Annual Annual

IRA Invest Total IRA + IRA IRA non IRA

Date total NonIRA non IRA IRA w/d period return return SS Taxes Expenses Inputs Enter Values
Do not enter any values in Columns A through F IRA Total $1,000,000
Non-IRA Total $1,000,000 $0.00
Feb-07 $901,081 $901,081 $1,802,163 $58,570 $58,570 $0 $8,786 $42,853 Mo. IRA Savings $0 Insert personal 172.15
Feb-08
Feb-09
$959,652
$1,022,029
$908,013
$914,042
$1,867,665
$1,936,071
$62,377
$66,432
$59,021
$59,413
$0
$0
$8,853
$8,912
$44,138
$45,463
Mo Non IRA Sav
70.5 Date*
$0
Feb-23
Data in Cells I2
Feb-10
Feb-11
$1,088,461
$1,159,211
$919,081
$923,033
$2,007,541
$2,082,244
$70,750
$75,349
$59,740
$59,997
$0
$0
$8,961
$9,000
$46,826
$48,231
Annual Exp#
Tax rate
$45,000
33.50%
through I15 0.54%

Feb-12
Feb-13
$1,234,559
$1,314,806
$925,800
$927,272
$2,160,359
$2,242,078
$80,246
$85,462
$60,177
$60,273
$0
$0
$9,027
$9,041
$49,678
$51,169
Invest return
Inflation
6.50%
3.00%
only!
Feb-14 $1,400,268 $927,335 $2,327,603 $91,017 $60,277 $0 $9,042 $52,704 Pension $0 Do not change
Feb-15 $1,491,286 $925,867 $2,417,152 $96,934 $60,181 $0 $9,027 $54,285 SS $14,000
Feb-16 $1,588,219 $922,736 $2,510,955 ### $59,978 $0 $8,997 $55,913 Pension/SS $14,000 any other cells!
Feb-17 $1,691,453 $917,804 $2,609,258 ### $59,657 $14,000 $8,949 $57,591 Pen/SS Date* Jan-17 No guarantees, implied or
Feb-18 $1,801,398 $924,922 $2,726,320 ### $60,120 $14,000 $9,018 $59,318 Div./Cap. Gains % 50.00% otherwise are provided. This
Feb-19 $1,918,489 $930,706 $2,849,195 ### $60,496 $14,000 $9,074 $61,098 IRA Withdrawl% 50.00% tool is provided for informal
Feb-20 $2,043,191 $935,029 $2,978,220 ### $60,777 $14,000 $9,117 $62,931 Enter Date*: Jan-52 planning purposes only. Use
Feb-21 $2,175,998 $937,759 $3,113,757 ### $60,954 $14,000 $9,143 $64,819 Assetts $8,348,770
at your own risk.
Feb-22 $2,317,438 $938,751 $3,256,189 ### $61,019 $14,000 $9,153 $66,763 Today 10/15/2008
Feb-23 $2,468,071 $937,854 $3,405,925 $90,076 27.4 ### $60,960 $14,000 $39,319 $68,766 Notes:
Feb-24 $2,538,420 $994,804 $3,533,225 $95,789 26.5 ### $64,662 $14,000 $41,789 $70,829 *Enter Date as 1/1/xxxx
Feb-25 $2,607,628 $1,056,638 $3,664,266 $101,860 25.6 ### $68,681 $14,000 $44,425 $72,954 #Expenses exclusive of income taxes
Feb-26 $2,675,264 $1,123,800 $3,799,064 $108,310 24.7 ### $73,047 $14,000 $47,241 $75,143
Feb-27 $2,740,845 $1,196,774 $3,937,619 $115,162 23.8 ### $77,790 $14,000 $50,248 $77,397
Feb-28 $2,803,839 $1,276,081 $4,079,920 $122,438 22.9 ### $82,945 $14,000 $53,459 $79,719
Feb-29 $2,863,650 $1,362,287 $4,225,937 $130,166 22 ### $88,549 $14,000 $56,888 $82,111
Feb-30 $2,919,621 $1,456,003 $4,375,624 $137,718 21.2 ### $94,640 $14,000 $60,332 $84,574
Feb-31 $2,971,679 $1,557,456 $4,529,135 $146,388 20.3 ### $101,235 $14,000 $64,225 $87,111
