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No guarantees, implied or otherwise are provided. This tool is provided for informal planning purposes only. Use at your own risk.
Date
NonIRA
IRA w/d IRA period
SS
Taxes
Expenses AgeInputs
Enter Values
Do not enter any values in Columns A through F
IRA Total
$950,000
Non-IRA Total
$950,000
$0.00
Jan-10
$954,723
$954,723 $1,909,446
$0
###
$62,057
$62,057
$0
$9,309 $45,105 ###Mo. IRA Savings
$0
-688.55
Jan-11 $1,016,780
$962,367 $1,979,147
$0
###
$66,091
$62,554
$0
$9,383 $46,459 ###Mo Non IRA Sav
$0
Jan-12 $1,082,871
$969,078 $2,051,949
$0
###
$70,387
$62,990
$0
$9,449 $47,854 ###Retire Date
Jan-10
Dec-12 $1,153,257
$974,766 $2,128,024
$0
###
$74,962
$63,360
$0
$9,504 $49,290 ###Birth Date
Aug-52
0.54%
Jan-14 $1,228,219
$979,332 $2,207,551
$0
###
$79,834
$63,657
$0
$9,548 $50,770 ###Annual Exp#
$45,000
Jan-15 $1,308,053
$982,670 $2,290,723
$0
###
$85,023
$63,874
$0
$9,581 $52,294 ###Tax rate
33.50%
Jan-16 $1,393,077
$984,668 $2,377,745
$0
###
$90,550
$64,003
$0
$9,601 $53,864 ###Invest return
6.50%
Dec-16 $1,483,627
$985,207 $2,468,834
$0
###
$96,436
$64,038
$0
$9,606 $55,481 ###Inflation
3.00%
Jan-18 $1,580,062
$984,158 $2,564,221
$0
###
###
$63,970 $14,000
$9,596 $57,147 ###Pension
$0
Jan-19 $1,682,767
$995,386 $2,678,153
$0
###
###
$64,700 $14,000
$9,705 $58,862 ###SS
$14,000
Jan-20 $1,792,146 $1,005,519 $2,797,666
$0
###
###
$65,359 $14,000
$9,804 $60,629 ###Pension/SS
$14,000
Dec-20 $1,908,636 $1,014,445 $2,923,081
$0
###
###
$65,939 $14,000
$9,891 $62,450 ###Pen/SS Date*
Jan-17
Jan-22 $2,032,697 $1,022,043 $3,054,740
$0
###
###
$66,433 $14,000
$9,965 $64,324 ###Div./Cap. Gains %
50.00%
Jan-23 $2,164,823 $1,028,187 $3,193,009 $79,008
27.4
###
$66,832 $14,000 $36,493 $66,255 ###IRA Withdrawl%
50.00%
Jan-24 $2,226,528 $1,085,279 $3,311,807 $84,020
26.5
###
$70,543 $14,000 $38,728 $68,245 ###Enter Date*:
Jan-52
Dec-24 $2,287,232 $1,146,869 $3,434,102 $89,345
25.6
###
$74,547 $14,000 $41,113 $70,293 ###Assetts
$12,867,799
Jan-26 $2,346,557 $1,213,355 $3,559,912 $95,002
24.7
###
$78,868 $14,000 $43,656
$8,253 ###Today
12/3/2009
Jan-27 $2,404,081 $1,349,316 $3,753,397$101,012
23.8
###
$87,706 $14,000 $46,995
$8,501 ### Notes:
Jan-28 $2,459,335 $1,496,538 $3,955,873$107,395
22.9
###
$97,275 $14,000 $50,568
$8,756 ### *Enter Date as 1/1/xxxx
Dec-28 $2,511,797 $1,655,883 $4,167,680$114,173
22
### $107,632 $14,000 $54,393
$9,019### #Expenses exclusive of income taxes
57.42
Jan-30 $2,560,891 $1,828,277 $4,389,168$120,797
21.2
### $118,838 $14,000 $58,293
$9,289 ###
Jan-31 $2,606,552 $2,014,330 $4,620,882$128,402
20.3
### $130,931 $14,000 $62,654
$9,568 ###
Jan-32 $2,647,577 $2,215,441 $4,863,017$135,773
19.5
### $144,004 $14,000 $67,085
$9,855 ###
Dec-32 $2,683,896 $2,432,278 $5,116,174$143,524
18.7
### $158,098 $14,000 $71,795 $10,151 ###
Jan-34 $2,714,825 $2,665,954 $5,380,779$151,666
17.9
