PV FEES Y Break up of Fee

107,220.71 250,000.00 11 250,000.00

99,278.44 250,000.00 12 250,000.00
183,848.96 500,000.00 13 500,000.00
170,230.52 500,000.00 14 500,000.00
157,620.85 500,000.00 15 500,000.00
145,945.23 500,000.00 16 500,000.00

total 864,144.72
pmt ($112,079.84)
 Check
Total Amount at Start of Year Total Amount at End of Year Years
112,079.84 0.00 Deposit/Withdrawl Cmpd I
112,079.84 121,046.23 1.00 128,085.22 8966.39
233,126.07 251,776.15 2.00 128,085.22 18650.09
363,855.99 392,964.47 3.00 128,085.22 29108.48
505,044.31 545,447.86 4.00 128,085.22 40403.54
657,527.70 710,129.91 5.00 128,085.22 52602.22
822,209.75 887,986.53 6.00 128,085.22 65776.78
1,000,066.37 1,080,071.68 7.00 128,085.22 80005.31
1,192,151.52 1,287,523.64 8.00 128,085.22 95372.12
1,399,603.48 1,511,571.76 9.00 128,085.22 111968.28
1,623,651.60 1,753,543.73 10 128,085.22 129892.13
1,865,623.57 2,014,873.46 11 250,000 149249.89
1,764,873.46 1,906,063.33 12 250,000 141189.88
1,656,063.33 1,788,548.40 13 500,000 132485.07
1,288,548.40 1,391,632.27 14 500,000 103083.87
891,632.27 962,962.85 15 500,000 71330.58
462,962.85 499,999.88 16 500,000 37037.03
- 0.12 - 0.13 17 500,000 -0.01
r 6%
inflation 3%
real rate 2.9126214%
$64,786.88
$66,673.87

PV FEES Y Break up of Fee

125,062.24 250,000.00 9 250,000.00
115,798.37 250,000.00 10 250,000.00
214,441.43 500,000.00 11 500,000.00
198,556.88 500,000.00 12 500,000.00
183,848.96 500,000.00 13 500,000.00
170,230.52 500,000.00 14 500,000.00

total 1,007,938.41
pmt ($149,398.60)
 Check
Total Amount at Start of Year Total Amount at End of Year Years
149,398.60 0.00
149,398.60 161,350.49 1.00
310,749.09 335,609.02 2.00
485,007.62 523,808.22 3.00
673,206.82 727,063.37 4.00
876,461.97 946,578.93 5.00
1,095,977.53 1,183,655.73 6.00
1,333,054.33 1,439,698.68 7.00
1,589,097.28 1,716,225.06 8.00
1,865,623.66 2,014,873.55 9.00
1,764,873.55 1,906,063.44 10
1,656,063.44 1,788,548.51 11
1,288,548.51 1,391,632.39 12
891,632.39 962,962.98 13
462,962.98 500,000.02 14
0.02 0.02 15
Deposit/Withdrawl Cmpd I
138,332.04 11951.89
138,332.04 24859.93
138,332.04 38800.61
138,332.04 53856.55
138,332.04 70116.96
138,332.04 87678.20
138,332.04 106644.35
138,332.04 127127.78
138,332.04 149249.89
250,000 141189.88
250,000 132485.07
500,000 103083.88
500,000 71330.59
500,000 37037.04
500,000 0.00
 PV FEES Y Break up of Fee
125062.24 250000 9 250000
115798.37 250000 10 250000
321662.14 750000 11 250000+500000
297835.32 750000 12 250000+500000
367697.92 1000000 13 500000+500000
434087.83 1275000 14 500000+500000+275000
244312.32 775000 15 500000+275000
306484.99 1050000 16 500000+550000
148647.92 550000 17 550000
137636.97 550000 18 550000
127441.64 550000 19 550000

total 2626667.67
pmt ($389,329.81)
(SAVING TODAY

2565.31
 Check
Total Amount at Start of Year Total Amount at End of Year Years
389329.81 0.00 Deposit/Withdrawl Cmpd I
389,329.81 420476.19 1.00 2565.31 31146.38
809,806.00 874590.49 2.00 2565.31 64784.48
1,263,920.30 1365033.92 3.00 2565.31 101113.62
1,754,363.73 1894712.83 4.00 2565.31 140349.10
2,284,042.64 2466766.05 5.00 2565.31 182723.41
2,856,095.86 3084583.53 6.00 2565.31 228487.67
3,473,913.34 3751826.40 7.00 2565.31 277913.07
4,141,156.21 4472448.71 8.00 2565.31 331292.50
4,861,778.52 5250720.80 9.00 2565.31 388942.28
5,000,720.80 5400778.47 10 250000 400057.66
5,150,778.47 5562840.74 11 250000 412062.28
4,812,840.74 5197868.00 12 750000 385027.26
4,447,868.00 4803697.44 13 750000 355829.44
3,803,697.44 4107993.24 14 100000 304295.80
2,832,993.24 3059632.70 15 1275000 226639.46
2,284,632.70 2467403.31 16 775000 182770.62
1,417,403.31 1530795.58 17 1050000 113392.27
980,795.58 1059259.23 18 550000 78463.65
509,259.23 549999.96 19 550000 40740.74
0 -0.04 20 550000 0.00
 PV FEES Y Break up of Fee
93,626.79 275,000.00 14 250,000.00
86,691.47 275,000.00 15 250,000.00
160,539.76 550,000.00 16 500,000.00
148,647.92 550,000.00 17 500,000.00
137,636.97 550,000.00 18 500,000.00
127,441.64 550,000.00 19 500,000.00

total 754,584.54
pmt ($84,748.82)
 Check
Total Amount at Start of Year Total Amount at End of Year Years
84,748.82 0.00 Deposit/Withdrawl
84,748.82 91,528.73 1.00 84,748.82
176,277.55 190,379.75 2.00 84,748.82
275,128.57 297,138.85 3.00 84,748.82
381,887.67 412,438.69 4.00 84,748.82
497,187.51 536,962.51 5.00 84,748.82
621,711.33 671,448.24 6.00 84,748.82
756,197.06 816,692.82 7.00 84,748.82
901,441.64 973,556.97 8.00 84,748.82
1,058,305.79 1,142,970.25 9.00 84,748.82
1,227,719.07 1,325,936.60 10 84,748.82
1,410,685.42 1,523,540.25 11 84,748.82
1,608,289.07 1,736,952.20 12 84,748.82
1,821,701.02 1,967,437.10 13 84,748.82
2,052,185.92 2,216,360.80 14 84,748.82
1,941,360.80 2,096,669.66 15 275,000
1,821,669.66 1,967,403.23 16 275,000.00
1,417,403.23 1,530,795.49 17 275,000.00
980,795.49 1,059,259.13 18 550,000.00
509,259.13 549,999.86 19 550,000.00
- 0.14 - 0.15 20 550,000.00
 Cmpd I
6779.91
14102.20
22010.29
30551.01
39775.00
49736.91
60495.76
72115.33
84664.46
98217.53
112854.83
128663.13
145736.08
164174.87
155308.86
145733.57
113392.26
78463.64
40740.73
-0.01