Feb-32 $3,018,450 $1,667,742 $4,686,192 $154,792 19.5 ### $108,403 $14,000 $68,116 $89,724
Feb-33 $3,059,857 $1,787,098 $4,846,954 $163,629 18.7 ### $116,161 $14,000 $72,240 $92,416
Feb-34 $3,095,119 $1,916,232 $5,011,350 $172,912 17.9 ### $124,555 $14,000 $76,609 $95,189 Income Fed Tax State Tax Tax
Feb-35 $3,123,390 $2,055,901 $5,179,291 $182,654 17.1 ### $133,634 $14,000 $81,234 $98,044
Feb-36 $3,143,756 $2,206,911 $5,350,666 $192,868 16.3 ### $143,449 $14,000 $86,128 $100,986 $25,000 13.00% 1.50% 14.50%
Feb-37 $3,155,231 $2,370,114 $5,525,346 $203,563 15.5 ### $154,057 $14,000 $91,302 $104,015 $50,000 20.21% 2.54% 22.75%
Feb-38 $3,156,758 $2,546,418 $5,703,176 $213,294 14.8 ### $165,517 $14,000 $96,281 $107,136 $75,000 23.51% 3.53% 27.04%
Feb-39 $3,148,653 $2,735,812 $5,884,465 $223,309 14.1 ### $177,828 $14,000 $101,483 $110,350 $87,500 24.58% 3.94% 28.52%
Feb-40 $3,130,007 $2,939,117 $6,069,123 $233,583 13.4 ### $191,043 $14,000 $106,907 $113,660 $100,000 25.38% 4.24% 29.63%
Feb-41 $3,099,874 $3,157,175 $6,257,050 $244,085 12.7 ### $205,216 $14,000 $112,551 $117,070 $150,000 27.25% 4.95% 32.21%
Feb-42 $3,057,282 $3,390,855 $6,448,137 $254,773 12 ### $220,406 $14,000 $118,410 $120,582 $200,000 28.19% 5.31% 33.50%
Feb-43 $3,001,231 $3,641,042 $6,642,274 $263,266 11.4 ### $236,668 $14,000 $123,694 $124,200
Feb-44 $2,933,046 $3,907,082 $6,840,128 $271,578 10.8 ### $253,960 $14,000 $129,073 $127,926 Cap Gains/Div 15%
Feb-45 $2,852,115 $4,189,623 $7,041,738 $279,619 10.2 ### $272,325 $14,000 $134,521 $131,763
Feb-46 $2,757,884 $4,489,283 $7,247,166 $287,280 9.6 ### $291,803 $14,000 $140,009 $135,716 $105,000,000
Feb-47 $2,649,866 $4,806,640 $7,456,507 $291,194 9.1 ### $312,432 $14,000 $144,415 $139,788 $100,000,000
Feb-48 $2,530,914 $5,140,064 $7,670,977 $294,292 8.6 ### $334,104 $14,000 $148,704 $143,981 $95,000,000
Feb-49 $2,401,131 $5,489,775 $7,890,906 $296,436 8.1 ### $356,835 $14,000 $152,831 $148,301 $90,000,000
Feb-50 $2,260,768 $5,855,914 $8,116,683 $297,470 7.6 ### $380,634 $14,000 $156,747 $152,750 $85,000,000
Feb-51 $2,110,249 $6,238,521 $8,348,770 $297,218 7.1 ### $405,504 $14,000 $160,394 $157,332
$80,000,000
Feb-52 $1,950,197 $6,637,517 $8,587,714 $291,074 6.7 ### $431,439 $14,000 $162,226 $162,052
$75,000,000
Feb-53 $1,785,885 $7,049,752 $8,835,638 $283,474 6.3 ### $458,234 $14,000 $163,699 $166,914
Feb-54 $1,618,494 $7,474,847 $9,093,342 $274,321 5.9 ### $485,865 $14,000 $164,777 $171,921 $70,000,000
Feb-55 $1,449,375 $7,912,335 $9,361,710 $263,523 5.5 $94,209 $514,302 $14,000 $165,425 $177,079 $65,000,000
Feb-56 $1,280,062 $8,361,655 $9,641,717 $246,166 5.2 $83,204 $543,508 $14,000 $163,992 $182,391 $60,000,000
Feb-57 $1,117,100 $8,818,946 $9,936,046 $227,980 4.9 $72,612 $573,231 $14,000 $162,358 $187,863 $55,000,000
