Annual Annual

IRA Invest Total IRA + IRA non IRA

Date total NonIRA non IRA IRA w/d IRA period return return SS Taxes Expenses Age Inputs Enter Values
Do not enter any values in Columns A through F IRA Total $950,000

Jan-10 $450,546 $450,546 $901,092 $0 1E+15 $29,285 $29,285 $0 $4,393

Non-IRA Total
$31,706 57 Mo. IRA Savings
$950,000
$0
Insert personal $0.00
-831.64
Jan-11
Jan-12
$479,832
$511,021
$443,733
$435,591
$923,564
$946,612
$0
$0
1E+15
1E+15
$31,189
$33,216
$28,843
$28,313
$0
$0
$4,326
$4,247
$32,658 58 Mo Non IRA Sav
$33,638 59 Retire Date
$0
Jan-10
Data in Cells N2
Dec-12 $544,237 $426,019 $970,256 $0 1E+15 $35,375 $27,691 $0 $4,154 $34,648 60 Birth Date Aug-52 through N18 0.54%
Jan-14 $579,612 $414,908 $994,521 $0 1E+15 $37,675 $26,969 $0 $4,045 $35,688 61 Annual Exp# $45,000
Jan-15 $617,287 $402,144 $1,019,431 $0 1E+15 $40,124 $26,139 $0 $3,921 $36,760 62 Tax rate 33.50% only!
Jan-16
Dec-16
$657,411
$700,143
$387,603
$371,154
$1,045,013
$1,071,297
$0
$0
1E+15
1E+15
$42,732
$45,509
$25,194
$24,125
$0
$0
$3,779
$3,619
$37,863 63 Invest return
$39,000 64 Inflation
6.50%
3.00%
Do not change
Jan-18
Jan-19
$745,652
$794,119
$352,661
$345,974
$1,098,312
$1,140,093
$0
$0
1E+15
1E+15
$48,467
$51,618
$22,923
$22,488
$14,000
$14,000
$3,438
$3,373
$40,171 65 Pension
$41,377 66 SS
$0
$14,000
any other cells!
No guarantees, implied or
Jan-20 $845,737 $337,713 $1,183,450 $0 1E+15 $54,973 $21,951 $14,000 $3,293 $42,619 67 Pension/SS $14,000
otherwise are provided. This
Dec-20 $900,710 $327,752 $1,228,462 $0 1E+15 $58,546 $21,304 $14,000 $3,196 $43,898 68 Pen/SS Date* Jan-17
tool is provided for informal
Jan-22 $959,256 $315,962 $1,275,218 $0 1E+15 $62,352 $20,538 $14,000 $3,081 $45,216 69 Div./Cap. Gains % 50.00%
Jan-23 $1,021,608 $302,203 $1,323,810 $37,285 27.4 $66,404 $19,643 $14,000 $15,437 $46,574 70 IRA Withdrawl% 50.00%
planning purposes only. Use
Jan-24 $1,050,727 $311,120 $1,361,848 $39,650 26.5 $68,297 $20,223 $14,000 $16,316 $47,972 71 Enter Date*: Jan-52
at your own risk.
