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planning-case-study-swr-series-part-45/
 Year1 2023 Account
Spending Target $48,000 Taxable1 Taxable2
growth (nom.) 2.00% Value $600,000 $0
Step-Up Basis? 1 (1=yes, 0=no) Basis $300,000 $0
Returns 5.00% 5.00%
Spouse1 Spouse2 CapG 3.00% 3.00%
Age in Year1 47 39 Dividends 2.00% 2.00%
Final age 85 90 Interest 0.00% 0.00%
Final period 39 52 Tax-free Int 0.00% 0.00%
Bequest Year 2075 (beginning of the year) S.1256 0.00% 0.00%
Bequest Period 53 Returns($) $30,000 $0
Heir Filing Status Married fut $
Heir Ord. Inc. $50,000 $140,016
Heir Div. Inc. $0 $0

Cash Flow Convg $2,903 143.65

RMD OK?
401k OK
IRA OK

Params

# Year Filing Age1 Age2 RMD Val_0 CB_0 Income

1 2023 Married 47 39 0.0% $600,000 $300,000 $12,000

2 2024 Married 48 40 0.0% $582,000 $282,524 $11,640
3 2025 Married 49 41 0.0% $562,140 $264,935 $11,243
4 2026 Married 50 42 0.0% $540,308 $247,229 $10,806
5 2027 Married 51 43 0.0% $516,385 $229,401 $10,328
6 2028 Married 52 44 0.0% $490,248 $211,446 $9,805
7 2029 Married 53 45 0.0% $461,764 $193,360 $9,235
8 2030 Married 54 46 0.0% $430,797 $175,139 $8,616
9 2031 Married 55 47 0.0% $397,200 $156,777 $7,944
10 2032 Married 56 48 0.0% $360,820 $138,269 $7,216
11 2033 Married 57 49 0.0% $321,496 $119,612 $6,430
12 2034 Married 58 50 0.0% $279,060 $100,799 $5,581
13 2035 Married 59 51 0.0% $233,331 $81,827 $4,667
14 2036 Married 60 52 0.0% $184,121 $62,689 $3,682
15 2037 Married 61 53 0.0% $169,483 $56,024 $3,390
16 2038 Married 62 54 0.0% $154,113 $49,459 $3,082
17 2039 Married 63 55 0.0% $137,974 $42,990 $2,759
18 2040 Married 64 56 0.0% $121,028 $36,612 $2,421
19 2041 Married 65 57 0.0% $103,235 $30,320 $2,065
20 2042 Married 66 58 0.0% $84,552 $24,109 $1,691
21 2043 Married 67 59 0.0% $64,935 $17,976 $1,299
22 2044 Married 68 60 0.0% $44,337 $11,917 $887
23 2045 Married 69 61 0.0% $22,709 $5,926 $454
24 2046 Married 70 62 0.0% $0 $0 $0
25 2047 Married 71 63 0.0% $0 $0 $0
26 2048 Married 72 64 3.6% $0 $0 $0
27 2049 Married 73 65 3.8% $0 $0 $0
28 2050 Married 74 66 3.9% $0 $0 $0
29 2051 Married 75 67 4.1% $0 $0 $0
30 2052 Married 76 68 4.2% $0 $0 $0
31 2053 Married 77 69 4.4% $0 $0 $0
32 2054 Married 78 70 4.5% $0 $0 $0
33 2055 Married 79 71 4.7% $0 $0 $0
34 2056 Married 80 72 5.0% $0 $0 $0
35 2057 Married 81 73 5.2% $0 $0 $0
36 2058 Married 82 74 5.4% $0 $0 $0
37 2059 Married 83 75 5.6% $0 $0 $0
38 2060 Married 84 76 6.0% $0 $0 $0
39 2061 Married 85 77 6.3% $0 $0 $0
40 2062 Single 78 7.9% $0 $0 $0
41 2063 Single 79 8.4% $0 $0 $0
42 2064 Single 80 8.9% $0 $0 $0
43 2065 Single 81 9.5% $0 $0 $0
44 2066 Single 82 10.1% $0 $0 $0
45 2067 Single 83 10.8% $0 $0 $0
46 2068 Single 84 11.5% $0 $0 $0
47 2069 Single 85 12.3% $0 $0 $0
48 2070 Single 86 13.2% $0 $0 $0
49 2071 Single 87 14.1% $0 $0 $0
50 2072 Single 88 15.2% $0 $0 $0
51 2073 Single 89 16.4% $0 $0 $0
52 2074 Single 90 17.5% $0 $0 $0
53 2075 Married 0.0% $0 $0 $0
54 2076 NaN 0.0% $0 $0 $0
55 2077 NaN 0.0% $0 $0 $0
56 2078 NaN 0.0% $0 $0 $0
57 2079 NaN 0.0% $0 $0 $0
58 2080 NaN 0.0% $0 $0 $0
59 2081 NaN 0.0% $0 $0 $0
60 2082 NaN 0.0% $0 $0 $0
61 2083 NaN 0.0% $0 $0 $0
62 2084 NaN 0.0% $0 $0 $0
63 2085 NaN 0.0% $0 $0 $0
64 2086 NaN 0.0% $0 $0 $0
65 2087 NaN 0.0% $0 $0 $0
66 2088 NaN 0.0% $0 $0 $0
 67 2089 NaN 0.0% $0 $0 $0
68 2090 NaN 0.0% $0 $0 $0
69 2091 NaN 0.0% $0 $0 $0
70 2092 NaN 0.0% $0 $0 $0
71 2093 NaN 0.0% $0 $0 $0
72 2094 NaN 0.0% $0 $0 $0
73 2095 NaN 0.0% $0 $0 $0
74 2096 NaN 0.0% $0 $0 $0
75 2097 NaN 0.0% $0 $0 $0
76 2098 NaN 0.0% $0 $0 $0
77 2099 NaN 0.0% $0 $0 $0
78 2100 NaN 0.0% $0 $0 $0
79 2101 NaN 0.0% $0 $0 $0
80 2102 NaN 0.0% $0 $0 $0

Baseline Inc Tax Calc for Heir, without inheritance

53 2075 Married

Inc Tax Calc for Heir, with 10% of inheritance

53 2075 Married

10x tax impact

Fed $50,070
State $9,388
 Nominal Real
401k IRA Roth/HSA Total Txbl1 $0 $0
$450,000 $0 $150,000 $1,200,000 Txbl2 $0 $0
$0 $0 N/A 401k $312,936 $111,750
5.00% 5.00% 5.00% 5.00% IRA $0 $0
3.00% 3.00% 3.00% Roth $829,603 $296,252
2.00% 2.00% 2.00% Total $1,142,538 $408,002
0.00% 0.00% 0.00% Tax $59,458 $21,232
0.00% 0.00% 0.00% Fed $50,070 $17,880
0.00% 0.00% 0.00% State $9,388 $3,352
$22,500 $0 $7,500 $60,000 After-tax $1,083,081 $386,769

Taxable 1

Contrib/ Tax Gain

CapGains PrincipalLiq CapGains Basis Reinvest Val_1
Withdraw Harvest
$18,000 ($48,000) $0 $36,000 $18,524 $17,476 $0 $582,000
$17,460 ($48,960) $0 $37,320 $19,731 $17,589 $0 $562,140
$16,864 ($49,939) $0 $38,696 $20,990 $17,706 $0 $540,308
$16,209 ($50,938) $0 $40,132 $22,304 $17,828 $0 $516,385
$15,492 ($51,957) $0 $41,629 $23,674 $17,955 $0 $490,248
$14,707 ($52,996) $0 $43,191 $25,105 $18,086 $0 $461,764
$13,853 ($54,056) $0 $44,821 $26,599 $18,222 $0 $430,797
$12,924 ($55,137) $0 $46,521 $28,159 $18,362 $0 $397,200
$11,916 ($56,240) $0 $48,296 $29,788 $18,507 $0 $360,820
$10,825 ($57,364) $0 $50,148 $31,491 $18,657 $0 $321,496
$9,645 ($58,512) $0 $52,082 $33,269 $18,813 $0 $279,060
$8,372 ($59,682) $0 $54,101 $35,128 $18,973 $0 $233,331
$7,000 ($60,876) $0 $56,209 $37,071 $19,138 $0 $184,121
$5,524 ($23,845) $0 $20,162 $13,497 $6,665 $0 $169,483
$5,084 ($23,845) $0 $20,455 $13,890 $6,565 $0 $154,113
$4,623 ($23,845) $0 $20,762 $14,293 $6,469 $0 $137,974
$4,139 ($23,845) $0 $21,085 $14,707 $6,378 $0 $121,028
$3,631 ($23,845) $0 $21,424 $15,132 $6,292 $0 $103,235
$3,097 ($23,845) $0 $21,780 $15,570 $6,210 $0 $84,552
$2,537 ($23,845) $0 $22,154 $16,021 $6,133 $0 $64,935
$1,948 ($23,845) $0 $22,546 $16,486 $6,060 $0 $44,337
$1,330 ($23,845) $0 $22,958 $16,967 $5,991 $0 $22,709
$681 ($23,845) $0 $23,390 $17,465 $5,926 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
 Total p.a. % of Cons % of WD
Withdraw $2,621,571 $50,415 105.0% 100.0%
Consume $2,497,559 $48,030 100.0% 95.3%
Tax $124,012 $2,385 5.0% 4.7%
Fed $98,826 $1,901 4.0% 3.8%
State $25,186 $484 1.0% 1.0%

Heirs $408,002
After-tax $386,769
Tax $21,232
Fed $17,880
State $3,352

Combined % of Cons % of WD
Total bef. Tax $3,029,573 105.0% 100.0%
After-tax $2,884,328 100.0% 95.2%
Tax $145,245 5.0% 4.8%
Fed $116,706 4.0% 3.9%
State $28,539 1.0% 0.9%

Taxable 2

Contrib/ Tax Gain

CB_1 Val_0 CB_0 Income CapGains
Withdraw Harvest
$282,524 $0 $0 $0 $0 $0 $0
$264,935 $0 $0 $0 $0 $0 $0
$247,229 $0 $0 $0 $0 $0 $0
$229,401 $0 $0 $0 $0 $0 $0
$211,446 $0 $0 $0 $0 $0 $0
$193,360 $0 $0 $0 $0 $0 $0
$175,139 $0 $0 $0 $0 $0 $0
$156,777 $0 $0 $0 $0 $0 $0
$138,269 $0 $0 $0 $0 $0 $0
$119,612 $0 $0 $0 $0 $0 $0
$100,799 $0 $0 $0 $0 $0 $0
$81,827 $0 $0 $0 $0 $0 $0
$62,689 $0 $0 $0 $0 $0 $0
$56,024 $0 $0 $0 $0 $0 $0
$49,459 $0 $0 $0 $0 $0 $0
$42,990 $0 $0 $0 $0 $0 $0
$36,612 $0 $0 $0 $0 $0 $0
$30,320 $0 $0 $0 $0 $0 $0
$24,109 $0 $0 $0 $0 $0 $0
$17,976 $0 $0 $0 $0 $0 $0
$11,917 $0 $0 $0 $0 $0 $0
$5,926 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
 Tax Arb Indicators
$160,000

$140,000

$120,000

$100,000

$80,000

$60,000

$40,000

$20,000

$0
2020 2025 2030 2035 2040 2045 2050 2055 2060 2065 2070

Fed Std Ded Fed 10% br Ord

Fed 12% br Ord 0% Cap Gains bracket

axable 2

PrincipalLiq CapGains Basis Reinvest Val_1 CB_1 Val_0 CB_0

$0 $0 $0 $0 $0 $0 $450,000 $0
$0 $0 $0 $0 $0 $0 $472,500 $0
$0 $0 $0 $0 $0 $0 $496,125 $0
$0 $0 $0 $0 $0 $0 $520,931 $0
$0 $0 $0 $0 $0 $0 $546,978 $0
$0 $0 $0 $0 $0 $0 $574,327 $0
$0 $0 $0 $0 $0 $0 $603,043 $0
$0 $0 $0 $0 $0 $0 $633,195 $0
$0 $0 $0 $0 $0 $0 $664,855 $0
$0 $0 $0 $0 $0 $0 $698,098 $0
$0 $0 $0 $0 $0 $0 $733,003 $0
$0 $0 $0 $0 $0 $0 $769,653 $0
$0 $0 $0 $0 $0 $0 $808,135 $0
$0 $0 $0 $0 $0 $0 $848,542 $0
$0 $0 $0 $0 $0 $0 $850,981 $0
$0 $0 $0 $0 $0 $0 $852,199 $0
$0 $0 $0 $0 $0 $0 $852,108 $0
$0 $0 $0 $0 $0 $0 $850,616 $0
$0 $0 $0 $0 $0 $0 $847,296 $0
$0 $0 $0 $0 $0 $0 $842,348 $0
$0 $0 $0 $0 $0 $0 $835,662 $0
$0 $0 $0 $0 $0 $0 $827,121 $0
$0 $0 $0 $0 $0 $0 $816,225 $0
$0 $0 $0 $0 $0 $0 $803,192 $0
$0 $0 $0 $0 $0 $0 $793,076 $0
$0 $0 $0 $0 $0 $0 $781,448 $0
$0 $0 $0 $0 $0 $0 $792,000 $0
$0 $0 $0 $0 $0 $0 $801,713 $0
$0 $0 $0 $0 $0 $0 $810,359 $0
$0 $0 $0 $0 $0 $0 $817,936 $0
$0 $0 $0 $0 $0 $0 $824,321 $0
$0 $0 $0 $0 $0 $0 $829,540 $0
$0 $0 $0 $0 $0 $0 $833,311 $0
$0 $0 $0 $0 $0 $0 $835,483 $0
$0 $0 $0 $0 $0 $0 $835,897 $0
$0 $0 $0 $0 $0 $0 $834,604 $0
$0 $0 $0 $0 $0 $0 $831,220 $0
$0 $0 $0 $0 $0 $0 $825,820 $0
$0 $0 $0 $0 $0 $0 $817,955 $0
$0 $0 $0 $0 $0 $0 $807,730 $0
$0 $0 $0 $0 $0 $0 $784,011 $0
$0 $0 $0 $0 $0 $0 $757,329 $0
$0 $0 $0 $0 $0 $0 $727,576 $0
$0 $0 $0 $0 $0 $0 $694,662 $0
$0 $0 $0 $0 $0 $0 $659,227 $0
$0 $0 $0 $0 $0 $0 $621,304 $0
$0 $0 $0 $0 $0 $0 $580,955 $0
$0 $0 $0 $0 $0 $0 $538,280 $0
$0 $0 $0 $0 $0 $0 $494,368 $0
$0 $0 $0 $0 $0 $0 $449,457 $0
$0 $0 $0 $0 $0 $0 $403,830 $0
$0 $0 $0 $0 $0 $0 $357,820 $0
$0 $0 $0 $0 $0 $0 $312,936 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
Indicators Marginal Tax Rate (Fed+State)
25%

20%

15%

10%

5%

2045 2050 2055 2060 2065 2070 2075

0%
2020 2025 2030 2035 2040 2045 2050 2055 2060 2065 2070 2075
Fed 10% br Ord
0% Cap Gains bracket Ord Inc Combined CapGains Combined

401k

Contrib/
Gains RMD WD/gain WD/basis Val_1 CB_1 Val_0 CB_0
Withdraw
$22,500 $0 $0 $0 $0 $472,500 $0 $0 $0
$23,625 $0 $0 $0 $0 $496,125 $0 $0 $0
$24,806 $0 $0 $0 $0 $520,931 $0 $0 $0
$26,047 $0 $0 $0 $0 $546,978 $0 $0 $0
$27,349 $0 $0 $0 $0 $574,327 $0 $0 $0
$28,716 $0 $0 $0 $0 $603,043 $0 $0 $0
$30,152 $0 $0 $0 $0 $633,195 $0 $0 $0
$31,660 $0 $0 $0 $0 $664,855 $0 $0 $0
$33,243 $0 $0 $0 $0 $698,098 $0 $0 $0
$34,905 $0 $0 $0 $0 $733,003 $0 $0 $0
$36,650 $0 $0 $0 $0 $769,653 $0 $0 $0
$38,483 $0 $0 $0 $0 $808,135 $0 $0 $0
$40,407 $0 $0 $0 $0 $848,542 $0 $0 $0
$42,427 ($39,988) $0 $39,988 $0 $850,981 $0 $0 $0
$42,549 ($41,331) $0 $41,331 $0 $852,199 $0 $0 $0
$42,610 ($42,701) $0 $42,701 $0 $852,108 $0 $0 $0
$42,605 ($44,097) $0 $44,097 $0 $850,616 $0 $0 $0
$42,531 ($45,850) $0 $45,850 $0 $847,296 $0 $0 $0
$42,365 ($47,312) $0 $47,312 $0 $842,348 $0 $0 $0
$42,117 ($48,804) $0 $48,804 $0 $835,662 $0 $0 $0
$41,783 ($50,324) $0 $50,324 $0 $827,121 $0 $0 $0
$41,356 ($52,252) $0 $52,252 $0 $816,225 $0 $0 $0
$40,811 ($53,844) $0 $53,844 $0 $803,192 $0 $0 $0
$40,160 ($50,276) $0 $50,276 $0 $793,076 $0 $0 $0
$39,654 ($51,282) $0 $51,282 $0 $781,448 $0 $0 $0
$39,072 ($28,520) ($28,520) $28,520 $0 $792,000 $0 $0 $0
$39,600 ($29,887) ($29,887) $29,887 $0 $801,713 $0 $0 $0
$40,086 ($31,440) ($31,440) $31,440 $0 $810,359 $0 $0 $0
$40,518 ($32,941) ($32,941) $32,941 $0 $817,936 $0 $0 $0
$40,897 ($34,512) ($34,512) $34,512 $0 $824,321 $0 $0 $0
$41,216 ($35,997) ($35,997) $35,997 $0 $829,540 $0 $0 $0
$41,477 ($37,706) ($37,706) $37,706 $0 $833,311 $0 $0 $0
$41,666 ($39,493) ($39,493) $39,493 $0 $835,483 $0 $0 $0
$41,774 ($41,361) ($41,361) $41,361 $0 $835,897 $0 $0 $0
$41,795 ($43,087) ($43,087) $43,087 $0 $834,604 $0 $0 $0
$41,730 ($45,114) ($45,114) $45,114 $0 $831,220 $0 $0 $0
$41,561 ($46,962) ($46,962) $46,962 $0 $825,820 $0 $0 $0
$41,291 ($49,156) ($49,156) $49,156 $0 $817,955 $0 $0 $0
$40,898 ($51,122) ($51,122) $51,122 $0 $807,730 $0 $0 $0
$40,387 ($64,106) ($64,106) $64,106 $0 $784,011 $0 $0 $0
$39,201 ($65,883) ($65,883) $65,883 $0 $757,329 $0 $0 $0
$37,866 ($67,619) ($67,619) $67,619 $0 $727,576 $0 $0 $0
$36,379 ($69,293) ($69,293) $69,293 $0 $694,662 $0 $0 $0
$34,733 ($70,168) ($70,168) $70,168 $0 $659,227 $0 $0 $0
$32,961 ($70,885) ($70,885) $70,885 $0 $621,304 $0 $0 $0
$31,065 ($71,414) ($71,414) $71,414 $0 $580,955 $0 $0 $0
$29,048 ($71,723) ($71,723) $71,723 $0 $538,280 $0 $0 $0
$26,914 ($70,826) ($70,826) $70,826 $0 $494,368 $0 $0 $0
$24,718 ($69,629) ($69,629) $69,629 $0 $449,457 $0 $0 $0
$22,473 ($68,100) ($68,100) $68,100 $0 $403,830 $0 $0 $0
$20,192 ($66,202) ($66,202) $66,202 $0 $357,820 $0 $0 $0
$17,891 ($62,775) ($62,775) $62,775 $0 $312,936 $0 $0 $0
$0 $0 $0 $0 $0 $312,936 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0

RMD Check $0
2070 2075

IRA Roth

Contrib/
Gains RMD WD/gain WD/basis Val_1 CB_1 Val_0 Gains
Withdraw
$0 $0 $0 $0 $0 $0 $0 $150,000 $7,500
$0 $0 $0 $0 $0 $0 $0 $157,500 $7,875
$0 $0 $0 $0 $0 $0 $0 $165,375 $8,269
$0 $0 $0 $0 $0 $0 $0 $173,644 $8,682
$0 $0 $0 $0 $0 $0 $0 $182,326 $9,116
$0 $0 $0 $0 $0 $0 $0 $191,442 $9,572
$0 $0 $0 $0 $0 $0 $0 $201,014 $10,051
$0 $0 $0 $0 $0 $0 $0 $211,065 $10,553
$0 $0 $0 $0 $0 $0 $0 $221,618 $11,081
$0 $0 $0 $0 $0 $0 $0 $232,699 $11,635
$0 $0 $0 $0 $0 $0 $0 $244,334 $12,217
$0 $0 $0 $0 $0 $0 $0 $256,551 $12,828
$0 $0 $0 $0 $0 $0 $0 $269,378 $13,469
$0 $0 $0 $0 $0 $0 $0 $282,847 $14,142
$0 $0 $0 $0 $0 $0 $0 $296,990 $14,849
$0 $0 $0 $0 $0 $0 $0 $311,839 $15,592
$0 $0 $0 $0 $0 $0 $0 $327,431 $16,372
$0 $0 $0 $0 $0 $0 $0 $343,803 $17,190
$0 $0 $0 $0 $0 $0 $0 $360,993 $18,050
$0 $0 $0 $0 $0 $0 $0 $379,043 $18,952
$0 $0 $0 $0 $0 $0 $0 $397,995 $19,900
$0 $0 $0 $0 $0 $0 $0 $417,894 $20,895
$0 $0 $0 $0 $0 $0 $0 $438,789 $21,939
$0 $0 $0 $0 $0 $0 $0 $460,729 $23,036
$0 $0 $0 $0 $0 $0 $0 $483,765 $24,188
$0 $0 $0 $0 $0 $0 $0 $507,953 $25,398
$0 $0 $0 $0 $0 $0 $0 $515,009 $25,750
$0 $0 $0 $0 $0 $0 $0 $522,754 $26,138
$0 $0 $0 $0 $0 $0 $0 $531,262 $26,563
$0 $0 $0 $0 $0 $0 $0 $540,610 $27,031
$0 $0 $0 $0 $0 $0 $0 $550,882 $27,544
$0 $0 $0 $0 $0 $0 $0 $562,019 $28,101
$0 $0 $0 $0 $0 $0 $0 $574,252 $28,713
$0 $0 $0 $0 $0 $0 $0 $587,505 $29,375
$0 $0 $0 $0 $0 $0 $0 $601,856 $30,093
$0 $0 $0 $0 $0 $0 $0 $617,386 $30,869
$0 $0 $0 $0 $0 $0 $0 $634,178 $31,709
$0 $0 $0 $0 $0 $0 $0 $652,319 $32,616
$0 $0 $0 $0 $0 $0 $0 $671,897 $33,595
$0 $0 $0 $0 $0 $0 $0 $692,705 $34,635
$0 $0 $0 $0 $0 $0 $0 $705,270 $35,264
$0 $0 $0 $0 $0 $0 $0 $718,388 $35,919
$0 $0 $0 $0 $0 $0 $0 $732,029 $36,601
$0 $0 $0 $0 $0 $0 $0 $746,144 $37,307
$0 $0 $0 $0 $0 $0 $0 $760,137 $38,007
$0 $0 $0 $0 $0 $0 $0 $773,855 $38,693
$0 $0 $0 $0 $0 $0 $0 $787,117 $39,356
$0 $0 $0 $0 $0 $0 $0 $799,706 $39,985
$0 $0 $0 $0 $0 $0 $0 $810,665 $40,533
$0 $0 $0 $0 $0 $0 $0 $819,658 $40,983
$0 $0 $0 $0 $0 $0 $0 $826,283 $41,314
$0 $0 $0 $0 $0 $0 $0 $830,048 $41,502
$0 $0 $0 $0 $0 $0 $0 $829,603 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0

RMD Check 0
Roth Supplemental Cash Flow

Contrib/ Ord Div/LT Inflation Infl Disc.

Val_1 Flow
Withdraw Income gains Mult Factor
$0 $157,500 $0 $0 $0 1.00 1.00
$0 $165,375 $0 $0 $0 1.02 0.98
$0 $173,644 $0 $0 $0 1.04 0.96
$0 $182,326 $0 $0 $0 1.06 0.94
$0 $191,442 $0 $0 $0 1.08 0.92
$0 $201,014 $0 $0 $0 1.10 0.91
$0 $211,065 $0 $0 $0 1.13 0.89
$0 $221,618 $0 $0 $0 1.15 0.87
$0 $232,699 $0 $0 $0 1.17 0.85
$0 $244,334 $0 $0 $0 1.20 0.84
$0 $256,551 $0 $0 $0 1.22 0.82
$0 $269,378 $0 $0 $0 1.24 0.80
$0 $282,847 $0 $0 $0 1.27 0.79
$0 $296,990 $0 $0 $0 1.29 0.77
$0 $311,839 $0 $0 $0 1.32 0.76
$0 $327,431 $0 $0 $0 1.35 0.74
$0 $343,803 $0 $0 $0 1.37 0.73
$0 $360,993 $0 $0 $0 1.40 0.71
$0 $379,043 $0 $0 $0 1.43 0.70
$0 $397,995 $0 $0 $0 1.46 0.69
$0 $417,894 $0 $0 $0 1.49 0.67
 $0 $438,789 $0 $0 $0 1.52 0.66
$0 $460,729 $0 $0 $0 1.55 0.65
$0 $483,765 $31,538 $26,807 $0 1.58 0.63
$0 $507,953 $32,169 $27,343 $0 1.61 0.62
($18,342) $515,009 $32,812 $27,890 $0 1.64 0.61
($18,005) $522,754 $33,468 $28,448 $0 1.67 0.60
($17,630) $531,262 $34,138 $29,017 $0 1.71 0.59
($17,215) $540,610 $34,820 $29,597 $0 1.74 0.57
($16,758) $550,882 $35,517 $30,189 $0 1.78 0.56
($16,408) $562,019 $36,227 $30,793 $0 1.81 0.55
($15,868) $574,252 $36,952 $31,409 $0 1.85 0.54
($15,459) $587,505 $37,691 $32,037 $0 1.88 0.53
($15,024) $601,856 $38,445 $32,678 $0 1.92 0.52
($14,563) $617,386 $39,214 $33,331 $0 1.96 0.51
($14,077) $634,178 $39,998 $33,998 $0 2.00 0.50
($13,568) $652,319 $40,798 $34,678 $0 2.04 0.49
($13,038) $671,897 $41,614 $35,372 $0 2.08 0.48
($12,787) $692,705 $42,446 $36,079 $0 2.12 0.47
($22,070) $705,270 $32,471 $27,600 $0 2.16 0.46
($22,145) $718,388 $33,121 $28,153 $0 2.21 0.45
($22,279) $732,029 $33,783 $28,716 $0 2.25 0.44
($22,487) $746,144 $34,459 $29,290 $0 2.30 0.44
($23,314) $760,137 $35,148 $29,876 $0 2.34 0.43
($24,288) $773,855 $35,851 $30,473 $0 2.39 0.42
($25,431) $787,117 $36,568 $31,083 $0 2.44 0.41
($26,767) $799,706 $37,299 $31,704 $0 2.49 0.40
($29,027) $810,665 $38,045 $32,338 $0 2.54 0.39
($31,540) $819,658 $38,806 $32,985 $0 2.59 0.39
($34,358) $826,283 $39,582 $33,645 $0 2.64 0.38
($37,549) $830,048 $40,374 $34,318 $0 2.69 0.37
($41,948) $829,603 $41,181 $35,004 $0 2.75 0.36
$0 $829,603 $0 $0 $0 2.80 0.36
$0 $0 $0 $0 $0 2.86 0.35
$0 $0 $0 $0 $0 2.91 0.34
$0 $0 $0 $0 $0 2.97 0.34
$0 $0 $0 $0 $0 3.03 0.33
$0 $0 $0 $0 $0 3.09 0.32
$0 $0 $0 $0 $0 3.15 0.32
$0 $0 $0 $0 $0 3.22 0.31
$0 $0 $0 $0 $0 3.28 0.30
$0 $0 $0 $0 $0 3.35 0.30
$0 $0 $0 $0 $0 3.41 0.29
$0 $0 $0 $0 $0 3.48 0.29
$0 $0 $0 $0 $0 3.55 0.28
$0 $0 $0 $0 $0 3.62 0.28
$0 $0 $0 $0 $0 3.69 0.27
$0 $0 $0 $0 $0 3.77 0.27
$0 $0 $0 $0 $0 3.84 0.26
$0 $0 $0 $0 $0 3.92 0.26
$0 $0 $0 $0 $0 4.00 0.25
$0 $0 $0 $0 $0 4.08 0.25
$0 $0 $0 $0 $0 4.16 0.24
$0 $0 $0 $0 $0 4.24 0.24
$0 $0 $0 $0 $0 4.33 0.23
$0 $0 $0 $0 $0 4.42 0.23
$0 $0 $0 $0 $0 4.50 0.22
$0 $0 $0 $0 $0 4.59 0.22
$0 $0 $0 $0 $0 4.69 0.21
$0 $0 $0 $0 $0 4.78 0.21

$140,016 $0 2.80

$140,016 $0 2.80
 Account M
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
23 25 27 29 31 33 35 37 39 41 43 45 4
20 20 20 20 20 20 20 20 20 20 20 20 20

Taxable1 Taxable2

Account Values (Nominal) Account

Taxable1 Taxable2 401k IRA Roth/HSA Total Taxable1 Taxable2

$600,000 $0 $450,000 $0 $150,000 $1,200,000 $600,000 $0

$582,000 $0 $472,500 $0 $157,500 $1,212,000 $570,588 $0
$562,140 $0 $496,125 $0 $165,375 $1,223,640 $540,311 $0
$540,308 $0 $520,931 $0 $173,644 $1,234,883 $509,144 $0
$516,385 $0 $546,978 $0 $182,326 $1,245,689 $477,060 $0
$490,248 $0 $574,327 $0 $191,442 $1,256,017 $444,032 $0
$461,764 $0 $603,043 $0 $201,014 $1,265,822 $410,033 $0
$430,797 $0 $633,195 $0 $211,065 $1,275,057 $375,034 $0
$397,200 $0 $664,855 $0 $221,618 $1,283,673 $339,006 $0
$360,820 $0 $698,098 $0 $232,699 $1,291,617 $301,918 $0
$321,496 $0 $733,003 $0 $244,334 $1,298,833 $263,739 $0
$279,060 $0 $769,653 $0 $256,551 $1,305,263 $224,437 $0
$233,331 $0 $808,135 $0 $269,378 $1,310,844 $183,980 $0
$184,121 $0 $848,542 $0 $282,847 $1,315,511 $142,332 $0
$169,483 $0 $850,981 $0 $296,990 $1,317,454 $128,447 $0
$154,113 $0 $852,199 $0 $311,839 $1,318,150 $114,508 $0
$137,974 $0 $852,108 $0 $327,431 $1,317,512 $100,506 $0
$121,028 $0 $850,616 $0 $343,803 $1,315,446 $86,433 $0
$103,235 $0 $847,296 $0 $360,993 $1,311,523 $72,281 $0
$84,552 $0 $842,348 $0 $379,043 $1,305,943 $58,039 $0
$64,935 $0 $835,662 $0 $397,995 $1,298,592 $43,699 $0
$44,337 $0 $827,121 $0 $417,894 $1,289,352 $29,252 $0
$22,709 $0 $816,225 $0 $438,789 $1,277,723 $14,689 $0
$0 $0 $803,192 $0 $460,729 $1,263,921 $0 $0
$0 $0 $793,076 $0 $483,765 $1,276,841 $0 $0
$0 $0 $781,448 $0 $507,953 $1,289,401 $0 $0
$0 $0 $792,000 $0 $515,009 $1,307,009 $0 $0
$0 $0 $801,713 $0 $522,754 $1,324,468 $0 $0
$0 $0 $810,359 $0 $531,262 $1,341,621 $0 $0
$0 $0 $817,936 $0 $540,610 $1,358,546 $0 $0
$0 $0 $824,321 $0 $550,882 $1,375,203 $0 $0
$0 $0 $829,540 $0 $562,019 $1,391,559 $0 $0
$0 $0 $833,311 $0 $574,252 $1,407,562 $0 $0
$0 $0 $835,483 $0 $587,505 $1,422,988 $0 $0
$0 $0 $835,897 $0 $601,856 $1,437,753 $0 $0
$0 $0 $834,604 $0 $617,386 $1,451,990 $0 $0
$0 $0 $831,220 $0 $634,178 $1,465,399 $0 $0
$0 $0 $825,820 $0 $652,319 $1,478,139 $0 $0
$0 $0 $817,955 $0 $671,897 $1,489,852 $0 $0
$0 $0 $807,730 $0 $692,705 $1,500,435 $0 $0
$0 $0 $784,011 $0 $705,270 $1,489,281 $0 $0
$0 $0 $757,329 $0 $718,388 $1,475,717 $0 $0
$0 $0 $727,576 $0 $732,029 $1,459,605 $0 $0
$0 $0 $694,662 $0 $746,144 $1,440,806 $0 $0
$0 $0 $659,227 $0 $760,137 $1,419,364 $0 $0
$0 $0 $621,304 $0 $773,855 $1,395,159 $0 $0
$0 $0 $580,955 $0 $787,117 $1,368,072 $0 $0
$0 $0 $538,280 $0 $799,706 $1,337,986 $0 $0
$0 $0 $494,368 $0 $810,665 $1,305,032 $0 $0
$0 $0 $449,457 $0 $819,658 $1,269,115 $0 $0
$0 $0 $403,830 $0 $826,283 $1,230,113 $0 $0
$0 $0 $357,820 $0 $830,048 $1,187,868 $0 $0
$0 $0 $312,936 $0 $829,603 $1,142,538 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
 Account Mix over time Cash Flow Target over/under
$4,000

$3,000

$2,000

$1,000

$0

($1,000)

($2,000)

($3,000)
31 033 035 037 039 041 043 045 047 049 051 053 055 057 059 061 063 065 067 069 071 073 075 23 27 31 35 39 43 47 51 55 59 63 67 71 75 79 83 87 91
2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 2

Taxable1 Taxable2 401k IRA Roth/HSA over/under

Account Values (Real) Account Values (Share)

401k IRA Roth/HSA Total Taxable1 Taxable2 401k IRA

$450,000 $0 $150,000 $1,200,000 2023 50% 0% 38% 0%

$463,235 $0 $154,412 $1,188,235 2024 48% 0% 39% 0%
$476,860 $0 $158,953 $1,176,125 2025 46% 0% 41% 0%
$490,885 $0 $163,628 $1,163,658 2026 44% 0% 42% 0%
$505,323 $0 $168,441 $1,150,824 2027 41% 0% 44% 0%
$520,185 $0 $173,395 $1,137,613 2028 39% 0% 46% 0%
$535,485 $0 $178,495 $1,124,013 2029 36% 0% 48% 0%
$551,235 $0 $183,745 $1,110,014 2030 34% 0% 50% 0%
$567,447 $0 $189,149 $1,095,602 2031 31% 0% 52% 0%
$584,137 $0 $194,712 $1,080,767 2032 28% 0% 54% 0%
$601,317 $0 $200,439 $1,065,496 2033 25% 0% 56% 0%
$619,003 $0 $206,334 $1,049,775 2034 21% 0% 59% 0%
$637,209 $0 $212,403 $1,033,592 2035 18% 0% 62% 0%
$655,951 $0 $218,650 $1,016,933 2036 14% 0% 65% 0%
$644,937 $0 $225,081 $998,465 2037 13% 0% 65% 0%
$633,196 $0 $231,701 $979,405 2038 12% 0% 65% 0%
$620,714 $0 $238,516 $959,736 2039 10% 0% 65% 0%
$607,478 $0 $245,531 $939,442 2040 9% 0% 65% 0%
$593,242 $0 $252,753 $918,275 2041 8% 0% 65% 0%
$578,214 $0 $260,186 $896,439 2042 6% 0% 65% 0%
$562,377 $0 $267,839 $873,915 2043 5% 0% 64% 0%
$545,714 $0 $275,717 $850,683 2044 3% 0% 64% 0%
$527,966 $0 $283,826 $826,481 2045 2% 0% 64% 0%
$509,349 $0 $292,174 $801,523 2046 0% 0% 64% 0%
$493,072 $0 $300,767 $793,839 2047 0% 0% 62% 0%
$476,317 $0 $309,613 $785,930 2048 0% 0% 61% 0%
$473,283 $0 $307,759 $781,042 2049 0% 0% 61% 0%
$469,693 $0 $306,262 $775,955 2050 0% 0% 61% 0%
$465,450 $0 $305,143 $770,593 2051 0% 0% 60% 0%
$460,590 $0 $304,424 $765,014 2052 0% 0% 60% 0%
$455,083 $0 $304,126 $759,210 2053 0% 0% 60% 0%
$448,985 $0 $304,190 $753,176 2054 0% 0% 60% 0%
$442,182 $0 $304,717 $746,899 2055 0% 0% 59% 0%
$434,642 $0 $305,637 $740,279 2056 0% 0% 59% 0%
$426,331 $0 $306,964 $733,294 2057 0% 0% 58% 0%
$417,325 $0 $308,710 $726,035 2058 0% 0% 57% 0%
$407,483 $0 $310,889 $718,372 2059 0% 0% 57% 0%
$396,898 $0 $313,512 $710,410 2060 0% 0% 56% 0%
$385,410 $0 $316,589 $701,999 2061 0% 0% 55% 0%
$373,130 $0 $319,994 $693,123 2062 0% 0% 54% 0%
$355,071 $0 $319,410 $674,481 2063 0% 0% 53% 0%
$336,262 $0 $318,972 $655,233 2064 0% 0% 51% 0%
$316,717 $0 $318,655 $635,372 2065 0% 0% 50% 0%
$296,460 $0 $318,431 $614,891 2066 0% 0% 48% 0%
$275,821 $0 $318,042 $593,863 2067 0% 0% 46% 0%
$254,857 $0 $317,433 $572,290 2068 0% 0% 45% 0%
$233,633 $0 $316,542 $550,175 2069 0% 0% 42% 0%
$212,227 $0 $315,299 $527,525 2070 0% 0% 40% 0%
$191,092 $0 $313,352 $504,444 2071 0% 0% 38% 0%
$170,325 $0 $310,616 $480,942 2072 0% 0% 35% 0%
$150,034 $0 $306,987 $457,021 2073 0% 0% 33% 0%
$130,333 $0 $302,339 $432,673 2074 0% 0% 30% 0%
$111,750 $0 $296,252 $408,002 2075 0% 0% 27% 0%
$0 $0 $0 $0 2076 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2077 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2078 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2079 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2080 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2081 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2082 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2083 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2084 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2085 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2086 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2087 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2088 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2089 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2090 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2091 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2092 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2093 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2094 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2095 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2096 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2097 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2098 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2099 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2100 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2101 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2102 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
er/under

