598
$112,886
$116,272
$119,760
$123,353
$127,054
$130,865
$134,791
$138,835
$143,000
$147,290
$151,709
$156,260
$160,948
$165,776
$170,750
$175,872
$181,148
$186,583
$0

$63,950
$72,946
$82,817
$93,628
$105,450
$118,359
$129,773
$141,986
$155,041
$168,980
$183,852
$199,704
$216,588
$234,559
$253,673
$273,991
$295,576
$318,494
$342,815
$368,612
$395,964
$424,953
$455,663
$488,185
$424,516
$340,138
$249,587
$152,541
$48,663
-$62,398
-$181,010
-$307,558
-$442,444
-$586,090
-$738,933
-$901,435
-$1,074,073
-$1,257,351
-$1,451,792
-$1,657,943
-$1,876,376
-$2,107,688
-$2,352,502
-$2,611,471
-$2,885,273
-$3,174,619
-$3,480,250
-$3,610,759

-$180,538
-$187,308
-$194,332
-$201,620
-$209,180
-$217,025
-$225,163
-$233,607
-$242,367
-$251,456
-$260,885
-$270,668
-$280,819
-$291,349
-$302,275
-$313,610
-$325,371
-$337,572
-$350,231
-$363,365
-$376,991
-$391,128
-$405,795
-$421,012
-$436,800
-$453,180
-$470,175
-$487,806
-$506,099
-$525,078
-$544,768
-$565,197
-$586,392
-$608,382
-$631,196
-$654,866
-$679,423
-$704,902
-$731,335
-$758,760
-$787,214

-$45,134
-$46,827
-$48,583
-$50,405
-$52,295
-$54,256
-$56,291
-$58,402
-$60,592
-$62,864
-$65,221
-$67,667
-$70,205
-$72,837
-$75,569
-$78,403
-$81,343
-$84,393
-$87,558
-$90,841
-$94,248
-$97,782
-$101,449
-$105,253
-$109,200
-$113,295
-$117,544
-$121,952
-$126,525
-$131,269
-$136,192
-$141,299
-$146,598
-$152,095
-$157,799
-$163,716
-$169,856
-$176,225
-$182,834
-$189,690
-$196,803

$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
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0

-$3,746,163
-$3,886,644
-$4,032,393
-$4,183,608
-$4,340,493
-$4,503,261
-$4,672,134
-$4,847,339
-$5,029,114
-$5,217,706
-$5,413,370
-$5,616,371
-$5,826,985
-$6,045,497
-$6,272,203
-$6,507,411
-$6,751,439
-$7,004,618
-$7,267,291
-$7,539,814
-$7,822,557
-$8,115,903
-$8,420,249
-$8,736,009
-$9,063,609
-$9,403,494
-$9,756,125
-$10,121,980
-$10,501,554
-$10,895,363
-$11,303,939
-$11,727,837
-$12,167,630
-$12,623,917
-$13,097,313
-$13,588,463
-$14,098,030
-$14,626,706
-$15,175,208
-$15,744,278
-$16,334,688

Balance at your Death

Value (if tax deferred)

-$3,079,157

Value (if paying taxes)

-$3,480,250

Age you went broke (tax deferred)

Age you went broke (paying taxes)

76
73

Tax Deferred
Gain on
Investment

Beginning Balance
$0
$0
$0
$0
$0
$0
$0
$0
$1,000
$2,300
$3,930
$5,923
$8,315
$11,147
$14,462
$18,308
$22,738
$27,812
$33,594
$40,153
$47,568
$55,925

$0
$0
$0
$0
$0
$0
$0
$0
$100
$230
$393
$592
$832
$1,115
$1,446
$1,831
$2,274
$2,781
$3,359
$4,015
$4,757
$5,592

Withdrawls
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0

Ending Balance
$0
$0
$0
$0
$0
$0
$0
$1,000
$2,300
$3,930
$5,923
$8,315
$11,147
$14,462
$18,308
$22,738
$27,812
$33,594
$40,153
$47,568
$55,925
$65,317

