| | | | | | | | | | | . | Tax Rate | 25% | | | | | | | | | . | Inflation | 4% | | | | | | | | | . | Rate of Return | 8% | | | | | | | | | . | Yearly Savings | 17,750.00 | | Beginning Balance | Ending Balance | Withdrawn | | | 2007 $$ | Inflation Adjusted | . | Tax Sheltered Funds | 19,500.00 | 1 | 17,750.00 | 19,170.00 | 0.00 | | | 5,000.00 | 5,000.00 | . | | | 2 | 36,920.00 | 39,873.60 | 0.00 | | | 5,000.00 | 5,408.00 | . | | | 3 | 57,623.60 | 62,233.49 | 0.00 | | | 5,000.00 | 5,624.32 | . | | | 4 | 79,983.49 | 86,382.17 | 0.00 | | | 5,000.00 | 5,849.29 | . | | | 5 | 104,132.17 | 112,462.74 | 0.00 | | | 5,000.00 | 6,083.26 | . | | | 6 | 130,212.74 | 140,629.76 | 0.00 | | | 5,000.00 | 6,326.60 | . | | | 7 | 158,379.76 | 171,050.14 | 0.00 | | | 5,000.00 | 6,579.66 | . | | | 8 | 188,800.14 | 203,904.15 | 0.00 | | | 5,000.00 | 6,842.85 | . | | | 9 | 221,654.15 | 239,386.48 | 0.00 | | | 5,000.00 | 7,116.56 | . | | | 10 | 257,136.48 | 277,707.40 | 0.00 | | | 5,000.00 | 7,401.22 | . | | | 11 | 295,457.40 | 319,093.99 | 0.00 | | | 5,000.00 | 7,697.27 | . | | | 12 | 336,843.99 | 363,791.51 | 0.00 | | | 5,000.00 | 8,005.16 | . | | | 13 | 381,541.51 | 412,064.84 | 0.00 | | | 5,000.00 | 8,325.37 | . | | | 14 | 429,814.84 | 464,200.02 | 0.00 | | | 5,000.00 | 8,658.38 | . | | | 15 | 481,950.02 | 520,506.02 | 0.00 | | | 5,000.00 | 9,004.72 | . | | | 16 | 538,256.02 | 581,316.51 | 0.00 | | | 5,000.00 | 9,364.91 |
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| | | | | | | | | | | . | | | 17 | 599,066.51 | 646,991.83 | 0.00 | | | 5,000.00 | 9,739.50 | . | | | 18 | 664,741.83 | 717,921.17 | 0.00 | | | 5,000.00 | 10,129.08 | . | | | 19 | 735,671.17 | 794,524.87 | 0.00 | | | 5,000.00 | 10,534.25 | . | | | 20 | 812,274.87 | 877,256.86 | 0.00 | | | 5,000.00 | 10,955.62 | . | | | 21 | 895,006.86 | 966,607.40 | 0.00 | | | 5,000.00 | 11,393.84 | . | | | 22 | 984,357.40 | 1,063,106.00 | 0.00 | | | 5,000.00 | 11,849.59 | . | | | 23 | 1,080,856.00 | 1,167,324.48 | 0.00 | | | 5,000.00 | 12,323.58 | . | | | 24 | 1,185,074.48 | 1,279,880.43 | 0.00 | | | 5,000.00 | 12,816.52 | . | | | 25 | 1,297,630.43 | 1,401,440.87 | 0.00 | | | 5,000.00 | 13,329.18 | . | | | 26 | 1,419,190.87 | 1,532,726.14 | 0.00 | | | 5,000.00 | 13,862.35 | . | | | 27 | 1,550,476.14 | 1,674,514.23 | 0.00 | | | 5,000.00 | 14,416.84 | . | | | 28 | 1,692,264.23 | 1,827,645.37 | 0.00 | | | 5,000.00 | 14,993.52 | . | | | 29 | 1,845,395.37 | 1,993,027.00 | 0.00 | | | 5,000.00 | 15,593.26 | . | | | 30 | 2,010,777.00 | 2,171,639.16 | 0.00 | | | 5,000.00 | 16,216.99 | . | | | 31 | 2,189,389.16 | 2,364,540.29 | 0.00 | | | 5,000.00 | 16,865.67 | . | | | 32 | 2,382,290.29 | 2,572,873.51 | 0.00 | | | 5,000.00 | 17,540.29 | . | | | 33 | 2,590,623.51 | 2,797,873.39 | 0.00 | | | 5,000.00 | 18,241.91 | . | | | 34 | 2,815,623.39 | 3,040,873.27 | 0.00 | | | 5,000.00 | 18,971.58 | . | | | 35 | 3,058,623.27 | 3,303,313.13 | 0.00 | | | 5,000.00 | 19,730.44 | . | | | 36 | 3,321,063.13 | 3,586,748.18 | 0.00 | | | 5,000.00 | 20,519.66 |