71 75 79 83 87 91 95 99
20 20 20 20 20 20 20 20

) Cash Flow

Before
Roth/HSA Fed Tax State Tax Net Real Net % of NW
Tax
13% 2023 $48,000 $0 $0 $48,000 $48,000 4.00%
13% 2024 $48,960 $0 $0 $48,960 $48,000 4.04%
14% 2025 $49,939 $0 $0 $49,939 $48,000 4.08%
14% 2026 $50,938 $0 $0 $50,938 $48,000 4.12%
15% 2027 $51,957 $0 $0 $51,957 $48,000 4.17%
15% 2028 $52,996 $0 $0 $52,996 $48,000 4.22%
16% 2029 $54,056 $0 $0 $54,056 $48,000 4.27%
17% 2030 $55,137 $0 $0 $55,137 $48,000 4.32%
17% 2031 $56,240 $0 $0 $56,240 $48,000 4.38%
18% 2032 $57,364 $0 $0 $57,364 $48,000 4.44%
19% 2033 $58,512 $0 $0 $58,512 $48,000 4.50%
20% 2034 $59,682 $0 $0 $59,682 $48,000 4.57%
21% 2035 $60,876 $0 $0 $60,876 $48,000 4.64%
22% 2036 $63,833 $999 $741 $62,093 $48,000 4.72%
23% 2037 $65,176 $1,076 $765 $63,335 $48,000 4.81%
24% 2038 $66,545 $1,155 $789 $64,602 $48,000 4.90%
25% 2039 $67,942 $1,235 $813 $65,894 $48,000 5.00%
26% 2040 $69,695 $1,636 $848 $67,212 $48,000 5.11%
28% 2041 $71,157 $1,728 $873 $68,556 $48,000 5.23%
29% 2042 $72,648 $1,823 $898 $69,927 $48,000 5.35%
31% 2043 $74,169 $1,919 $924 $71,325 $48,000 5.49%
 32% 2044 $76,097 $2,383 $962 $72,752 $48,000 5.64%
34% 2045 $77,689 $2,493 $989 $74,207 $48,000 5.81%
36% 2046 $81,814 $4,998 $1,125 $75,691 $48,000 5.99%
38% 2047 $83,450 $5,098 $1,148 $77,205 $48,000 6.05%
39% 2048 $79,674 $2,132 $457 $77,085 $46,985 5.98%
39% 2049 $81,360 $2,286 $490 $78,584 $46,960 6.01%
39% 2050 $83,208 $2,466 $528 $80,213 $46,994 6.06%
40% 2051 $84,977 $2,637 $565 $81,774 $46,969 6.10%
40% 2052 $86,787 $2,818 $604 $83,365 $46,944 6.14%
40% 2053 $88,632 $2,985 $640 $85,007 $46,930 6.18%
40% 2054 $90,526 $3,184 $682 $86,660 $46,904 6.23%
41% 2055 $92,643 $3,392 $727 $88,524 $46,974 6.29%
41% 2056 $94,829 $3,611 $774 $90,445 $47,052 6.36%
42% 2057 $96,864 $3,809 $816 $92,239 $47,044 6.42%
43% 2058 $99,189 $4,048 $867 $94,273 $47,139 6.49%
43% 2059 $101,328 $4,261 $913 $96,153 $47,136 6.56%
44% 2060 $103,808 $4,522 $969 $98,316 $47,252 6.65%
45% 2061 $106,355 $4,750 $1,018 $100,586 $47,395 6.75%
46% 2062 $118,647 $9,895 $2,249 $106,503 $49,199 7.10%
47% 2063 $121,149 $10,173 $2,323 $108,653 $49,208 7.30%
49% 2064 $123,681 $10,443 $2,395 $110,843 $49,215 7.51%
50% 2065 $126,238 $10,703 $2,462 $113,073 $49,221 7.75%
52% 2066 $128,630 $10,836 $2,481 $115,314 $49,212 8.00%
54% 2067 $131,024 $10,942 $2,489 $117,592 $49,201 8.28%
55% 2068 $133,413 $11,019 $2,486 $119,908 $49,186 8.59%
58% 2069 $135,789 $11,060 $2,468 $122,261 $49,168 8.94%
60% 2070 $137,898 $10,909 $2,378 $124,612 $49,130 9.31%
62% 2071 $139,975 $10,709 $2,268 $126,998 $49,090 9.73%
65% 2072 $142,040 $10,455 $2,139 $129,446 $49,055 10.20%
67% 2073 $144,124 $10,143 $2,002 $131,979 $49,034 10.73%
70% 2074 $145,904 $9,586 $1,900 $134,419 $48,961 11.32%
73% 2075 $0 $15,049 $3,031 $0 $0 0.00%
#DIV/0! 2076 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2077 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2078 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2079 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2080 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2081 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2082 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2083 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2084 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2085 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2086 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2087 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2088 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2089 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2090 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2091 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2092 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2093 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2094 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2095 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2096 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2097 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2098 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2099 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2100 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2101 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2102 $0 #VALUE! $0 $0 $0 0.00%

$10,042 $2,092

$15,049 $3,031
 Loss weight
01-20 0.00 1
21-40 50,783,063.47 1
41-60 94,183,332.23 1
61-80 0.00 0

Loss
144966395.699069

While alive

CF Needs over/under Tax-Free Ord Income Div/LT gains

$48,000 $0 $0 $0 $30,524
$48,960 ($0) $0 $0 $31,371
$49,939 ($0) $0 $0 $32,233
$50,938 ($0) $0 $0 $33,110
$51,957 $0 $0 $0 $34,002
$52,996 $0 $0 $0 $34,910
$54,056 $0 $0 $0 $35,834
$55,137 ($0) $0 $0 $36,775
$56,240 ($0) $0 $0 $37,732
$57,364 ($0) $0 $0 $38,707
$58,512 $0 $0 $0 $39,699
$59,682 ($0) $0 $0 $40,709
$60,876 $0 $0 $0 $41,738
$62,093 $0 $0 $39,988 $17,180
$63,335 ($0) $0 $41,331 $17,280
$64,602 ($0) $0 $42,701 $17,375
$65,894 $0 $0 $44,097 $17,466
$67,212 ($0) $0 $45,850 $17,552
$68,556 $0 $0 $47,312 $17,634
$69,927 $0 $0 $48,804 $17,712
$71,325 $0 $0 $50,324 $17,785
 $72,752 $0 $0 $52,252 $17,854
$74,207 $0 $0 $53,844 $17,919
$75,691 $0 $0 $77,083 $0
$77,205 $0 $0 $78,625 $0
$78,749 ($1,664) $0 $56,410 $0
$80,324 ($1,740) $0 $58,335 $0
$81,931 ($1,717) $0 $60,457 $0
$83,569 ($1,795) $0 $62,539 $0
$85,241 ($1,875) $0 $64,701 $0
$86,945 ($1,939) $0 $66,790 $0
$88,684 ($2,024) $0 $69,115 $0
$90,458 ($1,934) $0 $71,531 $0
$92,267 ($1,822) $0 $74,038 $0
$94,112 ($1,873) $0 $76,419 $0
$95,995 ($1,721) $0 $79,112 $0
$97,915 ($1,762) $0 $81,640 $0
$99,873 ($1,557) $0 $84,528 $0
$101,870 ($1,284) $0 $87,201 $0
$103,908 $2,595 $0 $91,706 $0
$105,986 $2,667 $0 $94,036 $0
$108,106 $2,737 $0 $96,334 $0
$110,268 $2,805 $0 $98,583 $0
$112,473 $2,840 $0 $100,044 $0
$114,723 $2,869 $0 $101,358 $0
$117,017 $2,891 $0 $102,497 $0
$119,357 $2,903 $0 $103,427 $0
$121,744 $2,867 $0 $103,165 $0
$124,179 $2,819 $0 $102,614 $0
$126,663 $2,783 $0 $101,744 $0
$129,196 $2,783 $0 $100,519 $0
$131,780 $2,639 $0 $97,780 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
 For heirs For Tax Calc Fed Tax% - O

Div/LT
Ord Income Ord Income Div/LT gains Ord+Div+CG StdDed
gains 1 2
$0 $0 $0 $30,524 $30,524 $25,100 10% 12%
$0 $0 $0 $31,371 $31,371 $25,602 10% 12%
$0 $0 $0 $32,233 $32,233 $26,114 10% 12%
$0 $0 $0 $33,110 $33,110 $26,636 10% 12%
$0 $0 $0 $34,002 $34,002 $27,169 10% 12%
$0 $0 $0 $34,910 $34,910 $27,712 10% 12%
$0 $0 $0 $35,834 $35,834 $28,267 10% 12%
$0 $0 $0 $36,775 $36,775 $28,832 10% 12%
$0 $0 $0 $37,732 $37,732 $29,409 10% 12%
$0 $0 $0 $38,707 $38,707 $29,997 10% 12%
$0 $0 $0 $39,699 $39,699 $30,597 10% 12%
$0 $0 $0 $40,709 $40,709 $31,209 10% 12%
$0 $0 $0 $41,738 $41,738 $31,833 10% 12%
$0 $0 $39,988 $17,180 $57,168 $32,470 11% 13%
$0 $0 $41,331 $17,280 $58,611 $33,119 11% 13%
$0 $0 $42,701 $17,375 $60,076 $33,781 11% 13%
$0 $0 $44,097 $17,466 $61,564 $34,457 11% 13%
$0 $0 $45,850 $17,552 $63,403 $35,146 12% 14%
$0 $0 $47,312 $17,634 $64,947 $35,849 12% 14%
$0 $0 $48,804 $17,712 $66,515 $36,566 12% 14%
$0 $0 $50,324 $17,785 $68,109 $37,297 12% 14%
 $0 $0 $52,252 $17,854 $70,106 $38,043 13% 15%
$0 $0 $53,844 $17,919 $71,763 $38,804 13% 15%
$0 $0 $77,083 $0 $77,083 $39,580 13% 15%
$0 $0 $78,625 $0 $78,625 $40,372 13% 15%
$0 $0 $56,410 $0 $56,410 $41,179 14% 16%
$0 $0 $58,335 $0 $58,335 $42,003 14% 16%
$0 $0 $60,457 $0 $60,457 $42,843 14% 16%
$0 $0 $62,539 $0 $62,539 $43,700 14% 16%
$0 $0 $64,701 $0 $64,701 $44,574 14% 16%
$0 $0 $66,790 $0 $66,790 $45,465 14% 16%
$0 $0 $69,115 $0 $69,115 $46,374 14% 16%
$0 $0 $71,531 $0 $71,531 $47,302 14% 16%
$0 $0 $74,038 $0 $74,038 $48,248 14% 16%
$0 $0 $76,419 $0 $76,419 $49,213 14% 16%
$0 $0 $79,112 $0 $79,112 $50,197 14% 16%
$0 $0 $81,640 $0 $81,640 $51,201 14% 16%
$0 $0 $84,528 $0 $84,528 $52,225 14% 16%
$0 $0 $87,201 $0 $87,201 $53,270 14% 16%
$0 $0 $91,706 $0 $91,706 $27,168 14% 16%
$0 $0 $94,036 $0 $94,036 $27,711 14% 16%
$0 $0 $96,334 $0 $96,334 $28,265 14% 16%
$0 $0 $98,583 $0 $98,583 $28,830 14% 16%
$0 $0 $100,044 $0 $100,044 $29,407 14% 16%
$0 $0 $101,358 $0 $101,358 $29,995 14% 16%
$0 $0 $102,497 $0 $102,497 $30,595 14% 16%
$0 $0 $103,427 $0 $103,427 $31,207 14% 16%
$0 $0 $103,165 $0 $103,165 $31,831 14% 16%
$0 $0 $102,614 $0 $102,614 $32,468 14% 16%
$0 $0 $101,744 $0 $101,744 $33,117 14% 16%
$0 $0 $100,519 $0 $100,519 $33,779 14% 16%
$0 $0 $97,780 $0 $97,780 $34,455 14% 16%
$171,310 $0 $171,310 $0 $171,310 $70,288 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
 $0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%

$140,016 $0 $140,016 $0 $140,016 $70,288 14% 16%

$171,310 $0 $171,310 $0 $171,310 $70,288 14% 16%

Fed Tax% - Ordinary Fed Tax% Cap Gains/Dividends Tax kink poi

3 4 5 6 7 1 2 3 0 1
22% 24% 32% 35% 37% 0% 15% 20% 0 $19,900
22% 24% 32% 35% 37% 0% 15% 20% 0 $20,298
22% 24% 32% 35% 37% 0% 15% 20% 0 $20,704
22% 24% 32% 35% 37% 0% 15% 20% 0 $21,118
22% 24% 32% 35% 37% 0% 15% 20% 0 $21,540
25% 28% 33% 35% 40% 0% 15% 20% 0 $21,971
25% 28% 33% 35% 40% 0% 15% 20% 0 $22,411
25% 28% 33% 35% 40% 0% 15% 20% 0 $22,859
25% 28% 33% 35% 40% 0% 15% 20% 0 $23,316
26% 29% 34% 36% 41% 0% 16% 21% 0 $23,782
26% 29% 34% 36% 41% 0% 16% 21% 0 $24,258
26% 29% 34% 36% 41% 0% 16% 21% 0 $24,743
26% 29% 34% 36% 41% 0% 16% 21% 0 $25,238
27% 30% 35% 37% 42% 1% 17% 22% 0 $25,743
27% 30% 35% 37% 42% 1% 17% 22% 0 $26,258
27% 30% 35% 37% 42% 1% 17% 22% 0 $26,783
27% 30% 35% 37% 42% 1% 17% 22% 0 $27,318
28% 31% 36% 38% 43% 2% 18% 23% 0 $27,865
28% 31% 36% 38% 43% 2% 18% 23% 0 $28,422
28% 31% 36% 38% 43% 2% 18% 23% 0 $28,991
28% 31% 36% 38% 43% 2% 18% 23% 0 $29,570
29% 32% 37% 39% 44% 3% 19% 24% 0 $30,162
29% 32% 37% 39% 44% 3% 19% 24% 0 $30,765
29% 32% 37% 39% 44% 3% 19% 24% 0 $31,380
29% 32% 37% 39% 44% 3% 19% 24% 0 $32,008
30% 33% 38% 40% 45% 4% 20% 25% 0 $32,648
30% 33% 38% 40% 45% 4% 20% 25% 0 $33,301
30% 33% 38% 40% 45% 4% 20% 25% 0 $33,967
30% 33% 38% 40% 45% 4% 20% 25% 0 $34,646
30% 33% 38% 40% 45% 4% 20% 25% 0 $35,339
30% 33% 38% 40% 45% 4% 20% 25% 0 $36,046
30% 33% 38% 40% 45% 4% 20% 25% 0 $36,767
30% 33% 38% 40% 45% 4% 20% 25% 0 $37,502
30% 33% 38% 40% 45% 4% 20% 25% 0 $38,252
30% 33% 38% 40% 45% 4% 20% 25% 0 $39,017
30% 33% 38% 40% 45% 4% 20% 25% 0 $39,798
30% 33% 38% 40% 45% 4% 20% 25% 0 $40,594
30% 33% 38% 40% 45% 4% 20% 25% 0 $41,406
30% 33% 38% 40% 45% 4% 20% 25% 0 $42,234
30% 33% 38% 40% 45% 4% 20% 25% 0 $21,539
30% 33% 38% 40% 45% 4% 20% 25% 0 $21,970
30% 33% 38% 40% 45% 4% 20% 25% 0 $22,409
30% 33% 38% 40% 45% 4% 20% 25% 0 $22,858
30% 33% 38% 40% 45% 4% 20% 25% 0 $23,315
30% 33% 38% 40% 45% 4% 20% 25% 0 $23,781
30% 33% 38% 40% 45% 4% 20% 25% 0 $24,257
30% 33% 38% 40% 45% 4% 20% 25% 0 $24,742
30% 33% 38% 40% 45% 4% 20% 25% 0 $25,237
30% 33% 38% 40% 45% 4% 20% 25% 0 $25,741
30% 33% 38% 40% 45% 4% 20% 25% 0 $26,256
30% 33% 38% 40% 45% 4% 20% 25% 0 $26,781
30% 33% 38% 40% 45% 4% 20% 25% 0 $27,317
30% 33% 38% 40% 45% 4% 20% 25% 0 $55,727
30% 33% 38% 40% 45% 4% 20% 25% 0 $28,421
30% 33% 38% 40% 45% 4% 20% 25% 0 $28,989
30% 33% 38% 40% 45% 4% 20% 25% 0 $29,569
30% 33% 38% 40% 45% 4% 20% 25% 0 $30,160
30% 33% 38% 40% 45% 4% 20% 25% 0 $30,763
30% 33% 38% 40% 45% 4% 20% 25% 0 $31,379
30% 33% 38% 40% 45% 4% 20% 25% 0 $32,006
30% 33% 38% 40% 45% 4% 20% 25% 0 $32,646
30% 33% 38% 40% 45% 4% 20% 25% 0 $33,299
30% 33% 38% 40% 45% 4% 20% 25% 0 $33,965
30% 33% 38% 40% 45% 4% 20% 25% 0 $34,644
30% 33% 38% 40% 45% 4% 20% 25% 0 $35,337
30% 33% 38% 40% 45% 4% 20% 25% 0 $36,044
30% 33% 38% 40% 45% 4% 20% 25% 0 $36,765
30% 33% 38% 40% 45% 4% 20% 25% 0 $37,500
30% 33% 38% 40% 45% 4% 20% 25% 0 $38,250
30% 33% 38% 40% 45% 4% 20% 25% 0 $39,015
30% 33% 38% 40% 45% 4% 20% 25% 0 $39,796
30% 33% 38% 40% 45% 4% 20% 25% 0 $40,592
30% 33% 38% 40% 45% 4% 20% 25% 0 $41,403
30% 33% 38% 40% 45% 4% 20% 25% 0 $42,231
30% 33% 38% 40% 45% 4% 20% 25% 0 $43,076
30% 33% 38% 40% 45% 4% 20% 25% 0 $43,938
30% 33% 38% 40% 45% 4% 20% 25% 0 $44,816
30% 33% 38% 40% 45% 4% 20% 25% 0 $45,713
30% 33% 38% 40% 45% 4% 20% 25% 0 $46,627
30% 33% 38% 40% 45% 4% 20% 25% 0 $47,559

30% 33% 38% 40% 45% 4% 20% 25% 0 $55,727

30% 33% 38% 40% 45% 4% 20% 25% 0 $55,727

 Tax kink points - Cap
Tax kink points - Ordinary Gains/Dividends

2 3 4 5 6 0 1 2
$81,050 $172,750 $329,850 $418,850 $628,300 $0 $80,800 $445,850
$82,671 $176,205 $336,447 $427,227 $640,866 $0 $82,416 $454,767
$84,324 $179,729 $343,176 $435,772 $653,683 $0 $84,064 $463,862
$86,011 $183,324 $350,039 $444,487 $666,757 $0 $85,746 $473,140
$87,731 $186,990 $357,040 $453,377 $680,092 $0 $87,461 $482,602
$89,486 $190,730 $364,181 $462,444 $693,694 $0 $89,210 $492,254
$91,275 $194,545 $371,465 $471,693 $707,568 $0 $90,994 $502,100
$93,101 $198,435 $378,894 $481,127 $721,719 $0 $92,814 $512,142
$94,963 $202,404 $386,472 $490,750 $736,154 $0 $94,670 $522,384
$96,862 $206,452 $394,201 $500,565 $750,877 $0 $96,563 $532,832
$98,799 $210,581 $402,085 $510,576 $765,894 $0 $98,495 $543,489
$100,775 $214,793 $410,127 $520,787 $781,212 $0 $100,465 $554,358
$102,791 $219,089 $418,330 $531,203 $796,836 $0 $102,474 $565,446
$104,847 $223,471 $426,696 $541,827 $812,773 $0 $104,523 $576,755
$106,944 $227,940 $435,230 $552,664 $829,029 $0 $106,614 $588,290
$109,083 $232,499 $443,935 $563,717 $845,609 $0 $108,746 $600,055
$111,264 $237,149 $452,813 $574,991 $862,521 $0 $110,921 $612,057
$113,490 $241,892 $461,870 $586,491 $879,772 $0 $113,140 $624,298
$115,759 $246,730 $471,107 $598,221 $897,367 $0 $115,402 $636,784
$118,075 $251,664 $480,529 $610,185 $915,314 $0 $117,710 $649,519
$120,436 $256,697 $490,140 $622,389 $933,621 $0 $120,065 $662,510
$122,845 $261,831 $499,943 $634,837 $952,293 $0 $122,466 $675,760
$125,302 $267,068 $509,941 $647,534 $971,339 $0 $124,915 $689,275
$127,808 $272,409 $520,140 $660,484 $990,766 $0 $127,413 $703,061
$130,364 $277,858 $530,543 $673,694 $1,010,581 $0 $129,962 $717,122
$132,971 $283,415 $541,154 $687,168 $1,030,793 $0 $132,561 $731,464
$135,631 $289,083 $551,977 $700,911 $1,051,409 $0 $135,212 $746,093
$138,343 $294,865 $563,017 $714,929 $1,072,437 $0 $137,916 $761,015
$141,110 $300,762 $574,277 $729,228 $1,093,886 $0 $140,675 $776,236
$143,932 $306,777 $585,762 $743,813 $1,115,763 $0 $143,488 $791,760
$146,811 $312,913 $597,478 $758,689 $1,138,078 $0 $146,358 $807,596
$149,747 $319,171 $609,427 $773,863 $1,160,840 $0 $149,285 $823,747
$152,742 $325,554 $621,616 $789,340 $1,184,057 $0 $152,271 $840,222
$155,797 $332,065 $634,048 $805,127 $1,207,738 $0 $155,316 $857,027
$158,913 $338,707 $646,729 $821,229 $1,231,893 $0 $158,423 $874,167
$162,091 $345,481 $659,664 $837,654 $1,256,531 $0 $161,591 $891,651
$165,333 $352,391 $672,857 $854,407 $1,281,661 $0 $164,823 $909,484
$168,640 $359,438 $686,314 $871,495 $1,307,294 $0 $168,119 $927,673
$172,012 $366,627 $700,040 $888,925 $1,333,440 $0 $171,482 $946,227
$87,726 $186,980 $357,021 $453,352 $1,133,460 $0 $87,456 $965,151
$89,481 $190,719 $364,161 $462,419 $1,156,130 $0 $89,205 $984,454
$91,270 $194,534 $371,444 $471,667 $1,179,252 $0 $90,989 $1,004,144
$93,096 $198,424 $378,873 $481,100 $1,202,837 $0 $92,809 $1,024,226
$94,958 $202,393 $386,451 $490,722 $1,226,894 $0 $94,665 $1,044,711
$96,857 $206,441 $394,180 $500,537 $1,251,432 $0 $96,558 $1,065,605
$98,794 $210,570 $402,063 $510,548 $1,276,460 $0 $98,489 $1,086,917
$100,770 $214,781 $410,104 $520,759 $1,301,990 $0 $100,459 $1,108,656
$102,785 $219,077 $418,306 $531,174 $1,328,029 $0 $102,468 $1,130,829
$104,841 $223,458 $426,673 $541,797 $1,354,590 $0 $104,518 $1,153,445
$106,938 $227,927 $435,206 $552,633 $1,381,682 $0 $106,608 $1,176,514
$109,077 $232,486 $443,910 $563,686 $1,409,315 $0 $108,740 $1,200,045
$111,258 $237,136 $452,788 $574,960 $1,437,502 $0 $110,915 $1,224,045
$226,967 $483,757 $923,688 $1,172,917 $1,759,446 $0 $226,267 $1,248,526
$115,753 $246,716 $471,081 $598,188 $1,495,577 $0 $115,396 $1,273,497
$118,068 $251,650 $480,503 $610,152 $1,525,488 $0 $117,704 $1,298,967
$120,429 $256,683 $490,113 $622,355 $1,555,998 $0 $120,058 $1,324,946
$122,838 $261,817 $499,915 $634,802 $1,587,118 $0 $122,459 $1,351,445
$125,295 $267,053 $509,913 $647,498 $1,618,861 $0 $124,908 $1,378,474
$127,801 $272,394 $520,111 $660,448 $1,651,238 $0 $127,406 $1,406,043
$130,357 $277,842 $530,514 $673,657 $1,684,262 $0 $129,955 $1,434,164
$132,964 $283,399 $541,124 $687,130 $1,717,948 $0 $132,554 $1,462,848
$135,623 $289,067 $551,946 $700,872 $1,752,307 $0 $135,205 $1,492,105
$138,336 $294,848 $562,985 $714,890 $1,787,353 $0 $137,909 $1,521,947
$141,102 $300,745 $574,245 $729,188 $1,823,100 $0 $140,667 $1,552,386
$143,924 $306,760 $585,730 $743,771 $1,859,562 $0 $143,480 $1,583,433
$146,803 $312,895 $597,445 $758,647 $1,896,753 $0 $146,350 $1,615,102
$149,739 $319,153 $609,394 $773,820 $1,934,688 $0 $149,277 $1,647,404
$152,734 $325,536 $621,581 $789,296 $1,973,382 $0 $152,262 $1,680,352
$155,788 $332,047 $634,013 $805,082 $2,012,850 $0 $155,308 $1,713,959
$158,904 $338,688 $646,693 $821,184 $2,053,107 $0 $158,414 $1,748,238
$162,082 $345,462 $659,627 $837,607 $2,094,169 $0 $161,582 $1,783,203
$165,324 $352,371 $672,820 $854,360 $2,136,052 $0 $164,814 $1,818,867
$168,630 $359,418 $686,276 $871,447 $2,178,773 $0 $168,110 $1,855,244
$172,003 $366,607 $700,002 $888,876 $2,222,349 $0 $171,472 $1,892,349
$175,443 $373,939 $714,002 $906,653 $2,266,796 $0 $174,902 $1,930,196
$178,952 $381,418 $728,282 $924,786 $2,312,131 $0 $178,400 $1,968,800
$182,531 $389,046 $742,847 $943,282 $2,358,374 $0 $181,968 $2,008,176
$186,181 $396,827 $757,704 $962,148 $2,405,542 $0 $185,607 $2,048,340
$189,905 $404,764 $772,858 $981,391 $2,453,652 $0 $189,319 $2,089,307
$193,703 $412,859 $788,315 $1,001,018 $2,502,725 $0 $193,106 $2,131,093

$226,967 $483,757 $923,688 $1,172,917 $1,759,446 $0 $226,267 $1,248,526

$226,967 $483,757 $923,688 $1,172,917 $1,759,446 $0 $226,267 $1,248,526

 Intercepts - Federal Ordinary Intercepts - Federal CapGains

0 1 2 3 4 5 6 0 1 2
$0 $1,990 $9,328 $29,502 $67,206 $95,686 $168,994 $0 $0 $54,758
$0 $2,030 $9,515 $30,092 $68,550 $97,600 $172,373 $0 $0 $55,853
$0 $2,070 $9,705 $30,694 $69,921 $99,552 $175,821 $0 $0 $56,970
$0 $2,112 $9,899 $31,308 $71,320 $101,543 $179,337 $0 $0 $58,109
$0 $2,154 $10,097 $31,934 $72,746 $103,574 $182,924 $0 $0 $59,271
$0 $2,197 $10,299 $35,610 $84,176 $116,603 $197,540 $0 $0 $60,457
$0 $2,241 $10,505 $36,322 $85,860 $118,935 $201,491 $0 $0 $61,666
$0 $2,286 $10,715 $37,049 $87,577 $121,314 $205,521 $0 $0 $62,899
$0 $2,332 $10,929 $37,790 $89,328 $123,740 $209,632 $0 $0 $64,157
$0 $2,378 $11,148 $39,641 $94,088 $130,252 $220,364 $0 $0 $69,803
$0 $2,426 $11,371 $40,434 $95,970 $132,857 $224,772 $0 $0 $71,199
$0 $2,474 $11,598 $41,243 $97,890 $135,514 $229,267 $0 $0 $72,623
$0 $2,524 $11,830 $42,068 $99,847 $138,224 $233,852 $0 $0 $74,075
$0 $2,832 $13,115 $45,144 $106,111 $146,407 $246,657 $0 $1,045 $80,279
$0 $2,888 $13,378 $46,047 $108,234 $149,335 $251,590 $0 $1,066 $81,885
$0 $2,946 $13,645 $46,967 $110,398 $152,322 $256,622 $0 $1,087 $83,523
$0 $3,005 $13,918 $47,907 $112,606 $155,368 $261,755 $0 $1,109 $85,193
$0 $3,344 $15,331 $51,284 $119,477 $164,341 $275,787 $0 $2,263 $92,008
$0 $3,411 $15,638 $52,310 $121,867 $167,628 $281,303 $0 $2,308 $93,849
$0 $3,479 $15,951 $53,356 $124,304 $170,980 $286,929 $0 $2,354 $95,726
$0 $3,548 $16,270 $54,423 $126,790 $174,400 $292,668 $0 $2,401 $97,640
$0 $3,921 $17,823 $58,130 $134,325 $184,236 $308,044 $0 $3,674 $105,126
$0 $3,999 $18,180 $59,292 $137,012 $187,921 $314,205 $0 $3,747 $107,228
$0 $4,079 $18,544 $60,478 $139,752 $191,679 $320,489 $0 $3,822 $109,373
$0 $4,161 $18,914 $61,688 $142,547 $195,513 $326,899 $0 $3,899 $111,560
$0 $4,571 $20,622 $65,755 $150,809 $206,295 $343,745 $0 $5,302 $119,781
$0 $4,662 $21,035 $67,071 $153,826 $210,421 $350,620 $0 $5,408 $122,176
$0 $4,755 $21,456 $68,412 $156,902 $214,629 $357,632 $0 $5,517 $124,620
$0 $4,850 $21,885 $69,780 $160,040 $218,922 $364,785 $0 $5,627 $127,112
$0 $4,948 $22,322 $71,176 $163,241 $223,300 $372,080 $0 $5,740 $129,654
$0 $5,046 $22,769 $72,599 $166,506 $227,766 $379,522 $0 $5,854 $132,248
$0 $5,147 $23,224 $74,051 $169,836 $232,321 $387,112 $0 $5,971 $134,892
$0 $5,250 $23,689 $75,532 $173,233 $236,968 $394,855 $0 $6,091 $137,590
$0 $5,355 $24,162 $77,043 $176,697 $241,707 $402,752 $0 $6,213 $140,342
$0 $5,462 $24,646 $78,584 $180,231 $246,541 $410,807 $0 $6,337 $143,149
$0 $5,572 $25,139 $80,156 $183,836 $251,472 $419,023 $0 $6,464 $146,012
$0 $5,683 $25,641 $81,759 $187,513 $256,502 $427,403 $0 $6,593 $148,932
$0 $5,797 $26,154 $83,394 $191,263 $261,632 $435,951 $0 $6,725 $151,911
$0 $5,913 $26,677 $85,062 $195,088 $266,864 $444,670 $0 $6,859 $154,949
$0 $3,015 $13,605 $43,381 $99,495 $136,101 $408,144 $0 $3,498 $175,539
$0 $3,076 $13,878 $44,249 $101,485 $138,823 $416,307 $0 $3,568 $179,050
$0 $3,137 $14,155 $45,134 $103,515 $141,599 $424,633 $0 $3,640 $182,631
$0 $3,200 $14,438 $46,037 $105,585 $144,431 $433,126 $0 $3,712 $186,284
$0 $3,264 $14,727 $46,958 $107,696 $147,320 $441,788 $0 $3,787 $190,009
$0 $3,329 $15,021 $47,897 $109,850 $150,266 $450,624 $0 $3,862 $193,809
$0 $3,396 $15,322 $48,855 $112,047 $153,272 $459,637 $0 $3,940 $197,686
$0 $3,464 $15,628 $49,832 $114,288 $156,337 $468,829 $0 $4,018 $201,639
$0 $3,533 $15,941 $50,828 $116,574 $159,464 $478,206 $0 $4,099 $205,672
$0 $3,604 $16,260 $51,845 $118,906 $162,653 $487,770 $0 $4,181 $209,786
$0 $3,676 $16,585 $52,882 $121,284 $165,906 $497,526 $0 $4,264 $213,981
$0 $3,749 $16,917 $53,939 $123,709 $169,224 $507,476 $0 $4,350 $218,261
$0 $3,824 $17,255 $55,018 $126,184 $172,609 $517,626 $0 $4,437 $222,626
$0 $7,802 $35,200 $112,237 $257,415 $352,122 $586,733 $0 $9,051 $204,452
$0 $3,979 $17,952 $57,241 $131,281 $179,582 $538,538 $0 $4,616 $231,620
$0 $4,058 $18,311 $58,386 $133,907 $183,174 $549,308 $0 $4,708 $236,253
$0 $4,140 $18,677 $59,553 $136,585 $186,837 $560,295 $0 $4,802 $240,978
$0 $4,222 $19,051 $60,745 $139,317 $190,574 $571,500 $0 $4,898 $245,797
$0 $4,307 $19,432 $61,959 $142,103 $194,385 $582,930 $0 $4,996 $250,713
$0 $4,393 $19,821 $63,199 $144,945 $198,273 $594,589 $0 $5,096 $255,727
$0 $4,481 $20,217 $64,463 $147,844 $202,239 $606,481 $0 $5,198 $260,842
$0 $4,570 $20,621 $65,752 $150,801 $206,283 $618,610 $0 $5,302 $266,059
$0 $4,662 $21,034 $67,067 $153,817 $210,409 $630,983 $0 $5,408 $271,380
$0 $4,755 $21,454 $68,408 $156,893 $214,617 $643,602 $0 $5,516 $276,808
$0 $4,850 $21,883 $69,776 $160,031 $218,910 $656,474 $0 $5,627 $282,344
$0 $4,947 $22,321 $71,172 $163,232 $223,288 $669,604 $0 $5,739 $287,991
$0 $5,046 $22,768 $72,595 $166,497 $227,753 $682,996 $0 $5,854 $293,750
$0 $5,147 $23,223 $74,047 $169,827 $232,309 $696,656 $0 $5,971 $299,625
$0 $5,250 $23,687 $75,528 $173,223 $236,955 $710,589 $0 $6,090 $305,618
$0 $5,355 $24,161 $77,039 $176,688 $241,694 $724,801 $0 $6,212 $311,730
$0 $5,462 $24,644 $78,580 $180,221 $246,528 $739,297 $0 $6,337 $317,965
$0 $5,571 $25,137 $80,151 $183,826 $251,458 $754,083 $0 $6,463 $324,324
$0 $5,683 $25,640 $81,754 $187,502 $256,487 $769,164 $0 $6,593 $330,811
$0 $5,796 $26,153 $83,389 $191,252 $261,617 $784,548 $0 $6,724 $337,427
$0 $5,912 $26,676 $85,057 $195,077 $266,849 $800,239 $0 $6,859 $344,175
$0 $6,031 $27,209 $86,758 $198,979 $272,186 $816,243 $0 $6,996 $351,059
$0 $6,151 $27,754 $88,493 $202,958 $277,630 $832,568 $0 $7,136 $358,080
$0 $6,274 $28,309 $90,263 $207,018 $283,183 $849,220 $0 $7,279 $365,242
$0 $6,400 $28,875 $92,068 $211,158 $288,846 $866,204 $0 $7,424 $372,547
$0 $6,528 $29,452 $93,910 $215,381 $294,623 $883,528 $0 $7,573 $379,997
$0 $6,658 $30,041 $95,788 $219,689 $300,516 $901,199 $0 $7,724 $387,597