### $173,287 $14,000 $76,801 $10,455 ###
Jan-35 $2,739,623 $2,917,651 $5,657,274$160,212
17.1
### $189,647 $14,000 $82,118 $10,769 ###
Jan-36 $2,757,486 $3,188,623 $5,946,110$169,171
16.3
### $207,261 $14,000 $87,761 $11,092 ###
Dec-36 $2,767,552 $3,480,202 $6,247,754$178,552
15.5
### $226,213 $14,000 $93,747 $11,425 ###
State Tax
Tax
Jan-38 $2,768,891 $3,793,795 $6,562,687$187,087
14.8
### $246,597 $14,000 $99,664 $11,767 ###Income
Fed Tax
Jan-39 $2,761,782 $4,130,048 $6,891,830$195,871
14.1
### $268,453 $14,000 $105,885 $12,120 ###
1.50%
14.50%
Jan-40 $2,745,427 $4,490,367 $7,235,794$204,883
13.4
### $291,874 $14,000 $112,417 $12,484 ###
$25,000
13.00%
2.54%
22.75%
Dec-40 $2,718,997 $4,876,223 $7,595,220$214,094
12.7
### $316,955 $14,000 $119,265 $12,858 ###
$50,000
20.21%
3.53%
27.04%
Jan-42 $2,681,637 $5,289,149 $7,970,786$223,470
12
### $343,795 $14,000 $126,432 $13,244 ###
$75,000
23.51%
3.94%
28.52%
Jan-43 $2,632,474 $5,730,738 $8,363,212$230,919
11.4
### $372,498 $14,000 $133,232 $13,641 ###
$87,500
24.58%
4.24%
29.63%
Jan-44 $2,572,666 $6,201,280 $8,773,947$238,210
10.8
### $403,083 $14,000 $140,263 $14,051 ###
$100,000
25.38%
4.95%
32.21%
Dec-44 $2,501,680 $6,702,260 $9,203,940$245,263
10.2
### $435,647 $14,000 $147,510 $14,472 ###
$150,000
27.25%
5.31%
33.50%
Jan-46 $2,419,026 $7,235,187 $9,654,213$251,982
9.6
### $470,287 $14,000 $154,957 $14,906 ###
$200,000
28.19%
Jan-47 $2,324,281 $7,801,593 $10,125,874$255,415
9.1
### $507,104 $14,000 $161,630 $15,354 ###
Jan-48 $2,219,944 $8,401,129 $10,621,072$258,133
8.6
### $546,073 $14,000 $168,386 $15,814 ### Cap Gains/Div
15%
Dec-48 $2,106,107 $9,035,135 $11,141,242$260,013
8.1
### $587,284 $14,000 $175,197 $16,289 ###
Jan-50 $1,982,991 $9,704,947 $11,687,937$260,920
7.6
### $630,822 $14,000 $182,031 $16,777 ###
Jan-51 $1,850,965 $10,411,879 $12,262,845 $260,699
7.1
### $676,772 $14,000 $188,850 $17,281 ###
Jan-52 $1,710,579 $11,157,220 $12,867,799 $255,310
6.7
### $725,219 $14,000 $194,312 $17,799 ###
Dec-52 $1,566,456 $11,939,639 $13,506,095$248,644
6.3
### $776,077 $14,000 $199,707 $18,333 ###
Jan-54 $1,419,632 $12,760,319 $14,179,951 $240,616
5.9
$92,276 $829,421 $14,000 $205,019 $18,883 ###
Jan-55 $1,271,292 $13,620,453 $14,891,746 $231,144
5.5
$82,634 $885,329 $14,000 $210,233 $19,449 ###
Jan-56 $1,122,782 $14,521,245 $15,644,027 $215,920
5.2
$72,981 $943,881 $14,000 $213,915 $20,033 ###
Dec-56
$979,843 $15,461,097 $16,440,940 $199,968
4.9
$63,690 $1,004,971 $14,000 $217,735 $20,634 ###
Jan-58
$843,565 $16,441,667 $17,285,233 $187,459
4.5
$54,832 $1,068,708 $14,000 $223,105 $21,253 ###
Jan-59
$710,938 $17,467,477 $18,178,415 $169,271
4.2
$46,211 $1,135,386 $14,000 $227,014 $21,891 ###
Jan-60
$587,878 $18,537,230 $19,125,108 $150,738
3.9
$38,212 $1,204,920 $14,000 $231,235 $22,547 ###
Dec-60
$475,352 $19,653,105 $20,128,457 $128,474
3.7
$30,898 $1,277,452 $14,000 $234,656 $23,224 ###