Dec-24 $1,079,374 $320,705 $1,400,080 $42,163 25.6 $70,159 $20,846 $14,000 $17,252 $49,412 72 Assetts $5,359,734
Jan-26 $1,107,371 $331,051 $1,438,421 $44,833 24.7 $71,979 $21,518 $14,000 $18,247 $5,802 73 Today 11/2/2021
Jan-27 $1,134,517 $387,353 $1,521,870 $47,669 23.8 $73,744 $25,178 $14,000 $19,746 $5,976 74 Notes:
Jan-28 $1,160,592 $448,479 $1,609,070 $50,681 22.9 $75,438 $29,151 $14,000 $21,351 $6,155 75 *Enter Date as 1/1/xxxx
Dec-28 $1,185,349 $514,805 $1,700,154 $53,880 22 $77,048 $33,462 $14,000 $23,069 $6,340 76 #Expenses exclusive of income taxes 57.42
Jan-30 $1,208,517 $586,738 $1,795,256 $57,006 21.2 $78,554 $38,138 $14,000 $24,818 $6,530 77
Jan-31 $1,230,066 $664,535 $1,894,600 $60,594 20.3 $79,954 $43,195 $14,000 $26,778 $6,726 78
Jan-32 $1,249,425 $748,820 $1,998,245 $64,073 19.5 $81,213 $48,673 $14,000 $28,765 $6,927 79
Dec-32 $1,266,565 $839,873 $2,106,438 $67,731 18.7 $82,327 $54,592 $14,000 $30,879 $7,135 80
Jan-34 $1,281,161 $938,182 $2,219,343 $71,573 17.9 $83,275 $60,982 $14,000 $33,124 $7,349 81
Jan-35 $1,292,863 $1,044,264 $2,337,127 $75,606 17.1 $84,036 $67,877 $14,000 $35,510 $7,570 82
Jan-36 $1,301,293 $1,158,667 $2,459,961 $79,834 16.3 $84,584 $75,313 $14,000 $38,041 $7,797 83
Dec-36 $1,306,043 $1,281,976 $2,588,020 $84,261 15.5 $84,893 $83,328 $14,000 $40,727 $8,031 84 State Tax Tax
Jan-38 $1,306,675 $1,414,808 $2,721,484 $88,289 14.8 $84,934 $91,963 $14,000 $43,371 $8,272 85 Income Fed Tax
Jan-39 $1,303,320 $1,557,417 $2,860,737 $92,434 14.1 $84,716 $101,232 $14,000 $46,150 $8,520 86 1.50% 14.50%
Jan-40 $1,295,602 $1,710,413 $3,006,015 $96,687 13.4 $84,214 $111,177 $14,000 $49,067 $8,775 87 $25,000 13.00% 2.54% 22.75%
Dec-40 $1,283,130 $1,874,435 $3,157,564 ### 12.7 $83,403 $121,838 $14,000 $52,122 $9,039 88 $50,000 20.21% 3.53% 27.04%
Jan-42 $1,265,499 $2,050,146 $3,315,645 ### 12 $82,257 $133,259 $14,000 $55,317 $9,310 89 $75,000 23.51% 3.94% 28.52%
Jan-43 $1,242,298 $2,238,236 $3,480,535 ### 11.4 $80,749 $145,485 $14,000 $58,329 $9,589 90 $87,500 24.58% 4.24% 29.63%
Jan-44 $1,214,074 $2,438,777 $3,652,851 ### 10.8 $78,915 $158,521 $14,000 $61,437 $9,877 91 $100,000 25.38% 4.95% 32.21%
Dec-44 $1,180,575 $2,652,398 $3,832,973 ### 10.2 $76,737 $172,406 $14,000 $64,635 $10,173 92 $150,000 27.25% 5.31% 33.50%
Jan-46 $1,141,569 $2,879,739 $4,021,309 ### 9.6 $74,202 $187,183 $14,000 $67,913 $10,478 93 $200,000 28.19%
Jan-47 $1,096,858 $3,121,444 $4,218,302 ### 9.1 $71,296 $202,894 $14,000 $70,813 $10,793 94
Jan-48 $1,047,620 $3,377,266 $4,424,886 ### 8.6 $68,095 $219,522 $14,000 $73,737 $11,116 95 Cap Gains/Div 15%
Dec-48 $993,899 $3,647,751 $4,641,650 ### 8.1 $64,603 $237,104 $14,000 $76,671 $11,450 96
Jan-50 $935,799 $3,933,437 $4,869,236 ### 7.6 $60,827 $255,673 $14,000 $79,600 $11,793 97
Jan-51 $873,494 $4,234,849 $5,108,343 ### 7.1 $56,777 $275,265 $14,000 $82,504 $12,147 98
Assets
Jan-52 $807,244 $4,552,490 $5,359,734 ### 6.7 $52,471 $295,912 $14,000 $84,749 $12,512 99
Dec-52 $739,231 $4,885,626 $5,624,856 ### 6.3 $48,050 $317,566 $14,000 $86,943 $12,887 100 $250,000,000