$0 $7,802 $35,200 $112,237 $257,415 $352,122 $586,733 $0 $9,051 $204,452

$0 $7,802 $35,200 $112,237 $257,415 $352,122 $586,733 $0 $9,051 $204,452

Income minus Deduction Tax bracket Tax Formula

1) 2) 3) 1) 2) 3)
OrdInc-Ded TotalInc-Dec
Ord/Ord Tot/Cap Ord/Cap Ord/Ord Tot/Cap Ord/Cap
$0 $5,424 1 1 1 $0 $0 $0
$0 $5,769 1 1 1 $0 $0 $0
$0 $6,119 1 1 1 $0 $0 $0
$0 $6,473 1 1 1 $0 $0 $0
$0 $6,833 1 1 1 $0 $0 $0
$0 $7,198 1 1 1 $0 $0 $0
$0 $7,568 1 1 1 $0 $0 $0
$0 $7,943 1 1 1 $0 $0 $0
$0 $8,324 1 1 1 $0 $0 $0
$0 $8,710 1 1 1 $0 $0 $0
$0 $9,102 1 1 1 $0 $0 $0
$0 $9,501 1 1 1 $0 $0 $0
$0 $9,905 1 1 1 $0 $0 $0
$7,519 $24,699 1 1 1 $827 $247 $75
$8,212 $25,492 1 1 1 $903 $255 $82
$8,920 $26,295 1 1 1 $981 $263 $89
$9,641 $27,107 1 1 1 $1,060 $271 $96
$10,704 $28,257 1 1 1 $1,285 $565 $214
$11,464 $29,098 1 1 1 $1,376 $582 $229
$12,238 $29,949 1 1 1 $1,469 $599 $245
$13,027 $30,812 1 1 1 $1,563 $616 $261
 $14,209 $32,063 1 1 1 $1,847 $962 $426
$15,040 $32,959 1 1 1 $1,955 $989 $451
$37,503 $37,503 2 1 1 $4,998 $1,125 $1,125
$38,253 $38,253 2 1 1 $5,098 $1,148 $1,148
$15,231 $15,231 1 1 1 $2,132 $609 $609
$16,332 $16,332 1 1 1 $2,286 $653 $653
$17,614 $17,614 1 1 1 $2,466 $705 $705
$18,839 $18,839 1 1 1 $2,637 $754 $754
$20,128 $20,128 1 1 1 $2,818 $805 $805
$21,325 $21,325 1 1 1 $2,985 $853 $853
$22,741 $22,741 1 1 1 $3,184 $910 $910
$24,229 $24,229 1 1 1 $3,392 $969 $969
$25,790 $25,790 1 1 1 $3,611 $1,032 $1,032
$27,206 $27,206 1 1 1 $3,809 $1,088 $1,088
$28,915 $28,915 1 1 1 $4,048 $1,157 $1,157
$30,439 $30,439 1 1 1 $4,261 $1,218 $1,218
$32,302 $32,302 1 1 1 $4,522 $1,292 $1,292
$33,932 $33,932 1 1 1 $4,750 $1,357 $1,357
$64,539 $64,539 2 1 1 $9,895 $2,582 $2,582
$66,325 $66,325 2 1 1 $10,173 $2,653 $2,653
$68,069 $68,069 2 1 1 $10,443 $2,723 $2,723
$69,752 $69,752 2 1 1 $10,703 $2,790 $2,790
$70,637 $70,637 2 1 1 $10,836 $2,825 $2,825
$71,363 $71,363 2 1 1 $10,942 $2,855 $2,855
$71,902 $71,902 2 1 1 $11,019 $2,876 $2,876
$72,220 $72,220 2 1 1 $11,060 $2,889 $2,889
$71,334 $71,334 2 1 1 $10,909 $2,853 $2,853
$70,147 $70,147 2 1 1 $10,709 $2,806 $2,806
$68,627 $68,627 2 1 1 $10,455 $2,745 $2,745
$66,740 $66,740 2 1 1 $10,143 $2,670 $2,670
$63,325 $63,325 2 1 1 $9,586 $2,533 $2,533
$101,022 $101,022 2 1 1 $15,049 $4,041 $4,041
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

$69,728 $69,728 2 1 1 $10,042 $2,789 $2,789

$101,022 $101,022 2 1 1 $15,049 $4,041 $4,041

 Marg Tax
Rates
Tax =(1) Fed Ord Fed Ord Inc CapGains
1 2 3 State
1+(2) -(3) Income CapGains Combined Combined
$0 0% 0% 0% 0% 0% 0% 2023 0% 0%
$0 0% 0% 0% 0% 0% 0% 2024 0% 0%
$0 0% 0% 0% 0% 0% 0% 2025 0% 0%
$0 0% 0% 0% 0% 0% 0% 2026 0% 0%
$0 0% 0% 0% 0% 0% 0% 2027 0% 0%
$0 0% 0% 0% 0% 0% 0% 2028 0% 0%
$0 0% 0% 0% 0% 0% 0% 2029 0% 0%
$0 0% 0% 0% 0% 0% 0% 2030 0% 0%
$0 0% 0% 0% 0% 0% 0% 2031 0% 0%
$0 0% 0% 0% 0% 0% 0% 2032 0% 0%
$0 0% 0% 0% 0% 0% 0% 2033 0% 0%
$0 0% 0% 0% 0% 0% 0% 2034 0% 0%
$0 0% 0% 0% 0% 0% 0% 2035 0% 0%
$999 11% 1% 1% 11% 1% 3% 2036 14% 4%
$1,076 11% 1% 1% 11% 1% 3% 2037 14% 4%
$1,155 11% 1% 1% 11% 1% 3% 2038 14% 4%
$1,235 11% 1% 1% 11% 1% 3% 2039 14% 4%
$1,636 12% 2% 2% 12% 2% 3% 2040 15% 5%
$1,728 12% 2% 2% 12% 2% 3% 2041 15% 5%
$1,823 12% 2% 2% 12% 2% 3% 2042 15% 5%
$1,919 12% 2% 2% 12% 2% 3% 2043 15% 5%
 $2,383 13% 3% 3% 13% 3% 3% 2044 16% 6%
$2,493 13% 3% 3% 13% 3% 3% 2045 16% 6%
$4,998 15% 3% 3% 15% 3% 3% 2046 18% 6%
$5,098 15% 3% 3% 15% 3% 3% 2047 18% 6%
$2,132 14% 4% 4% 14% 4% 3% 2048 17% 7%
$2,286 14% 4% 4% 14% 4% 3% 2049 17% 7%
$2,466 14% 4% 4% 14% 4% 3% 2050 17% 7%
$2,637 14% 4% 4% 14% 4% 3% 2051 17% 7%
$2,818 14% 4% 4% 14% 4% 3% 2052 17% 7%
$2,985 14% 4% 4% 14% 4% 3% 2053 17% 7%
$3,184 14% 4% 4% 14% 4% 3% 2054 17% 7%
$3,392 14% 4% 4% 14% 4% 3% 2055 17% 7%
$3,611 14% 4% 4% 14% 4% 3% 2056 17% 7%
$3,809 14% 4% 4% 14% 4% 3% 2057 17% 7%
$4,048 14% 4% 4% 14% 4% 3% 2058 17% 7%
$4,261 14% 4% 4% 14% 4% 3% 2059 17% 7%
$4,522 14% 4% 4% 14% 4% 3% 2060 17% 7%
$4,750 14% 4% 4% 14% 4% 3% 2061 17% 7%
$9,895 16% 4% 4% 16% 4% 6% 2062 22% 10%
$10,173 16% 4% 4% 16% 4% 6% 2063 22% 10%
$10,443 16% 4% 4% 16% 4% 6% 2064 22% 10%
$10,703 16% 4% 4% 16% 4% 6% 2065 22% 10%
$10,836 16% 4% 4% 16% 4% 6% 2066 22% 10%
$10,942 16% 4% 4% 16% 4% 6% 2067 22% 10%
$11,019 16% 4% 4% 16% 4% 6% 2068 22% 10%
$11,060 16% 4% 4% 16% 4% 6% 2069 22% 10%
$10,909 16% 4% 4% 16% 4% 6% 2070 22% 10%
$10,709 16% 4% 4% 16% 4% 6% 2071 22% 10%
$10,455 16% 4% 4% 16% 4% 6% 2072 22% 10%
$10,143 16% 4% 4% 16% 4% 3% 2073 19% 7%
$9,586 16% 4% 4% 16% 4% 3% 2074 19% 7%
$15,049 16% 4% 4% 16% 4% 3% 2075 19% 7%
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2076 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2077 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2078 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2079 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2080 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2081 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2082 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2083 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2084 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2085 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2086 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2087 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2088 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2089 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2090 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2091 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2092 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2093 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2094 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2095 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2096 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2097 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2098 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2099 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2100 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2101 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2102 #VALUE! #VALUE!

$10,042 16% 4% 4% 16% 4% 3%

$15,049 16% 4% 4% 16% 4% 3%

 State Tax
Space Left
Rates
0% Cap
Fed Std Fed 10% Fed 12%
Gains StdDed
Ded br Ord br Ord 1 2
bracket
$25,100 $19,900 $61,150 $75,376 $25,099.8 25100 0% 0%
$25,602 $20,298 $62,373 $76,647 $25,601.8 25602 0% 0%
$26,114 $20,704 $63,620 $77,946 $26,113.8 26114.04 0% 0%
$26,636 $21,118 $64,893 $79,272 $26,636.1 26636.32 0% 0%
$27,169 $21,540 $66,191 $80,628 $27,168.8 27169.05 0% 0%
$27,712 $21,971 $67,515 $82,012 $27,712.2 27712.43 0% 0%
$28,267 $22,411 $68,865 $83,426 $28,266.4 28266.68 0% 0%
$28,832 $22,859 $70,242 $84,871 $28,831.8 28832.01 0% 0%
$29,409 $23,316 $71,647 $86,346 $29,408.4 29408.65 0% 0%
$29,997 $23,782 $73,080 $87,853 $29,996.6 29996.82 0% 0%
$30,597 $24,258 $74,542 $89,392 $30,596.5 30596.76 0% 0%
$31,209 $24,743 $76,032 $90,964 $31,208.4 31208.7 0% 0%
$31,833 $25,238 $77,553 $92,569 $31,832.6 31832.87 0% 0%
$0 $18,224 $79,104 $79,825 ($0.3) 32469.53 3% 3%
$0 $18,045 $80,686 $81,122 ($0.3) 33118.92 3% 3%
$0 $17,863 $82,300 $82,451 ($0.3) 33781.3 3% 3%
$0 $17,678 $83,946 $83,814 34456.92 3% 3%
$0 $17,161 $85,625 $84,883 35146.06 3% 3%
$0 $16,959 $87,337 $86,305 35848.98 3% 3%
$0 $16,753 $89,084 $87,761 36565.96 3% 3%
$0 $16,543 $90,866 $89,253 37297.28 3% 3%
 $0 $15,953 $92,683 $90,403 38043.23 3% 3%
$0 $15,725 $94,537 $91,957 38804.09 3% 3%
$0 $0 $90,304 $89,910 39580.17 3% 3%
$0 $0 $92,110 $91,708 40371.77 3% 3%
$0 $17,417 $100,323 $117,330 41179.21 3% 3%
$0 $16,969 $102,330 $118,880 42002.79 3% 3%
$0 $16,353 $104,376 $120,302 42842.85 3% 3%
$0 $15,807 $106,464 $121,836 43699.71 3% 3%
$0 $15,212 $108,593 $123,361 44573.7 3% 3%
$0 $14,722 $110,765 $125,034 45465.18 3% 3%
$0 $14,026 $112,980 $126,544 46374.48 3% 3%
$0 $13,274 $115,240 $128,042 47301.97 3% 3%
$0 $12,462 $117,544 $129,526 48248.01 3% 3%
$0 $11,811 $119,895 $131,217 49212.97 3% 3%
$0 $10,883 $122,293 $132,676 50197.23 3% 3%
$0 $10,155 $124,739 $134,384 51201.17 3% 3%
$0 $9,103 $127,234 $135,817 52225.2 3% 3%
$0 $8,302 $129,779 $137,550 53269.7 3% 3%
$0 $0 $23,188 $22,917 27167.55 3% 3%
$0 $0 $23,156 $22,880 27710.9 3% 3%
$0 $0 $23,201 $22,920 28265.12 3% 3%
$0 $0 $23,343 $23,056 28830.42 3% 3%
$0 $0 $24,321 $24,028 29407.03 3% 3%
$0 $0 $25,494 $25,195 29995.17 3% 3%
$0 $0 $26,892 $26,587 30595.07 3% 3%
$0 $0 $28,550 $28,239 31206.97 3% 3%
$0 $0 $31,452 $31,135 31831.11 3% 3%
$0 $0 $34,694 $34,371 32467.73 3% 3%
$0 $0 $38,311 $37,981 33117.09 3% 3%
$0 $0 $42,337 $42,000 33779.43 3% 3%
$0 $0 $47,934 $47,590 34455.02 3% 3%
$0 $0 $125,945 $125,245 70288.24 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 35847 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 36563.94 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 37295.22 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 38041.12 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 38801.95 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 39577.99 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 40369.55 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 41176.94 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 42000.48 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 42840.48 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 43697.29 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 44571.24 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 45462.67 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 46371.92 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 47299.36 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 48245.34 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 49210.25 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 50194.46 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 51198.34 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 52222.31 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 53266.76 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 54332.09 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 55418.73 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 56527.11 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 57657.65 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 58810.8 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 59987.02 3% 3%

70288.24 3% 3%

70288.24 3% 3%
 Rates Kink Points
0
3 4 5 6 1 2 3 4 5
0% 0% 0% 0% 0 20000 50000 100000 150000 200000
0% 0% 0% 0% 0 20400 51000 102000 153000 204000
0% 0% 0% 0% 0 20808 52020 104040 156060 208080
0% 0% 0% 0% 0 21224.16 53060.4 106120.8 159181.2 212241.6
0% 0% 0% 0% 0 21648.64 54121.61 108243.2 162364.8 216486.4
0% 0% 0% 0% 0 22081.62 55204.04 110408.1 165612.1 220816.2
0% 0% 0% 0% 0 22523.25 56308.12 112616.2 168924.4 225232.5
0% 0% 0% 0% 0 22973.71 57434.28 114868.6 172302.9 229737.1
0% 0% 0% 0% 0 23433.19 58582.97 117165.9 175748.9 234331.9
3% 3% 3% 3% 0 23901.85 59754.63 119509.3 179263.9 239018.5
3% 3% 3% 3% 0 24379.89 60949.72 121899.4 182849.2 243798.9
3% 3% 3% 3% 0 24867.49 62168.72 124337.4 186506.1 248674.9
3% 3% 3% 3% 0 25364.84 63412.09 126824.2 190236.3 253648.4
6% 6% 6% 6% 0 25872.13 64680.33 129360.7 194041 258721.3
6% 6% 6% 6% 0 26389.58 65973.94 131947.9 197921.8 263895.8
6% 6% 6% 6% 0 26917.37 67293.42 134586.8 201880.3 269173.7
6% 6% 6% 6% 0 27455.71 68639.29 137278.6 205917.9 274557.1
6% 6% 6% 6% 0 28004.83 70012.07 140024.1 210036.2 280048.3
6% 6% 6% 6% 0 28564.92 71412.31 142824.6 214236.9 285649.2
6% 6% 6% 6% 0 29136.22 72840.56 145681.1 218521.7 291362.2
6% 6% 6% 6% 0 29718.95 74297.37 148594.7 222892.1 297189.5
6% 6% 6% 6% 0 30313.33 75783.32 151566.6 227350 303133.3
6% 6% 6% 6% 0 30919.59 77298.98 154598 231897 309195.9
6% 6% 6% 6% 0 31537.99 78844.96 157689.9 236534.9 315379.9
6% 6% 6% 6% 0 32168.74 80421.86 160843.7 241265.6 321687.4
6% 6% 6% 6% 0 32812.12 82030.3 164060.6 246090.9 328121.2
6% 6% 6% 6% 0 33468.36 83670.91 167341.8 251012.7 334683.6
6% 6% 6% 6% 0 34137.73 85344.32 170688.6 256033 341377.3
6% 6% 6% 6% 0 34820.48 87051.21 174102.4 261153.6 348204.8
6% 6% 6% 6% 0 35516.89 88792.23 177584.5 266376.7 355168.9
6% 6% 6% 6% 0 36227.23 90568.08 181136.2 271704.2 362272.3
6% 6% 6% 6% 0 36951.78 92379.44 184758.9 277138.3 369517.8
6% 6% 6% 6% 0 37690.81 94227.03 188454.1 282681.1 376908.1
6% 6% 6% 6% 0 38444.63 96111.57 192223.1 288334.7 384446.3
6% 6% 6% 6% 0 39213.52 98033.8 196067.6 294101.4 392135.2
6% 6% 6% 6% 0 39997.79 99994.48 199989 299983.4 399977.9
6% 6% 6% 6% 0 40797.75 101994.4 203988.7 305983.1 407977.5
6% 6% 6% 6% 0 41613.7 104034.3 208068.5 312102.8 416137
6% 6% 6% 6% 0 42445.98 106114.9 212229.9 318344.8 424459.8
6% 6% 6% 6% 0 21647.45 54118.62 108237.2 162355.9 216474.5
6% 6% 6% 6% 0 22080.4 55200.99 110402 165603 220804
6% 6% 6% 6% 0 22522 56305.01 112610 168915 225220
6% 6% 6% 6% 0 22972.44 57431.11 114862.2 172293.3 229724.4
6% 6% 6% 6% 0 23431.89 58579.73 117159.5 175739.2 234318.9
6% 6% 6% 6% 0 23900.53 59751.33 119502.7 179254 239005.3
6% 6% 6% 6% 0 24378.54 60946.36 121892.7 182839.1 243785.4
6% 6% 6% 6% 0 24866.11 62165.28 124330.6 186495.8 248661.1
6% 6% 6% 6% 0 25363.44 63408.59 126817.2 190225.8 253634.4
6% 6% 6% 6% 0 25870.7 64676.76 129353.5 194030.3 258707
6% 6% 6% 6% 0 26388.12 65970.29 131940.6 197910.9 263881.2
6% 6% 6% 6% 0 26915.88 67289.7 134579.4 201869.1 269158.8
6% 6% 6% 6% 0 27454.2 68635.49 137271 205906.5 274542
6% 6% 6% 6% 0 56006.56 140016.4 280032.8 420049.2 560065.6
6% 6% 6% 6% 0 28563.35 71408.37 142816.7 214225.1 285633.5
6% 6% 6% 6% 0 29134.61 72836.54 145673.1 218509.6 291346.1
6% 6% 6% 6% 0 29717.31 74293.27 148586.5 222879.8 297173.1
6% 6% 6% 6% 0 30311.65 75779.13 151558.3 227337.4 303116.5
6% 6% 6% 6% 0 30917.89 77294.71 154589.4 231884.1 309178.9
6% 6% 6% 6% 0 31536.24 78840.61 157681.2 236521.8 315362.4
6% 6% 6% 6% 0 32166.97 80417.42 160834.8 241252.3 321669.7
6% 6% 6% 6% 0 32810.31 82025.77 164051.5 246077.3 328103.1
6% 6% 6% 6% 0 33466.51 83666.29 167332.6 250998.9 334665.1
6% 6% 6% 6% 0 34135.84 85339.61 170679.2 256018.8 341358.4
6% 6% 6% 6% 0 34818.56 87046.4 174092.8 261139.2 348185.6
6% 6% 6% 6% 0 35514.93 88787.33 177574.7 266362 355149.3
6% 6% 6% 6% 0 36225.23 90563.08 181126.2 271689.2 362252.3
6% 6% 6% 6% 0 36949.74 92374.34 184748.7 277123 369497.4
6% 6% 6% 6% 0 37688.73 94221.83 188443.7 282665.5 376887.3
6% 6% 6% 6% 0 38442.51 96106.26 192212.5 288318.8 384425.1
6% 6% 6% 6% 0 39211.36 98028.39 196056.8 294085.2 392113.6
6% 6% 6% 6% 0 39995.58 99988.96 199977.9 299966.9 399955.8
6% 6% 6% 6% 0 40795.49 101988.7 203977.5 305966.2 407954.9
6% 6% 6% 6% 0 41611.4 104028.5 208057 312085.5 416114
6% 6% 6% 6% 0 42443.63 106109.1 212218.2 318327.2 424436.3
6% 6% 6% 6% 0 43292.5 108231.3 216462.5 324693.8 432925
6% 6% 6% 6% 0 44158.35 110395.9 220791.8 331187.7 441583.5
6% 6% 6% 6% 0 45041.52 112603.8 225207.6 337811.4 450415.2
6% 6% 6% 6% 0 45942.35 114855.9 229711.8 344567.6 459423.5
6% 6% 6% 6% 0 46861.2 117153 234306 351459 468612
6% 6% 6% 6% 0 47798.42 119496.1 238992.1 358488.2 477984.2

6% 6% 6% 6% 0 56006.56 140016.4 280032.8 420049.2 560065.6

6% 6% 6% 6% 0 56006.56 140016.4 280032.8 420049.2 560065.6

 State Intercepts
State Txbl Less State
0
1 2 3 4 5 Income StdDed
0 0 0 0 0 0 $30,524.27 $5,424.27
0 0 0 0 0 0 $31,371.16 $5,769.16
0 0 0 0 0 0 $32,232.85 $6,118.81
0 0 0 0 0 0 $33,109.68 $6,473.36
0 0 0 0 0 0 $34,001.96 $6,832.91
0 0 0 0 0 0 $34,910.02 $7,197.59
0 0 0 0 0 0 $35,834.21 $7,567.53
0 0 0 0 0 0 $36,774.87 $7,942.86
0 0 0 0 0 0 $37,732.35 $8,323.70
0 0 0 1792.639 3585.278 5377.917 $38,707.02 $8,710.19
0 0 0 1828.492 3656.983 5485.475 $39,699.23 $9,102.47
0 0 0 1865.061 3730.123 5595.184 $40,709.37 $9,500.67
0 0 0 1902.363 3804.725 5707.088 $41,737.81 $9,904.94
0 776.164 1940.41 5821.23 9702.05 13582.87 $57,168.18 $24,698.65
0 791.6873 1979.218 5937.654 9896.091 13854.53 $58,611.30 $25,492.38
0 807.521 2018.803 6056.408 10094.01 14131.62 $60,076.24 $26,294.94
0 823.6714 2059.179 6177.536 10295.89 14414.25 $61,563.63 $27,106.70
0 840.1449 2100.362 6301.086 10501.81 14702.53 $63,402.66 $28,256.60
0 856.9477 2142.369 6427.108 10711.85 14996.59 $64,946.68 $29,097.70
0 874.0867 2185.217 6555.65 10926.08 15296.52 $66,515.22 $29,949.26
0 891.5684 2228.921 6686.763 11144.61 15602.45 $68,109.01 $30,811.73
0 909.3998 2273.5 6820.499 11367.5 15914.5 $70,105.89 $32,062.66
0 927.5878 2318.97 6956.909 11594.85 16232.79 $71,762.69 $32,958.60
0 946.1396 2365.349 7096.047 11826.74 16557.44 $77,083.47 $37,503.30
0 965.0623 2412.656 7237.968 12063.28 16888.59 $78,625.14 $38,253.36
0 984.3636 2460.909 7382.727 12304.54 17226.36 $56,410.30 $15,231.09
0 1004.051 2510.127 7530.382 12550.64 17570.89 $58,334.91 $16,332.12
0 1024.132 2560.33 7680.989 12801.65 17922.31 $60,456.81 $17,613.96
0 1044.615 2611.536 7834.609 13057.68 18280.75 $62,538.85 $18,839.14
0 1065.507 2663.767 7991.301 13318.84 18646.37 $64,701.42 $20,127.72
0 1086.817 2717.042 8151.127 13585.21 19019.3 $66,789.68 $21,324.51
0 1108.553 2771.383 8314.15 13856.92 19399.68 $69,115.38 $22,740.90
0 1130.724 2826.811 8480.433 14134.05 19787.68 $71,530.59 $24,228.62
0 1153.339 2883.347 8650.041 14416.74 20183.43 $74,038.47 $25,790.47
0 1176.406 2941.014 8823.042 14705.07 20587.1 $76,418.94 $27,205.97
0 1199.934 2999.834 8999.503 14999.17 20998.84 $79,111.85 $28,914.62
0 1223.932 3059.831 9179.493 15299.16 21418.82 $81,639.69 $30,438.52
0 1248.411 3121.028 9363.083 15605.14 21847.19 $84,527.59 $32,302.39
0 1273.379 3183.448 9550.345 15917.24 22284.14 $87,201.26 $33,931.56
0 649.4234 1623.559 4870.676 8117.793 11364.91 $91,706.08 $64,538.54
0 662.4119 1656.03 4968.089 8280.149 11592.21 $94,035.81 $66,324.91
0 675.6601 1689.15 5067.451 8445.752 11824.05 $96,334.18 $68,069.07
0 689.1733 1722.933 5168.8 8614.667 12060.53 $98,582.86 $69,752.44
0 702.9568 1757.392 5272.176 8786.96 12301.74 $100,043.57 $70,636.54
0 717.0159 1792.54 5377.62 8962.699 12547.78 $101,357.85 $71,362.68
0 731.3563 1828.391 5485.172 9141.953 12798.73 $102,496.91 $71,901.84
0 745.9834 1864.958 5594.875 9324.792 13054.71 $103,427.14 $72,220.17
0 760.9031 1902.258 5706.773 9511.288 13315.8 $103,164.69 $71,333.58
0 776.1211 1940.303 5820.908 9701.514 13582.12 $102,614.40 $70,146.66
0 791.6435 1979.109 5937.327 9895.544 13853.76 $101,744.37 $68,627.28
0 807.4764 2018.691 6056.073 10093.46 14130.84 $100,519.41 $66,739.98
0 823.6259 2059.065 6177.195 10295.32 14413.45 $97,779.54 $63,324.52
0 1680.197 4200.492 12601.48 21002.46 29403.45 $171,309.96 $101,021.73
0 856.9004 2142.251 6426.753 10711.26 14995.76 $0.00 $0.00
0 874.0384 2185.096 6555.288 10925.48 15295.67 $0.00 $0.00
0 891.5192 2228.798 6686.394 11143.99 15601.59 $0.00 $0.00
0 909.3496 2273.374 6820.122 11366.87 15913.62 $0.00 $0.00
0 927.5366 2318.841 6956.524 11594.21 16231.89 $0.00 $0.00
0 946.0873 2365.218 7095.655 11826.09 16556.53 $0.00 $0.00
0 965.0091 2412.523 7237.568 12062.61 16887.66 $0.00 $0.00
0 984.3092 2460.773 7382.319 12303.87 17225.41 $0.00 $0.00
0 1003.995 2509.989 7529.966 12549.94 17569.92 $0.00 $0.00
0 1024.075 2560.188 7680.565 12800.94 17921.32 $0.00 $0.00
0 1044.557 2611.392 7834.176 13056.96 18279.74 $0.00 $0.00
0 1065.448 2663.62 7990.86 13318.1 18645.34 $0.00 $0.00
0 1086.757 2716.892 8150.677 13584.46 19018.25 $0.00 $0.00
0 1108.492 2771.23 8313.691 13856.15 19398.61 $0.00 $0.00
0 1130.662 2826.655 8479.964 14133.27 19786.58 $0.00 $0.00
0 1153.275 2883.188 8649.564 14415.94 20182.32 $0.00 $0.00
0 1176.341 2940.852 8822.555 14704.26 20585.96 $0.00 $0.00
0 1199.867 2999.669 8999.006 14998.34 20997.68 $0.00 $0.00
0 1223.865 3059.662 9178.986 15298.31 21417.63 $0.00 $0.00
0 1248.342 3120.855 9362.566 15604.28 21845.99 $0.00 $0.00
0 1273.309 3183.272 9549.817 15916.36 22282.91 $0.00 $0.00
0 1298.775 3246.938 9740.814 16234.69 22728.56 $0.00 $0.00
0 1324.751 3311.877 9935.63 16559.38 23183.14 $0.00 $0.00
0 1351.246 3378.114 10134.34 16890.57 23646.8 $0.00 $0.00
0 1378.271 3445.676 10337.03 17228.38 24119.73 $0.00 $0.00
0 1405.836 3514.59 10543.77 17572.95 24602.13 $0.00 $0.00
0 1433.953 3584.882 10754.65 17924.41 25094.17 $0.00 $0.00

0 1680.197 4200.492 12601.48 21002.46 29403.45 $140,016.41 $69,728.17

0 1680.197 4200.492 12601.48 21002.46 29403.45 $171,309.96 $101,021.73

Bracket Tax

1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $740.96
1 $764.77
1 $788.85
1 $813.20
2 $847.70
2 $872.93
2 $898.48
2 $924.35
2 $961.88
2 $988.76
2 $1,125.10
2 $1,147.60
1 $456.93
1 $489.96
1 $528.42
1 $565.17
1 $603.83
1 $639.74
1 $682.23
1 $726.86
1 $773.71
1 $816.18
1 $867.44
1 $913.16
1 $969.07
1 $1,017.95
3 $2,248.75
3 $2,323.47
3 $2,394.99
3 $2,462.21
3 $2,480.80
3 $2,489.22
3 $2,485.72
3 $2,468.25
3 $2,377.76
3 $2,268.50
3 $2,138.53
2 $2,002.20
2 $1,899.74
2 $3,030.65
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00

2 $2,091.85

2 $3,030.65
 Year1 2023 Account
Spending Target $48,000 Taxable1 Taxable2
growth (nom.) 2.00% Value $600,000 $0
Step-Up Basis? 1 (1=yes, 0=no) Basis $300,000 $0
Returns 5.00% 5.00%
Spouse1 Spouse2 CapG 3.00% 3.00%
Age in Year1 47 39 Dividends 2.00% 2.00%
Final age 85 90 Interest 0.00% 0.00%
Final period 39 52 Tax-free Int 0.00% 0.00%
Bequest Year 2075 (beginning of the year) S.1256 0.00% 0.00%
Bequest Period 53 Returns($) $30,000 $0
Heir Filing Status Married fut $
Heir Ord. Inc. $50,000 $140,016
Heir Div. Inc. $0 $0

Cash Flow Convg $0 0.00

RMD OK?
401k OK
IRA OK

Params

# Year Filing Age1 Age2 RMD Val_0 CB_0 Income

1 2023 Married 47 39 0.0% $600,000 $300,000 $12,000

2 2024 Married 48 40 0.0% $582,000 $332,524 $11,640
3 2025 Married 49 41 0.0% $562,140 $361,823 $11,243
4 2026 Married 50 42 0.0% $540,308 $387,641 $10,806
5 2027 Married 51 43 0.0% $516,385 $409,687 $10,328
6 2028 Married 52 44 0.0% $490,248 $427,622 $9,805
7 2029 Married 53 45 0.0% $461,764 $441,046 $9,235
8 2030 Married 54 46 0.0% $430,797 $430,797 $8,616
9 2031 Married 55 47 0.0% $397,200 $397,200 $7,944
10 2032 Married 56 48 0.0% $360,820 $360,820 $7,216
11 2033 Married 57 49 0.0% $321,496 $321,496 $6,430
12 2034 Married 58 50 0.0% $279,060 $279,060 $5,581
13 2035 Married 59 51 0.0% $233,331 $233,331 $4,667
14 2036 Married 60 52 0.0% $184,121 $184,121 $3,682
15 2037 Married 61 53 0.0% $169,483 $164,547 $3,390
16 2038 Married 62 54 0.0% $154,113 $145,266 $3,082
17 2039 Married 63 55 0.0% $137,974 $126,265 $2,759
18 2040 Married 64 56 0.0% $121,028 $107,532 $2,421
19 2041 Married 65 57 0.0% $103,235 $89,051 $2,065
20 2042 Married 66 58 0.0% $84,552 $70,811 $1,691
21 2043 Married 67 59 0.0% $64,935 $52,798 $1,299
22 2044 Married 68 60 0.0% $44,337 $35,000 $887
23 2045 Married 69 61 0.0% $22,709 $17,405 $454
24 2046 Married 70 62 0.0% $0 $0 $0
25 2047 Married 71 63 0.0% $0 $0 $0
26 2048 Married 72 64 3.6% $0 $0 $0
27 2049 Married 73 65 3.8% $0 $0 $0
28 2050 Married 74 66 3.9% $0 $0 $0
29 2051 Married 75 67 4.1% $0 $0 $0
30 2052 Married 76 68 4.2% $0 $0 $0
31 2053 Married 77 69 4.4% $0 $0 $0
32 2054 Married 78 70 4.5% $0 $0 $0
33 2055 Married 79 71 4.7% $0 $0 $0
34 2056 Married 80 72 5.0% $0 $0 $0
35 2057 Married 81 73 5.2% $0 $0 $0
36 2058 Married 82 74 5.4% $0 $0 $0
37 2059 Married 83 75 5.6% $0 $0 $0
38 2060 Married 84 76 6.0% $0 $0 $0
39 2061 Married 85 77 6.3% $0 $0 $0
40 2062 Single 78 7.9% $0 $0 $0
41 2063 Single 79 8.4% $0 $0 $0
42 2064 Single 80 8.9% $0 $0 $0
43 2065 Single 81 9.5% $0 $0 $0
44 2066 Single 82 10.1% $0 $0 $0
45 2067 Single 83 10.8% $0 $0 $0
46 2068 Single 84 11.5% $0 $0 $0
47 2069 Single 85 12.3% $0 $0 $0
48 2070 Single 86 13.2% $0 $0 $0
49 2071 Single 87 14.1% $0 $0 $0
50 2072 Single 88 15.2% $0 $0 $0
51 2073 Single 89 16.4% $0 $0 $0
52 2074 Single 90 17.5% $0 $0 $0
53 2075 Married 0.0% $0 $0 $0
54 2076 NaN 0.0% $0 $0 $0
55 2077 NaN 0.0% $0 $0 $0
56 2078 NaN 0.0% $0 $0 $0
57 2079 NaN 0.0% $0 $0 $0
58 2080 NaN 0.0% $0 $0 $0
59 2081 NaN 0.0% $0 $0 $0
60 2082 NaN 0.0% $0 $0 $0
61 2083 NaN 0.0% $0 $0 $0
62 2084 NaN 0.0% $0 $0 $0
63 2085 NaN 0.0% $0 $0 $0
64 2086 NaN 0.0% $0 $0 $0
65 2087 NaN 0.0% $0 $0 $0
66 2088 NaN 0.0% $0 $0 $0
 67 2089 NaN 0.0% $0 $0 $0
68 2090 NaN 0.0% $0 $0 $0
69 2091 NaN 0.0% $0 $0 $0
70 2092 NaN 0.0% $0 $0 $0
71 2093 NaN 0.0% $0 $0 $0
72 2094 NaN 0.0% $0 $0 $0
73 2095 NaN 0.0% $0 $0 $0
74 2096 NaN 0.0% $0 $0 $0
75 2097 NaN 0.0% $0 $0 $0
76 2098 NaN 0.0% $0 $0 $0
77 2099 NaN 0.0% $0 $0 $0
78 2100 NaN 0.0% $0 $0 $0
79 2101 NaN 0.0% $0 $0 $0
80 2102 NaN 0.0% $0 $0 $0

Baseline Inc Tax Calc for Heir, without inheritance

53 2075 Married

Inc Tax Calc for Heir, with 10% of inheritance

53 2075 Married

10x tax impact

Fed $0
State $0
 Nominal Real
401k IRA Roth/HSA Total Txbl1 $0 $0
$450,000 $0 $150,000 $1,200,000 Txbl2 $0 $0
$0 $0 N/A 401k $0 $0
5.00% 5.00% 5.00% 5.00% IRA $0 $0
3.00% 3.00% 3.00% Roth $1,655,381 $591,138
2.00% 2.00% 2.00% Total $1,655,381 $591,138
0.00% 0.00% 0.00% Tax $0 $0
0.00% 0.00% 0.00% Fed $0 $0
0.00% 0.00% 0.00% State $0 $0
$22,500 $0 $7,500 $60,000 After-tax $1,655,381 $591,138
Rel to baselin $572,300 $204,369