$65,317
$75,849
$87,634
$100,798
$115,477
$131,825
$150,007
$165,708
$182,708
$201,097
$220,974
$242,442
$265,613
$290,606
$317,548
$346,577
$377,837
$411,486
$447,690
$486,628
$528,492
$573,486
$621,830
$673,759
$729,522
$677,422
$610,995
$538,239
$458,745
$372,085
$277,804
$175,422
$64,432
-$55,699
-$185,538
-$325,680
-$476,755
-$639,428
-$814,400
-$1,002,410
-$1,204,239
-$1,420,711
-$1,652,694
-$1,901,105
-$2,166,910
-$2,451,128
-$2,754,832
-$3,079,157

$6,532
$7,585
$8,763
$10,080
$11,548
$13,182
$10,501
$11,600
$12,790
$14,077
$15,468
$16,971
$18,593
$20,342
$22,228
$24,260
$26,449
$28,804
$31,338
$34,064
$36,994
$40,144
$43,528
$47,163
$36,476
$33,871
$30,550
$26,912
$22,937
$18,604
$13,890
$8,771
$3,222
-$2,785
-$9,277
-$16,284
-$23,838
-$31,971
-$40,720
-$50,120
-$60,212
-$71,036
-$82,635
-$95,055
-$108,346
-$122,556
-$137,742
-$153,958

$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$97,376
$100,297
$103,306
$106,405
$109,598
$112,886
$116,272
$119,760
$123,353
$127,054
$130,865
$134,791
$138,835
$143,000
$147,290
$151,709
$156,260
$160,948
$165,776
$170,750
$175,872
$181,148
$186,583
$0

$75,849
$87,634
$100,798
$115,477
$131,825
$150,007
$165,708
$182,708
$201,097
$220,974
$242,442
$265,613
$290,606
$317,548
$346,577
$377,837
$411,486
$447,690
$486,628
$528,492
$573,486
$621,830
$673,759
$729,522
$677,422
$610,995
$538,239
$458,745
$372,085
$277,804
$175,422
$64,432
-$55,699
-$185,538
-$325,680
-$476,755
-$639,428
-$814,400
-$1,002,410
-$1,204,239
-$1,420,711
-$1,652,694
-$1,901,105
-$2,166,910
-$2,451,128
-$2,754,832
-$3,079,157
-$3,233,114

-$3,233,114
-$3,394,770
-$3,564,509
-$3,742,734
-$3,929,871
-$4,126,364
-$4,332,682
-$4,549,317
-$4,776,782
-$5,015,621
-$5,266,403
-$5,529,723
-$5,806,209
-$6,096,519
-$6,401,345
-$6,721,412
-$7,057,483
-$7,410,357
-$7,780,875
-$8,169,919
-$8,578,415
-$9,007,336
-$9,457,702
-$9,930,587
-$10,427,117
-$10,948,473
-$11,495,896
-$12,070,691
-$12,674,226
-$13,307,937
-$13,973,334
-$14,672,001
-$15,405,601
-$16,175,881
-$16,984,675
-$17,833,908
-$18,725,604
-$19,661,884
-$20,644,978
-$21,677,227
-$22,761,088

-$161,656
-$169,739
-$178,225
-$187,137
-$196,494
-$206,318
-$216,634
-$227,466
-$238,839
-$250,781
-$263,320
-$276,486
-$290,310
-$304,826
-$320,067
-$336,071
-$352,874
-$370,518
-$389,044
-$408,496
-$428,921
-$450,367
-$472,885
-$496,529
-$521,356
-$547,424
-$574,795
-$603,535
-$633,711
-$665,397
-$698,667
-$733,600
-$770,280
-$808,794
-$849,234
-$891,695
-$936,280
-$983,094
-$1,032,249
-$1,083,861
-$1,138,054

$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
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0

-$3,394,770
-$3,564,509
-$3,742,734
-$3,929,871
-$4,126,364
-$4,332,682
-$4,549,317
-$4,776,782
-$5,015,621
-$5,266,403
-$5,529,723
-$5,806,209
-$6,096,519
-$6,401,345
-$6,721,412
-$7,057,483
-$7,410,357
-$7,780,875
-$8,169,919
-$8,578,415
-$9,007,336
-$9,457,702
-$9,930,587
-$10,427,117
-$10,948,473
-$11,495,896
-$12,070,691
-$12,674,226
-$13,307,937
-$13,973,334
-$14,672,001
-$15,405,601
-$16,175,881
-$16,984,675
-$17,833,908
-$18,725,604
-$19,661,884
-$20,644,978
-$21,677,227
-$22,761,088
-$23,899,143