Jan-54 $669,943 $5,234,699 $5,904,642 ### 5.9 $43,546 $340,255 $14,000 $89,077 $13,274 101
Jan-55 $599,939 $5,600,153 $6,200,092 ### 5.5 $38,996 $364,010 $14,000 $91,143 $13,672 102
Jan-56 $529,855 $5,982,428 $6,512,283 ### 5.2 $34,441 $388,858 $14,000 $92,464 $14,082 103
Dec-56 $462,401 $6,380,635 $6,843,036 $94,367 4.9 $30,056 $414,741 $14,000 $93,824 $14,504 104
$200,000,000
Jan-58 $398,089 $6,795,416 $7,193,505 $88,464 4.5 $25,876 $441,702 $14,000 $95,891 $14,940 105
Jan-59 $335,501 $7,228,751 $7,564,252 $79,881 4.2 $21,808 $469,869 $14,000 $97,241 $15,388 106
Jan-60 $277,427 $7,679,873 $7,957,300 $71,135 3.9 $18,033 $499,192 $14,000 $98,709 $15,849 107
Dec-60 $224,325 $8,149,642 $8,373,966 $60,628 3.7 $14,581 $529,727 $14,000 $99,769 $16,325 108
Jan-62 $178,278 $8,637,902 $8,816,180 $52,435 3.4 $11,588 $561,464 $14,000 $101,785 $16,815 109 $150,000,000
Jan-63 $137,431 $9,147,201 $9,284,632 $44,333 3.1 $8,933 $594,568 $14,000 $104,037 $17,319 110
Jan-64 $102,031 $9,678,746 $9,780,777 $35,183 2.9 $6,632 $629,118 $14,000 $106,154 $17,839 111 Assets
Dec-64 $73,480 $10,233,055 $10,306,535 $28,262 2.6 $4,776 $665,149 $14,000 $109,240 $18,374 112
Jan-66 $49,995 $10,812,851 $10,862,846 $20,831 2.4 $3,250 $702,835 $14,000 $112,404 $18,925 113 $100,000,000
Jan-67 $32,413 $11,419,189 $11,451,602 $15,435 2.1 $2,107 $742,247 $14,000 $116,508 $19,493 114
Jan-68 $19,085 $12,054,871 $12,073,956 $10,045 1.9 $1,241 $783,567 $14,000 $120,900 $20,078 115
Dec-68 $10,281 $12,721,504 $12,731,785 $5,411 1.9 $668 $826,898 $14,000 $125,847 $20,680 116
Jan-70 $5,538 $13,421,286 $13,426,824 $2,915 1.9 $360 $872,384 $14,000 $131,834 $21,300 117
$50,000,000
Jan-71 $2,983 $14,157,450 $14,160,434 $1,570 1.9 $194 $920,234 $14,000 $138,561 $21,939 118
Jan-72 $1,607 $14,932,754 $14,934,361 $846 1.9 $104 $970,629 $14,000 $145,878 $22,597 120
Dec-72 $866 $15,749,754 $15,750,620 $456 1.9 $56 $1,023,734 $14,000 $153,713 $23,275 121
Jan-74 $466 $16,610,955 $16,611,422 $245 1.9 $30 $1,079,712 $14,000 $162,039 $23,974 122
Jan-75 $251 $17,518,900 $17,519,152 $132 1.9 $16 $1,138,729 $14,000 $170,854 $24,693 123 $0
Jan-76 $135 $18,476,215 $18,476,350 $71 1.9 $9 $1,200,954 $14,000 $180,167 $25,434 124 26 35 44 53 62 71 80 89 98 07 16
n- n- n- n- n- n- n- n- n- n- n-
Dec-76 $73 $19,485,639 $19,485,712 $38 1.9 $5 $1,266,567 $14,000 $189,998 $26,197 125 Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja Ja
Jan-78 $39 $20,550,050 $20,550,089 $21 1.9 $3 $1,335,753 $14,000 $200,370 $26,983 126
Jan-79 $21 $21,672,471 $21,672,492 $11 1.9 $1 $1,408,711 $14,000 $211,310 $27,792 127
Jan-80 $11 $22,856,091 $22,856,102 $6 1.9 $1 $1,485,646 $14,000 $222,849 $28,626 128
Dec-80 $6 $24,104,268 $24,104,274 $3 1.9 $0 $1,566,777 $14,000 $235,018 $29,485 129
Jan-82 $3 $25,420,546 $25,420,550 $2 1.9 $0 $1,652,336 $14,000 $247,851 $30,369 130
Jan-83 $2 $26,808,663 $26,808,665 $1 1.9 $0 $1,742,563 $14,000 $261,385 $31,280 131
Jan-84 $1 $28,272,563 $28,272,564 $1 1.9 $0 $1,837,717 $14,000 $275,658 $32,219 132