Taxable 1

Contrib/ Tax Gain

CapGains PrincipalLiq CapGains Basis Reinvest Val_1
Withdraw Harvest
$18,000 ($48,000) $50,000 $36,000 $68,524 $17,476 $0 $582,000
$17,460 ($48,960) $50,000 $37,320 $66,618 $20,702 $0 $562,140
$16,864 ($49,939) $50,000 $38,696 $64,515 $24,182 $0 $540,308
$16,209 ($50,938) $50,000 $40,132 $62,178 $27,954 $0 $516,385
$15,492 ($51,957) $50,000 $41,629 $59,564 $32,065 $0 $490,248
$14,707 ($52,996) $50,000 $43,191 $56,615 $36,576 $0 $461,764
$13,853 ($54,056) $31,314 $44,821 $34,572 $41,563 $0 $430,797
$12,924 ($55,137) $11,569 $46,521 $12,924 $45,166 $0 $397,200
$11,916 ($56,240) $10,509 $48,296 $11,916 $46,889 $0 $360,820
$10,825 ($57,364) $9,364 $50,148 $10,825 $48,687 $0 $321,496
$9,645 ($58,512) $8,128 $52,082 $9,645 $50,565 $0 $279,060
$8,372 ($59,682) $6,796 $54,101 $8,372 $52,525 $0 $233,331
$7,000 ($60,876) $5,363 $56,209 $7,000 $54,572 $0 $184,121
$5,524 ($23,845) $0 $20,162 $587 $19,575 $0 $169,483
$5,084 ($23,845) $0 $20,455 $1,174 $19,281 $0 $154,113
$4,623 ($23,845) $0 $20,762 $1,762 $19,000 $0 $137,974
$4,139 ($23,845) $0 $21,085 $2,351 $18,734 $0 $121,028
$3,631 ($23,845) $0 $21,424 $2,943 $18,481 $0 $103,235
$3,097 ($23,845) $0 $21,780 $3,540 $18,240 $0 $84,552
$2,537 ($23,845) $0 $22,154 $4,141 $18,013 $0 $64,935
$1,948 ($23,845) $0 $22,546 $4,748 $17,798 $0 $44,337
$1,330 ($23,845) $0 $22,958 $5,363 $17,595 $0 $22,709
$681 ($23,845) $0 $23,390 $5,986 $17,405 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
 Total p.a. % of Cons % of WD
Withdraw $2,498,294 $48,044 100.1% 100.0%
Consume $2,496,000 $48,000 100.0% 99.9%
Tax $2,294 $44 0.1% 0.1%
Fed $1,070 $21 0.0% 0.0%
State $1,224 $24 0.0% 0.0%

Heirs $591,138
After-tax $591,138
Tax $0
Fed $0
State $0

Combined % of Cons % of WD
Total bef. Tax $3,089,432 100.1% 100.0%
After-tax $3,087,138 100.0% 99.9%
Tax $2,294 0.1% 0.1%
Fed $1,070 0.0% 0.0%
State $1,224 0.0% 0.0%

Taxable 2

Contrib/ Tax Gain

CB_1 Val_0 CB_0 Income CapGains
Withdraw Harvest
$332,524 $0 $0 $0 $0 $0 $0
$361,823 $0 $0 $0 $0 $0 $0
$387,641 $0 $0 $0 $0 $0 $0
$409,687 $0 $0 $0 $0 $0 $0
$427,622 $0 $0 $0 $0 $0 $0
$441,046 $0 $0 $0 $0 $0 $0
$430,797 $0 $0 $0 $0 $0 $0
$397,200 $0 $0 $0 $0 $0 $0
$360,820 $0 $0 $0 $0 $0 $0
$321,496 $0 $0 $0 $0 $0 $0
$279,060 $0 $0 $0 $0 $0 $0
$233,331 $0 $0 $0 $0 $0 $0
$184,121 $0 $0 $0 $0 $0 $0
$164,547 $0 $0 $0 $0 $0 $0
$145,266 $0 $0 $0 $0 $0 $0
$126,265 $0 $0 $0 $0 $0 $0
$107,532 $0 $0 $0 $0 $0 $0
$89,051 $0 $0 $0 $0 $0 $0
$70,811 $0 $0 $0 $0 $0 $0
$52,798 $0 $0 $0 $0 $0 $0
$35,000 $0 $0 $0 $0 $0 $0
$17,405 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
 Tax Arb Indicators
$200,000
$180,000
$160,000
$140,000
$120,000
$100,000
$80,000
$60,000
$40,000
$20,000
$0
2020 2025 2030 2035 2040 2045 2050 2055 2060 2065 207

Fed Std Ded Fed 10% br Ord

Fed 12% br Ord 0% Cap Gains bracket

axable 2

PrincipalLiq CapGains Basis Reinvest Val_1 CB_1 Val_0 CB_0

$0 $0 $0 $0 $0 $0 $450,000 $0
$0 $0 $0 $0 $0 $0 $447,400 $0
$0 $0 $0 $0 $0 $0 $444,168 $0
$0 $0 $0 $0 $0 $0 $440,262 $0
$0 $0 $0 $0 $0 $0 $435,639 $0
$0 $0 $0 $0 $0 $0 $430,252 $0
$0 $0 $0 $0 $0 $0 $424,052 $0
$0 $0 $0 $0 $0 $0 $416,988 $0
$0 $0 $0 $0 $0 $0 $409,006 $0
$0 $0 $0 $0 $0 $0 $400,047 $0
$0 $0 $0 $0 $0 $0 $390,053 $0
$0 $0 $0 $0 $0 $0 $378,959 $0
$0 $0 $0 $0 $0 $0 $366,698 $0
$0 $0 $0 $0 $0 $0 $353,200 $0
$0 $0 $0 $0 $0 $0 $338,391 $0
$0 $0 $0 $0 $0 $0 $322,191 $0
$0 $0 $0 $0 $0 $0 $304,519 $0
$0 $0 $0 $0 $0 $0 $285,288 $0
$0 $0 $0 $0 $0 $0 $264,407 $0
$0 $0 $0 $0 $0 $0 $241,778 $0
$0 $0 $0 $0 $0 $0 $217,301 $0
$0 $0 $0 $0 $0 $0 $190,869 $0
$0 $0 $0 $0 $0 $0 $162,369 $0
$0 $0 $0 $0 $0 $0 $131,684 $0
$0 $0 $0 $0 $0 $0 $125,495 $0
$0 $0 $0 $0 $0 $0 $118,741 $0
$0 $0 $0 $0 $0 $0 $111,390 $0
$0 $0 $0 $0 $0 $0 $103,404 $0
$0 $0 $0 $0 $0 $0 $94,749 $0
$0 $0 $0 $0 $0 $0 $85,384 $0
$0 $0 $0 $0 $0 $0 $75,269 $0
$0 $0 $0 $0 $0 $0 $64,360 $0
$0 $0 $0 $0 $0 $0 $52,613 $0
$0 $0 $0 $0 $0 $0 $39,979 $0
$0 $0 $0 $0 $0 $0 $26,407 $0
$0 $0 $0 $0 $0 $0 $11,846 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
Arb Indicators Marginal Tax Rate (Fed+State)
20%
18%
16%
14%
12%
10%
8%
6%
4%
2%
0 2045 2050 2055 2060 2065 2070 2075
0%
2020 2025 2030 2035 2040 2045 2050 2055 2060 2065 2070 2075
Fed 10% br Ord
rd 0% Cap Gains bracket Ord Inc Combined CapGains Combined

401k

Contrib/
Gains RMD WD/gain WD/basis Val_1 CB_1 Val_0 CB_0
Withdraw
$22,500 ($25,100) $0 $25,100 $0 $447,400 $0 $0 $0
$22,370 ($25,602) $0 $25,602 $0 $444,168 $0 $0 $0
$22,208 ($26,114) $0 $26,114 $0 $440,262 $0 $0 $0
$22,013 ($26,636) $0 $26,636 $0 $435,639 $0 $0 $0
$21,782 ($27,169) $0 $27,169 $0 $430,252 $0 $0 $0
$21,513 ($27,712) $0 $27,712 $0 $424,052 $0 $0 $0
$21,203 ($28,267) $0 $28,267 $0 $416,988 $0 $0 $0
$20,849 ($28,832) $0 $28,832 $0 $409,006 $0 $0 $0
$20,450 ($29,409) $0 $29,409 $0 $400,047 $0 $0 $0
$20,002 ($29,997) $0 $29,997 $0 $390,053 $0 $0 $0
$19,503 ($30,597) $0 $30,597 $0 $378,959 $0 $0 $0
$18,948 ($31,209) $0 $31,209 $0 $366,698 $0 $0 $0
$18,335 ($31,833) $0 $31,833 $0 $353,200 $0 $0 $0
$17,660 ($32,470) $0 $32,470 $0 $338,391 $0 $0 $0
$16,920 ($33,119) $0 $33,119 $0 $322,191 $0 $0 $0
$16,110 ($33,781) $0 $33,781 $0 $304,519 $0 $0 $0
$15,226 ($34,457) $0 $34,457 $0 $285,288 $0 $0 $0
$14,264 ($35,146) $0 $35,146 $0 $264,407 $0 $0 $0
$13,220 ($35,849) $0 $35,849 $0 $241,778 $0 $0 $0
$12,089 ($36,566) $0 $36,566 $0 $217,301 $0 $0 $0
$10,865 ($37,297) $0 $37,297 $0 $190,869 $0 $0 $0
$9,543 ($38,043) $0 $38,043 $0 $162,369 $0 $0 $0
$8,118 ($38,804) $0 $38,804 $0 $131,684 $0 $0 $0
$6,584 ($12,773) $0 $12,773 $0 $125,495 $0 $0 $0
$6,275 ($13,028) $0 $13,028 $0 $118,741 $0 $0 $0
$5,937 ($13,289) ($4,334) $13,289 $0 $111,390 $0 $0 $0
$5,569 ($13,555) ($4,203) $13,555 $0 $103,404 $0 $0 $0
$5,170 ($13,826) ($4,055) $13,826 $0 $94,749 $0 $0 $0
$4,737 ($14,102) ($3,852) $14,102 $0 $85,384 $0 $0 $0
$4,269 ($14,384) ($3,603) $14,384 $0 $75,269 $0 $0 $0
$3,763 ($14,672) ($3,287) $14,672 $0 $64,360 $0 $0 $0
$3,218 ($14,965) ($2,925) $14,965 $0 $52,613 $0 $0 $0
$2,631 ($15,265) ($2,493) $15,265 $0 $39,979 $0 $0 $0
$1,999 ($15,570) ($1,979) $15,570 $0 $26,407 $0 $0 $0
$1,320 ($15,881) ($1,361) $15,881 $0 $11,846 $0 $0 $0
$592 ($12,439) ($640) $12,439 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0

RMD Check 0
ate)

2060 2065 2070 2075

ombined

IRA Roth

Contrib/
Gains RMD WD/gain WD/basis Val_1 CB_1 Val_0 Gains
Withdraw
$0 $0 $0 $0 $0 $0 $0 $150,000 $7,500
$0 $0 $0 $0 $0 $0 $0 $182,600 $9,130
$0 $0 $0 $0 $0 $0 $0 $217,332 $10,867
$0 $0 $0 $0 $0 $0 $0 $254,313 $12,716
$0 $0 $0 $0 $0 $0 $0 $293,665 $14,683
$0 $0 $0 $0 $0 $0 $0 $335,517 $16,776
$0 $0 $0 $0 $0 $0 $0 $380,005 $19,000
$0 $0 $0 $0 $0 $0 $0 $427,272 $21,364
$0 $0 $0 $0 $0 $0 $0 $477,468 $23,873
$0 $0 $0 $0 $0 $0 $0 $530,750 $26,537
$0 $0 $0 $0 $0 $0 $0 $587,284 $29,364
$0 $0 $0 $0 $0 $0 $0 $647,245 $32,362
$0 $0 $0 $0 $0 $0 $0 $710,816 $35,541
$0 $0 $0 $0 $0 $0 $0 $778,189 $38,909
$0 $0 $0 $0 $0 $0 $0 $811,149 $40,557
$0 $0 $0 $0 $0 $0 $0 $845,152 $42,258
$0 $0 $0 $0 $0 $0 $0 $880,241 $44,012
$0 $0 $0 $0 $0 $0 $0 $916,456 $45,823
$0 $0 $0 $0 $0 $0 $0 $953,790 $47,689
$0 $0 $0 $0 $0 $0 $0 $992,336 $49,617
$0 $0 $0 $0 $0 $0 $0 $1,032,145 $51,607
$0 $0 $0 $0 $0 $0 $0 $1,073,267 $53,663
$0 $0 $0 $0 $0 $0 $0 $1,115,691 $55,785
$0 $0 $0 $0 $0 $0 $0 $1,159,531 $57,977
$0 $0 $0 $0 $0 $0 $0 $1,186,127 $59,306
$0 $0 $0 $0 $0 $0 $0 $1,213,425 $60,671
$0 $0 $0 $0 $0 $0 $0 $1,241,448 $62,072
$0 $0 $0 $0 $0 $0 $0 $1,270,220 $63,511
$0 $0 $0 $0 $0 $0 $0 $1,299,764 $64,988
$0 $0 $0 $0 $0 $0 $0 $1,330,106 $66,505
$0 $0 $0 $0 $0 $0 $0 $1,361,271 $68,064
$0 $0 $0 $0 $0 $0 $0 $1,393,289 $69,664
$0 $0 $0 $0 $0 $0 $0 $1,426,186 $71,309
$0 $0 $0 $0 $0 $0 $0 $1,459,993 $73,000
$0 $0 $0 $0 $0 $0 $0 $1,494,741 $74,737
$0 $0 $0 $0 $0 $0 $0 $1,530,460 $76,523
$0 $0 $0 $0 $0 $0 $0 $1,563,425 $78,171
$0 $0 $0 $0 $0 $0 $0 $1,584,479 $79,224
$0 $0 $0 $0 $0 $0 $0 $1,605,444 $80,272
$0 $0 $0 $0 $0 $0 $0 $1,626,292 $81,315
$0 $0 $0 $0 $0 $0 $0 $1,636,096 $81,805
$0 $0 $0 $0 $0 $0 $0 $1,644,961 $82,248
$0 $0 $0 $0 $0 $0 $0 $1,652,810 $82,640
$0 $0 $0 $0 $0 $0 $0 $1,659,563 $82,978
$0 $0 $0 $0 $0 $0 $0 $1,665,136 $83,257
$0 $0 $0 $0 $0 $0 $0 $1,669,440 $83,472
$0 $0 $0 $0 $0 $0 $0 $1,672,380 $83,619
$0 $0 $0 $0 $0 $0 $0 $1,673,856 $83,693
$0 $0 $0 $0 $0 $0 $0 $1,673,763 $83,688
$0 $0 $0 $0 $0 $0 $0 $1,671,990 $83,600
$0 $0 $0 $0 $0 $0 $0 $1,668,419 $83,421
$0 $0 $0 $0 $0 $0 $0 $1,662,926 $83,146
$0 $0 $0 $0 $0 $0 $0 $1,655,381 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0

RMD Check 0
Roth Supplemental Cash Flow

Contrib/ Ord Div/LT Inflation Infl Disc.

Val_1 Flow
Withdraw Income gains Mult Factor
$25,100 $182,600 $0 $0 $0 1.00 1.00
$25,602 $217,332 $0 $0 $0 1.02 0.98
$26,114 $254,313 $0 $0 $0 1.04 0.96
$26,636 $293,665 $0 $0 $0 1.06 0.94
$27,169 $335,517 $0 $0 $0 1.08 0.92
$27,712 $380,005 $0 $0 $0 1.10 0.91
$28,267 $427,272 $0 $0 $0 1.13 0.89
$28,832 $477,468 $0 $0 $0 1.15 0.87
$29,409 $530,750 $0 $0 $0 1.17 0.85
$29,997 $587,284 $0 $0 $0 1.20 0.84
$30,597 $647,245 $0 $0 $0 1.22 0.82
$31,209 $710,816 $0 $0 $0 1.24 0.80
$31,833 $778,189 $0 $0 $0 1.27 0.79
($5,950) $811,149 $0 $0 $0 1.29 0.77
($6,554) $845,152 $0 $0 $0 1.32 0.76
($7,170) $880,241 $0 $0 $0 1.35 0.74
($7,797) $916,456 $0 $0 $0 1.37 0.73
($8,489) $953,790 $0 $0 $0 1.40 0.71
($9,142) $992,336 $0 $0 $0 1.43 0.70
($9,808) $1,032,145 $0 $0 $0 1.46 0.69
($10,486) $1,073,267 $0 $0 $0 1.49 0.67
($11,239) $1,115,691 $0 $0 $0 1.52 0.66
($11,945) $1,159,531 $0 $0 $0 1.55 0.65
($31,380) $1,186,127 $31,538 $26,807 $0 1.58 0.63
($32,008) $1,213,425 $32,169 $27,343 $0 1.61 0.62
($32,648) $1,241,448 $32,812 $27,890 $0 1.64 0.61
($33,301) $1,270,220 $33,468 $28,448 $0 1.67 0.60
($33,967) $1,299,764 $34,138 $29,017 $0 1.71 0.59
($34,646) $1,330,106 $34,820 $29,597 $0 1.74 0.57
($35,339) $1,361,271 $35,517 $30,189 $0 1.78 0.56
($36,046) $1,393,289 $36,227 $30,793 $0 1.81 0.55
($36,767) $1,426,186 $36,952 $31,409 $0 1.85 0.54
($37,502) $1,459,993 $37,691 $32,037 $0 1.88 0.53
($38,252) $1,494,741 $38,445 $32,678 $0 1.92 0.52
($39,017) $1,530,460 $39,214 $33,331 $0 1.96 0.51
($43,558) $1,563,425 $39,998 $33,998 $0 2.00 0.50
($57,117) $1,584,479 $40,798 $34,678 $0 2.04 0.49
($58,259) $1,605,444 $41,614 $35,372 $0 2.08 0.48
($59,424) $1,626,292 $42,446 $36,079 $0 2.12 0.47
($71,510) $1,636,096 $32,471 $27,600 $0 2.16 0.46
($72,940) $1,644,961 $33,121 $28,153 $0 2.21 0.45
($74,399) $1,652,810 $33,783 $28,716 $0 2.25 0.44
($75,887) $1,659,563 $34,459 $29,290 $0 2.30 0.44
($77,405) $1,665,136 $35,148 $29,876 $0 2.34 0.43
($78,953) $1,669,440 $35,851 $30,473 $0 2.39 0.42
($80,532) $1,672,380 $36,568 $31,083 $0 2.44 0.41
($82,143) $1,673,856 $37,299 $31,704 $0 2.49 0.40
($83,786) $1,673,763 $38,045 $32,338 $0 2.54 0.39
($85,461) $1,671,990 $38,806 $32,985 $0 2.59 0.39
($87,171) $1,668,419 $39,582 $33,645 $0 2.64 0.38
($88,914) $1,662,926 $40,374 $34,318 $0 2.69 0.37
($90,692) $1,655,381 $41,181 $35,004 $0 2.75 0.36
$0 $1,655,381 $0 $0 $0 2.80 0.36
$0 $0 $0 $0 $0 2.86 0.35
$0 $0 $0 $0 $0 2.91 0.34
$0 $0 $0 $0 $0 2.97 0.34
$0 $0 $0 $0 $0 3.03 0.33
$0 $0 $0 $0 $0 3.09 0.32
$0 $0 $0 $0 $0 3.15 0.32
$0 $0 $0 $0 $0 3.22 0.31
$0 $0 $0 $0 $0 3.28 0.30
$0 $0 $0 $0 $0 3.35 0.30
$0 $0 $0 $0 $0 3.41 0.29
$0 $0 $0 $0 $0 3.48 0.29
$0 $0 $0 $0 $0 3.55 0.28
$0 $0 $0 $0 $0 3.62 0.28
$0 $0 $0 $0 $0 3.69 0.27
$0 $0 $0 $0 $0 3.77 0.27
$0 $0 $0 $0 $0 3.84 0.26
$0 $0 $0 $0 $0 3.92 0.26
$0 $0 $0 $0 $0 4.00 0.25
$0 $0 $0 $0 $0 4.08 0.25
$0 $0 $0 $0 $0 4.16 0.24
$0 $0 $0 $0 $0 4.24 0.24
$0 $0 $0 $0 $0 4.33 0.23
$0 $0 $0 $0 $0 4.42 0.23
$0 $0 $0 $0 $0 4.50 0.22
$0 $0 $0 $0 $0 4.59 0.22
$0 $0 $0 $0 $0 4.69 0.21
$0 $0 $0 $0 $0 4.78 0.21

$140,016 $0 2.80

$140,016 $0 2.80
 Account M
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
23 25 27 29 31 33 35 37 39 41 43 45 4
20 20 20 20 20 20 20 20 20 20 20 20 20

Taxable1 Taxable2

Account Values (Nominal) Account

Taxable1 Taxable2 401k IRA Roth/HSA Total Taxable1 Taxable2

$600,000 $0 $450,000 $0 $150,000 $1,200,000 $600,000 $0

$582,000 $0 $447,400 $0 $182,600 $1,212,000 $570,588 $0
$562,140 $0 $444,168 $0 $217,332 $1,223,640 $540,311 $0
$540,308 $0 $440,262 $0 $254,313 $1,234,883 $509,144 $0
$516,385 $0 $435,639 $0 $293,665 $1,245,689 $477,060 $0
$490,248 $0 $430,252 $0 $335,517 $1,256,017 $444,032 $0
$461,764 $0 $424,052 $0 $380,005 $1,265,822 $410,033 $0
$430,797 $0 $416,988 $0 $427,272 $1,275,057 $375,034 $0
$397,200 $0 $409,006 $0 $477,468 $1,283,673 $339,006 $0
$360,820 $0 $400,047 $0 $530,750 $1,291,617 $301,918 $0
$321,496 $0 $390,053 $0 $587,284 $1,298,833 $263,739 $0
$279,060 $0 $378,959 $0 $647,245 $1,305,263 $224,437 $0
$233,331 $0 $366,698 $0 $710,816 $1,310,844 $183,980 $0
$184,121 $0 $353,200 $0 $778,189 $1,315,511 $142,332 $0
$169,483 $0 $338,391 $0 $811,149 $1,319,023 $128,447 $0
$154,113 $0 $322,191 $0 $845,152 $1,321,456 $114,508 $0
$137,974 $0 $304,519 $0 $880,241 $1,322,734 $100,506 $0
$121,028 $0 $285,288 $0 $916,456 $1,322,772 $86,433 $0
$103,235 $0 $264,407 $0 $953,790 $1,321,431 $72,281 $0
$84,552 $0 $241,778 $0 $992,336 $1,318,666 $58,039 $0
$64,935 $0 $217,301 $0 $1,032,145 $1,314,381 $43,699 $0
$44,337 $0 $190,869 $0 $1,073,267 $1,308,472 $29,252 $0
$22,709 $0 $162,369 $0 $1,115,691 $1,300,769 $14,689 $0
$0 $0 $131,684 $0 $1,159,531 $1,291,214 $0 $0
$0 $0 $125,495 $0 $1,186,127 $1,311,622 $0 $0
$0 $0 $118,741 $0 $1,213,425 $1,332,167 $0 $0
$0 $0 $111,390 $0 $1,241,448 $1,352,838 $0 $0
$0 $0 $103,404 $0 $1,270,220 $1,373,624 $0 $0
$0 $0 $94,749 $0 $1,299,764 $1,394,512 $0 $0
$0 $0 $85,384 $0 $1,330,106 $1,415,489 $0 $0
$0 $0 $75,269 $0 $1,361,271 $1,436,540 $0 $0
$0 $0 $64,360 $0 $1,393,289 $1,457,649 $0 $0
$0 $0 $52,613 $0 $1,426,186 $1,478,799 $0 $0
$0 $0 $39,979 $0 $1,459,993 $1,499,972 $0 $0
$0 $0 $26,407 $0 $1,494,741 $1,521,148 $0 $0
$0 $0 $11,846 $0 $1,530,460 $1,542,307 $0 $0
$0 $0 $0 $0 $1,563,425 $1,563,425 $0 $0
$0 $0 $0 $0 $1,584,479 $1,584,479 $0 $0
$0 $0 $0 $0 $1,605,444 $1,605,444 $0 $0
$0 $0 $0 $0 $1,626,292 $1,626,292 $0 $0
$0 $0 $0 $0 $1,636,096 $1,636,096 $0 $0
$0 $0 $0 $0 $1,644,961 $1,644,961 $0 $0
$0 $0 $0 $0 $1,652,810 $1,652,810 $0 $0
$0 $0 $0 $0 $1,659,563 $1,659,563 $0 $0
$0 $0 $0 $0 $1,665,136 $1,665,136 $0 $0
$0 $0 $0 $0 $1,669,440 $1,669,440 $0 $0
$0 $0 $0 $0 $1,672,380 $1,672,380 $0 $0
$0 $0 $0 $0 $1,673,856 $1,673,856 $0 $0
$0 $0 $0 $0 $1,673,763 $1,673,763 $0 $0
$0 $0 $0 $0 $1,671,990 $1,671,990 $0 $0
$0 $0 $0 $0 $1,668,419 $1,668,419 $0 $0
$0 $0 $0 $0 $1,662,926 $1,662,926 $0 $0
$0 $0 $0 $0 $1,655,381 $1,655,381 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
 Account Mix over time Cash Flow Target over/under
$0

$0

($0)
31 033 035 037 039 041 043 045 047 049 051 053 055 057 059 061 063 065 067 069 071 073 075 23 27 31 35 39 43 47 51 55 59 63 67 71 75 79 83 87
2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20

Taxable1 Taxable2 401k IRA Roth/HSA over/under

Account Values (Real) Account Values (Share)

401k IRA Roth/HSA Total Taxable1 Taxable2 401k IRA

$450,000 $0 $150,000 $1,200,000 2023 50% 0% 38% 0%

$438,627 $0 $179,020 $1,188,235 2024 48% 0% 37% 0%
$426,920 $0 $208,893 $1,176,125 2025 46% 0% 36% 0%
$414,869 $0 $239,644 $1,163,658 2026 44% 0% 36% 0%
$402,463 $0 $271,301 $1,150,824 2027 41% 0% 35% 0%
$389,693 $0 $303,888 $1,137,613 2028 39% 0% 34% 0%
$376,546 $0 $337,434 $1,124,013 2029 36% 0% 34% 0%
$363,013 $0 $371,966 $1,110,014 2030 34% 0% 33% 0%
$349,082 $0 $407,514 $1,095,602 2031 31% 0% 32% 0%
$334,742 $0 $444,108 $1,080,767 2032 28% 0% 31% 0%
$319,979 $0 $481,777 $1,065,496 2033 25% 0% 30% 0%
$304,783 $0 $520,555 $1,049,775 2034 21% 0% 29% 0%
$289,139 $0 $560,473 $1,033,592 2035 18% 0% 28% 0%
$273,035 $0 $601,566 $1,016,933 2036 14% 0% 27% 0%
$256,458 $0 $614,750 $999,654 2037 13% 0% 26% 0%
$239,393 $0 $627,961 $981,861 2038 12% 0% 24% 0%
$221,826 $0 $641,208 $963,540 2039 10% 0% 23% 0%
$203,742 $0 $654,498 $944,674 2040 9% 0% 22% 0%
$185,127 $0 $667,805 $925,212 2041 8% 0% 20% 0%
$165,964 $0 $681,170 $905,173 2042 6% 0% 18% 0%
$146,237 $0 $694,604 $884,541 2043 5% 0% 17% 0%
$125,931 $0 $708,115 $863,298 2044 3% 0% 15% 0%
$105,027 $0 $721,672 $841,388 2045 2% 0% 12% 0%
$83,508 $0 $735,323 $818,831 2046 0% 0% 10% 0%
$78,023 $0 $737,441 $815,463 2047 0% 0% 10% 0%
$72,377 $0 $739,620 $811,997 2048 0% 0% 9% 0%
$66,564 $0 $741,864 $808,428 2049 0% 0% 8% 0%
$60,581 $0 $744,174 $804,754 2050 0% 0% 8% 0%
$54,421 $0 $746,551 $800,972 2051 0% 0% 7% 0%
$48,081 $0 $748,999 $797,080 2052 0% 0% 6% 0%
$41,554 $0 $751,518 $793,072 2053 0% 0% 5% 0%
$34,835 $0 $754,112 $788,947 2054 0% 0% 4% 0%
$27,918 $0 $756,782 $784,700 2055 0% 0% 4% 0%
$20,798 $0 $759,530 $780,328 2056 0% 0% 3% 0%
$13,469 $0 $762,360 $775,828 2057 0% 0% 2% 0%
$5,924 $0 $765,272 $771,196 2058 0% 0% 1% 0%
$0 $0 $766,427 $766,427 2059 0% 0% 0% 0%
$0 $0 $761,518 $761,518 2060 0% 0% 0% 0%
$0 $0 $756,465 $756,465 2061 0% 0% 0% 0%
$0 $0 $751,263 $751,263 2062 0% 0% 0% 0%
$0 $0 $740,972 $740,972 2063 0% 0% 0% 0%
$0 $0 $730,379 $730,379 2064 0% 0% 0% 0%
$0 $0 $719,475 $719,475 2065 0% 0% 0% 0%
$0 $0 $708,250 $708,250 2066 0% 0% 0% 0%
$0 $0 $696,694 $696,694 2067 0% 0% 0% 0%
$0 $0 $684,799 $684,799 2068 0% 0% 0% 0%
$0 $0 $672,554 $672,554 2069 0% 0% 0% 0%
$0 $0 $659,949 $659,949 2070 0% 0% 0% 0%
$0 $0 $646,973 $646,973 2071 0% 0% 0% 0%
$0 $0 $633,615 $633,615 2072 0% 0% 0% 0%
$0 $0 $619,864 $619,864 2073 0% 0% 0% 0%
$0 $0 $605,709 $605,709 2074 0% 0% 0% 0%
$0 $0 $591,138 $591,138 2075 0% 0% 0% 0%
$0 $0 $0 $0 2076 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2077 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2078 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2079 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2080 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2081 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2082 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2083 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2084 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2085 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2086 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2087 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2088 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2089 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2090 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2091 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2092 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2093 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2094 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2095 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2096 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2097 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2098 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2099 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2100 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2101 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2102 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
t over/under

3 67 71 75 79 83 87 91 95 99
20 20 20 20 20 20 20 20 20

/under

) Cash Flow

Before
Roth/HSA Fed Tax State Tax Net Real Net % of NW
Tax
13% 2023 $48,000 $0 $0 $48,000 $48,000 4.00%
15% 2024 $48,960 $0 $0 $48,960 $48,000 4.04%
18% 2025 $49,939 $0 $0 $49,939 $48,000 4.08%
21% 2026 $50,938 $0 $0 $50,938 $48,000 4.12%
24% 2027 $51,957 $0 $0 $51,957 $48,000 4.17%
27% 2028 $52,996 $0 $0 $52,996 $48,000 4.22%
30% 2029 $54,056 $0 $0 $54,056 $48,000 4.27%
34% 2030 $55,137 $0 $0 $55,137 $48,000 4.32%
37% 2031 $56,240 $0 $0 $56,240 $48,000 4.38%
41% 2032 $57,364 $0 $0 $57,364 $48,000 4.44%
45% 2033 $58,512 $0 $0 $58,512 $48,000 4.50%
50% 2034 $59,682 $0 $0 $59,682 $48,000 4.57%
54% 2035 $60,876 $0 $0 $60,876 $48,000 4.64%
59% 2036 $62,264 $43 $128 $62,093 $48,000 4.72%
61% 2037 $63,518 $46 $137 $63,335 $48,000 4.80%
64% 2038 $64,795 $48 $145 $64,602 $48,000 4.89%
67% 2039 $66,098 $51 $153 $65,894 $48,000 4.98%
69% 2040 $67,480 $107 $161 $67,212 $48,000 5.08%
72% 2041 $68,836 $112 $168 $68,556 $48,000 5.19%
75% 2042 $70,219 $117 $175 $69,927 $48,000 5.30%
79% 2043 $71,628 $121 $181 $71,325 $48,000 5.43%
 82% 2044 $73,127 $187 $187 $72,752 $48,000 5.56%
86% 2045 $74,593 $193 $193 $74,207 $48,000 5.70%
90% 2046 $75,691 $0 $0 $75,691 $48,000 5.86%
90% 2047 $77,205 $0 $0 $77,205 $48,000 5.89%
91% 2048 $78,749 $0 $0 $78,749 $48,000 5.91%
92% 2049 $80,324 $0 $0 $80,324 $48,000 5.94%
92% 2050 $81,931 $0 $0 $81,931 $48,000 5.96%
93% 2051 $83,569 $0 $0 $83,569 $48,000 5.99%
94% 2052 $85,241 $0 $0 $85,241 $48,000 6.02%
95% 2053 $86,945 $0 $0 $86,945 $48,000 6.05%
96% 2054 $88,684 $0 $0 $88,684 $48,000 6.08%
96% 2055 $90,458 $0 $0 $90,458 $48,000 6.12%
97% 2056 $92,267 $0 $0 $92,267 $48,000 6.15%
98% 2057 $94,112 $0 $0 $94,112 $48,000 6.19%
99% 2058 $95,995 $0 $0 $95,995 $48,000 6.22%
100% 2059 $97,915 $0 $0 $97,915 $48,000 6.26%
100% 2060 $99,873 $0 $0 $99,873 $48,000 6.30%
100% 2061 $101,870 $0 $0 $101,870 $48,000 6.35%
100% 2062 $103,981 $61 $13 $103,908 $48,000 6.39%
100% 2063 $106,061 $62 $13 $105,986 $48,000 6.48%
100% 2064 $108,182 $63 $14 $108,106 $48,000 6.57%
100% 2065 $110,346 $64 $14 $110,268 $48,000 6.67%
100% 2066 $112,553 $66 $14 $112,473 $48,000 6.78%
100% 2067 $114,804 $67 $14 $114,723 $48,000 6.89%
100% 2068 $117,100 $68 $15 $117,017 $48,000 7.01%
100% 2069 $119,442 $70 $15 $119,357 $48,000 7.14%
100% 2070 $121,831 $71 $15 $121,744 $48,000 7.27%
100% 2071 $124,267 $72 $16 $124,179 $48,000 7.42%
100% 2072 $126,753 $74 $16 $126,663 $48,000 7.58%
100% 2073 $129,288 $75 $16 $129,196 $48,000 7.74%
100% 2074 $131,873 $77 $16 $131,780 $48,000 7.92%
100% 2075 $0 $10,042 $2,092 $0 $0 0.00%
#DIV/0! 2076 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2077 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2078 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2079 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2080 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2081 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2082 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2083 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2084 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2085 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2086 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2087 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2088 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2089 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2090 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2091 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2092 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2093 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2094 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2095 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2096 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2097 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2098 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2099 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2100 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2101 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2102 $0 #VALUE! $0 $0 $0 0.00%

$10,042 $2,092

$10,042 $2,092
 Loss weight
01-20 0.00 1
21-40 0.00 0
41-60 0.00 0
61-80 0.00 0

Loss
0.000376422812543

While alive

CF Needs over/under Tax-Free Ord Income Div/LT gains

$48,000 $0 $0 $25,100 $80,524

$48,960 ($0) $0 $25,602 $78,258
$49,939 $0 $0 $26,114 $75,758
$50,938 ($0) $0 $26,636 $72,984
$51,957 ($0) $0 $27,169 $69,891
$52,996 ($0) $0 $27,712 $66,420
$54,056 ($0) $0 $28,267 $43,807
$55,137 ($0) $0 $28,832 $21,540
$56,240 $0 $0 $29,409 $19,860
$57,364 $0 $0 $29,997 $18,041
$58,512 ($0) $0 $30,597 $16,075
$59,682 $0 $0 $31,209 $13,953
$60,876 $0 $0 $31,833 $11,667
$62,093 $0 $0 $32,470 $4,270
$63,335 $0 $0 $33,119 $4,564
$64,602 $0 $0 $33,781 $4,844
$65,894 $0 $0 $34,457 $5,111
$67,212 $0 $0 $35,146 $5,364
$68,556 $0 $0 $35,849 $5,604
$69,927 $0 $0 $36,566 $5,832
$71,325 $0 $0 $37,297 $6,047
 $72,752 $0 $0 $38,043 $6,249
$74,207 $0 $0 $38,804 $6,440
$75,691 $0 $0 $39,580 $0
$77,205 $0 $0 $40,372 $0
$78,749 $0 $0 $41,179 $0
$80,324 $0 $0 $42,003 $0
$81,931 $0 $0 $42,843 $0
$83,569 $0 $0 $43,700 $0
$85,241 $0 $0 $44,574 $0
$86,945 $0 $0 $45,465 $0
$88,684 $0 $0 $46,374 $0
$90,458 $0 $0 $47,302 $0
$92,267 $0 $0 $48,248 $0
$94,112 $0 $0 $49,213 $0
$95,995 $0 $0 $46,437 $0
$97,915 $0 $0 $34,678 $0
$99,873 $0 $0 $35,372 $0
$101,870 $0 $0 $36,079 $0
$103,908 $0 $0 $27,600 $0
$105,986 $0 $0 $28,153 $0
$108,106 $0 $0 $28,716 $0
$110,268 $0 $0 $29,290 $0
$112,473 $0 $0 $29,876 $0
$114,723 $0 $0 $30,473 $0
$117,017 $0 $0 $31,083 $0
$119,357 $0 $0 $31,704 $0
$121,744 $0 $0 $32,338 $0
$124,179 $0 $0 $32,985 $0
$126,663 $0 $0 $33,645 $0
$129,196 $0 $0 $34,318 $0
$131,780 $0 $0 $35,004 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
 For heirs For Tax Calc Fed Tax% - O