Jan-62
$377,777 $20,815,150 $21,192,927 $111,111
3.4
$24,555 $1,352,985 $14,000 $240,170 $23,920 ###
Jan-63
$291,221 $22,029,156 $22,320,377 $93,942
3.1
$18,929 $1,431,895 $14,000 $246,255 $24,638 ###
Jan-64
$216,208 $23,298,100 $23,514,308 $74,555
2.9
$14,054 $1,514,377 $14,000 $252,132 $25,377 ###
Dec-64
$155,707 $24,623,522 $24,779,229 $59,887
2.6
$10,121 $1,600,529 $14,000 $260,142 $26,138 ###
Jan-66
$105,941 $26,011,658 $26,117,599 $44,142
2.4
$6,886 $1,690,758 $14,000 $268,401 $26,923 ###
Jan-67
$68,685 $27,465,234 $27,533,919 $32,707
2.1
$4,465 $1,785,240 $14,000 $278,743 $27,730 ###
Jan-68
$40,442 $28,990,708 $29,031,150 $21,285
1.9
$2,629 $1,884,396 $14,000 $289,790 $28,562 ###
Dec-68
$21,786 $30,592,037 $30,613,823 $11,466
1.9
$1,416 $1,988,482 $14,000 $302,114 $29,419 ###
Jan-70
$11,736 $32,274,453 $32,286,189 $6,177
1.9
$763 $2,097,839 $14,000 $316,745 $30,302 ###
Jan-71
$6,322 $34,045,423 $34,051,744 $3,327
1.9
$411 $2,212,952 $14,000 $333,057 $31,211 ###
Jan-72
$3,405 $35,911,434 $35,914,840 $1,792
1.9
$221 $2,334,243 $14,000 $350,737 $32,147 ###
Dec-72
$1,834 $37,878,586 $37,880,420
$966
1.9
$119 $2,462,108 $14,000 $369,640 $33,111 ###
Jan-74
$988 $39,952,908 $39,953,896
$520
1.9
$64 $2,596,939 $14,000 $389,715 $34,105 ###
Jan-75
$532 $42,140,548 $42,141,080
$280
1.9
$35 $2,739,136 $14,000 $410,964 $35,128 ###
Jan-76
$287 $44,447,871 $44,448,158
$151
1.9
$19 $2,889,112 $14,000 $433,417 $36,182 ###
Dec-76
$154 $46,881,535 $46,881,689
$81
1.9
$10 $3,047,300 $14,000 $457,122 $37,267 ###
Jan-78
$83 $49,448,526 $49,448,610
$44
1.9
$5 $3,214,154 $14,000 $482,138 $38,385 ###
Jan-79
$45 $52,156,201 $52,156,246
$24
1.9
$3 $3,390,153 $14,000 $508,531 $39,537 ###
Jan-80
$24 $55,012,310 $55,012,335
$13
1.9
$2 $3,575,800 $14,000 $536,374 $40,723 ###
Dec-80
$13 $58,025,026 $58,025,039
$7
1.9
$1 $3,771,627 $14,000 $565,746 $41,945 ###
Jan-82
$7 $61,202,969 $61,202,976
$4
1.9
$0 $3,978,193 $14,000 $596,730 $43,203 ###
Jan-83
$4 $64,555,232 $64,555,236
$2
1.9
$0 $4,196,090 $14,000 $629,414 $44,499 ###
Jan-84
$2 $68,091,411 $68,091,413
$1
1.9
$0 $4,425,942 $14,000 $663,892 $45,834 ###
Dec-84
$1 $71,821,629 $71,821,630
$1
1.9
$0 $4,668,406 $14,000 $700,261 $47,209 ###
Jan-86
$1 $75,756,565 $75,756,566
$0
1.9
$0 $4,924,177 $14,000 $738,627 $48,625 ###
Jan-87
$0 $79,907,490 $79,907,491
$0
1.9
$0 $5,193,987 $14,000 $779,098 $50,084 ###
Jan-88
$0 $84,286,295 $84,286,295
$0
1.9
$0 $5,478,609 $14,000 $821,791 $51,587 ###
Dec-88
$0 $88,905,527 $88,905,527
$0
1.9
$0 $5,778,859 $14,000 $866,829 $53,134 ###
Jan-90
$0 $93,778,423 $93,778,423
$0
1.9
$0 $6,095,597 $14,000 $914,340 $54,728 ###
Jan-91
$0 $98,918,953 $98,918,953
$0
1.9
$0 $6,429,732 $14,000 $964,460 $56,370 ###
Jan-92
$0
###
###
$0
1.9
$0 $6,782,221 $14,000
### $58,061 ###
Dec-92
$0
###
###
$0
1.9
$0 $7,154,074 $14,000
### $59,803 ###
Jan-94
$0
###
###
$0
1.9
$0 $7,546,360 $14,000
### $61,597 ###
Jan-95