Dec-84 $1 $29,816,403 $29,816,404 $0 1.9 $0 $1,938,066 $14,000 $290,710 $33,185 133
Jan-86 $0 $31,444,575 $31,444,575 $0 1.9 $0 $2,043,897 $14,000 $306,585 $34,181 134
Jan-87 $0 $33,161,707 $33,161,707 $0 1.9 $0 $2,155,511 $14,000 $323,327 $35,206 135
Jan-88 $0 $34,972,685 $34,972,685 $0 1.9 $0 $2,273,225 $14,000 $340,984 $36,262 136
Dec-88 $0 $36,882,664 $36,882,664 $0 1.9 $0 $2,397,373 $14,000 $359,606 $37,350 137
Jan-90 $0 $38,897,081 $38,897,081 $0 1.9 $0 $2,528,310 $14,000 $379,247 $38,471 138
Jan-91 $0 $41,021,674 $41,021,674 $0 1.9 $0 $2,666,409 $14,000 $399,961 $39,625 139
Jan-92 $0 $43,262,497 $43,262,497 $0 1.9 $0 $2,812,062 $14,000 $421,809 $40,814 140
Dec-92 $0 $45,625,936 $45,625,936 $0 1.9 $0 $2,965,686 $14,000 $444,853 $42,038 141
Jan-94 $0 $48,118,731 $48,118,731 $0 1.9 $0 $3,127,718 $14,000 $469,158 $43,299 142
Jan-95 $0 $50,747,992 $50,747,992 $0 1.9 $0 $3,298,619 $14,000 $494,793 $44,598 143
Jan-96 $0 $53,521,221 $53,521,221 $0 1.9 $0 $3,478,879 $14,000 $521,832 $45,936 144
Dec-96 $0 $56,446,332 $56,446,332 $0 1.9 $0 $3,669,012 $14,000 $550,352 $47,314 145
Jan-98 $0 $59,531,678 $59,531,678 $0 1.9 $0 $3,869,559 $14,000 $580,434 $48,733 146
Jan-99 $0 $62,786,070 $62,786,070 $0 1.9 $0 $4,081,095 $14,000 $612,164 $50,195 147
Jan-00 $0 $66,218,805 $66,218,805 $0 1.9 $0 $4,304,222 $14,000 $645,633 $51,701 148
Jan-01 $0 $69,839,692 $69,839,692 $0 1.9 $0 $4,539,580 $14,000 $680,937 $53,252 149
Jan-02 $0 $73,659,083 $73,659,083 $0 1.9 $0 $4,787,840 $14,000 $718,176 $54,850 150
Jan-03 $0 $77,687,897 $77,687,897 $0 1.9 $0 $5,049,713 $14,000 $757,457 $56,495 151
Jan-04 $0 $81,937,658 $81,937,658 $0 1.9 $0 $5,325,948 $14,000 $798,892 $58,190 152
Jan-05 $0 $86,420,524 $86,420,524 $0 1.9 $0 $5,617,334 $14,000 $842,600 $59,936 153
Jan-06 $0 $91,149,322 $91,149,322 $0 1.9 $0 $5,924,706 $14,000 $888,706 $61,734 154
Jan-07 $0 $96,137,587 $96,137,587 $0 1.9 $0 $6,248,943 $14,000 $937,341 $63,586 155
Jan-08 $0 ### ### $0 1.9 $0 $6,590,974 $14,000 $988,646 $65,494 156
Jan-09 $0 ### ### $0 1.9 $0 $6,951,778 $14,000 ### $67,459 157
Jan-10 $0 ### ### $0 1.9 $0 $7,332,389 $14,000 ### $69,482 158
Jan-11 $0 ### ### $0 1.9 $0 $7,733,898 $14,000 ### $71,567 159
Jan-12 $0 ### ### $0 1.9 $0 $8,157,454 $14,000 ### $73,714 160
Jan-13 $0 ### ### $0 1.9 $0 $8,604,271 $14,000 ### $75,925 161
Jan-14 $0 ### ### $0 1.9 $0 $9,075,632 $14,000 ### $78,203 162
Jan-15 $0 ### ### $0 1.9 $0 $9,572,888 $14,000 ### $80,549 163
Jan-16 $0 ### ### $0 1.9 $0 ### $14,000 ### $82,965 164
Jan-17 $0 ### ### $0 1.9 $0 ### $14,000 ### $85,454 165
Jan-18 $0 ### ### $0 1.9 $0 ### $14,000 ### $88,018 166
Jan-19 $0 ### ### $0 1.9 $0 ### $14,000 ### $90,659 167
Jan-20 $0 ### ### $0 1.9 $0 ### $14,000 ### $93,378 168
Jan-21 $0 ### ### $0 1.9 $0 ### $14,000 ### $96,180 169
Jan-22 $0 ### ### $0 1.9 $0 ### $14,000 ### $99,065 170
Jan-23 $0 ### ### $0 1.9 $0 ### $14,000 ### $102,037 171

No guarantees, implied or otherwise are provided. This tool is provided for informal planning purposes only. Use at your own risk.