Div/LT
Ord Income Ord Income Div/LT gains Ord+Div+CG StdDed
gains 1 2
$0 $0 $25,100 $80,524 $105,624 $25,100 10% 12%
$0 $0 $25,602 $78,258 $103,860 $25,602 10% 12%
$0 $0 $26,114 $75,758 $101,872 $26,114 10% 12%
$0 $0 $26,636 $72,984 $99,621 $26,636 10% 12%
$0 $0 $27,169 $69,891 $97,060 $27,169 10% 12%
$0 $0 $27,712 $66,420 $94,132 $27,712 10% 12%
$0 $0 $28,267 $43,807 $72,074 $28,267 10% 12%
$0 $0 $28,832 $21,540 $50,372 $28,832 10% 12%
$0 $0 $29,409 $19,860 $49,269 $29,409 10% 12%
$0 $0 $29,997 $18,041 $48,038 $29,997 10% 12%
$0 $0 $30,597 $16,075 $46,672 $30,597 10% 12%
$0 $0 $31,209 $13,953 $45,162 $31,209 10% 12%
$0 $0 $31,833 $11,667 $43,499 $31,833 10% 12%
$0 $0 $32,470 $4,270 $36,739 $32,470 11% 13%
$0 $0 $33,119 $4,564 $37,683 $33,119 11% 13%
$0 $0 $33,781 $4,844 $38,625 $33,781 11% 13%
$0 $0 $34,457 $5,111 $39,568 $34,457 11% 13%
$0 $0 $35,146 $5,364 $40,510 $35,146 12% 14%
$0 $0 $35,849 $5,604 $41,453 $35,849 12% 14%
$0 $0 $36,566 $5,832 $42,398 $36,566 12% 14%
$0 $0 $37,297 $6,047 $43,344 $37,297 12% 14%
 $0 $0 $38,043 $6,249 $44,293 $38,043 13% 15%
$0 $0 $38,804 $6,440 $45,244 $38,804 13% 15%
$0 $0 $39,580 $0 $39,580 $39,580 13% 15%
$0 $0 $40,372 $0 $40,372 $40,372 13% 15%
$0 $0 $41,179 $0 $41,179 $41,179 14% 16%
$0 $0 $42,003 $0 $42,003 $42,003 14% 16%
$0 $0 $42,843 $0 $42,843 $42,843 14% 16%
$0 $0 $43,700 $0 $43,700 $43,700 14% 16%
$0 $0 $44,574 $0 $44,574 $44,574 14% 16%
$0 $0 $45,465 $0 $45,465 $45,465 14% 16%
$0 $0 $46,374 $0 $46,374 $46,374 14% 16%
$0 $0 $47,302 $0 $47,302 $47,302 14% 16%
$0 $0 $48,248 $0 $48,248 $48,248 14% 16%
$0 $0 $49,213 $0 $49,213 $49,213 14% 16%
$0 $0 $46,437 $0 $46,437 $50,197 14% 16%
$0 $0 $34,678 $0 $34,678 $51,201 14% 16%
$0 $0 $35,372 $0 $35,372 $52,225 14% 16%
$0 $0 $36,079 $0 $36,079 $53,270 14% 16%
$0 $0 $27,600 $0 $27,600 $27,168 14% 16%
$0 $0 $28,153 $0 $28,153 $27,711 14% 16%
$0 $0 $28,716 $0 $28,716 $28,265 14% 16%
$0 $0 $29,290 $0 $29,290 $28,830 14% 16%
$0 $0 $29,876 $0 $29,876 $29,407 14% 16%
$0 $0 $30,473 $0 $30,473 $29,995 14% 16%
$0 $0 $31,083 $0 $31,083 $30,595 14% 16%
$0 $0 $31,704 $0 $31,704 $31,207 14% 16%
$0 $0 $32,338 $0 $32,338 $31,831 14% 16%
$0 $0 $32,985 $0 $32,985 $32,468 14% 16%
$0 $0 $33,645 $0 $33,645 $33,117 14% 16%
$0 $0 $34,318 $0 $34,318 $33,779 14% 16%
$0 $0 $35,004 $0 $35,004 $34,455 14% 16%
$140,016 $0 $140,016 $0 $140,016 $70,288 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
 $0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%

$140,016 $0 $140,016 $0 $140,016 $70,288 14% 16%

$140,016 $0 $140,016 $0 $140,016 $70,288 14% 16%

Fed Tax% - Ordinary Fed Tax% Cap Gains/Dividends Tax kink poi

3 4 5 6 7 1 2 3 0 1
22% 24% 32% 35% 37% 0% 15% 20% 0 $19,900
22% 24% 32% 35% 37% 0% 15% 20% 0 $20,298
22% 24% 32% 35% 37% 0% 15% 20% 0 $20,704
22% 24% 32% 35% 37% 0% 15% 20% 0 $21,118
22% 24% 32% 35% 37% 0% 15% 20% 0 $21,540
25% 28% 33% 35% 40% 0% 15% 20% 0 $21,971
25% 28% 33% 35% 40% 0% 15% 20% 0 $22,411
25% 28% 33% 35% 40% 0% 15% 20% 0 $22,859
25% 28% 33% 35% 40% 0% 15% 20% 0 $23,316
26% 29% 34% 36% 41% 0% 16% 21% 0 $23,782
26% 29% 34% 36% 41% 0% 16% 21% 0 $24,258
26% 29% 34% 36% 41% 0% 16% 21% 0 $24,743
26% 29% 34% 36% 41% 0% 16% 21% 0 $25,238
27% 30% 35% 37% 42% 1% 17% 22% 0 $25,743
27% 30% 35% 37% 42% 1% 17% 22% 0 $26,258
27% 30% 35% 37% 42% 1% 17% 22% 0 $26,783
27% 30% 35% 37% 42% 1% 17% 22% 0 $27,318
28% 31% 36% 38% 43% 2% 18% 23% 0 $27,865
28% 31% 36% 38% 43% 2% 18% 23% 0 $28,422
28% 31% 36% 38% 43% 2% 18% 23% 0 $28,991
28% 31% 36% 38% 43% 2% 18% 23% 0 $29,570
29% 32% 37% 39% 44% 3% 19% 24% 0 $30,162
29% 32% 37% 39% 44% 3% 19% 24% 0 $30,765
29% 32% 37% 39% 44% 3% 19% 24% 0 $31,380
29% 32% 37% 39% 44% 3% 19% 24% 0 $32,008
30% 33% 38% 40% 45% 4% 20% 25% 0 $32,648
30% 33% 38% 40% 45% 4% 20% 25% 0 $33,301
30% 33% 38% 40% 45% 4% 20% 25% 0 $33,967
30% 33% 38% 40% 45% 4% 20% 25% 0 $34,646
30% 33% 38% 40% 45% 4% 20% 25% 0 $35,339
30% 33% 38% 40% 45% 4% 20% 25% 0 $36,046
30% 33% 38% 40% 45% 4% 20% 25% 0 $36,767
30% 33% 38% 40% 45% 4% 20% 25% 0 $37,502
30% 33% 38% 40% 45% 4% 20% 25% 0 $38,252
30% 33% 38% 40% 45% 4% 20% 25% 0 $39,017
30% 33% 38% 40% 45% 4% 20% 25% 0 $39,798
30% 33% 38% 40% 45% 4% 20% 25% 0 $40,594
30% 33% 38% 40% 45% 4% 20% 25% 0 $41,406
30% 33% 38% 40% 45% 4% 20% 25% 0 $42,234
30% 33% 38% 40% 45% 4% 20% 25% 0 $21,539
30% 33% 38% 40% 45% 4% 20% 25% 0 $21,970
30% 33% 38% 40% 45% 4% 20% 25% 0 $22,409
30% 33% 38% 40% 45% 4% 20% 25% 0 $22,858
30% 33% 38% 40% 45% 4% 20% 25% 0 $23,315
30% 33% 38% 40% 45% 4% 20% 25% 0 $23,781
30% 33% 38% 40% 45% 4% 20% 25% 0 $24,257
30% 33% 38% 40% 45% 4% 20% 25% 0 $24,742
30% 33% 38% 40% 45% 4% 20% 25% 0 $25,237
30% 33% 38% 40% 45% 4% 20% 25% 0 $25,741
30% 33% 38% 40% 45% 4% 20% 25% 0 $26,256
30% 33% 38% 40% 45% 4% 20% 25% 0 $26,781
30% 33% 38% 40% 45% 4% 20% 25% 0 $27,317
30% 33% 38% 40% 45% 4% 20% 25% 0 $55,727
30% 33% 38% 40% 45% 4% 20% 25% 0 $28,421
30% 33% 38% 40% 45% 4% 20% 25% 0 $28,989
30% 33% 38% 40% 45% 4% 20% 25% 0 $29,569
30% 33% 38% 40% 45% 4% 20% 25% 0 $30,160
30% 33% 38% 40% 45% 4% 20% 25% 0 $30,763
30% 33% 38% 40% 45% 4% 20% 25% 0 $31,379
30% 33% 38% 40% 45% 4% 20% 25% 0 $32,006
30% 33% 38% 40% 45% 4% 20% 25% 0 $32,646
30% 33% 38% 40% 45% 4% 20% 25% 0 $33,299
30% 33% 38% 40% 45% 4% 20% 25% 0 $33,965
30% 33% 38% 40% 45% 4% 20% 25% 0 $34,644
30% 33% 38% 40% 45% 4% 20% 25% 0 $35,337
30% 33% 38% 40% 45% 4% 20% 25% 0 $36,044
30% 33% 38% 40% 45% 4% 20% 25% 0 $36,765
30% 33% 38% 40% 45% 4% 20% 25% 0 $37,500
30% 33% 38% 40% 45% 4% 20% 25% 0 $38,250
30% 33% 38% 40% 45% 4% 20% 25% 0 $39,015
30% 33% 38% 40% 45% 4% 20% 25% 0 $39,796
30% 33% 38% 40% 45% 4% 20% 25% 0 $40,592
30% 33% 38% 40% 45% 4% 20% 25% 0 $41,403
30% 33% 38% 40% 45% 4% 20% 25% 0 $42,231
30% 33% 38% 40% 45% 4% 20% 25% 0 $43,076
30% 33% 38% 40% 45% 4% 20% 25% 0 $43,938
30% 33% 38% 40% 45% 4% 20% 25% 0 $44,816
30% 33% 38% 40% 45% 4% 20% 25% 0 $45,713
30% 33% 38% 40% 45% 4% 20% 25% 0 $46,627
30% 33% 38% 40% 45% 4% 20% 25% 0 $47,559

30% 33% 38% 40% 45% 4% 20% 25% 0 $55,727

30% 33% 38% 40% 45% 4% 20% 25% 0 $55,727

 Tax kink points - Cap
Tax kink points - Ordinary Gains/Dividends

2 3 4 5 6 0 1 2
$81,050 $172,750 $329,850 $418,850 $628,300 $0 $80,800 $445,850
$82,671 $176,205 $336,447 $427,227 $640,866 $0 $82,416 $454,767
$84,324 $179,729 $343,176 $435,772 $653,683 $0 $84,064 $463,862
$86,011 $183,324 $350,039 $444,487 $666,757 $0 $85,746 $473,140
$87,731 $186,990 $357,040 $453,377 $680,092 $0 $87,461 $482,602
$89,486 $190,730 $364,181 $462,444 $693,694 $0 $89,210 $492,254
$91,275 $194,545 $371,465 $471,693 $707,568 $0 $90,994 $502,100
$93,101 $198,435 $378,894 $481,127 $721,719 $0 $92,814 $512,142
$94,963 $202,404 $386,472 $490,750 $736,154 $0 $94,670 $522,384
$96,862 $206,452 $394,201 $500,565 $750,877 $0 $96,563 $532,832
$98,799 $210,581 $402,085 $510,576 $765,894 $0 $98,495 $543,489
$100,775 $214,793 $410,127 $520,787 $781,212 $0 $100,465 $554,358
$102,791 $219,089 $418,330 $531,203 $796,836 $0 $102,474 $565,446
$104,847 $223,471 $426,696 $541,827 $812,773 $0 $104,523 $576,755
$106,944 $227,940 $435,230 $552,664 $829,029 $0 $106,614 $588,290
$109,083 $232,499 $443,935 $563,717 $845,609 $0 $108,746 $600,055
$111,264 $237,149 $452,813 $574,991 $862,521 $0 $110,921 $612,057
$113,490 $241,892 $461,870 $586,491 $879,772 $0 $113,140 $624,298
$115,759 $246,730 $471,107 $598,221 $897,367 $0 $115,402 $636,784
$118,075 $251,664 $480,529 $610,185 $915,314 $0 $117,710 $649,519
$120,436 $256,697 $490,140 $622,389 $933,621 $0 $120,065 $662,510
$122,845 $261,831 $499,943 $634,837 $952,293 $0 $122,466 $675,760
$125,302 $267,068 $509,941 $647,534 $971,339 $0 $124,915 $689,275
$127,808 $272,409 $520,140 $660,484 $990,766 $0 $127,413 $703,061
$130,364 $277,858 $530,543 $673,694 $1,010,581 $0 $129,962 $717,122
$132,971 $283,415 $541,154 $687,168 $1,030,793 $0 $132,561 $731,464
$135,631 $289,083 $551,977 $700,911 $1,051,409 $0 $135,212 $746,093
$138,343 $294,865 $563,017 $714,929 $1,072,437 $0 $137,916 $761,015
$141,110 $300,762 $574,277 $729,228 $1,093,886 $0 $140,675 $776,236
$143,932 $306,777 $585,762 $743,813 $1,115,763 $0 $143,488 $791,760
$146,811 $312,913 $597,478 $758,689 $1,138,078 $0 $146,358 $807,596
$149,747 $319,171 $609,427 $773,863 $1,160,840 $0 $149,285 $823,747
$152,742 $325,554 $621,616 $789,340 $1,184,057 $0 $152,271 $840,222
$155,797 $332,065 $634,048 $805,127 $1,207,738 $0 $155,316 $857,027
$158,913 $338,707 $646,729 $821,229 $1,231,893 $0 $158,423 $874,167
$162,091 $345,481 $659,664 $837,654 $1,256,531 $0 $161,591 $891,651
$165,333 $352,391 $672,857 $854,407 $1,281,661 $0 $164,823 $909,484
$168,640 $359,438 $686,314 $871,495 $1,307,294 $0 $168,119 $927,673
$172,012 $366,627 $700,040 $888,925 $1,333,440 $0 $171,482 $946,227
$87,726 $186,980 $357,021 $453,352 $1,133,460 $0 $87,456 $965,151
$89,481 $190,719 $364,161 $462,419 $1,156,130 $0 $89,205 $984,454
$91,270 $194,534 $371,444 $471,667 $1,179,252 $0 $90,989 $1,004,144
$93,096 $198,424 $378,873 $481,100 $1,202,837 $0 $92,809 $1,024,226
$94,958 $202,393 $386,451 $490,722 $1,226,894 $0 $94,665 $1,044,711
$96,857 $206,441 $394,180 $500,537 $1,251,432 $0 $96,558 $1,065,605
$98,794 $210,570 $402,063 $510,548 $1,276,460 $0 $98,489 $1,086,917
$100,770 $214,781 $410,104 $520,759 $1,301,990 $0 $100,459 $1,108,656
$102,785 $219,077 $418,306 $531,174 $1,328,029 $0 $102,468 $1,130,829
$104,841 $223,458 $426,673 $541,797 $1,354,590 $0 $104,518 $1,153,445
$106,938 $227,927 $435,206 $552,633 $1,381,682 $0 $106,608 $1,176,514
$109,077 $232,486 $443,910 $563,686 $1,409,315 $0 $108,740 $1,200,045
$111,258 $237,136 $452,788 $574,960 $1,437,502 $0 $110,915 $1,224,045
$226,967 $483,757 $923,688 $1,172,917 $1,759,446 $0 $226,267 $1,248,526
$115,753 $246,716 $471,081 $598,188 $1,495,577 $0 $115,396 $1,273,497
$118,068 $251,650 $480,503 $610,152 $1,525,488 $0 $117,704 $1,298,967
$120,429 $256,683 $490,113 $622,355 $1,555,998 $0 $120,058 $1,324,946
$122,838 $261,817 $499,915 $634,802 $1,587,118 $0 $122,459 $1,351,445
$125,295 $267,053 $509,913 $647,498 $1,618,861 $0 $124,908 $1,378,474
$127,801 $272,394 $520,111 $660,448 $1,651,238 $0 $127,406 $1,406,043
$130,357 $277,842 $530,514 $673,657 $1,684,262 $0 $129,955 $1,434,164
$132,964 $283,399 $541,124 $687,130 $1,717,948 $0 $132,554 $1,462,848
$135,623 $289,067 $551,946 $700,872 $1,752,307 $0 $135,205 $1,492,105
$138,336 $294,848 $562,985 $714,890 $1,787,353 $0 $137,909 $1,521,947
$141,102 $300,745 $574,245 $729,188 $1,823,100 $0 $140,667 $1,552,386
$143,924 $306,760 $585,730 $743,771 $1,859,562 $0 $143,480 $1,583,433
$146,803 $312,895 $597,445 $758,647 $1,896,753 $0 $146,350 $1,615,102
$149,739 $319,153 $609,394 $773,820 $1,934,688 $0 $149,277 $1,647,404
$152,734 $325,536 $621,581 $789,296 $1,973,382 $0 $152,262 $1,680,352
$155,788 $332,047 $634,013 $805,082 $2,012,850 $0 $155,308 $1,713,959
$158,904 $338,688 $646,693 $821,184 $2,053,107 $0 $158,414 $1,748,238
$162,082 $345,462 $659,627 $837,607 $2,094,169 $0 $161,582 $1,783,203
$165,324 $352,371 $672,820 $854,360 $2,136,052 $0 $164,814 $1,818,867
$168,630 $359,418 $686,276 $871,447 $2,178,773 $0 $168,110 $1,855,244
$172,003 $366,607 $700,002 $888,876 $2,222,349 $0 $171,472 $1,892,349
$175,443 $373,939 $714,002 $906,653 $2,266,796 $0 $174,902 $1,930,196
$178,952 $381,418 $728,282 $924,786 $2,312,131 $0 $178,400 $1,968,800
$182,531 $389,046 $742,847 $943,282 $2,358,374 $0 $181,968 $2,008,176
$186,181 $396,827 $757,704 $962,148 $2,405,542 $0 $185,607 $2,048,340
$189,905 $404,764 $772,858 $981,391 $2,453,652 $0 $189,319 $2,089,307
$193,703 $412,859 $788,315 $1,001,018 $2,502,725 $0 $193,106 $2,131,093

$226,967 $483,757 $923,688 $1,172,917 $1,759,446 $0 $226,267 $1,248,526

$226,967 $483,757 $923,688 $1,172,917 $1,759,446 $0 $226,267 $1,248,526

 Intercepts - Federal Ordinary Intercepts - Federal CapGains

0 1 2 3 4 5 6 0 1 2
$0 $1,990 $9,328 $29,502 $67,206 $95,686 $168,994 $0 $0 $54,758
$0 $2,030 $9,515 $30,092 $68,550 $97,600 $172,373 $0 $0 $55,853
$0 $2,070 $9,705 $30,694 $69,921 $99,552 $175,821 $0 $0 $56,970
$0 $2,112 $9,899 $31,308 $71,320 $101,543 $179,337 $0 $0 $58,109
$0 $2,154 $10,097 $31,934 $72,746 $103,574 $182,924 $0 $0 $59,271
$0 $2,197 $10,299 $35,610 $84,176 $116,603 $197,540 $0 $0 $60,457
$0 $2,241 $10,505 $36,322 $85,860 $118,935 $201,491 $0 $0 $61,666
$0 $2,286 $10,715 $37,049 $87,577 $121,314 $205,521 $0 $0 $62,899
$0 $2,332 $10,929 $37,790 $89,328 $123,740 $209,632 $0 $0 $64,157
$0 $2,378 $11,148 $39,641 $94,088 $130,252 $220,364 $0 $0 $69,803
$0 $2,426 $11,371 $40,434 $95,970 $132,857 $224,772 $0 $0 $71,199
$0 $2,474 $11,598 $41,243 $97,890 $135,514 $229,267 $0 $0 $72,623
$0 $2,524 $11,830 $42,068 $99,847 $138,224 $233,852 $0 $0 $74,075
$0 $2,832 $13,115 $45,144 $106,111 $146,407 $246,657 $0 $1,045 $80,279
$0 $2,888 $13,378 $46,047 $108,234 $149,335 $251,590 $0 $1,066 $81,885
$0 $2,946 $13,645 $46,967 $110,398 $152,322 $256,622 $0 $1,087 $83,523
$0 $3,005 $13,918 $47,907 $112,606 $155,368 $261,755 $0 $1,109 $85,193
$0 $3,344 $15,331 $51,284 $119,477 $164,341 $275,787 $0 $2,263 $92,008
$0 $3,411 $15,638 $52,310 $121,867 $167,628 $281,303 $0 $2,308 $93,849
$0 $3,479 $15,951 $53,356 $124,304 $170,980 $286,929 $0 $2,354 $95,726
$0 $3,548 $16,270 $54,423 $126,790 $174,400 $292,668 $0 $2,401 $97,640
$0 $3,921 $17,823 $58,130 $134,325 $184,236 $308,044 $0 $3,674 $105,126
$0 $3,999 $18,180 $59,292 $137,012 $187,921 $314,205 $0 $3,747 $107,228
$0 $4,079 $18,544 $60,478 $139,752 $191,679 $320,489 $0 $3,822 $109,373
$0 $4,161 $18,914 $61,688 $142,547 $195,513 $326,899 $0 $3,899 $111,560
$0 $4,571 $20,622 $65,755 $150,809 $206,295 $343,745 $0 $5,302 $119,781
$0 $4,662 $21,035 $67,071 $153,826 $210,421 $350,620 $0 $5,408 $122,176
$0 $4,755 $21,456 $68,412 $156,902 $214,629 $357,632 $0 $5,517 $124,620
$0 $4,850 $21,885 $69,780 $160,040 $218,922 $364,785 $0 $5,627 $127,112
$0 $4,948 $22,322 $71,176 $163,241 $223,300 $372,080 $0 $5,740 $129,654
$0 $5,046 $22,769 $72,599 $166,506 $227,766 $379,522 $0 $5,854 $132,248
$0 $5,147 $23,224 $74,051 $169,836 $232,321 $387,112 $0 $5,971 $134,892
$0 $5,250 $23,689 $75,532 $173,233 $236,968 $394,855 $0 $6,091 $137,590
$0 $5,355 $24,162 $77,043 $176,697 $241,707 $402,752 $0 $6,213 $140,342
$0 $5,462 $24,646 $78,584 $180,231 $246,541 $410,807 $0 $6,337 $143,149
$0 $5,572 $25,139 $80,156 $183,836 $251,472 $419,023 $0 $6,464 $146,012
$0 $5,683 $25,641 $81,759 $187,513 $256,502 $427,403 $0 $6,593 $148,932
$0 $5,797 $26,154 $83,394 $191,263 $261,632 $435,951 $0 $6,725 $151,911
$0 $5,913 $26,677 $85,062 $195,088 $266,864 $444,670 $0 $6,859 $154,949
$0 $3,015 $13,605 $43,381 $99,495 $136,101 $408,144 $0 $3,498 $175,539
$0 $3,076 $13,878 $44,249 $101,485 $138,823 $416,307 $0 $3,568 $179,050
$0 $3,137 $14,155 $45,134 $103,515 $141,599 $424,633 $0 $3,640 $182,631
$0 $3,200 $14,438 $46,037 $105,585 $144,431 $433,126 $0 $3,712 $186,284
$0 $3,264 $14,727 $46,958 $107,696 $147,320 $441,788 $0 $3,787 $190,009
$0 $3,329 $15,021 $47,897 $109,850 $150,266 $450,624 $0 $3,862 $193,809
$0 $3,396 $15,322 $48,855 $112,047 $153,272 $459,637 $0 $3,940 $197,686
$0 $3,464 $15,628 $49,832 $114,288 $156,337 $468,829 $0 $4,018 $201,639
$0 $3,533 $15,941 $50,828 $116,574 $159,464 $478,206 $0 $4,099 $205,672
$0 $3,604 $16,260 $51,845 $118,906 $162,653 $487,770 $0 $4,181 $209,786
$0 $3,676 $16,585 $52,882 $121,284 $165,906 $497,526 $0 $4,264 $213,981
$0 $3,749 $16,917 $53,939 $123,709 $169,224 $507,476 $0 $4,350 $218,261
$0 $3,824 $17,255 $55,018 $126,184 $172,609 $517,626 $0 $4,437 $222,626
$0 $7,802 $35,200 $112,237 $257,415 $352,122 $586,733 $0 $9,051 $204,452
$0 $3,979 $17,952 $57,241 $131,281 $179,582 $538,538 $0 $4,616 $231,620
$0 $4,058 $18,311 $58,386 $133,907 $183,174 $549,308 $0 $4,708 $236,253
$0 $4,140 $18,677 $59,553 $136,585 $186,837 $560,295 $0 $4,802 $240,978
$0 $4,222 $19,051 $60,745 $139,317 $190,574 $571,500 $0 $4,898 $245,797
$0 $4,307 $19,432 $61,959 $142,103 $194,385 $582,930 $0 $4,996 $250,713
$0 $4,393 $19,821 $63,199 $144,945 $198,273 $594,589 $0 $5,096 $255,727
$0 $4,481 $20,217 $64,463 $147,844 $202,239 $606,481 $0 $5,198 $260,842
$0 $4,570 $20,621 $65,752 $150,801 $206,283 $618,610 $0 $5,302 $266,059
$0 $4,662 $21,034 $67,067 $153,817 $210,409 $630,983 $0 $5,408 $271,380
$0 $4,755 $21,454 $68,408 $156,893 $214,617 $643,602 $0 $5,516 $276,808
$0 $4,850 $21,883 $69,776 $160,031 $218,910 $656,474 $0 $5,627 $282,344
$0 $4,947 $22,321 $71,172 $163,232 $223,288 $669,604 $0 $5,739 $287,991
$0 $5,046 $22,768 $72,595 $166,497 $227,753 $682,996 $0 $5,854 $293,750
$0 $5,147 $23,223 $74,047 $169,827 $232,309 $696,656 $0 $5,971 $299,625
$0 $5,250 $23,687 $75,528 $173,223 $236,955 $710,589 $0 $6,090 $305,618
$0 $5,355 $24,161 $77,039 $176,688 $241,694 $724,801 $0 $6,212 $311,730
$0 $5,462 $24,644 $78,580 $180,221 $246,528 $739,297 $0 $6,337 $317,965
$0 $5,571 $25,137 $80,151 $183,826 $251,458 $754,083 $0 $6,463 $324,324
$0 $5,683 $25,640 $81,754 $187,502 $256,487 $769,164 $0 $6,593 $330,811
$0 $5,796 $26,153 $83,389 $191,252 $261,617 $784,548 $0 $6,724 $337,427
$0 $5,912 $26,676 $85,057 $195,077 $266,849 $800,239 $0 $6,859 $344,175
$0 $6,031 $27,209 $86,758 $198,979 $272,186 $816,243 $0 $6,996 $351,059
$0 $6,151 $27,754 $88,493 $202,958 $277,630 $832,568 $0 $7,136 $358,080
$0 $6,274 $28,309 $90,263 $207,018 $283,183 $849,220 $0 $7,279 $365,242
$0 $6,400 $28,875 $92,068 $211,158 $288,846 $866,204 $0 $7,424 $372,547
$0 $6,528 $29,452 $93,910 $215,381 $294,623 $883,528 $0 $7,573 $379,997
$0 $6,658 $30,041 $95,788 $219,689 $300,516 $901,199 $0 $7,724 $387,597

$0 $7,802 $35,200 $112,237 $257,415 $352,122 $586,733 $0 $9,051 $204,452

$0 $7,802 $35,200 $112,237 $257,415 $352,122 $586,733 $0 $9,051 $204,452

Income minus Deduction Tax bracket Tax Formula

1) 2) 3) 1) 2) 3)
OrdInc-Ded TotalInc-Dec
Ord/Ord Tot/Cap Ord/Cap Ord/Ord Tot/Cap Ord/Cap
$0 $80,524 1 1 1 $0 $0 $0
$0 $78,258 1 1 1 $0 $0 $0
$0 $75,758 1 1 1 $0 $0 $0
$0 $72,984 1 1 1 $0 $0 $0
$0 $69,891 1 1 1 $0 $0 $0
$0 $66,420 1 1 1 $0 $0 $0
$0 $43,807 1 1 1 $0 $0 $0
$0 $21,540 1 1 1 $0 $0 $0
$0 $19,860 1 1 1 $0 $0 $0
$0 $18,041 1 1 1 $0 $0 $0
$0 $16,075 1 1 1 $0 $0 $0
$0 $13,953 1 1 1 $0 $0 $0
$0 $11,667 1 1 1 $0 $0 $0
$0 $4,270 1 1 1 $0 $43 $0
$0 $4,564 1 1 1 $0 $46 $0
$0 $4,844 1 1 1 $0 $48 $0
$0 $5,111 1 1 1 $0 $51 $0
$0 $5,364 1 1 1 $0 $107 $0
$0 $5,604 1 1 1 $0 $112 $0
$0 $5,832 1 1 1 $0 $117 $0
$0 $6,047 1 1 1 $0 $121 $0
 $0 $6,249 1 1 1 $0 $187 $0
$0 $6,440 1 1 1 $0 $193 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$433 $433 1 1 1 $61 $17 $17
$442 $442 1 1 1 $62 $18 $18
$450 $450 1 1 1 $63 $18 $18
$459 $459 1 1 1 $64 $18 $18
$469 $469 1 1 1 $66 $19 $19
$478 $478 1 1 1 $67 $19 $19
$488 $488 1 1 1 $68 $20 $20
$497 $497 1 1 1 $70 $20 $20
$507 $507 1 1 1 $71 $20 $20
$517 $517 1 1 1 $72 $21 $21
$528 $528 1 1 1 $74 $21 $21
$538 $538 1 1 1 $75 $22 $22
$549 $549 1 1 1 $77 $22 $22
$69,728 $69,728 2 1 1 $10,042 $2,789 $2,789
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

$69,728 $69,728 2 1 1 $10,042 $2,789 $2,789

$69,728 $69,728 2 1 1 $10,042 $2,789 $2,789

 Marg Tax
Rates
Tax =(1) Fed Ord Fed Ord Inc CapGains
1 2 3 State
1+(2) -(3) Income CapGains Combined Combined
$0 0% 0% 0% 0% 0% 0% 2023 0% 0%
$0 0% 0% 0% 0% 0% 0% 2024 0% 0%
$0 0% 0% 0% 0% 0% 0% 2025 0% 0%
$0 0% 0% 0% 0% 0% 0% 2026 0% 0%
$0 0% 0% 0% 0% 0% 0% 2027 0% 0%
$0 0% 0% 0% 0% 0% 0% 2028 0% 0%
$0 0% 0% 0% 0% 0% 0% 2029 0% 0%
$0 0% 0% 0% 0% 0% 0% 2030 0% 0%
$0 0% 0% 0% 0% 0% 0% 2031 0% 0%
$0 0% 0% 0% 0% 0% 0% 2032 0% 0%
$0 0% 0% 0% 0% 0% 0% 2033 0% 0%
$0 0% 0% 0% 0% 0% 0% 2034 0% 0%
$0 0% 0% 0% 0% 0% 0% 2035 0% 0%
$43 0% 1% 0% 1% 1% 3% 2036 4% 4%
$46 0% 1% 0% 1% 1% 3% 2037 4% 4%
$48 0% 1% 0% 1% 1% 3% 2038 4% 4%
$51 0% 1% 0% 1% 1% 3% 2039 4% 4%
$107 0% 2% 0% 2% 2% 3% 2040 5% 5%
$112 0% 2% 0% 2% 2% 3% 2041 5% 5%
$117 0% 2% 0% 2% 2% 3% 2042 5% 5%
$121 0% 2% 0% 2% 2% 3% 2043 5% 5%
 $187 0% 3% 0% 3% 3% 3% 2044 6% 6%
$193 0% 3% 0% 3% 3% 3% 2045 6% 6%
$0 0% 0% 0% 0% 0% 3% 2046 3% 3%
$0 0% 0% 0% 0% 0% 3% 2047 3% 3%
$0 0% 0% 0% 0% 0% 3% 2048 3% 3%
$0 0% 0% 0% 0% 0% 3% 2049 3% 3%
$0 0% 0% 0% 0% 0% 3% 2050 3% 3%
$0 0% 0% 0% 0% 0% 3% 2051 3% 3%
$0 0% 0% 0% 0% 0% 3% 2052 3% 3%
$0 0% 0% 0% 0% 0% 3% 2053 3% 3%
$0 0% 0% 0% 0% 0% 3% 2054 3% 3%
$0 0% 0% 0% 0% 0% 3% 2055 3% 3%
$0 0% 0% 0% 0% 0% 3% 2056 3% 3%
$0 0% 0% 0% 0% 0% 3% 2057 3% 3%
$0 0% 0% 0% 0% 0% 3% 2058 3% 3%
$0 0% 0% 0% 0% 0% 3% 2059 3% 3%
$0 0% 0% 0% 0% 0% 3% 2060 3% 3%
$0 0% 0% 0% 0% 0% 3% 2061 3% 3%
$61 14% 4% 4% 14% 4% 3% 2062 17% 7%
$62 14% 4% 4% 14% 4% 3% 2063 17% 7%
$63 14% 4% 4% 14% 4% 3% 2064 17% 7%
$64 14% 4% 4% 14% 4% 3% 2065 17% 7%
$66 14% 4% 4% 14% 4% 3% 2066 17% 7%
$67 14% 4% 4% 14% 4% 3% 2067 17% 7%
$68 14% 4% 4% 14% 4% 3% 2068 17% 7%
$70 14% 4% 4% 14% 4% 3% 2069 17% 7%
$71 14% 4% 4% 14% 4% 3% 2070 17% 7%
$72 14% 4% 4% 14% 4% 3% 2071 17% 7%
$74 14% 4% 4% 14% 4% 3% 2072 17% 7%
$75 14% 4% 4% 14% 4% 3% 2073 17% 7%
$77 14% 4% 4% 14% 4% 3% 2074 17% 7%
$10,042 16% 4% 4% 16% 4% 3% 2075 19% 7%
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2076 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2077 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2078 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2079 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2080 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2081 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2082 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2083 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2084 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2085 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2086 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2087 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2088 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2089 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2090 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2091 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2092 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2093 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2094 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2095 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2096 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2097 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2098 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2099 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2100 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2101 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2102 #VALUE! #VALUE!