$0
###
###
$0
1.9
$0 $7,960,202 $14,000
### $63,445 ###
Jan-96
$0
###
###
$0
1.9
$0 $8,396,790 $14,000
### $65,348 ###
Dec-96
$0
###
###
$0
1.9
$0 $8,857,375 $14,000
### $67,309 ###
Jan-98
$0
###
###
$0
1.9
$0 $9,343,279 $14,000
### $69,328 ###
Jan-99
$0
###
###
$0
1.9
$0 $9,855,899 $14,000
### $71,408 ###
Jan-00
$0
###
###
$0
1.9
$0
### $14,000
### $73,550 ###
Jan-01
$0
###
###
$0
1.9
$0
### $14,000
### $75,757 ###
Jan-02
$0
###
###
$0
1.9
$0
### $14,000
### $78,029 ###
Jan-03
$0
###
###
$0
1.9
$0
### $14,000
### $80,370 ###
Jan-04
$0
###
###
$0
1.9
$0
### $14,000
### $82,781 ###
Jan-05
$0
###
###
$0
1.9
$0
### $14,000
### $85,265 ###
Jan-06
$0
###
###
$0
1.9
$0
### $14,000
### $87,823 ###
Jan-07
$0
###
###
$0
1.9
$0
### $14,000
### $90,457 ###
Jan-08
$0
###
###
$0
1.9
$0
### $14,000
### $93,171 ###
Jan-09
$0
###
###
$0
1.9
$0
### $14,000
### $95,966 ###
Jan-10
$0
###
###
$0
1.9
$0
### $14,000
### $98,845 ###
Jan-11
$0
###
###
$0
1.9
$0
### $14,000
### $101,810 ###
Jan-12
$0
###
###
$0
1.9
$0
### $14,000
### $104,865 ###
Jan-13
$0
###
###
$0
1.9
$0
### $14,000
### $108,011 ###
Jan-14
$0
###
###
$0
1.9
$0
### $14,000
### $111,251 ###
Jan-15
$0
###
###
$0
1.9
$0
### $14,000
### $114,589 ###
Jan-16
$0
###
###
$0
1.9
$0
### $14,000
### $118,026 ###
Jan-17
$0
###
###
$0
1.9
$0
### $14,000
### $121,567 ###
Jan-18
$0
###
###
$0
1.9
$0
### $14,000
### $125,214 ###
Jan-19
$0
###
###
$0
1.9
$0
### $14,000
### $128,970 ###
Jan-20
$0
###
###
$0
1.9
$0
### $14,000
### $132,840 ###
Jan-21
$0
###
###
$0
1.9
$0
### $14,000
### $136,825 ###
Jan-22
$0
###
###
$0
1.9
$0
### $14,000
### $140,929 ###
Jan-23
$0
###
###
$0
1.9
$0
### $14,000
### $145,157 ###
IRA Invest
total
Total IRA +
non IRA

Annual
IRA
return

Annual non
IRA return

Insert personal
Data in Cells N2
through N18
only!
Do not change
any other cells!

No guarantees, implied or
otherwise are provided.
This tool is provided for
informal planning purposes
only. Use at your own risk.

Jan-26
Jan-30
Jan-34
Jan-38
Jan-42
Jan-46
Jan-50
Jan-54
Jan-58
Jan-62
Jan-66
Jan-70
Jan-74
Jan-78
Jan-82
Jan-86
Jan-90
Jan-94
Jan-98
Jan-02
Jan-06
Jan-10
Jan-14
Jan-18
$0
$50,000,000
$100,000,000
$150,000,000
$200,000,000
$250,000,000
$300,000,000
$350,000,000
$400,000,000
$450,000,000
$500,000,000
Assets
Column D
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
### $149,512 ###
Jan-25
$0
###
###
$0
1.9
$0
### $14,000
### $153,997 ###
Required minimum IRA distributions
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

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

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.

Age of
retiree

Distribution
period (in
years)

Age of
retiree

Distribution
period (in
years)

Age of
retiree

Distribution
period (in
years)

100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
100000000
0000000
of 00

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