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| | | | | | | | | | | . | | | 37 | 3,604,498.18 | 3,892,858.03 | 0.00 | | | 5,000.00 | 21,340.45 | . | | | 38 | 3,910,608.03 | 4,223,456.67 | 0.00 | | | 5,000.00 | 22,194.07 | . | | | 39 | 4,241,206.67 | 4,580,503.21 | 0.00 | | | 5,000.00 | 23,081.83 | . | | | 40 | 4,598,253.21 | 4,966,113.46 | 0.00 | | | 5,000.00 | 24,005.10 | . | | | 41 | 4,966,113.46 | 5,039,852.16 | 299,583.69 | | | 5,000.00 | 24,965.31 | . | | | 42 | 5,039,852.16 | 5,106,547.93 | 311,567.03 | | | 5,000.00 | 25,963.92 | . | | | 43 | 5,106,547.93 | 5,165,119.68 | 324,029.72 | | | 5,000.00 | 27,002.48 | . | | | 44 | 5,165,119.68 | 5,214,379.07 | 336,990.90 | | | 5,000.00 | 28,082.58 | . | | | 45 | 5,214,379.07 | 5,253,021.21 | 350,470.54 | | | 5,000.00 | 29,205.88 | . | | | 46 | 5,253,021.21 | 5,279,614.40 | 364,489.36 | | | 5,000.00 | 30,374.11 | . | | | 47 | 5,279,614.40 | 5,292,589.10 | 379,068.94 | | | 5,000.00 | 31,589.08 | . | | | 48 | 5,292,589.10 | 5,290,226.00 | 394,231.69 | | | 5,000.00 | 32,852.64 | . | | | 49 | 5,290,226.00 | 5,270,643.04 | 410,000.96 | | | 5,000.00 | 34,166.75 | . | | | 50 | 5,270,643.04 | 5,231,781.40 | 426,401.00 | | | 5,000.00 | 35,533.42 | . | | | 51 | 5,231,781.40 | 5,171,390.31 | 443,457.04 | | | 5,000.00 | 36,954.75 | . | | | 52 | 5,171,390.31 | 5,087,010.58 | 461,195.32 | | | 5,000.00 | 38,432.94 | . | | | 53 | 5,087,010.58 | 4,975,956.84 | 479,643.14 | | | 5,000.00 | 39,970.26 | . | | | 54 | 4,975,956.84 | 4,835,298.22 | 498,828.86 | | | 5,000.00 | 41,569.07 | . | | | 55 | 4,835,298.22 | 4,661,837.50 | 518,782.02 | | | 5,000.00 | 43,231.83 | . | | | 56 | 4,661,837.50 | 4,452,088.55 | 539,533.30 | | | 5,000.00 | 44,961.11 |
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| | | | | | | | | | | . | | | 57 | 4,452,088.55 | 4,202,251.83 | 561,114.63 | | | 5,000.00 | 46,759.55 | . | | | 58 | 4,202,251.83 | 3,908,188.03 | 583,559.21 | | | 5,000.00 | 48,629.93 | . | | | 59 | 3,908,188.03 | 3,565,389.36 | 606,901.58 | | | 5,000.00 | 50,575.13 | . | | | 60 | 3,565,389.36 | 3,168,948.65 | 631,177.64 | | | 5,000.00 | 52,598.14 | . | | | 61 | 3,168,948.65 | 2,713,525.82 | 656,424.75 | | | 5,000.00 | 54,702.06 | . | | | 62 | 2,713,525.82 | 2,193,311.60 | 682,681.74 | | | 5,000.00 | 56,890.15 | . | | | 63 | 2,193,311.60 | 1,601,988.40 | 709,989.01 | | | 5,000.00 | 59,165.75 | . | | | 64 | 1,601,988.40 | 932,687.82 | 738,388.57 | | | 5,000.00 | 61,532.38 | . | | | 65 | 932,687.82 | 177,944.80 | 767,924.11 | | | 5,000.00 | 63,993.68 |
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