$10,042 16% 4% 4% 16% 4% 3%

$10,042 16% 4% 4% 16% 4% 3%

 State Tax
Space Left
Rate
0% Cap
Fed Std Fed 10% Fed 12%
Gains StdDed
Ded br Ord br Ord 1 2
bracket
$0 $19,900 $61,150 $276 ($0.0) $275.73 25100 0% 0%
$0 $20,298 $62,373 $4,158 ($0.0) $4,157.64 25602 0% 0%
$0 $20,704 $63,620 $8,307 ($0.0) $8,306.69 26114.04 0% 0%
$0 $21,118 $64,893 $12,761 ($0.0) $12,761.38 26636.32 0% 0%
$0 $21,540 $66,191 $17,569 ($0.0) $17,569.27 27169.05 0% 0%
$0 $21,971 $67,515 $22,790 ($0.0) $22,790.13 27712.43 0% 0%
$0 $22,411 $68,865 $47,187 ($0.0) $47,187.01 28266.68 0% 0%
$0 $22,859 $70,242 $71,274 ($0.0) $71,273.97 28832.01 0% 0%
$0 $23,316 $71,647 $74,810 ($0.0) $74,810.10 29408.65 0% 0%
$0 $23,782 $73,080 $78,522 ($0.0) $78,522.48 29996.82 0% 0%
$0 $24,258 $74,542 $82,420 ($0.0) 30596.76 0% 0%
$0 $24,743 $76,032 $86,512 ($0.0) 31208.7 0% 0%
$0 $25,238 $77,553 $90,807 ($0.0) 31832.87 0% 0%
$0 $25,743 $79,104 $100,254 ($0.0) ($0.00) 32469.53 3% 3%
$0 $26,258 $80,686 $102,050 ($0.0) ($0.00) 33118.92 3% 3%
$0 $26,783 $82,300 $103,902 ($0.0) ($0.00) 33781.3 3% 3%
$0 $27,318 $83,946 $105,810 ($0.0) ($0.00) 34456.92 3% 3%
$0 $27,865 $85,625 $107,775 ($0.0) ($0.00) 35146.06 3% 3%
$0 $28,422 $87,337 $109,798 ($0.0) ($0.00) 35848.98 3% 3%
$0 $28,991 $89,084 $111,879 ($0.0) ($0.00) 36565.96 3% 3%
$0 $29,570 $90,866 $114,018 ($0.0) ($0.00) 37297.28 3% 3%
 $0 $30,162 $92,683 $116,217 ($0.0) ($0.00) 38043.23 3% 3%
$0 $30,765 $94,537 $118,475 ($0.0) ($0.00) 38804.09 3% 3%
$0 $31,380 $96,427 $127,413 ($0.0) ($0.00) 39580.17 3% 3%
$0 $32,008 $98,356 $129,962 ($0.0) ($0.00) 40371.77 3% 3%
$0 $32,648 $100,323 $132,561 ($0.0) ($0.00) 41179.21 3% 3%
$0 $33,301 $102,330 $135,212 ($0.0) ($0.00) 42002.79 3% 3%
$0 $33,967 $104,376 $137,916 ($0.0) ($0.00) 42842.85 3% 3%
$0 $34,646 $106,464 $140,675 ($0.0) $0.00 43699.71 3% 3%
$0 $35,339 $108,593 $143,488 ($0.0) ($0.00) 44573.7 3% 3%
$0 $36,046 $110,765 $146,358 ($0.0) ($0.00) 45465.18 3% 3%
$0 $36,767 $112,980 $149,285 ($0.0) ($0.00) 46374.48 3% 3%
$0 $37,502 $115,240 $152,271 ($0.0) ($0.00) 47301.97 3% 3%
$0 $38,252 $117,544 $155,316 ($0.0) ($0.00) 48248.01 3% 3%
$0 $39,017 $119,895 $158,423 ($0.0) ($0.00) 49212.97 3% 3%
$3,760 $39,798 $122,293 $161,591 ($3,760.4) ($3,760.41) 50197.23 3% 3%
$16,523 $40,594 $124,739 $164,823 ($16,523.1) ($16,523.08) 51201.17 3% 3%
$16,854 $41,406 $127,234 $168,119 ($16,853.5) ($16,853.54) 52225.2 3% 3%
$17,191 $42,234 $129,779 $171,482 ($17,190.6) ($17,190.61) 53269.7 3% 3%
$0 $21,106 $66,187 $87,023 $0.01 27167.55 3% 3%
$0 $21,528 $67,511 $88,763 $0.01 27710.9 3% 3%
$0 $21,959 $68,861 $90,538 $0.01 28265.12 3% 3%
$0 $22,398 $70,238 $92,349 $0.01 28830.42 3% 3%
$0 $22,846 $71,643 $94,196 $0.01 29407.03 3% 3%
$0 $23,303 $73,076 $96,080 $0.01 29995.17 3% 3%
$0 $23,769 $74,537 $98,002 $0.01 30595.07 3% 3%
$0 $24,244 $76,028 $99,962 $0.01 31206.97 3% 3%
$0 $24,729 $77,549 $101,961 $0.01 31831.11 3% 3%
$0 $25,224 $79,100 $104,000 $0.01 32467.73 3% 3%
$0 $25,728 $80,682 $106,080 $0.01 33117.09 3% 3%
$0 $26,243 $82,295 $108,202 $0.01 33779.43 3% 3%
$0 $26,768 $83,941 $110,366 $0.01 34455.02 3% 3%
$0 $0 $157,238 $156,538 70288.24 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 35847 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 36563.94 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 37295.22 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 38041.12 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 38801.95 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 39577.99 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 40369.55 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 41176.94 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 42000.48 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 42840.48 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 43697.29 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 44571.24 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 45462.67 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 46371.92 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 47299.36 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 48245.34 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 49210.25 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 50194.46 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 51198.34 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 52222.31 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 53266.76 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 54332.09 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 55418.73 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 56527.11 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 57657.65 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 58810.8 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 59987.02 3% 3%

70288.24 3% 3%

70288.24 3% 3%
 Rates Kink Points
0
3 4 5 6 1 2 3 4 5
0% 0% 0% 0% 0 20000 50000 100000 150000 200000
0% 0% 0% 0% 0 20400 51000 102000 153000 204000
0% 0% 0% 0% 0 20808 52020 104040 156060 208080
0% 0% 0% 0% 0 21224.16 53060.4 106120.8 159181.2 212241.6
0% 0% 0% 0% 0 21648.64 54121.61 108243.2 162364.8 216486.4
0% 0% 0% 0% 0 22081.62 55204.04 110408.1 165612.1 220816.2
0% 0% 0% 0% 0 22523.25 56308.12 112616.2 168924.4 225232.5
0% 0% 0% 0% 0 22973.71 57434.28 114868.6 172302.9 229737.1
0% 0% 0% 0% 0 23433.19 58582.97 117165.9 175748.9 234331.9
3% 3% 3% 3% 0 23901.85 59754.63 119509.3 179263.9 239018.5
3% 3% 3% 3% 0 24379.89 60949.72 121899.4 182849.2 243798.9
3% 3% 3% 3% 0 24867.49 62168.72 124337.4 186506.1 248674.9
3% 3% 3% 3% 0 25364.84 63412.09 126824.2 190236.3 253648.4
6% 6% 6% 6% 0 25872.13 64680.33 129360.7 194041 258721.3
6% 6% 6% 6% 0 26389.58 65973.94 131947.9 197921.8 263895.8
6% 6% 6% 6% 0 26917.37 67293.42 134586.8 201880.3 269173.7
6% 6% 6% 6% 0 27455.71 68639.29 137278.6 205917.9 274557.1
6% 6% 6% 6% 0 28004.83 70012.07 140024.1 210036.2 280048.3
6% 6% 6% 6% 0 28564.92 71412.31 142824.6 214236.9 285649.2
6% 6% 6% 6% 0 29136.22 72840.56 145681.1 218521.7 291362.2
6% 6% 6% 6% 0 29718.95 74297.37 148594.7 222892.1 297189.5
6% 6% 6% 6% 0 30313.33 75783.32 151566.6 227350 303133.3
6% 6% 6% 6% 0 30919.59 77298.98 154598 231897 309195.9
6% 6% 6% 6% 0 31537.99 78844.96 157689.9 236534.9 315379.9
6% 6% 6% 6% 0 32168.74 80421.86 160843.7 241265.6 321687.4
6% 6% 6% 6% 0 32812.12 82030.3 164060.6 246090.9 328121.2
6% 6% 6% 6% 0 33468.36 83670.91 167341.8 251012.7 334683.6
6% 6% 6% 6% 0 34137.73 85344.32 170688.6 256033 341377.3
6% 6% 6% 6% 0 34820.48 87051.21 174102.4 261153.6 348204.8
6% 6% 6% 6% 0 35516.89 88792.23 177584.5 266376.7 355168.9
6% 6% 6% 6% 0 36227.23 90568.08 181136.2 271704.2 362272.3
6% 6% 6% 6% 0 36951.78 92379.44 184758.9 277138.3 369517.8
6% 6% 6% 6% 0 37690.81 94227.03 188454.1 282681.1 376908.1
6% 6% 6% 6% 0 38444.63 96111.57 192223.1 288334.7 384446.3
6% 6% 6% 6% 0 39213.52 98033.8 196067.6 294101.4 392135.2
6% 6% 6% 6% 0 39997.79 99994.48 199989 299983.4 399977.9
6% 6% 6% 6% 0 40797.75 101994.4 203988.7 305983.1 407977.5
6% 6% 6% 6% 0 41613.7 104034.3 208068.5 312102.8 416137
6% 6% 6% 6% 0 42445.98 106114.9 212229.9 318344.8 424459.8
6% 6% 6% 6% 0 21647.45 54118.62 108237.2 162355.9 216474.5
6% 6% 6% 6% 0 22080.4 55200.99 110402 165603 220804
6% 6% 6% 6% 0 22522 56305.01 112610 168915 225220
6% 6% 6% 6% 0 22972.44 57431.11 114862.2 172293.3 229724.4
6% 6% 6% 6% 0 23431.89 58579.73 117159.5 175739.2 234318.9
6% 6% 6% 6% 0 23900.53 59751.33 119502.7 179254 239005.3
6% 6% 6% 6% 0 24378.54 60946.36 121892.7 182839.1 243785.4
6% 6% 6% 6% 0 24866.11 62165.28 124330.6 186495.8 248661.1
6% 6% 6% 6% 0 25363.44 63408.59 126817.2 190225.8 253634.4
6% 6% 6% 6% 0 25870.7 64676.76 129353.5 194030.3 258707
6% 6% 6% 6% 0 26388.12 65970.29 131940.6 197910.9 263881.2
6% 6% 6% 6% 0 26915.88 67289.7 134579.4 201869.1 269158.8
6% 6% 6% 6% 0 27454.2 68635.49 137271 205906.5 274542
6% 6% 6% 6% 0 56006.56 140016.4 280032.8 420049.2 560065.6
6% 6% 6% 6% 0 28563.35 71408.37 142816.7 214225.1 285633.5
6% 6% 6% 6% 0 29134.61 72836.54 145673.1 218509.6 291346.1
6% 6% 6% 6% 0 29717.31 74293.27 148586.5 222879.8 297173.1
6% 6% 6% 6% 0 30311.65 75779.13 151558.3 227337.4 303116.5
6% 6% 6% 6% 0 30917.89 77294.71 154589.4 231884.1 309178.9
6% 6% 6% 6% 0 31536.24 78840.61 157681.2 236521.8 315362.4
6% 6% 6% 6% 0 32166.97 80417.42 160834.8 241252.3 321669.7
6% 6% 6% 6% 0 32810.31 82025.77 164051.5 246077.3 328103.1
6% 6% 6% 6% 0 33466.51 83666.29 167332.6 250998.9 334665.1
6% 6% 6% 6% 0 34135.84 85339.61 170679.2 256018.8 341358.4
6% 6% 6% 6% 0 34818.56 87046.4 174092.8 261139.2 348185.6
6% 6% 6% 6% 0 35514.93 88787.33 177574.7 266362 355149.3
6% 6% 6% 6% 0 36225.23 90563.08 181126.2 271689.2 362252.3
6% 6% 6% 6% 0 36949.74 92374.34 184748.7 277123 369497.4
6% 6% 6% 6% 0 37688.73 94221.83 188443.7 282665.5 376887.3
6% 6% 6% 6% 0 38442.51 96106.26 192212.5 288318.8 384425.1
6% 6% 6% 6% 0 39211.36 98028.39 196056.8 294085.2 392113.6
6% 6% 6% 6% 0 39995.58 99988.96 199977.9 299966.9 399955.8
6% 6% 6% 6% 0 40795.49 101988.7 203977.5 305966.2 407954.9
6% 6% 6% 6% 0 41611.4 104028.5 208057 312085.5 416114
6% 6% 6% 6% 0 42443.63 106109.1 212218.2 318327.2 424436.3
6% 6% 6% 6% 0 43292.5 108231.3 216462.5 324693.8 432925
6% 6% 6% 6% 0 44158.35 110395.9 220791.8 331187.7 441583.5
6% 6% 6% 6% 0 45041.52 112603.8 225207.6 337811.4 450415.2
6% 6% 6% 6% 0 45942.35 114855.9 229711.8 344567.6 459423.5
6% 6% 6% 6% 0 46861.2 117153 234306 351459 468612
6% 6% 6% 6% 0 47798.42 119496.1 238992.1 358488.2 477984.2

6% 6% 6% 6% 0 56006.56 140016.4 280032.8 420049.2 560065.6

6% 6% 6% 6% 0 56006.56 140016.4 280032.8 420049.2 560065.6

 State Intercepts
State Txbl Less State
0
1 2 3 4 5 Income StdDed
0 0 0 0 0 0 $105,624.26 $80,524.26
0 0 0 0 0 0 $103,860.35 $78,258.35
0 0 0 0 0 0 $101,871.66 $75,757.62
0 0 0 0 0 0 $99,620.53 $72,984.21
0 0 0 0 0 0 $97,060.29 $69,891.24
0 0 0 0 0 0 $94,132.02 $66,419.59
0 0 0 0 0 0 $72,073.58 $43,806.91
0 0 0 0 0 0 $50,371.83 $21,539.82
0 0 0 0 0 0 $49,268.62 $19,859.97
0 0 0 1792.639 3585.278 5377.917 $48,037.81 $18,040.99
0 0 0 1828.492 3656.983 5485.475 $46,671.57 $16,074.81
0 0 0 1865.061 3730.123 5595.184 $45,161.66 $13,952.97
0 0 0 1902.363 3804.725 5707.088 $43,499.39 $11,666.52
0 776.164 1940.41 5821.23 9702.05 13582.87 $36,739.19 $4,269.67
0 791.6873 1979.218 5937.654 9896.091 13854.53 $37,682.76 $4,563.84
0 807.521 2018.803 6056.408 10094.01 14131.62 $38,625.39 $4,844.10
0 823.6714 2059.179 6177.536 10295.89 14414.25 $39,567.64 $5,110.72
0 840.1449 2100.362 6301.086 10501.81 14702.53 $40,510.08 $5,364.02
0 856.9477 2142.369 6427.108 10711.85 14996.59 $41,453.23 $5,604.25
0 874.0867 2185.217 6555.65 10926.08 15296.52 $42,397.67 $5,831.71
0 891.5684 2228.921 6686.763 11144.61 15602.45 $43,343.92 $6,046.64
0 909.3998 2273.5 6820.499 11367.5 15914.5 $44,292.52 $6,249.29
0 927.5878 2318.97 6956.909 11594.85 16232.79 $45,244.00 $6,439.92
0 946.1396 2365.349 7096.047 11826.74 16557.44 $39,580.16 $0.00
0 965.0623 2412.656 7237.968 12063.28 16888.59 $40,371.76 $0.00
0 984.3636 2460.909 7382.727 12304.54 17226.36 $41,179.20 $0.00
0 1004.051 2510.127 7530.382 12550.64 17570.89 $42,002.78 $0.00
0 1024.132 2560.33 7680.989 12801.65 17922.31 $42,842.84 $0.00
0 1044.615 2611.536 7834.609 13057.68 18280.75 $43,699.70 $0.00
0 1065.507 2663.767 7991.301 13318.84 18646.37 $44,573.69 $0.00
0 1086.817 2717.042 8151.127 13585.21 19019.3 $45,465.17 $0.00
0 1108.553 2771.383 8314.15 13856.92 19399.68 $46,374.47 $0.00
0 1130.724 2826.811 8480.433 14134.05 19787.68 $47,301.96 $0.00
0 1153.339 2883.347 8650.041 14416.74 20183.43 $48,248.00 $0.00
0 1176.406 2941.014 8823.042 14705.07 20587.1 $49,212.96 $0.00
0 1199.934 2999.834 8999.503 14999.17 20998.84 $46,436.81 $0.00
0 1223.932 3059.831 9179.493 15299.16 21418.82 $34,678.08 $0.00
0 1248.411 3121.028 9363.083 15605.14 21847.19 $35,371.65 $0.00
0 1273.379 3183.448 9550.345 15917.24 22284.14 $36,079.08 $0.00
0 649.4234 1623.559 4870.676 8117.793 11364.91 $27,600.50 $432.95
0 662.4119 1656.03 4968.089 8280.149 11592.21 $28,152.51 $441.61
0 675.6601 1689.15 5067.451 8445.752 11824.05 $28,715.56 $450.44
0 689.1733 1722.933 5168.8 8614.667 12060.53 $29,289.87 $459.45
0 702.9568 1757.392 5272.176 8786.96 12301.74 $29,875.66 $468.64
0 717.0159 1792.54 5377.62 8962.699 12547.78 $30,473.18 $478.01
0 731.3563 1828.391 5485.172 9141.953 12798.73 $31,082.64 $487.57
0 745.9834 1864.958 5594.875 9324.792 13054.71 $31,704.29 $497.32
0 760.9031 1902.258 5706.773 9511.288 13315.8 $32,338.38 $507.27
0 776.1211 1940.303 5820.908 9701.514 13582.12 $32,985.15 $517.41
0 791.6435 1979.109 5937.327 9895.544 13853.76 $33,644.85 $527.76
0 807.4764 2018.691 6056.073 10093.46 14130.84 $34,317.75 $538.32
0 823.6259 2059.065 6177.195 10295.32 14413.45 $35,004.10 $549.08
0 1680.197 4200.492 12601.48 21002.46 29403.45 $140,016.41 $69,728.17
0 856.9004 2142.251 6426.753 10711.26 14995.76 $0.00 $0.00
0 874.0384 2185.096 6555.288 10925.48 15295.67 $0.00 $0.00
0 891.5192 2228.798 6686.394 11143.99 15601.59 $0.00 $0.00
0 909.3496 2273.374 6820.122 11366.87 15913.62 $0.00 $0.00
0 927.5366 2318.841 6956.524 11594.21 16231.89 $0.00 $0.00
0 946.0873 2365.218 7095.655 11826.09 16556.53 $0.00 $0.00
0 965.0091 2412.523 7237.568 12062.61 16887.66 $0.00 $0.00
0 984.3092 2460.773 7382.319 12303.87 17225.41 $0.00 $0.00
0 1003.995 2509.989 7529.966 12549.94 17569.92 $0.00 $0.00
0 1024.075 2560.188 7680.565 12800.94 17921.32 $0.00 $0.00
0 1044.557 2611.392 7834.176 13056.96 18279.74 $0.00 $0.00
0 1065.448 2663.62 7990.86 13318.1 18645.34 $0.00 $0.00
0 1086.757 2716.892 8150.677 13584.46 19018.25 $0.00 $0.00
0 1108.492 2771.23 8313.691 13856.15 19398.61 $0.00 $0.00
0 1130.662 2826.655 8479.964 14133.27 19786.58 $0.00 $0.00
0 1153.275 2883.188 8649.564 14415.94 20182.32 $0.00 $0.00
0 1176.341 2940.852 8822.555 14704.26 20585.96 $0.00 $0.00
0 1199.867 2999.669 8999.006 14998.34 20997.68 $0.00 $0.00
0 1223.865 3059.662 9178.986 15298.31 21417.63 $0.00 $0.00
0 1248.342 3120.855 9362.566 15604.28 21845.99 $0.00 $0.00
0 1273.309 3183.272 9549.817 15916.36 22282.91 $0.00 $0.00
0 1298.775 3246.938 9740.814 16234.69 22728.56 $0.00 $0.00
0 1324.751 3311.877 9935.63 16559.38 23183.14 $0.00 $0.00
0 1351.246 3378.114 10134.34 16890.57 23646.8 $0.00 $0.00
0 1378.271 3445.676 10337.03 17228.38 24119.73 $0.00 $0.00
0 1405.836 3514.59 10543.77 17572.95 24602.13 $0.00 $0.00
0 1433.953 3584.882 10754.65 17924.41 25094.17 $0.00 $0.00

0 1680.197 4200.492 12601.48 21002.46 29403.45 $140,016.41 $69,728.17

0 1680.197 4200.492 12601.48 21002.46 29403.45 $140,016.41 $69,728.17

Bracket Tax

3 $0.00
3 $0.00
3 $0.00
3 $0.00
3 $0.00
3 $0.00
2 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $128.09
1 $136.92
1 $145.32
1 $153.32
1 $160.92
1 $168.13
1 $174.95
1 $181.40
1 $187.48
1 $193.20
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $12.99
1 $13.25
1 $13.51
1 $13.78
1 $14.06
1 $14.34
1 $14.63
1 $14.92
1 $15.22
1 $15.52
1 $15.83
1 $16.15
1 $16.47
2 $2,091.85
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00

2 $2,091.85

2 $2,091.85
 Year1 2023 Account
Spending Target $49,790 Taxable1 Taxable2
growth (nom.) 2.00% Value $600,000 $0
Step-Up Basis? 1 (1=yes, 0=no) Basis $300,000 $0
Returns 5.00% 5.00%
Spouse1 Spouse2 CapG 3.00% 3.00%
Age in Year1 47 39 Dividends 2.00% 2.00%
Final age 85 90 Interest 0.00% 0.00%
Final period 39 52 Tax-free Int 0.00% 0.00%
Bequest Year 2075 (beginning of the year) S.1256 0.00% 0.00%
Bequest Period 53 Returns($) $30,000 $0
Heir Filing Status Married fut $
Heir Ord. Inc. $50,000 $140,016
Heir Div. Inc. $0 $0

Cash Flow Convg $0 0.00

RMD OK?
401k OK
IRA OK

Params

# Year Filing Age1 Age2 RMD Val_0 CB_0 Income

1 2023 Married 47 39 0.0% $600,000 $300,000 $12,000

2 2024 Married 48 40 0.0% $580,210 $330,655 $11,604
3 2025 Married 49 41 0.0% $558,435 $358,977 $11,169
4 2026 Married 50 42 0.0% $534,555 $383,617 $10,691
5 2027 Married 51 43 0.0% $508,445 $404,252 $10,169
6 2028 Married 52 44 0.0% $479,973 $420,500 $9,599
7 2029 Married 53 45 0.0% $449,000 $431,907 $8,980
8 2030 Married 54 46 0.0% $415,378 $415,378 $8,308
9 2031 Married 55 47 0.0% $378,954 $378,954 $7,579
10 2032 Married 56 48 0.0% $339,565 $339,565 $6,791
11 2033 Married 57 49 0.0% $297,039 $297,039 $5,941
12 2034 Married 58 50 0.0% $251,197 $251,197 $5,024
13 2035 Married 59 51 0.0% $201,850 $201,850 $4,037
14 2036 Married 60 52 0.0% $148,796 $148,796 $2,976
15 2037 Married 61 53 0.0% $136,966 $132,977 $2,739
16 2038 Married 62 54 0.0% $124,545 $117,395 $2,491
17 2039 Married 63 55 0.0% $111,502 $102,040 $2,230
18 2040 Married 64 56 0.0% $97,808 $86,901 $1,956
19 2041 Married 65 57 0.0% $83,428 $71,966 $1,669
20 2042 Married 66 58 0.0% $68,330 $57,225 $1,367
21 2043 Married 67 59 0.0% $52,476 $42,668 $1,050
22 2044 Married 68 60 0.0% $35,830 $28,285 $717
23 2045 Married 69 61 0.0% $18,352 $14,065 $367
24 2046 Married 70 62 0.0% $0 $0 $0
25 2047 Married 71 63 0.0% $0 $0 $0
26 2048 Married 72 64 3.6% $0 $0 $0
27 2049 Married 73 65 3.8% $0 $0 $0
28 2050 Married 74 66 3.9% $0 $0 $0
29 2051 Married 75 67 4.1% $0 $0 $0
30 2052 Married 76 68 4.2% $0 $0 $0
31 2053 Married 77 69 4.4% $0 $0 $0
32 2054 Married 78 70 4.5% $0 $0 $0
33 2055 Married 79 71 4.7% $0 $0 $0
34 2056 Married 80 72 5.0% $0 $0 $0
35 2057 Married 81 73 5.2% $0 $0 $0
36 2058 Married 82 74 5.4% $0 $0 $0
37 2059 Married 83 75 5.6% $0 $0 $0
38 2060 Married 84 76 6.0% $0 $0 $0
39 2061 Married 85 77 6.3% $0 $0 $0
40 2062 Single 78 7.9% $0 $0 $0
41 2063 Single 79 8.4% $0 $0 $0
42 2064 Single 80 8.9% $0 $0 $0
43 2065 Single 81 9.5% $0 $0 $0
44 2066 Single 82 10.1% $0 $0 $0
45 2067 Single 83 10.8% $0 $0 $0
46 2068 Single 84 11.5% $0 $0 $0
47 2069 Single 85 12.3% $0 $0 $0
48 2070 Single 86 13.2% $0 $0 $0
49 2071 Single 87 14.1% $0 $0 $0
50 2072 Single 88 15.2% $0 $0 $0
51 2073 Single 89 16.4% $0 $0 $0
52 2074 Single 90 17.5% $0 $0 $0
53 2075 Married 0.0% $0 $0 $0
54 2076 NaN 0.0% $0 $0 $0
55 2077 NaN 0.0% $0 $0 $0
56 2078 NaN 0.0% $0 $0 $0
57 2079 NaN 0.0% $0 $0 $0
58 2080 NaN 0.0% $0 $0 $0
59 2081 NaN 0.0% $0 $0 $0
60 2082 NaN 0.0% $0 $0 $0
61 2083 NaN 0.0% $0 $0 $0
62 2084 NaN 0.0% $0 $0 $0
63 2085 NaN 0.0% $0 $0 $0
64 2086 NaN 0.0% $0 $0 $0
65 2087 NaN 0.0% $0 $0 $0
66 2088 NaN 0.0% $0 $0 $0
 67 2089 NaN 0.0% $0 $0 $0
68 2090 NaN 0.0% $0 $0 $0
69 2091 NaN 0.0% $0 $0 $0
70 2092 NaN 0.0% $0 $0 $0
71 2093 NaN 0.0% $0 $0 $0
72 2094 NaN 0.0% $0 $0 $0
73 2095 NaN 0.0% $0 $0 $0
74 2096 NaN 0.0% $0 $0 $0
75 2097 NaN 0.0% $0 $0 $0
76 2098 NaN 0.0% $0 $0 $0
77 2099 NaN 0.0% $0 $0 $0
78 2100 NaN 0.0% $0 $0 $0
79 2101 NaN 0.0% $0 $0 $0
80 2102 NaN 0.0% $0 $0 $0

Baseline Inc Tax Calc for Heir, without inheritance

53 2075 Married

Inc Tax Calc for Heir, with 10% of inheritance

53 2075 Married

10x tax impact

Fed $0
State $0
 Nominal Real
401k IRA Roth/HSA Total Txbl1 $0 $0
$450,000 $0 $150,000 $1,200,000 Txbl2 $0 $0
$0 $0 N/A 401k $0 $0
5.00% 5.00% 5.00% 5.00% IRA $0 $0
3.00% 3.00% 3.00% Roth $1,070,652 $382,331
2.00% 2.00% 2.00% Total $1,070,652 $382,331
0.00% 0.00% 0.00% Tax $0 $0
0.00% 0.00% 0.00% Fed $0 $0
0.00% 0.00% 0.00% State $0 $0
$22,500 $0 $7,500 $60,000 After-tax $1,070,652 $382,331
Rel to baselin ($12,429) ($4,438)

Taxable 1

Contrib/ Tax Gain

CapGains PrincipalLiq CapGains Basis Reinvest Val_1
Withdraw Harvest
$18,000 ($49,790) $49,000 $37,790 $68,445 $18,345 $0 $580,210
$17,406 ($50,786) $50,000 $39,182 $67,503 $21,679 $0 $558,435
$16,753 ($51,802) $50,000 $40,633 $65,274 $25,359 $0 $534,555
$16,037 ($52,838) $50,000 $42,146 $62,781 $29,365 $0 $508,445
$15,253 ($53,894) $50,000 $43,725 $59,973 $33,752 $0 $479,973
$14,399 ($54,972) $50,000 $45,373 $56,780 $38,593 $0 $449,000
$13,470 ($56,072) $27,450 $47,092 $30,562 $43,980 $0 $415,378
$12,461 ($57,193) $11,037 $48,886 $12,461 $47,462 $0 $378,954
$11,369 ($58,337) $9,890 $50,758 $11,369 $49,279 $0 $339,565
$10,187 ($59,504) $8,652 $52,712 $10,187 $51,177 $0 $297,039
$8,911 ($60,694) $7,316 $54,753 $8,911 $53,158 $0 $251,197
$7,536 ($61,908) $5,879 $56,884 $7,536 $55,227 $0 $201,850
$6,055 ($63,146) $4,334 $59,109 $6,055 $57,387 $0 $148,796
$4,464 ($19,270) $0 $16,294 $475 $15,819 $0 $136,966
$4,109 ($19,270) $0 $16,530 $949 $15,582 $0 $124,545
$3,736 ($19,270) $0 $16,779 $1,424 $15,355 $0 $111,502
$3,345 ($19,270) $0 $17,040 $1,900 $15,140 $0 $97,808
$2,934 ($19,270) $0 $17,314 $2,379 $14,935 $0 $83,428
$2,503 ($19,270) $0 $17,601 $2,860 $14,741 $0 $68,330
$2,050 ($19,270) $0 $17,903 $3,346 $14,557 $0 $52,476
$1,574 ($19,270) $0 $18,220 $3,837 $14,383 $0 $35,830
$1,075 ($19,270) $0 $18,553 $4,334 $14,219 $0 $18,352
$551 ($19,270) $0 $18,903 $4,837 $14,065 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
 Total p.a. % of Cons % of WD
Withdraw $2,591,019 $49,827 100.1% 100.0%
Consume $2,589,080 $49,790 100.0% 99.9%
Tax $1,939 $37 0.1% 0.1%
Fed $935 $18 0.0% 0.0%
State $1,004 $19 0.0% 0.0%

Heirs $382,331
After-tax $382,331
Tax $0
Fed $0
State $0

Combined % of Cons % of WD
Total bef. Tax $2,973,349 100.1% 100.0%
After-tax $2,971,411 100.0% 99.9%
Tax $1,939 0.1% 0.1%
Fed $935 0.0% 0.0%
State $1,004 0.0% 0.0%

Taxable 2

Contrib/ Tax Gain

CB_1 Val_0 CB_0 Income CapGains
Withdraw Harvest
$330,655 $0 $0 $0 $0 $0 $0
$358,977 $0 $0 $0 $0 $0 $0
$383,617 $0 $0 $0 $0 $0 $0
$404,252 $0 $0 $0 $0 $0 $0
$420,500 $0 $0 $0 $0 $0 $0
$431,907 $0 $0 $0 $0 $0 $0
$415,378 $0 $0 $0 $0 $0 $0
$378,954 $0 $0 $0 $0 $0 $0
$339,565 $0 $0 $0 $0 $0 $0
$297,039 $0 $0 $0 $0 $0 $0
$251,197 $0 $0 $0 $0 $0 $0
$201,850 $0 $0 $0 $0 $0 $0
$148,796 $0 $0 $0 $0 $0 $0
$132,977 $0 $0 $0 $0 $0 $0
$117,395 $0 $0 $0 $0 $0 $0
$102,040 $0 $0 $0 $0 $0 $0
$86,901 $0 $0 $0 $0 $0 $0
$71,966 $0 $0 $0 $0 $0 $0
$57,225 $0 $0 $0 $0 $0 $0
$42,668 $0 $0 $0 $0 $0 $0
$28,285 $0 $0 $0 $0 $0 $0
$14,065 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
 Tax Arb Indicators
$200,000
$180,000
$160,000
$140,000
$120,000
$100,000
$80,000
$60,000
$40,000
$20,000
$0
2020 2025 2030 2035 2040 2045 2050 2055 2060 2065 207

Fed Std Ded Fed 10% br Ord

Fed 12% br Ord 0% Cap Gains bracket

axable 2

PrincipalLiq CapGains Basis Reinvest Val_1 CB_1 Val_0 CB_0

$0 $0 $0 $0 $0 $0 $450,000 $0
$0 $0 $0 $0 $0 $0 $447,400 $0
$0 $0 $0 $0 $0 $0 $444,168 $0
$0 $0 $0 $0 $0 $0 $440,262 $0
$0 $0 $0 $0 $0 $0 $435,639 $0
$0 $0 $0 $0 $0 $0 $430,252 $0
$0 $0 $0 $0 $0 $0 $424,052 $0
$0 $0 $0 $0 $0 $0 $416,988 $0
$0 $0 $0 $0 $0 $0 $409,006 $0
$0 $0 $0 $0 $0 $0 $400,047 $0
$0 $0 $0 $0 $0 $0 $390,053 $0
$0 $0 $0 $0 $0 $0 $378,959 $0
$0 $0 $0 $0 $0 $0 $366,698 $0
$0 $0 $0 $0 $0 $0 $353,200 $0
$0 $0 $0 $0 $0 $0 $338,391 $0
$0 $0 $0 $0 $0 $0 $322,191 $0
$0 $0 $0 $0 $0 $0 $304,519 $0
$0 $0 $0 $0 $0 $0 $285,288 $0
$0 $0 $0 $0 $0 $0 $264,407 $0
$0 $0 $0 $0 $0 $0 $241,778 $0
$0 $0 $0 $0 $0 $0 $217,301 $0
$0 $0 $0 $0 $0 $0 $190,869 $0
$0 $0 $0 $0 $0 $0 $162,369 $0
$0 $0 $0 $0 $0 $0 $131,684 $0
$0 $0 $0 $0 $0 $0 $125,495 $0
$0 $0 $0 $0 $0 $0 $118,741 $0
$0 $0 $0 $0 $0 $0 $111,390 $0
$0 $0 $0 $0 $0 $0 $103,404 $0
$0 $0 $0 $0 $0 $0 $94,749 $0
$0 $0 $0 $0 $0 $0 $85,384 $0
$0 $0 $0 $0 $0 $0 $75,269 $0
$0 $0 $0 $0 $0 $0 $64,360 $0
$0 $0 $0 $0 $0 $0 $52,613 $0
$0 $0 $0 $0 $0 $0 $39,979 $0
$0 $0 $0 $0 $0 $0 $26,407 $0
$0 $0 $0 $0 $0 $0 $11,846 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
Arb Indicators Marginal Tax Rate (Fed+State)
20%
18%
16%
14%
12%
10%
8%
6%
4%
2%
0 2045 2050 2055 2060 2065 2070 2075
0%
2020 2025 2030 2035 2040 2045 2050 2055 2060 2065 2070 2075
Fed 10% br Ord
rd 0% Cap Gains bracket Ord Inc Combined CapGains Combined

401k

Contrib/
Gains RMD WD/gain WD/basis Val_1 CB_1 Val_0 CB_0
Withdraw
$22,500 ($25,100) $0 $25,100 $0 $447,400 $0 $0 $0
$22,370 ($25,602) $0 $25,602 $0 $444,168 $0 $0 $0
$22,208 ($26,114) $0 $26,114 $0 $440,262 $0 $0 $0
$22,013 ($26,636) $0 $26,636 $0 $435,639 $0 $0 $0
$21,782 ($27,169) $0 $27,169 $0 $430,252 $0 $0 $0
$21,513 ($27,712) $0 $27,712 $0 $424,052 $0 $0 $0
$21,203 ($28,267) $0 $28,267 $0 $416,988 $0 $0 $0
$20,849 ($28,832) $0 $28,832 $0 $409,006 $0 $0 $0
$20,450 ($29,409) $0 $29,409 $0 $400,047 $0 $0 $0
$20,002 ($29,997) $0 $29,997 $0 $390,053 $0 $0 $0
$19,503 ($30,597) $0 $30,597 $0 $378,959 $0 $0 $0
$18,948 ($31,209) $0 $31,209 $0 $366,698 $0 $0 $0
$18,335 ($31,833) $0 $31,833 $0 $353,200 $0 $0 $0
$17,660 ($32,470) $0 $32,470 $0 $338,391 $0 $0 $0
$16,920 ($33,119) $0 $33,119 $0 $322,191 $0 $0 $0
$16,110 ($33,781) $0 $33,781 $0 $304,519 $0 $0 $0
$15,226 ($34,457) $0 $34,457 $0 $285,288 $0 $0 $0
$14,264 ($35,146) $0 $35,146 $0 $264,407 $0 $0 $0
$13,220 ($35,849) $0 $35,849 $0 $241,778 $0 $0 $0
$12,089 ($36,566) $0 $36,566 $0 $217,301 $0 $0 $0
$10,865 ($37,297) $0 $37,297 $0 $190,869 $0 $0 $0
$9,543 ($38,043) $0 $38,043 $0 $162,369 $0 $0 $0
$8,118 ($38,804) $0 $38,804 $0 $131,684 $0 $0 $0
$6,584 ($12,773) $0 $12,773 $0 $125,495 $0 $0 $0
$6,275 ($13,028) $0 $13,028 $0 $118,741 $0 $0 $0
$5,937 ($13,289) ($4,334) $13,289 $0 $111,390 $0 $0 $0
$5,569 ($13,555) ($4,203) $13,555 $0 $103,404 $0 $0 $0
$5,170 ($13,826) ($4,055) $13,826 $0 $94,749 $0 $0 $0
$4,737 ($14,102) ($3,852) $14,102 $0 $85,384 $0 $0 $0
$4,269 ($14,384) ($3,603) $14,384 $0 $75,269 $0 $0 $0
$3,763 ($14,672) ($3,287) $14,672 $0 $64,360 $0 $0 $0
$3,218 ($14,965) ($2,925) $14,965 $0 $52,613 $0 $0 $0
$2,631 ($15,265) ($2,493) $15,265 $0 $39,979 $0 $0 $0
$1,999 ($15,570) ($1,979) $15,570 $0 $26,407 $0 $0 $0
$1,320 ($15,881) ($1,361) $15,881 $0 $11,846 $0 $0 $0
$592 ($12,439) ($640) $12,439 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0

RMD Check 0
ate)

2060 2065 2070 2075

ombined

IRA Roth

Contrib/
Gains RMD WD/gain WD/basis Val_1 CB_1 Val_0 Gains
Withdraw
$0 $0 $0 $0 $0 $0 $0 $150,000 $7,500
$0 $0 $0 $0 $0 $0 $0 $182,600 $9,130
$0 $0 $0 $0 $0 $0 $0 $217,332 $10,867
$0 $0 $0 $0 $0 $0 $0 $254,313 $12,716
$0 $0 $0 $0 $0 $0 $0 $293,665 $14,683
$0 $0 $0 $0 $0 $0 $0 $335,517 $16,776
$0 $0 $0 $0 $0 $0 $0 $380,005 $19,000
$0 $0 $0 $0 $0 $0 $0 $427,272 $21,364
$0 $0 $0 $0 $0 $0 $0 $477,468 $23,873
$0 $0 $0 $0 $0 $0 $0 $530,750 $26,537
$0 $0 $0 $0 $0 $0 $0 $587,284 $29,364
$0 $0 $0 $0 $0 $0 $0 $647,245 $32,362
$0 $0 $0 $0 $0 $0 $0 $710,816 $35,541
$0 $0 $0 $0 $0 $0 $0 $778,189 $38,909
$0 $0 $0 $0 $0 $0 $0 $804,292 $40,215
$0 $0 $0 $0 $0 $0 $0 $831,050 $41,553
$0 $0 $0 $0 $0 $0 $0 $858,487 $42,924
$0 $0 $0 $0 $0 $0 $0 $886,621 $44,331
$0 $0 $0 $0 $0 $0 $0 $915,434 $45,772
$0 $0 $0 $0 $0 $0 $0 $944,985 $47,249
$0 $0 $0 $0 $0 $0 $0 $975,300 $48,765
$0 $0 $0 $0 $0 $0 $0 $1,006,402 $50,320
$0 $0 $0 $0 $0 $0 $0 $1,038,268 $51,913
$0 $0 $0 $0 $0 $0 $0 $1,070,968 $53,548
$0 $0 $0 $0 $0 $0 $0 $1,090,314 $54,516
$0 $0 $0 $0 $0 $0 $0 $1,109,942 $55,497
$0 $0 $0 $0 $0 $0 $0 $1,129,855 $56,493
$0 $0 $0 $0 $0 $0 $0 $1,150,051 $57,503
$0 $0 $0 $0 $0 $0 $0 $1,170,531 $58,527
$0 $0 $0 $0 $0 $0 $0 $1,191,295 $59,565
$0 $0 $0 $0 $0 $0 $0 $1,212,341 $60,617
$0 $0 $0 $0 $0 $0 $0 $1,233,670 $61,684
$0 $0 $0 $0 $0 $0 $0 $1,255,279 $62,764
$0 $0 $0 $0 $0 $0 $0 $1,277,168 $63,858
$0 $0 $0 $0 $0 $0 $0 $1,299,333 $64,967
$0 $0 $0 $0 $0 $0 $0 $1,321,772 $66,089
$0 $0 $0 $0 $0 $0 $0 $1,340,723 $67,036
$0 $0 $0 $0 $0 $0 $0 $1,346,991 $67,350
$0 $0 $0 $0 $0 $0 $0 $1,352,357 $67,618
$0 $0 $0 $0 $0 $0 $0 $1,356,751 $67,838
$0 $0 $0 $0 $0 $0 $0 $1,349,204 $67,460
$0 $0 $0 $0 $0 $0 $0 $1,339,771 $66,989
$0 $0 $0 $0 $0 $0 $0 $1,328,329 $66,416
$0 $0 $0 $0 $0 $0 $0 $1,314,747 $65,737
$0 $0 $0 $0 $0 $0 $0 $1,298,885 $64,944
$0 $0 $0 $0 $0 $0 $0 $1,280,598 $64,030
$0 $0 $0 $0 $0 $0 $0 $1,259,732 $62,987
$0 $0 $0 $0 $0 $0 $0 $1,236,125 $61,806
$0 $0 $0 $0 $0 $0 $0 $1,209,605 $60,480
$0 $0 $0 $0 $0 $0 $0 $1,179,993 $59,000
$0 $0 $0 $0 $0 $0 $0 $1,147,099 $57,355
$0 $0 $0 $0 $0 $0 $0 $1,110,722 $55,536
$0 $0 $0 $0 $0 $0 $0 $1,070,652 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0 $0

RMD Check 0
Roth Supplemental Cash Flow

Contrib/ Ord Div/LT Inflation Infl Disc.