Feb-58 $961,732 $9,283,936 $10,245,668 $213,718 4.5 $62,513 $603,456 $14,000 $162,114 $193,499 $50,000,000
Feb-59 $810,526 $9,759,497 $10,570,024 $192,982 4.2 $52,684 $634,367 $14,000 $159,804 $199,304 $45,000,000 Column D
Feb-60 $670,228 $10,241,739 $10,911,967 $171,853 3.9 $43,565 $665,713 $14,000 $157,428 $205,283
$40,000,000
Feb-61 $541,940 $10,730,595 $11,272,535 $146,470 3.7 $35,226 $697,489 $14,000 $153,691 $211,441
$35,000,000
Feb-62 $430,695 $11,223,422 $11,654,117 $126,675 3.4 $27,995 $729,522 $14,000 $151,865 $217,785
Feb-63 $332,016 $11,723,970 $12,055,986 $107,102 3.1 $21,581 $762,058 $14,000 $150,188 $224,318 $30,000,000
Feb-64 $246,495 $12,232,624 $12,479,119 $84,998 2.9 $16,022 $795,121 $14,000 $147,742 $231,048 $25,000,000
Feb-65 $177,519 $12,747,952 $12,925,471 $68,276 2.6 $11,539 $828,617 $14,000 $147,165 $237,979 $20,000,000
Feb-66 $120,781 $13,273,702 $13,394,483 $50,325 2.4 $7,851 $862,791 $14,000 $146,278 $245,119 $15,000,000
Feb-67 $78,306 $13,809,421 $13,887,728 $37,289 2.1 $5,090 $897,612 $14,000 $147,134 $252,472 $10,000,000
Feb-68 $46,108 $14,358,717 $14,404,824 $24,267 1.9 $2,997 $933,317 $14,000 $148,127 $260,046 $5,000,000
Feb-69 $24,837 $14,922,127 $14,946,965 $13,072 1.9 $1,614 $969,938 $14,000 $149,870 $267,848 $0
Feb-70 $13,380 $15,501,420 $15,514,800 $7,042 1.9 $870 ### $14,000 $153,498 $275,883 FFF FFFFFF FFFFFF FFFFFF FFFFFF FFFFFFF FFFFFF FFFFFF FF
Feb-71 $7,207 $16,100,674 $16,107,881 $3,793 1.9 $468 ### $14,000 $158,252 $284,160 eee eeeeee eeeeee eeeeee eeeeee eeeeeee eeeeee eeeeee ee
Feb-72 $3,882 $16,722,599 $16,726,481 $2,043 1.9 $252 ### $14,000 $163,730 $292,684 bbb bbbbbb bbbbbb bbbbbb bbbbbb bbbbbbb bbbbbb bbbbbb bb
Feb-73 $2,091 $17,369,197 $17,371,289 $1,101 1.9 $136 ### $14,000 $169,718 $301,465
Feb-74 $1,127 $18,042,112 $18,043,239 $593 1.9 $73 ### $14,000 $176,109 $310,509
Feb-75 $607 $18,742,825 $18,743,432 $319 1.9 $39 ### $14,000 $182,850 $319,824
Feb-76 $327 $19,472,754 $19,473,081 $172 1.9 $21 ### $14,000 $189,917 $329,419
Feb-77 $176 $20,233,319 $20,233,495 $93 1.9 $11 ### $14,000 $197,306 $339,301
Feb-78 $95 $21,025,971 $21,026,065 $50 1.9 $6 ### $14,000 $205,020 $349,480
Feb-79 $51 $21,852,208 $21,852,259 $27 1.9 $3 ### $14,000 $213,068 $359,965
Feb-80 $28 $22,713,596 $22,713,623 $14 1.9 $2 ### $14,000 $221,462 $370,764
Feb-81 $15 $23,611,768 $23,611,783 $8 1.9 $1 ### $14,000 $230,217 $381,887
Feb-82 $8 $24,548,437 $24,548,445 $4 1.9 $1 ### $14,000 $239,349 $393,343
Feb-83 $4 $25,525,397 $25,525,402 $2 1.9 $0 ### $14,000 $248,873 $405,144
Feb-84 $2 $26,544,533 $26,544,536 $1 1.9 $0 ### $14,000 $258,810 $417,298
Feb-85 $1 $27,607,822 $27,607,823 $1 1.9 $0 ### $14,000 $269,176 $429,817
Feb-86 $1 $28,717,338 $28,717,338 $0 1.9 $0 ### $14,000 $279,994 $442,711