Jan-24 $0 ### ### $0 1.9 $0 ### $14,000 ### $105,098 172
Jan-25 $0 ### ### $0 1.9 $0 ### $14,000 ### $108,251 173

No guarantees, implied or otherwise are provided. This tool is provided for informal planning purposes only. Use at your own risk.
 Required minimum IRA distributions
To calculate the year's minimum distribution amount, take the age of the retiree and find the
corresponding distribution period. Then divide the value of the IRA by the distribution period to find
the required minimum distribution.
Distribution Distribution Distribution
Age of period (in Age of period (in Age of period (in
retiree years) retiree years) retiree years)
44 1E+15
45 1E+15
46 1E+15
47 1E+15
48 1E+15
49 1E+15
50 1E+15
51 1E+15
52 1E+15
53 1E+15
54 1E+15
55 1E+15
56 1E+15
57 1E+15
58 1E+15
59 1E+15
60 1E+15
61 1E+15
62 1E+15
63 1E+15
64 1E+15
65 1E+15
66 1E+15
67 1E+15
68 1E+15
69 1E+15
70 27.4
71 26.5
72 25.6
73 24.7
74 23.8
75 22.9
76 22
77 21.2
78 20.3
79 19.5
80 18.7
81 17.9
82 17.1
83 16.3
84 15.5
85 14.8
86 14.1
87 13.4
88 12.7
89 12
90 11.4
91 10.8
92 10.2
93 9.6
94 9.1
95 8.6
96 8.1
97 7.6
98 7.1
99 6.7
100 6.3
101 5.9
102 5.5
103 5.2
104 4.9
105 4.5
106 4.2
107 3.9
108 3.7
109 3.4
110 3.1
111 2.9
112 2.6
113 2.4
114 2.1
115 1.9
116 1.9
117 1.9
118 1.9
119 1.9
120 1.9
121 1.9
122 1.9
123 1.9
124 1.9
125 1.9
126 1.9
127 1.9
128 1.9
129 1.9
130 1.9
131 1.9
132 1.9
133 1.9
134 1.9
135 1.9
136 1.9
137 1.9
138 1.9
139 1.9
140 1.9
141 1.9
142 1.9
143 1.9
144 1.9
145 1.9
146 1.9
147 1.9
148 1.9
149 1.9
150 1.9
151 1.9
152 1.9
153 1.9
154 1.9
155 1.9
156 1.9
157 1.9
158 1.9
159 1.9
160 1.9
161 1.9
162 1.9
163 1.9
164 1.9
165 1.9
166 1.9
167 1.9
168 1.9
169 1.9
170 1.9
171 1.9
172 1.9
173 1.9
174 1.9
175 1.9
176 1.9
177 1.9
178 1.9
179 1.9
180 1.9
181 1.9
182 1.9
183 1.9
184 1.9
185 1.9
186 1.9
187 1.9
188 1.9
189 1.9
190 1.9
191 1.9
192 1.9
193 1.9
194 1.9
195 1.9
196 1.9
197 1.9
198 1.9
199 1.9
200 1.9
201 1.9
202 1.9
203 1.9
204 1.9
205 1.9
206 1.9
207 1.9
208 1.9
209 1.9
210 1.9
211 1.9
212 1.9
213 1.9
214 1.9
215 1.9
216 1.9
217 1.9
218 1.9
219 1.9
220 1.9
221 1.9
222 1.9
223 1.9
224 1.9
225 1.9
226 1.9
227 1.9
228 1.9
229 1.9
230 1.9
231 1.9
232 1.9
233 1.9
234 1.9
235 1.9
236 1.9
237 1.9
238 1.9
239 1.9
240 1.9
241 1.9
242 1.9
243 1.9
244 1.9
245 1.9
246 1.9
247 1.9
248 1.9
249 1.9
250 1.9
251 1.9
252 1.9