Val_1 Flow
Withdraw Income gains Mult Factor
$25,100 $182,600 $0 $0 $0 1.00 1.00
$25,602 $217,332 $0 $0 $0 1.02 0.98
$26,114 $254,313 $0 $0 $0 1.04 0.96
$26,636 $293,665 $0 $0 $0 1.06 0.94
$27,169 $335,517 $0 $0 $0 1.08 0.92
$27,712 $380,005 $0 $0 $0 1.10 0.91
$28,267 $427,272 $0 $0 $0 1.13 0.89
$28,832 $477,468 $0 $0 $0 1.15 0.87
$29,409 $530,750 $0 $0 $0 1.17 0.85
$29,997 $587,284 $0 $0 $0 1.20 0.84
$30,597 $647,245 $0 $0 $0 1.22 0.82
$31,209 $710,816 $0 $0 $0 1.24 0.80
$31,833 $778,189 $0 $0 $0 1.27 0.79
($12,807) $804,292 $0 $0 $0 1.29 0.77
($13,456) $831,050 $0 $0 $0 1.32 0.76
($14,116) $858,487 $0 $0 $0 1.35 0.74
($14,789) $886,621 $0 $0 $0 1.37 0.73
($15,519) $915,434 $0 $0 $0 1.40 0.71
($16,220) $944,985 $0 $0 $0 1.43 0.70
($16,935) $975,300 $0 $0 $0 1.46 0.69
($17,663) $1,006,402 $0 $0 $0 1.49 0.67
($18,455) $1,038,268 $0 $0 $0 1.52 0.66
($19,213) $1,070,968 $0 $0 $0 1.55 0.65
($34,203) $1,090,314 $31,538 $26,807 $0 1.58 0.63
($34,887) $1,109,942 $32,169 $27,343 $0 1.61 0.62
($35,585) $1,129,855 $32,812 $27,890 $0 1.64 0.61
($36,296) $1,150,051 $33,468 $28,448 $0 1.67 0.60
($37,022) $1,170,531 $34,138 $29,017 $0 1.71 0.59
($37,763) $1,191,295 $34,820 $29,597 $0 1.74 0.57
($38,518) $1,212,341 $35,517 $30,189 $0 1.78 0.56
($39,288) $1,233,670 $36,227 $30,793 $0 1.81 0.55
($40,074) $1,255,279 $36,952 $31,409 $0 1.85 0.54
($40,876) $1,277,168 $37,691 $32,037 $0 1.88 0.53
($41,693) $1,299,333 $38,445 $32,678 $0 1.92 0.52
($42,527) $1,321,772 $39,214 $33,331 $0 1.96 0.51
($47,138) $1,340,723 $39,998 $33,998 $0 2.00 0.50
($60,768) $1,346,991 $40,798 $34,678 $0 2.04 0.49
($61,984) $1,352,357 $41,614 $35,372 $0 2.08 0.48
($63,223) $1,356,751 $42,446 $36,079 $0 2.12 0.47
($75,385) $1,349,204 $32,471 $27,600 $0 2.16 0.46
($76,893) $1,339,771 $33,121 $28,153 $0 2.21 0.45
($78,431) $1,328,329 $33,783 $28,716 $0 2.25 0.44
($79,999) $1,314,747 $34,459 $29,290 $0 2.30 0.44
($81,599) $1,298,885 $35,148 $29,876 $0 2.34 0.43
($83,231) $1,280,598 $35,851 $30,473 $0 2.39 0.42
($84,896) $1,259,732 $36,568 $31,083 $0 2.44 0.41
($86,594) $1,236,125 $37,299 $31,704 $0 2.49 0.40
($88,326) $1,209,605 $38,045 $32,338 $0 2.54 0.39
($90,092) $1,179,993 $38,806 $32,985 $0 2.59 0.39
($91,894) $1,147,099 $39,582 $33,645 $0 2.64 0.38
($93,732) $1,110,722 $40,374 $34,318 $0 2.69 0.37
($95,606) $1,070,652 $41,181 $35,004 $0 2.75 0.36
$0 $1,070,652 $0 $0 $0 2.80 0.36
$0 $0 $0 $0 $0 2.86 0.35
$0 $0 $0 $0 $0 2.91 0.34
$0 $0 $0 $0 $0 2.97 0.34
$0 $0 $0 $0 $0 3.03 0.33
$0 $0 $0 $0 $0 3.09 0.32
$0 $0 $0 $0 $0 3.15 0.32
$0 $0 $0 $0 $0 3.22 0.31
$0 $0 $0 $0 $0 3.28 0.30
$0 $0 $0 $0 $0 3.35 0.30
$0 $0 $0 $0 $0 3.41 0.29
$0 $0 $0 $0 $0 3.48 0.29
$0 $0 $0 $0 $0 3.55 0.28
$0 $0 $0 $0 $0 3.62 0.28
$0 $0 $0 $0 $0 3.69 0.27
$0 $0 $0 $0 $0 3.77 0.27
$0 $0 $0 $0 $0 3.84 0.26
$0 $0 $0 $0 $0 3.92 0.26
$0 $0 $0 $0 $0 4.00 0.25
$0 $0 $0 $0 $0 4.08 0.25
$0 $0 $0 $0 $0 4.16 0.24
$0 $0 $0 $0 $0 4.24 0.24
$0 $0 $0 $0 $0 4.33 0.23
$0 $0 $0 $0 $0 4.42 0.23
$0 $0 $0 $0 $0 4.50 0.22
$0 $0 $0 $0 $0 4.59 0.22
$0 $0 $0 $0 $0 4.69 0.21
$0 $0 $0 $0 $0 4.78 0.21

$140,016 $0 2.80

$140,016 $0 2.80
 Account M
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
23 25 27 29 31 33 35 37 39 41 43 45 4
20 20 20 20 20 20 20 20 20 20 20 20 20

Taxable1 Taxable2

Account Values (Nominal) Account

Taxable1 Taxable2 401k IRA Roth/HSA Total Taxable1 Taxable2

$600,000 $0 $450,000 $0 $150,000 $1,200,000 $600,000 $0

$580,210 $0 $447,400 $0 $182,600 $1,210,210 $568,833 $0
$558,435 $0 $444,168 $0 $217,332 $1,219,935 $536,750 $0
$534,555 $0 $440,262 $0 $254,313 $1,229,130 $503,723 $0
$508,445 $0 $435,639 $0 $293,665 $1,237,749 $469,725 $0
$479,973 $0 $430,252 $0 $335,517 $1,245,742 $434,726 $0
$449,000 $0 $424,052 $0 $380,005 $1,253,057 $398,699 $0
$415,378 $0 $416,988 $0 $427,272 $1,259,638 $361,611 $0
$378,954 $0 $409,006 $0 $477,468 $1,265,427 $323,433 $0
$339,565 $0 $400,047 $0 $530,750 $1,270,361 $284,132 $0
$297,039 $0 $390,053 $0 $587,284 $1,274,376 $243,675 $0
$251,197 $0 $378,959 $0 $647,245 $1,277,401 $202,029 $0
$201,850 $0 $366,698 $0 $710,816 $1,279,363 $159,157 $0
$148,796 $0 $353,200 $0 $778,189 $1,280,186 $115,024 $0
$136,966 $0 $338,391 $0 $804,292 $1,279,648 $103,803 $0
$124,545 $0 $322,191 $0 $831,050 $1,277,786 $92,539 $0
$111,502 $0 $304,519 $0 $858,487 $1,274,508 $81,223 $0
$97,808 $0 $285,288 $0 $886,621 $1,269,718 $69,850 $0
$83,428 $0 $264,407 $0 $915,434 $1,263,269 $58,413 $0
$68,330 $0 $241,778 $0 $944,985 $1,255,093 $46,904 $0
$52,476 $0 $217,301 $0 $975,300 $1,245,078 $35,315 $0
$35,830 $0 $190,869 $0 $1,006,402 $1,233,102 $23,640 $0
$18,352 $0 $162,369 $0 $1,038,268 $1,218,989 $11,871 $0
$0 $0 $131,684 $0 $1,070,968 $1,202,652 $0 $0
$0 $0 $125,495 $0 $1,090,314 $1,215,809 $0 $0
$0 $0 $118,741 $0 $1,109,942 $1,228,684 $0 $0
$0 $0 $111,390 $0 $1,129,855 $1,241,244 $0 $0
$0 $0 $103,404 $0 $1,150,051 $1,253,455 $0 $0
$0 $0 $94,749 $0 $1,170,531 $1,265,280 $0 $0
$0 $0 $85,384 $0 $1,191,295 $1,276,679 $0 $0
$0 $0 $75,269 $0 $1,212,341 $1,287,610 $0 $0
$0 $0 $64,360 $0 $1,233,670 $1,298,030 $0 $0
$0 $0 $52,613 $0 $1,255,279 $1,307,892 $0 $0
$0 $0 $39,979 $0 $1,277,168 $1,317,146 $0 $0
$0 $0 $26,407 $0 $1,299,333 $1,325,740 $0 $0
$0 $0 $11,846 $0 $1,321,772 $1,333,619 $0 $0
$0 $0 $0 $0 $1,340,723 $1,340,723 $0 $0
$0 $0 $0 $0 $1,346,991 $1,346,991 $0 $0
$0 $0 $0 $0 $1,352,357 $1,352,357 $0 $0
$0 $0 $0 $0 $1,356,751 $1,356,751 $0 $0
$0 $0 $0 $0 $1,349,204 $1,349,204 $0 $0
$0 $0 $0 $0 $1,339,771 $1,339,771 $0 $0
$0 $0 $0 $0 $1,328,329 $1,328,329 $0 $0
$0 $0 $0 $0 $1,314,747 $1,314,747 $0 $0
$0 $0 $0 $0 $1,298,885 $1,298,885 $0 $0
$0 $0 $0 $0 $1,280,598 $1,280,598 $0 $0
$0 $0 $0 $0 $1,259,732 $1,259,732 $0 $0
$0 $0 $0 $0 $1,236,125 $1,236,125 $0 $0
$0 $0 $0 $0 $1,209,605 $1,209,605 $0 $0
$0 $0 $0 $0 $1,179,993 $1,179,993 $0 $0
$0 $0 $0 $0 $1,147,099 $1,147,099 $0 $0
$0 $0 $0 $0 $1,110,722 $1,110,722 $0 $0
$0 $0 $0 $0 $1,070,652 $1,070,652 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
 Account Mix over time Cash Flow Target over/under
$1

$1

$0
31 033 035 037 039 041 043 045 047 049 051 053 055 057 059 061 063 065 067 069 071 073 075 23 27 31 35 39 43 47 51 55 59 63 67 71 75 79 83 87
2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20

Taxable1 Taxable2 401k IRA Roth/HSA over/under

Account Values (Real) Account Values (Share)

401k IRA Roth/HSA Total Taxable1 Taxable2 401k IRA

$450,000 $0 $150,000 $1,200,000 2023 50% 0% 38% 0%

$438,627 $0 $179,020 $1,186,480 2024 48% 0% 37% 0%
$426,920 $0 $208,893 $1,172,563 2025 46% 0% 36% 0%
$414,869 $0 $239,644 $1,158,237 2026 43% 0% 36% 0%
$402,463 $0 $271,301 $1,143,489 2027 41% 0% 35% 0%
$389,693 $0 $303,888 $1,128,307 2028 39% 0% 35% 0%
$376,546 $0 $337,434 $1,112,679 2029 36% 0% 34% 0%
$363,013 $0 $371,966 $1,096,591 2030 33% 0% 33% 0%
$349,082 $0 $407,514 $1,080,030 2031 30% 0% 32% 0%
$334,742 $0 $444,108 $1,062,982 2032 27% 0% 31% 0%
$319,979 $0 $481,777 $1,045,432 2033 23% 0% 31% 0%
$304,783 $0 $520,555 $1,027,366 2034 20% 0% 30% 0%
$289,139 $0 $560,473 $1,008,769 2035 16% 0% 29% 0%
$273,035 $0 $601,566 $989,625 2036 12% 0% 28% 0%
$256,458 $0 $609,552 $969,814 2037 11% 0% 26% 0%
$239,393 $0 $617,483 $949,414 2038 10% 0% 25% 0%
$221,826 $0 $625,361 $928,410 2039 9% 0% 24% 0%
$203,742 $0 $633,192 $906,785 2040 8% 0% 22% 0%
$185,127 $0 $640,949 $884,489 2041 7% 0% 21% 0%
$165,964 $0 $648,667 $861,535 2042 5% 0% 19% 0%
$146,237 $0 $656,349 $837,902 2043 4% 0% 17% 0%
$125,931 $0 $664,000 $813,571 2044 3% 0% 15% 0%
$105,027 $0 $671,592 $788,490 2045 2% 0% 13% 0%
$83,508 $0 $679,161 $762,669 2046 0% 0% 11% 0%
$78,023 $0 $677,871 $755,894 2047 0% 0% 10% 0%
$72,377 $0 $676,544 $748,921 2048 0% 0% 10% 0%
$66,564 $0 $675,178 $741,742 2049 0% 0% 9% 0%
$60,581 $0 $673,771 $734,352 2050 0% 0% 8% 0%
$54,421 $0 $672,323 $726,745 2051 0% 0% 7% 0%
$48,081 $0 $670,833 $718,914 2052 0% 0% 7% 0%
$41,554 $0 $669,298 $710,852 2053 0% 0% 6% 0%
$34,835 $0 $667,719 $702,554 2054 0% 0% 5% 0%
$27,918 $0 $666,093 $694,011 2055 0% 0% 4% 0%
$20,798 $0 $664,419 $685,217 2056 0% 0% 3% 0%
$13,469 $0 $662,696 $676,165 2057 0% 0% 2% 0%
$5,924 $0 $660,923 $666,846 2058 0% 0% 1% 0%
$0 $0 $657,253 $657,253 2059 0% 0% 0% 0%
$0 $0 $647,379 $647,379 2060 0% 0% 0% 0%
$0 $0 $637,213 $637,213 2061 0% 0% 0% 0%
$0 $0 $626,749 $626,749 2062 0% 0% 0% 0%
$0 $0 $611,042 $611,042 2063 0% 0% 0% 0%
$0 $0 $594,872 $594,872 2064 0% 0% 0% 0%
$0 $0 $578,227 $578,227 2065 0% 0% 0% 0%
$0 $0 $561,093 $561,093 2066 0% 0% 0% 0%
$0 $0 $543,454 $543,454 2067 0% 0% 0% 0%
$0 $0 $525,297 $525,297 2068 0% 0% 0% 0%
$0 $0 $506,606 $506,606 2069 0% 0% 0% 0%
$0 $0 $487,365 $487,365 2070 0% 0% 0% 0%
$0 $0 $467,558 $467,558 2071 0% 0% 0% 0%
$0 $0 $447,168 $447,168 2072 0% 0% 0% 0%
$0 $0 $426,179 $426,179 2073 0% 0% 0% 0%
$0 $0 $404,573 $404,573 2074 0% 0% 0% 0%
$0 $0 $382,331 $382,331 2075 0% 0% 0% 0%
$0 $0 $0 $0 2076 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2077 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2078 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2079 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2080 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2081 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2082 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2083 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2084 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2085 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2086 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2087 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2088 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2089 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2090 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2091 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2092 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2093 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2094 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2095 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2096 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2097 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2098 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2099 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2100 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2101 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
$0 $0 $0 $0 2102 #DIV/0! #DIV/0! #DIV/0! #DIV/0!
t over/under

67 71 75 79 83 87 91 95 99
20 20 20 20 20 20 20 20 20

/under

) Cash Flow

Before
Roth/HSA Fed Tax State Tax Net Real Net % of NW
Tax
13% 2023 $49,790 $0 $0 $49,790 $49,790 4.15%
15% 2024 $50,786 $0 $0 $50,786 $49,790 4.20%
18% 2025 $51,802 $0 $0 $51,802 $49,790 4.25%
21% 2026 $52,838 $0 $0 $52,838 $49,790 4.30%
24% 2027 $53,894 $0 $0 $53,894 $49,790 4.35%
27% 2028 $54,972 $0 $0 $54,972 $49,790 4.41%
30% 2029 $56,072 $0 $0 $56,072 $49,790 4.47%
34% 2030 $57,193 $0 $0 $57,193 $49,790 4.54%
38% 2031 $58,337 $0 $0 $58,337 $49,790 4.61%
42% 2032 $59,504 $0 $0 $59,504 $49,790 4.68%
46% 2033 $60,694 $0 $0 $60,694 $49,790 4.76%
51% 2034 $61,908 $0 $0 $61,908 $49,790 4.85%
56% 2035 $63,146 $0 $0 $63,146 $49,790 4.94%
61% 2036 $64,547 $35 $104 $64,409 $49,790 5.03%
63% 2037 $65,844 $37 $111 $65,697 $49,790 5.13%
65% 2038 $67,167 $39 $117 $67,011 $49,790 5.24%
67% 2039 $68,516 $41 $124 $68,351 $49,790 5.36%
70% 2040 $69,935 $87 $130 $69,718 $49,790 5.49%
72% 2041 $71,339 $91 $136 $71,112 $49,790 5.63%
75% 2042 $72,770 $94 $141 $72,535 $49,790 5.78%
78% 2043 $74,230 $98 $147 $73,985 $49,790 5.94%
 82% 2044 $75,768 $152 $152 $75,465 $49,790 6.12%
85% 2045 $77,287 $156 $156 $76,974 $49,790 6.31%
89% 2046 $78,514 $0 $0 $78,514 $49,790 6.53%
90% 2047 $80,084 $0 $0 $80,084 $49,790 6.59%
90% 2048 $81,686 $0 $0 $81,686 $49,790 6.65%
91% 2049 $83,319 $0 $0 $83,319 $49,790 6.71%
92% 2050 $84,986 $0 $0 $84,986 $49,790 6.78%
93% 2051 $86,686 $0 $0 $86,686 $49,790 6.85%
93% 2052 $88,419 $0 $0 $88,419 $49,790 6.93%
94% 2053 $90,188 $0 $0 $90,188 $49,790 7.00%
95% 2054 $91,991 $0 $0 $91,991 $49,790 7.09%
96% 2055 $93,831 $0 $0 $93,831 $49,790 7.17%
97% 2056 $95,708 $0 $0 $95,708 $49,790 7.27%
98% 2057 $97,622 $0 $0 $97,622 $49,790 7.36%
99% 2058 $99,575 $0 $0 $99,575 $49,790 7.47%
100% 2059 $101,566 $0 $0 $101,566 $49,790 7.58%
100% 2060 $103,597 $0 $0 $103,597 $49,790 7.69%
100% 2061 $105,669 $0 $0 $105,669 $49,790 7.81%
100% 2062 $107,856 $61 $13 $107,783 $49,790 7.94%
100% 2063 $110,013 $62 $13 $109,938 $49,790 8.15%
100% 2064 $112,214 $63 $14 $112,137 $49,790 8.37%
100% 2065 $114,458 $64 $14 $114,380 $49,790 8.61%
100% 2066 $116,747 $66 $14 $116,667 $49,790 8.87%
100% 2067 $119,082 $67 $14 $119,001 $49,790 9.16%
100% 2068 $121,464 $68 $15 $121,381 $49,790 9.48%
100% 2069 $123,893 $70 $15 $123,808 $49,790 9.83%
100% 2070 $126,371 $71 $15 $126,285 $49,790 10.22%
100% 2071 $128,898 $72 $16 $128,810 $49,790 10.65%
100% 2072 $131,476 $74 $16 $131,386 $49,790 11.13%
100% 2073 $134,106 $75 $16 $134,014 $49,790 11.68%
100% 2074 $136,788 $77 $16 $136,694 $49,790 12.31%
100% 2075 $0 $10,042 $2,092 $0 $0 0.00%
#DIV/0! 2076 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2077 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2078 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2079 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2080 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2081 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2082 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2083 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2084 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2085 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2086 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2087 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2088 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2089 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2090 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2091 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2092 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2093 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2094 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2095 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2096 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2097 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2098 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2099 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2100 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2101 $0 #VALUE! $0 $0 $0 0.00%
#DIV/0! 2102 $0 #VALUE! $0 $0 $0 0.00%

$10,042 $2,092

$10,042 $2,092
 Loss weight
01-20 0.00 1
21-40 0.00 0
41-60 0.00 0
61-80 0.00 0

Loss
0

While alive

CF Needs over/under Tax-Free Ord Income Div/LT gains

$49,790 $0 $0 $25,100 $80,445

$50,786 $0 $0 $25,602 $79,107
$51,802 $0 $0 $26,114 $76,442
$52,838 $0 $0 $26,636 $73,473
$53,894 $0 $0 $27,169 $70,142
$54,972 $0 $0 $27,712 $66,379
$56,072 $0 $0 $28,267 $39,542
$57,193 $0 $0 $28,832 $20,769
$58,337 $0 $0 $29,409 $18,948
$59,504 $0 $0 $29,997 $16,978
$60,694 $0 $0 $30,597 $14,852
$61,908 $0 $0 $31,209 $12,560
$63,146 $0 $0 $31,833 $10,092
$64,409 $0 $0 $32,470 $3,451
$65,697 $0 $0 $33,119 $3,688
$67,011 $0 $0 $33,781 $3,915
$68,351 $0 $0 $34,457 $4,130
$69,718 $0 $0 $35,146 $4,335
$71,112 $0 $0 $35,849 $4,529
$72,535 $0 $0 $36,566 $4,713
$73,985 $0 $0 $37,297 $4,887
 $75,465 $0 $0 $38,043 $5,050
$76,974 $0 $0 $38,804 $5,204
$78,514 $0 $0 $39,580 $0
$80,084 $0 $0 $40,372 $0
$81,686 $0 $0 $41,179 $0
$83,319 $0 $0 $42,003 $0
$84,986 $0 $0 $42,843 $0
$86,686 $0 $0 $43,700 $0
$88,419 $0 $0 $44,574 $0
$90,188 $0 $0 $45,465 $0
$91,991 $0 $0 $46,374 $0
$93,831 $0 $0 $47,302 $0
$95,708 $0 $0 $48,248 $0
$97,622 $0 $0 $49,213 $0
$99,575 $0 $0 $46,437 $0
$101,566 $0 $0 $34,678 $0
$103,597 $0 $0 $35,372 $0
$105,669 $0 $0 $36,079 $0
$107,783 $0 $0 $27,600 $0
$109,938 $0 $0 $28,153 $0
$112,137 $0 $0 $28,716 $0
$114,380 $0 $0 $29,290 $0
$116,667 $0 $0 $29,876 $0
$119,001 $0 $0 $30,473 $0
$121,381 $0 $0 $31,083 $0
$123,808 $0 $0 $31,704 $0
$126,285 $0 $0 $32,338 $0
$128,810 $0 $0 $32,985 $0
$131,386 $0 $0 $33,645 $0
$134,014 $0 $0 $34,318 $0
$136,694 $0 $0 $35,004 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
 For heirs For Tax Calc Fed Tax% - O

Div/LT
Ord Income Ord Income Div/LT gains Ord+Div+CG StdDed
gains 1 2
$0 $0 $25,100 $80,445 $105,545 $25,100 10% 12%
$0 $0 $25,602 $79,107 $104,709 $25,602 10% 12%
$0 $0 $26,114 $76,442 $102,556 $26,114 10% 12%
$0 $0 $26,636 $73,473 $100,109 $26,636 10% 12%
$0 $0 $27,169 $70,142 $97,311 $27,169 10% 12%
$0 $0 $27,712 $66,379 $94,092 $27,712 10% 12%
$0 $0 $28,267 $39,542 $67,809 $28,267 10% 12%
$0 $0 $28,832 $20,769 $49,601 $28,832 10% 12%
$0 $0 $29,409 $18,948 $48,356 $29,409 10% 12%
$0 $0 $29,997 $16,978 $46,975 $29,997 10% 12%
$0 $0 $30,597 $14,852 $45,449 $30,597 10% 12%
$0 $0 $31,209 $12,560 $43,769 $31,209 10% 12%
$0 $0 $31,833 $10,092 $41,925 $31,833 10% 12%
$0 $0 $32,470 $3,451 $35,920 $32,470 11% 13%
$0 $0 $33,119 $3,688 $36,807 $33,119 11% 13%
$0 $0 $33,781 $3,915 $37,696 $33,781 11% 13%
$0 $0 $34,457 $4,130 $38,587 $34,457 11% 13%
$0 $0 $35,146 $4,335 $39,481 $35,146 12% 14%
$0 $0 $35,849 $4,529 $40,378 $35,849 12% 14%
$0 $0 $36,566 $4,713 $41,279 $36,566 12% 14%
$0 $0 $37,297 $4,887 $42,184 $37,297 12% 14%
 $0 $0 $38,043 $5,050 $43,094 $38,043 13% 15%
$0 $0 $38,804 $5,204 $44,008 $38,804 13% 15%
$0 $0 $39,580 $0 $39,580 $39,580 13% 15%
$0 $0 $40,372 $0 $40,372 $40,372 13% 15%
$0 $0 $41,179 $0 $41,179 $41,179 14% 16%
$0 $0 $42,003 $0 $42,003 $42,003 14% 16%
$0 $0 $42,843 $0 $42,843 $42,843 14% 16%
$0 $0 $43,700 $0 $43,700 $43,700 14% 16%
$0 $0 $44,574 $0 $44,574 $44,574 14% 16%
$0 $0 $45,465 $0 $45,465 $45,465 14% 16%
$0 $0 $46,374 $0 $46,374 $46,374 14% 16%
$0 $0 $47,302 $0 $47,302 $47,302 14% 16%
$0 $0 $48,248 $0 $48,248 $48,248 14% 16%
$0 $0 $49,213 $0 $49,213 $49,213 14% 16%
$0 $0 $46,437 $0 $46,437 $50,197 14% 16%
$0 $0 $34,678 $0 $34,678 $51,201 14% 16%
$0 $0 $35,372 $0 $35,372 $52,225 14% 16%
$0 $0 $36,079 $0 $36,079 $53,270 14% 16%
$0 $0 $27,600 $0 $27,600 $27,168 14% 16%
$0 $0 $28,153 $0 $28,153 $27,711 14% 16%
$0 $0 $28,716 $0 $28,716 $28,265 14% 16%
$0 $0 $29,290 $0 $29,290 $28,830 14% 16%
$0 $0 $29,876 $0 $29,876 $29,407 14% 16%
$0 $0 $30,473 $0 $30,473 $29,995 14% 16%
$0 $0 $31,083 $0 $31,083 $30,595 14% 16%
$0 $0 $31,704 $0 $31,704 $31,207 14% 16%
$0 $0 $32,338 $0 $32,338 $31,831 14% 16%
$0 $0 $32,985 $0 $32,985 $32,468 14% 16%
$0 $0 $33,645 $0 $33,645 $33,117 14% 16%
$0 $0 $34,318 $0 $34,318 $33,779 14% 16%
$0 $0 $35,004 $0 $35,004 $34,455 14% 16%
$140,016 $0 $140,016 $0 $140,016 $70,288 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
 $0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%
$0 $0 $0 $0 $0 NaN 14% 16%

$140,016 $0 $140,016 $0 $140,016 $70,288 14% 16%

$140,016 $0 $140,016 $0 $140,016 $70,288 14% 16%

Fed Tax% - Ordinary Fed Tax% Cap Gains/Dividends Tax kink poi

3 4 5 6 7 1 2 3 0 1
22% 24% 32% 35% 37% 0% 15% 20% 0 $19,900
22% 24% 32% 35% 37% 0% 15% 20% 0 $20,298
22% 24% 32% 35% 37% 0% 15% 20% 0 $20,704
22% 24% 32% 35% 37% 0% 15% 20% 0 $21,118
22% 24% 32% 35% 37% 0% 15% 20% 0 $21,540
25% 28% 33% 35% 40% 0% 15% 20% 0 $21,971
25% 28% 33% 35% 40% 0% 15% 20% 0 $22,411
25% 28% 33% 35% 40% 0% 15% 20% 0 $22,859
25% 28% 33% 35% 40% 0% 15% 20% 0 $23,316
26% 29% 34% 36% 41% 0% 16% 21% 0 $23,782
26% 29% 34% 36% 41% 0% 16% 21% 0 $24,258
26% 29% 34% 36% 41% 0% 16% 21% 0 $24,743
26% 29% 34% 36% 41% 0% 16% 21% 0 $25,238
27% 30% 35% 37% 42% 1% 17% 22% 0 $25,743
27% 30% 35% 37% 42% 1% 17% 22% 0 $26,258
27% 30% 35% 37% 42% 1% 17% 22% 0 $26,783
27% 30% 35% 37% 42% 1% 17% 22% 0 $27,318
28% 31% 36% 38% 43% 2% 18% 23% 0 $27,865
28% 31% 36% 38% 43% 2% 18% 23% 0 $28,422
28% 31% 36% 38% 43% 2% 18% 23% 0 $28,991
28% 31% 36% 38% 43% 2% 18% 23% 0 $29,570
29% 32% 37% 39% 44% 3% 19% 24% 0 $30,162
29% 32% 37% 39% 44% 3% 19% 24% 0 $30,765
29% 32% 37% 39% 44% 3% 19% 24% 0 $31,380
29% 32% 37% 39% 44% 3% 19% 24% 0 $32,008
30% 33% 38% 40% 45% 4% 20% 25% 0 $32,648
30% 33% 38% 40% 45% 4% 20% 25% 0 $33,301
30% 33% 38% 40% 45% 4% 20% 25% 0 $33,967
30% 33% 38% 40% 45% 4% 20% 25% 0 $34,646
30% 33% 38% 40% 45% 4% 20% 25% 0 $35,339
30% 33% 38% 40% 45% 4% 20% 25% 0 $36,046
30% 33% 38% 40% 45% 4% 20% 25% 0 $36,767
30% 33% 38% 40% 45% 4% 20% 25% 0 $37,502
30% 33% 38% 40% 45% 4% 20% 25% 0 $38,252
30% 33% 38% 40% 45% 4% 20% 25% 0 $39,017
30% 33% 38% 40% 45% 4% 20% 25% 0 $39,798
30% 33% 38% 40% 45% 4% 20% 25% 0 $40,594
30% 33% 38% 40% 45% 4% 20% 25% 0 $41,406
30% 33% 38% 40% 45% 4% 20% 25% 0 $42,234
30% 33% 38% 40% 45% 4% 20% 25% 0 $21,539
30% 33% 38% 40% 45% 4% 20% 25% 0 $21,970
30% 33% 38% 40% 45% 4% 20% 25% 0 $22,409
30% 33% 38% 40% 45% 4% 20% 25% 0 $22,858
30% 33% 38% 40% 45% 4% 20% 25% 0 $23,315
30% 33% 38% 40% 45% 4% 20% 25% 0 $23,781
30% 33% 38% 40% 45% 4% 20% 25% 0 $24,257
30% 33% 38% 40% 45% 4% 20% 25% 0 $24,742
30% 33% 38% 40% 45% 4% 20% 25% 0 $25,237
30% 33% 38% 40% 45% 4% 20% 25% 0 $25,741
30% 33% 38% 40% 45% 4% 20% 25% 0 $26,256
30% 33% 38% 40% 45% 4% 20% 25% 0 $26,781
30% 33% 38% 40% 45% 4% 20% 25% 0 $27,317
30% 33% 38% 40% 45% 4% 20% 25% 0 $55,727
30% 33% 38% 40% 45% 4% 20% 25% 0 $28,421
30% 33% 38% 40% 45% 4% 20% 25% 0 $28,989
30% 33% 38% 40% 45% 4% 20% 25% 0 $29,569
30% 33% 38% 40% 45% 4% 20% 25% 0 $30,160
30% 33% 38% 40% 45% 4% 20% 25% 0 $30,763
30% 33% 38% 40% 45% 4% 20% 25% 0 $31,379
30% 33% 38% 40% 45% 4% 20% 25% 0 $32,006
30% 33% 38% 40% 45% 4% 20% 25% 0 $32,646
30% 33% 38% 40% 45% 4% 20% 25% 0 $33,299
30% 33% 38% 40% 45% 4% 20% 25% 0 $33,965
30% 33% 38% 40% 45% 4% 20% 25% 0 $34,644
30% 33% 38% 40% 45% 4% 20% 25% 0 $35,337
30% 33% 38% 40% 45% 4% 20% 25% 0 $36,044
30% 33% 38% 40% 45% 4% 20% 25% 0 $36,765
30% 33% 38% 40% 45% 4% 20% 25% 0 $37,500
30% 33% 38% 40% 45% 4% 20% 25% 0 $38,250
30% 33% 38% 40% 45% 4% 20% 25% 0 $39,015
30% 33% 38% 40% 45% 4% 20% 25% 0 $39,796
30% 33% 38% 40% 45% 4% 20% 25% 0 $40,592
30% 33% 38% 40% 45% 4% 20% 25% 0 $41,403
30% 33% 38% 40% 45% 4% 20% 25% 0 $42,231
30% 33% 38% 40% 45% 4% 20% 25% 0 $43,076
30% 33% 38% 40% 45% 4% 20% 25% 0 $43,938
30% 33% 38% 40% 45% 4% 20% 25% 0 $44,816
30% 33% 38% 40% 45% 4% 20% 25% 0 $45,713
30% 33% 38% 40% 45% 4% 20% 25% 0 $46,627
30% 33% 38% 40% 45% 4% 20% 25% 0 $47,559