Feb-87 $0 $29,875,260 $29,875,260 $0 1.9 $0 ### $14,000 $291,284 $455,993
Feb-88 $0 $31,083,875 $31,083,875 $0 1.9 $0 ### $14,000 $303,068 $469,672
Feb-89 $0 $32,345,587 $32,345,587 $0 1.9 $0 ### $14,000 $315,369 $483,763
Feb-90 $0 $33,662,918 $33,662,918 $0 1.9 $0 ### $14,000 $328,213 $498,275
Feb-91 $0 $35,038,519 $35,038,519 $0 1.9 $0 ### $14,000 $341,626 $513,224
Feb-92 $0 $36,475,173 $36,475,173 $0 1.9 $0 ### $14,000 $355,633 $528,620
Feb-93 $0 $37,975,806 $37,975,806 $0 1.9 $0 ### $14,000 $370,264 $544,479
Feb-94 $0 $39,543,490 $39,543,490 $0 1.9 $0 ### $14,000 $385,549 $560,813
Feb-95 $0 $41,181,455 $41,181,455 $0 1.9 $0 ### $14,000 $401,519 $577,638
Feb-96 $0 $42,893,092 $42,893,092 $0 1.9 $0 ### $14,000 $418,208 $594,967
Feb-97 $0 $44,681,969 $44,681,969 $0 1.9 $0 ### $14,000 $435,649 $612,816
Feb-98 $0 $46,551,832 $46,551,832 $0 1.9 $0 ### $14,000 $453,880 $631,200
Feb-99 $0 $48,506,620 $48,506,620 $0 1.9 $0 ### $14,000 $472,940 $650,136
Feb-00 $0 $50,550,474 $50,550,474 $0 1.9 $0 ### $14,000 $492,867 $669,641
Feb-01 $0 $52,687,747 $52,687,747 $0 1.9 $0 ### $14,000 $513,706 $689,730
Feb-02 $0 $54,923,015 $54,923,015 $0 1.9 $0 ### $14,000 $535,499 $710,422
Feb-03 $0 $57,261,090 $57,261,090 $0 1.9 $0 ### $14,000 $558,296 $731,734
Feb-04 $0 $59,707,031 $59,707,031 $0 1.9 $0 ### $14,000 $582,144 $753,686
Feb-05 $0 $62,266,158 $62,266,158 $0 1.9 $0 ### $14,000 $607,095 $776,297
Feb-06 $0 $64,944,067 $64,944,067 $0 1.9 $0 ### $14,000 $633,205 $799,586
Feb-07 $0 $67,746,641 $67,746,641 $0 1.9 $0 ### $14,000 $660,530 $823,573
Feb-08 $0 $70,680,069 $70,680,069 $0 1.9 $0 ### $14,000 $689,131 $848,281
Feb-09 $0 $73,750,862 $73,750,862 $0 1.9 $0 ### $14,000 $719,071 $873,729
Feb-10 $0 $76,965,868 $76,965,868 $0 1.9 $0 ### $14,000 $750,417 $899,941
Feb-11 $0 $80,332,292 $80,332,292 $0 1.9 $0 ### $14,000 $783,240 $926,939
Feb-12 $0 $83,857,712 $83,857,712 $0 1.9 $0 ### $14,000 $817,613 $954,747
Feb-13 $0 $87,550,103 $87,550,103 $0 1.9 $0 ### $14,000 $853,614 $983,390
Feb-14 $0 $91,417,856 $91,417,856 $0 1.9 $0 ### $14,000 $891,324 ###
Feb-15 $0 $95,469,802 $95,469,802 $0 1.9 $0 ### $14,000 $930,831 ###
Feb-16 $0 $99,715,230 $99,715,230 $0 1.9 $0 ### $14,000 $972,223 ###
Feb-17 $0 ### ### $0 1.9 $0 ### $14,000 ### ###

No guarantees, implied or otherwise are provided. This tool is provided for informal planning purposes only. Use at your own risk.
Feb-18 $0 ### ### $0 1.9 $0 ### $14,000 ### ###
Feb-19 $0 ### ### $0 1.9 $0 ### $14,000 ### ###
Feb-20 $0 ### ### $0 1.9 $0 ### $14,000 ### ###
Feb-21 $0 ### ### $0 1.9 $0 ### $14,000 ### ###
Feb-22 $0 ### ### $0 1.9 $0 ### $14,000 ### ###

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)
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 or older 1.9