30% 33% 38% 40% 45% 4% 20% 25% 0 $55,727

30% 33% 38% 40% 45% 4% 20% 25% 0 $55,727

 Tax kink points - Cap
Tax kink points - Ordinary Gains/Dividends

2 3 4 5 6 0 1 2
$81,050 $172,750 $329,850 $418,850 $628,300 $0 $80,800 $445,850
$82,671 $176,205 $336,447 $427,227 $640,866 $0 $82,416 $454,767
$84,324 $179,729 $343,176 $435,772 $653,683 $0 $84,064 $463,862
$86,011 $183,324 $350,039 $444,487 $666,757 $0 $85,746 $473,140
$87,731 $186,990 $357,040 $453,377 $680,092 $0 $87,461 $482,602
$89,486 $190,730 $364,181 $462,444 $693,694 $0 $89,210 $492,254
$91,275 $194,545 $371,465 $471,693 $707,568 $0 $90,994 $502,100
$93,101 $198,435 $378,894 $481,127 $721,719 $0 $92,814 $512,142
$94,963 $202,404 $386,472 $490,750 $736,154 $0 $94,670 $522,384
$96,862 $206,452 $394,201 $500,565 $750,877 $0 $96,563 $532,832
$98,799 $210,581 $402,085 $510,576 $765,894 $0 $98,495 $543,489
$100,775 $214,793 $410,127 $520,787 $781,212 $0 $100,465 $554,358
$102,791 $219,089 $418,330 $531,203 $796,836 $0 $102,474 $565,446
$104,847 $223,471 $426,696 $541,827 $812,773 $0 $104,523 $576,755
$106,944 $227,940 $435,230 $552,664 $829,029 $0 $106,614 $588,290
$109,083 $232,499 $443,935 $563,717 $845,609 $0 $108,746 $600,055
$111,264 $237,149 $452,813 $574,991 $862,521 $0 $110,921 $612,057
$113,490 $241,892 $461,870 $586,491 $879,772 $0 $113,140 $624,298
$115,759 $246,730 $471,107 $598,221 $897,367 $0 $115,402 $636,784
$118,075 $251,664 $480,529 $610,185 $915,314 $0 $117,710 $649,519
$120,436 $256,697 $490,140 $622,389 $933,621 $0 $120,065 $662,510
$122,845 $261,831 $499,943 $634,837 $952,293 $0 $122,466 $675,760
$125,302 $267,068 $509,941 $647,534 $971,339 $0 $124,915 $689,275
$127,808 $272,409 $520,140 $660,484 $990,766 $0 $127,413 $703,061
$130,364 $277,858 $530,543 $673,694 $1,010,581 $0 $129,962 $717,122
$132,971 $283,415 $541,154 $687,168 $1,030,793 $0 $132,561 $731,464
$135,631 $289,083 $551,977 $700,911 $1,051,409 $0 $135,212 $746,093
$138,343 $294,865 $563,017 $714,929 $1,072,437 $0 $137,916 $761,015
$141,110 $300,762 $574,277 $729,228 $1,093,886 $0 $140,675 $776,236
$143,932 $306,777 $585,762 $743,813 $1,115,763 $0 $143,488 $791,760
$146,811 $312,913 $597,478 $758,689 $1,138,078 $0 $146,358 $807,596
$149,747 $319,171 $609,427 $773,863 $1,160,840 $0 $149,285 $823,747
$152,742 $325,554 $621,616 $789,340 $1,184,057 $0 $152,271 $840,222
$155,797 $332,065 $634,048 $805,127 $1,207,738 $0 $155,316 $857,027
$158,913 $338,707 $646,729 $821,229 $1,231,893 $0 $158,423 $874,167
$162,091 $345,481 $659,664 $837,654 $1,256,531 $0 $161,591 $891,651
$165,333 $352,391 $672,857 $854,407 $1,281,661 $0 $164,823 $909,484
$168,640 $359,438 $686,314 $871,495 $1,307,294 $0 $168,119 $927,673
$172,012 $366,627 $700,040 $888,925 $1,333,440 $0 $171,482 $946,227
$87,726 $186,980 $357,021 $453,352 $1,133,460 $0 $87,456 $965,151
$89,481 $190,719 $364,161 $462,419 $1,156,130 $0 $89,205 $984,454
$91,270 $194,534 $371,444 $471,667 $1,179,252 $0 $90,989 $1,004,144
$93,096 $198,424 $378,873 $481,100 $1,202,837 $0 $92,809 $1,024,226
$94,958 $202,393 $386,451 $490,722 $1,226,894 $0 $94,665 $1,044,711
$96,857 $206,441 $394,180 $500,537 $1,251,432 $0 $96,558 $1,065,605
$98,794 $210,570 $402,063 $510,548 $1,276,460 $0 $98,489 $1,086,917
$100,770 $214,781 $410,104 $520,759 $1,301,990 $0 $100,459 $1,108,656
$102,785 $219,077 $418,306 $531,174 $1,328,029 $0 $102,468 $1,130,829
$104,841 $223,458 $426,673 $541,797 $1,354,590 $0 $104,518 $1,153,445
$106,938 $227,927 $435,206 $552,633 $1,381,682 $0 $106,608 $1,176,514
$109,077 $232,486 $443,910 $563,686 $1,409,315 $0 $108,740 $1,200,045
$111,258 $237,136 $452,788 $574,960 $1,437,502 $0 $110,915 $1,224,045
$226,967 $483,757 $923,688 $1,172,917 $1,759,446 $0 $226,267 $1,248,526
$115,753 $246,716 $471,081 $598,188 $1,495,577 $0 $115,396 $1,273,497
$118,068 $251,650 $480,503 $610,152 $1,525,488 $0 $117,704 $1,298,967
$120,429 $256,683 $490,113 $622,355 $1,555,998 $0 $120,058 $1,324,946
$122,838 $261,817 $499,915 $634,802 $1,587,118 $0 $122,459 $1,351,445
$125,295 $267,053 $509,913 $647,498 $1,618,861 $0 $124,908 $1,378,474
$127,801 $272,394 $520,111 $660,448 $1,651,238 $0 $127,406 $1,406,043
$130,357 $277,842 $530,514 $673,657 $1,684,262 $0 $129,955 $1,434,164
$132,964 $283,399 $541,124 $687,130 $1,717,948 $0 $132,554 $1,462,848
$135,623 $289,067 $551,946 $700,872 $1,752,307 $0 $135,205 $1,492,105
$138,336 $294,848 $562,985 $714,890 $1,787,353 $0 $137,909 $1,521,947
$141,102 $300,745 $574,245 $729,188 $1,823,100 $0 $140,667 $1,552,386
$143,924 $306,760 $585,730 $743,771 $1,859,562 $0 $143,480 $1,583,433
$146,803 $312,895 $597,445 $758,647 $1,896,753 $0 $146,350 $1,615,102
$149,739 $319,153 $609,394 $773,820 $1,934,688 $0 $149,277 $1,647,404
$152,734 $325,536 $621,581 $789,296 $1,973,382 $0 $152,262 $1,680,352
$155,788 $332,047 $634,013 $805,082 $2,012,850 $0 $155,308 $1,713,959
$158,904 $338,688 $646,693 $821,184 $2,053,107 $0 $158,414 $1,748,238
$162,082 $345,462 $659,627 $837,607 $2,094,169 $0 $161,582 $1,783,203
$165,324 $352,371 $672,820 $854,360 $2,136,052 $0 $164,814 $1,818,867
$168,630 $359,418 $686,276 $871,447 $2,178,773 $0 $168,110 $1,855,244
$172,003 $366,607 $700,002 $888,876 $2,222,349 $0 $171,472 $1,892,349
$175,443 $373,939 $714,002 $906,653 $2,266,796 $0 $174,902 $1,930,196
$178,952 $381,418 $728,282 $924,786 $2,312,131 $0 $178,400 $1,968,800
$182,531 $389,046 $742,847 $943,282 $2,358,374 $0 $181,968 $2,008,176
$186,181 $396,827 $757,704 $962,148 $2,405,542 $0 $185,607 $2,048,340
$189,905 $404,764 $772,858 $981,391 $2,453,652 $0 $189,319 $2,089,307
$193,703 $412,859 $788,315 $1,001,018 $2,502,725 $0 $193,106 $2,131,093

$226,967 $483,757 $923,688 $1,172,917 $1,759,446 $0 $226,267 $1,248,526

$226,967 $483,757 $923,688 $1,172,917 $1,759,446 $0 $226,267 $1,248,526

 Intercepts - Federal Ordinary Intercepts - Federal CapGains

0 1 2 3 4 5 6 0 1 2
$0 $1,990 $9,328 $29,502 $67,206 $95,686 $168,994 $0 $0 $54,758
$0 $2,030 $9,515 $30,092 $68,550 $97,600 $172,373 $0 $0 $55,853
$0 $2,070 $9,705 $30,694 $69,921 $99,552 $175,821 $0 $0 $56,970
$0 $2,112 $9,899 $31,308 $71,320 $101,543 $179,337 $0 $0 $58,109
$0 $2,154 $10,097 $31,934 $72,746 $103,574 $182,924 $0 $0 $59,271
$0 $2,197 $10,299 $35,610 $84,176 $116,603 $197,540 $0 $0 $60,457
$0 $2,241 $10,505 $36,322 $85,860 $118,935 $201,491 $0 $0 $61,666
$0 $2,286 $10,715 $37,049 $87,577 $121,314 $205,521 $0 $0 $62,899
$0 $2,332 $10,929 $37,790 $89,328 $123,740 $209,632 $0 $0 $64,157
$0 $2,378 $11,148 $39,641 $94,088 $130,252 $220,364 $0 $0 $69,803
$0 $2,426 $11,371 $40,434 $95,970 $132,857 $224,772 $0 $0 $71,199
$0 $2,474 $11,598 $41,243 $97,890 $135,514 $229,267 $0 $0 $72,623
$0 $2,524 $11,830 $42,068 $99,847 $138,224 $233,852 $0 $0 $74,075
$0 $2,832 $13,115 $45,144 $106,111 $146,407 $246,657 $0 $1,045 $80,279
$0 $2,888 $13,378 $46,047 $108,234 $149,335 $251,590 $0 $1,066 $81,885
$0 $2,946 $13,645 $46,967 $110,398 $152,322 $256,622 $0 $1,087 $83,523
$0 $3,005 $13,918 $47,907 $112,606 $155,368 $261,755 $0 $1,109 $85,193
$0 $3,344 $15,331 $51,284 $119,477 $164,341 $275,787 $0 $2,263 $92,008
$0 $3,411 $15,638 $52,310 $121,867 $167,628 $281,303 $0 $2,308 $93,849
$0 $3,479 $15,951 $53,356 $124,304 $170,980 $286,929 $0 $2,354 $95,726
$0 $3,548 $16,270 $54,423 $126,790 $174,400 $292,668 $0 $2,401 $97,640
$0 $3,921 $17,823 $58,130 $134,325 $184,236 $308,044 $0 $3,674 $105,126
$0 $3,999 $18,180 $59,292 $137,012 $187,921 $314,205 $0 $3,747 $107,228
$0 $4,079 $18,544 $60,478 $139,752 $191,679 $320,489 $0 $3,822 $109,373
$0 $4,161 $18,914 $61,688 $142,547 $195,513 $326,899 $0 $3,899 $111,560
$0 $4,571 $20,622 $65,755 $150,809 $206,295 $343,745 $0 $5,302 $119,781
$0 $4,662 $21,035 $67,071 $153,826 $210,421 $350,620 $0 $5,408 $122,176
$0 $4,755 $21,456 $68,412 $156,902 $214,629 $357,632 $0 $5,517 $124,620
$0 $4,850 $21,885 $69,780 $160,040 $218,922 $364,785 $0 $5,627 $127,112
$0 $4,948 $22,322 $71,176 $163,241 $223,300 $372,080 $0 $5,740 $129,654
$0 $5,046 $22,769 $72,599 $166,506 $227,766 $379,522 $0 $5,854 $132,248
$0 $5,147 $23,224 $74,051 $169,836 $232,321 $387,112 $0 $5,971 $134,892
$0 $5,250 $23,689 $75,532 $173,233 $236,968 $394,855 $0 $6,091 $137,590
$0 $5,355 $24,162 $77,043 $176,697 $241,707 $402,752 $0 $6,213 $140,342
$0 $5,462 $24,646 $78,584 $180,231 $246,541 $410,807 $0 $6,337 $143,149
$0 $5,572 $25,139 $80,156 $183,836 $251,472 $419,023 $0 $6,464 $146,012
$0 $5,683 $25,641 $81,759 $187,513 $256,502 $427,403 $0 $6,593 $148,932
$0 $5,797 $26,154 $83,394 $191,263 $261,632 $435,951 $0 $6,725 $151,911
$0 $5,913 $26,677 $85,062 $195,088 $266,864 $444,670 $0 $6,859 $154,949
$0 $3,015 $13,605 $43,381 $99,495 $136,101 $408,144 $0 $3,498 $175,539
$0 $3,076 $13,878 $44,249 $101,485 $138,823 $416,307 $0 $3,568 $179,050
$0 $3,137 $14,155 $45,134 $103,515 $141,599 $424,633 $0 $3,640 $182,631
$0 $3,200 $14,438 $46,037 $105,585 $144,431 $433,126 $0 $3,712 $186,284
$0 $3,264 $14,727 $46,958 $107,696 $147,320 $441,788 $0 $3,787 $190,009
$0 $3,329 $15,021 $47,897 $109,850 $150,266 $450,624 $0 $3,862 $193,809
$0 $3,396 $15,322 $48,855 $112,047 $153,272 $459,637 $0 $3,940 $197,686
$0 $3,464 $15,628 $49,832 $114,288 $156,337 $468,829 $0 $4,018 $201,639
$0 $3,533 $15,941 $50,828 $116,574 $159,464 $478,206 $0 $4,099 $205,672
$0 $3,604 $16,260 $51,845 $118,906 $162,653 $487,770 $0 $4,181 $209,786
$0 $3,676 $16,585 $52,882 $121,284 $165,906 $497,526 $0 $4,264 $213,981
$0 $3,749 $16,917 $53,939 $123,709 $169,224 $507,476 $0 $4,350 $218,261
$0 $3,824 $17,255 $55,018 $126,184 $172,609 $517,626 $0 $4,437 $222,626
$0 $7,802 $35,200 $112,237 $257,415 $352,122 $586,733 $0 $9,051 $204,452
$0 $3,979 $17,952 $57,241 $131,281 $179,582 $538,538 $0 $4,616 $231,620
$0 $4,058 $18,311 $58,386 $133,907 $183,174 $549,308 $0 $4,708 $236,253
$0 $4,140 $18,677 $59,553 $136,585 $186,837 $560,295 $0 $4,802 $240,978
$0 $4,222 $19,051 $60,745 $139,317 $190,574 $571,500 $0 $4,898 $245,797
$0 $4,307 $19,432 $61,959 $142,103 $194,385 $582,930 $0 $4,996 $250,713
$0 $4,393 $19,821 $63,199 $144,945 $198,273 $594,589 $0 $5,096 $255,727
$0 $4,481 $20,217 $64,463 $147,844 $202,239 $606,481 $0 $5,198 $260,842
$0 $4,570 $20,621 $65,752 $150,801 $206,283 $618,610 $0 $5,302 $266,059
$0 $4,662 $21,034 $67,067 $153,817 $210,409 $630,983 $0 $5,408 $271,380
$0 $4,755 $21,454 $68,408 $156,893 $214,617 $643,602 $0 $5,516 $276,808
$0 $4,850 $21,883 $69,776 $160,031 $218,910 $656,474 $0 $5,627 $282,344
$0 $4,947 $22,321 $71,172 $163,232 $223,288 $669,604 $0 $5,739 $287,991
$0 $5,046 $22,768 $72,595 $166,497 $227,753 $682,996 $0 $5,854 $293,750
$0 $5,147 $23,223 $74,047 $169,827 $232,309 $696,656 $0 $5,971 $299,625
$0 $5,250 $23,687 $75,528 $173,223 $236,955 $710,589 $0 $6,090 $305,618
$0 $5,355 $24,161 $77,039 $176,688 $241,694 $724,801 $0 $6,212 $311,730
$0 $5,462 $24,644 $78,580 $180,221 $246,528 $739,297 $0 $6,337 $317,965
$0 $5,571 $25,137 $80,151 $183,826 $251,458 $754,083 $0 $6,463 $324,324
$0 $5,683 $25,640 $81,754 $187,502 $256,487 $769,164 $0 $6,593 $330,811
$0 $5,796 $26,153 $83,389 $191,252 $261,617 $784,548 $0 $6,724 $337,427
$0 $5,912 $26,676 $85,057 $195,077 $266,849 $800,239 $0 $6,859 $344,175
$0 $6,031 $27,209 $86,758 $198,979 $272,186 $816,243 $0 $6,996 $351,059
$0 $6,151 $27,754 $88,493 $202,958 $277,630 $832,568 $0 $7,136 $358,080
$0 $6,274 $28,309 $90,263 $207,018 $283,183 $849,220 $0 $7,279 $365,242
$0 $6,400 $28,875 $92,068 $211,158 $288,846 $866,204 $0 $7,424 $372,547
$0 $6,528 $29,452 $93,910 $215,381 $294,623 $883,528 $0 $7,573 $379,997
$0 $6,658 $30,041 $95,788 $219,689 $300,516 $901,199 $0 $7,724 $387,597

$0 $7,802 $35,200 $112,237 $257,415 $352,122 $586,733 $0 $9,051 $204,452

$0 $7,802 $35,200 $112,237 $257,415 $352,122 $586,733 $0 $9,051 $204,452

Income minus Deduction Tax bracket Tax Formula

1) 2) 3) 1) 2) 3)
OrdInc-Ded TotalInc-Dec
Ord/Ord Tot/Cap Ord/Cap Ord/Ord Tot/Cap Ord/Cap
$0 $80,445 1 1 1 $0 $0 $0
$0 $79,107 1 1 1 $0 $0 $0
$0 $76,442 1 1 1 $0 $0 $0
$0 $73,473 1 1 1 $0 $0 $0
$0 $70,142 1 1 1 $0 $0 $0
$0 $66,379 1 1 1 $0 $0 $0
$0 $39,542 1 1 1 $0 $0 $0
$0 $20,769 1 1 1 $0 $0 $0
$0 $18,948 1 1 1 $0 $0 $0
$0 $16,978 1 1 1 $0 $0 $0
$0 $14,852 1 1 1 $0 $0 $0
$0 $12,560 1 1 1 $0 $0 $0
$0 $10,092 1 1 1 $0 $0 $0
$0 $3,450 1 1 1 $0 $35 $0
$0 $3,688 1 1 1 $0 $37 $0
$0 $3,915 1 1 1 $0 $39 $0
$0 $4,130 1 1 1 $0 $41 $0
$0 $4,335 1 1 1 $0 $87 $0
$0 $4,529 1 1 1 $0 $91 $0
$0 $4,713 1 1 1 $0 $94 $0
$0 $4,887 1 1 1 $0 $98 $0
 $0 $5,050 1 1 1 $0 $152 $0
$0 $5,204 1 1 1 $0 $156 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$0 $0 1 1 1 $0 $0 $0
$433 $433 1 1 1 $61 $17 $17
$442 $442 1 1 1 $62 $18 $18
$450 $450 1 1 1 $63 $18 $18
$459 $459 1 1 1 $64 $18 $18
$469 $469 1 1 1 $66 $19 $19
$478 $478 1 1 1 $67 $19 $19
$488 $488 1 1 1 $68 $20 $20
$497 $497 1 1 1 $70 $20 $20
$507 $507 1 1 1 $71 $20 $20
$517 $517 1 1 1 $72 $21 $21
$528 $528 1 1 1 $74 $21 $21
$538 $538 1 1 1 $75 $22 $22
$549 $549 1 1 1 $77 $22 $22
$69,728 $69,728 2 1 1 $10,042 $2,789 $2,789
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
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#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

$69,728 $69,728 2 1 1 $10,042 $2,789 $2,789

$69,728 $69,728 2 1 1 $10,042 $2,789 $2,789

 Marg Tax
Rates
Tax =(1) Fed Ord Fed Ord Inc CapGains
1 2 3 State
1+(2) -(3) Income CapGains Combined Combined
$0 0% 0% 0% 0% 0% 0% 2023 0% 0%
$0 0% 0% 0% 0% 0% 0% 2024 0% 0%
$0 0% 0% 0% 0% 0% 0% 2025 0% 0%
$0 0% 0% 0% 0% 0% 0% 2026 0% 0%
$0 0% 0% 0% 0% 0% 0% 2027 0% 0%
$0 0% 0% 0% 0% 0% 0% 2028 0% 0%
$0 0% 0% 0% 0% 0% 0% 2029 0% 0%
$0 0% 0% 0% 0% 0% 0% 2030 0% 0%
$0 0% 0% 0% 0% 0% 0% 2031 0% 0%
$0 0% 0% 0% 0% 0% 0% 2032 0% 0%
$0 0% 0% 0% 0% 0% 0% 2033 0% 0%
$0 0% 0% 0% 0% 0% 0% 2034 0% 0%
$0 0% 0% 0% 0% 0% 0% 2035 0% 0%
$35 0% 1% 0% 1% 1% 3% 2036 4% 4%
$37 0% 1% 0% 1% 1% 3% 2037 4% 4%
$39 0% 1% 0% 1% 1% 3% 2038 4% 4%
$41 0% 1% 0% 1% 1% 3% 2039 4% 4%
$87 0% 2% 0% 2% 2% 3% 2040 5% 5%
$91 0% 2% 0% 2% 2% 3% 2041 5% 5%
$94 0% 2% 0% 2% 2% 3% 2042 5% 5%
$98 0% 2% 0% 2% 2% 3% 2043 5% 5%
 $152 0% 3% 0% 3% 3% 3% 2044 6% 6%
$156 0% 3% 0% 3% 3% 3% 2045 6% 6%
$0 0% 0% 0% 0% 0% 3% 2046 3% 3%
$0 0% 0% 0% 0% 0% 3% 2047 3% 3%
$0 0% 0% 0% 0% 0% 3% 2048 3% 3%
$0 0% 0% 0% 0% 0% 3% 2049 3% 3%
$0 0% 0% 0% 0% 0% 3% 2050 3% 3%
$0 0% 0% 0% 0% 0% 3% 2051 3% 3%
$0 0% 0% 0% 0% 0% 3% 2052 3% 3%
$0 0% 0% 0% 0% 0% 3% 2053 3% 3%
$0 0% 0% 0% 0% 0% 3% 2054 3% 3%
$0 0% 0% 0% 0% 0% 3% 2055 3% 3%
$0 0% 0% 0% 0% 0% 3% 2056 3% 3%
$0 0% 0% 0% 0% 0% 3% 2057 3% 3%
$0 0% 0% 0% 0% 0% 3% 2058 3% 3%
$0 0% 0% 0% 0% 0% 3% 2059 3% 3%
$0 0% 0% 0% 0% 0% 3% 2060 3% 3%
$0 0% 0% 0% 0% 0% 3% 2061 3% 3%
$61 14% 4% 4% 14% 4% 3% 2062 17% 7%
$62 14% 4% 4% 14% 4% 3% 2063 17% 7%
$63 14% 4% 4% 14% 4% 3% 2064 17% 7%
$64 14% 4% 4% 14% 4% 3% 2065 17% 7%
$66 14% 4% 4% 14% 4% 3% 2066 17% 7%
$67 14% 4% 4% 14% 4% 3% 2067 17% 7%
$68 14% 4% 4% 14% 4% 3% 2068 17% 7%
$70 14% 4% 4% 14% 4% 3% 2069 17% 7%
$71 14% 4% 4% 14% 4% 3% 2070 17% 7%
$72 14% 4% 4% 14% 4% 3% 2071 17% 7%
$74 14% 4% 4% 14% 4% 3% 2072 17% 7%
$75 14% 4% 4% 14% 4% 3% 2073 17% 7%
$77 14% 4% 4% 14% 4% 3% 2074 17% 7%
$10,042 16% 4% 4% 16% 4% 3% 2075 19% 7%
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2076 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2077 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2078 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2079 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2080 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2081 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2082 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2083 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2084 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2085 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2086 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2087 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2088 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2089 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2090 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2091 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2092 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2093 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2094 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2095 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2096 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2097 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2098 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2099 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2100 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2101 #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 3% 2102 #VALUE! #VALUE!

$10,042 16% 4% 4% 16% 4% 3%

$10,042 16% 4% 4% 16% 4% 3%

 State Tax
Space Left
Rates
0% Cap
Fed Std Fed 10% Fed 12%
Gains StdDed
Ded br Ord br Ord 1 2
bracket
$0 $19,900 $61,150 $355 25100 0% 0%
$0 $20,298 $62,373 $3,309 25602 0% 0%
$0 $20,704 $63,620 $7,622 26114.04 0% 0%
$0 $21,118 $64,893 $12,273 26636.32 0% 0%
$0 $21,540 $66,191 $17,319 27169.05 0% 0%
$0 $21,971 $67,515 $22,830 27712.43 0% 0%
$0 $22,411 $68,865 $51,452 28266.68 0% 0%
$0 $22,859 $70,242 $72,045 28832.01 0% 0%
$0 $23,316 $71,647 $75,722 29408.65 0% 0%
$0 $23,782 $73,080 $79,585 29996.82 0% 0%
$0 $24,258 $74,542 $83,643 30596.76 0% 0%
$0 $24,743 $76,032 $87,905 31208.7 0% 0%
$0 $25,238 $77,553 $92,381 31832.87 0% 0%
$0 $25,743 $79,104 $101,073 ($0.0) 32469.53 3% 3%
$0 $26,258 $80,686 $102,926 ($0.0) 33118.92 3% 3%
$0 $26,783 $82,300 $104,831 ($0.0) 33781.3 3% 3%
$0 $27,318 $83,946 $106,791 ($0.0) 34456.92 3% 3%
$0 $27,865 $85,625 $108,805 ($0.0) 35146.06 3% 3%
$0 $28,422 $87,337 $110,873 ($0.0) 35848.98 3% 3%
$0 $28,991 $89,084 $112,997 ($0.0) 36565.96 3% 3%
$0 $29,570 $90,866 $115,178 ($0.0) 37297.28 3% 3%
 $0 $30,162 $92,683 $117,416 ($0.0) 38043.23 3% 3%
$0 $30,765 $94,537 $119,711 ($0.0) 38804.09 3% 3%
$0 $31,380 $96,427 $127,413 ($0.0) 39580.17 3% 3%
$0 $32,008 $98,356 $129,962 ($0.0) 40371.77 3% 3%
$0 $32,648 $100,323 $132,561 ($0.0) 41179.21 3% 3%
$0 $33,301 $102,330 $135,212 ($0.0) 42002.79 3% 3%
$0 $33,967 $104,376 $137,916 ($0.0) 42842.85 3% 3%
$0 $34,646 $106,464 $140,675 $0.0 43699.71 3% 3%
$0 $35,339 $108,593 $143,488 ($0.0) 44573.7 3% 3%
$0 $36,046 $110,765 $146,358 ($0.0) 45465.18 3% 3%
$0 $36,767 $112,980 $149,285 ($0.0) 46374.48 3% 3%
$0 $37,502 $115,240 $152,271 ($0.0) 47301.97 3% 3%
$0 $38,252 $117,544 $155,316 ($0.0) 48248.01 3% 3%
$0 $39,017 $119,895 $158,423 ($0.0) 49212.97 3% 3%
$3,760 $39,798 $122,293 $161,591 ($3,760.4) 50197.23 3% 3%
$16,523 $40,594 $124,739 $164,823 ($16,523.1) 51201.17 3% 3%
$16,854 $41,406 $127,234 $168,119 ($16,853.5) 52225.2 3% 3%
$17,191 $42,234 $129,779 $171,482 ($17,190.6) 53269.7 3% 3%
$0 $21,106 $66,187 $87,023 27167.55 3% 3%
$0 $21,528 $67,511 $88,763 27710.9 3% 3%
$0 $21,959 $68,861 $90,538 28265.12 3% 3%
$0 $22,398 $70,238 $92,349 28830.42 3% 3%
$0 $22,846 $71,643 $94,196 29407.03 3% 3%
$0 $23,303 $73,076 $96,080 29995.17 3% 3%
$0 $23,769 $74,537 $98,002 30595.07 3% 3%
$0 $24,244 $76,028 $99,962 31206.97 3% 3%
$0 $24,729 $77,549 $101,961 31831.11 3% 3%
$0 $25,224 $79,100 $104,000 32467.73 3% 3%
$0 $25,728 $80,682 $106,080 33117.09 3% 3%
$0 $26,243 $82,295 $108,202 33779.43 3% 3%
$0 $26,768 $83,941 $110,366 34455.02 3% 3%
$0 $0 $157,238 $156,538 70288.24 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 35847 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 36563.94 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 37295.22 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 38041.12 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 38801.95 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 39577.99 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 40369.55 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 41176.94 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 42000.48 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 42840.48 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 43697.29 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 44571.24 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 45462.67 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 46371.92 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 47299.36 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 48245.34 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 49210.25 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 50194.46 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 51198.34 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 52222.31 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 53266.76 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 54332.09 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 55418.73 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 56527.11 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 57657.65 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 58810.8 3% 3%
#VALUE! #VALUE! #VALUE! #VALUE! 59987.02 3% 3%

70288.24 3% 3%

70288.24 3% 3%
 Rates Kink Points
0
3 4 5 6 1 2 3 4 5
0% 0% 0% 0% 0 20000 50000 100000 150000 200000
0% 0% 0% 0% 0 20400 51000 102000 153000 204000
0% 0% 0% 0% 0 20808 52020 104040 156060 208080
0% 0% 0% 0% 0 21224.16 53060.4 106120.8 159181.2 212241.6
0% 0% 0% 0% 0 21648.64 54121.61 108243.2 162364.8 216486.4
0% 0% 0% 0% 0 22081.62 55204.04 110408.1 165612.1 220816.2
0% 0% 0% 0% 0 22523.25 56308.12 112616.2 168924.4 225232.5
0% 0% 0% 0% 0 22973.71 57434.28 114868.6 172302.9 229737.1
0% 0% 0% 0% 0 23433.19 58582.97 117165.9 175748.9 234331.9
3% 3% 3% 3% 0 23901.85 59754.63 119509.3 179263.9 239018.5
3% 3% 3% 3% 0 24379.89 60949.72 121899.4 182849.2 243798.9
3% 3% 3% 3% 0 24867.49 62168.72 124337.4 186506.1 248674.9
3% 3% 3% 3% 0 25364.84 63412.09 126824.2 190236.3 253648.4
6% 6% 6% 6% 0 25872.13 64680.33 129360.7 194041 258721.3
6% 6% 6% 6% 0 26389.58 65973.94 131947.9 197921.8 263895.8
6% 6% 6% 6% 0 26917.37 67293.42 134586.8 201880.3 269173.7
6% 6% 6% 6% 0 27455.71 68639.29 137278.6 205917.9 274557.1
6% 6% 6% 6% 0 28004.83 70012.07 140024.1 210036.2 280048.3
6% 6% 6% 6% 0 28564.92 71412.31 142824.6 214236.9 285649.2
6% 6% 6% 6% 0 29136.22 72840.56 145681.1 218521.7 291362.2
6% 6% 6% 6% 0 29718.95 74297.37 148594.7 222892.1 297189.5
6% 6% 6% 6% 0 30313.33 75783.32 151566.6 227350 303133.3
6% 6% 6% 6% 0 30919.59 77298.98 154598 231897 309195.9
6% 6% 6% 6% 0 31537.99 78844.96 157689.9 236534.9 315379.9
6% 6% 6% 6% 0 32168.74 80421.86 160843.7 241265.6 321687.4
6% 6% 6% 6% 0 32812.12 82030.3 164060.6 246090.9 328121.2
6% 6% 6% 6% 0 33468.36 83670.91 167341.8 251012.7 334683.6
6% 6% 6% 6% 0 34137.73 85344.32 170688.6 256033 341377.3
6% 6% 6% 6% 0 34820.48 87051.21 174102.4 261153.6 348204.8
6% 6% 6% 6% 0 35516.89 88792.23 177584.5 266376.7 355168.9
6% 6% 6% 6% 0 36227.23 90568.08 181136.2 271704.2 362272.3
6% 6% 6% 6% 0 36951.78 92379.44 184758.9 277138.3 369517.8
6% 6% 6% 6% 0 37690.81 94227.03 188454.1 282681.1 376908.1
6% 6% 6% 6% 0 38444.63 96111.57 192223.1 288334.7 384446.3
6% 6% 6% 6% 0 39213.52 98033.8 196067.6 294101.4 392135.2
6% 6% 6% 6% 0 39997.79 99994.48 199989 299983.4 399977.9
6% 6% 6% 6% 0 40797.75 101994.4 203988.7 305983.1 407977.5
6% 6% 6% 6% 0 41613.7 104034.3 208068.5 312102.8 416137
6% 6% 6% 6% 0 42445.98 106114.9 212229.9 318344.8 424459.8
6% 6% 6% 6% 0 21647.45 54118.62 108237.2 162355.9 216474.5
6% 6% 6% 6% 0 22080.4 55200.99 110402 165603 220804
6% 6% 6% 6% 0 22522 56305.01 112610 168915 225220
6% 6% 6% 6% 0 22972.44 57431.11 114862.2 172293.3 229724.4
6% 6% 6% 6% 0 23431.89 58579.73 117159.5 175739.2 234318.9
6% 6% 6% 6% 0 23900.53 59751.33 119502.7 179254 239005.3
6% 6% 6% 6% 0 24378.54 60946.36 121892.7 182839.1 243785.4
6% 6% 6% 6% 0 24866.11 62165.28 124330.6 186495.8 248661.1
6% 6% 6% 6% 0 25363.44 63408.59 126817.2 190225.8 253634.4
6% 6% 6% 6% 0 25870.7 64676.76 129353.5 194030.3 258707
6% 6% 6% 6% 0 26388.12 65970.29 131940.6 197910.9 263881.2
6% 6% 6% 6% 0 26915.88 67289.7 134579.4 201869.1 269158.8
6% 6% 6% 6% 0 27454.2 68635.49 137271 205906.5 274542
6% 6% 6% 6% 0 56006.56 140016.4 280032.8 420049.2 560065.6
6% 6% 6% 6% 0 28563.35 71408.37 142816.7 214225.1 285633.5
6% 6% 6% 6% 0 29134.61 72836.54 145673.1 218509.6 291346.1
6% 6% 6% 6% 0 29717.31 74293.27 148586.5 222879.8 297173.1
6% 6% 6% 6% 0 30311.65 75779.13 151558.3 227337.4 303116.5
6% 6% 6% 6% 0 30917.89 77294.71 154589.4 231884.1 309178.9
6% 6% 6% 6% 0 31536.24 78840.61 157681.2 236521.8 315362.4
6% 6% 6% 6% 0 32166.97 80417.42 160834.8 241252.3 321669.7
6% 6% 6% 6% 0 32810.31 82025.77 164051.5 246077.3 328103.1
6% 6% 6% 6% 0 33466.51 83666.29 167332.6 250998.9 334665.1
6% 6% 6% 6% 0 34135.84 85339.61 170679.2 256018.8 341358.4
6% 6% 6% 6% 0 34818.56 87046.4 174092.8 261139.2 348185.6
6% 6% 6% 6% 0 35514.93 88787.33 177574.7 266362 355149.3
6% 6% 6% 6% 0 36225.23 90563.08 181126.2 271689.2 362252.3
6% 6% 6% 6% 0 36949.74 92374.34 184748.7 277123 369497.4
6% 6% 6% 6% 0 37688.73 94221.83 188443.7 282665.5 376887.3
6% 6% 6% 6% 0 38442.51 96106.26 192212.5 288318.8 384425.1
6% 6% 6% 6% 0 39211.36 98028.39 196056.8 294085.2 392113.6
6% 6% 6% 6% 0 39995.58 99988.96 199977.9 299966.9 399955.8
6% 6% 6% 6% 0 40795.49 101988.7 203977.5 305966.2 407954.9
6% 6% 6% 6% 0 41611.4 104028.5 208057 312085.5 416114
6% 6% 6% 6% 0 42443.63 106109.1 212218.2 318327.2 424436.3
6% 6% 6% 6% 0 43292.5 108231.3 216462.5 324693.8 432925
6% 6% 6% 6% 0 44158.35 110395.9 220791.8 331187.7 441583.5
6% 6% 6% 6% 0 45041.52 112603.8 225207.6 337811.4 450415.2
6% 6% 6% 6% 0 45942.35 114855.9 229711.8 344567.6 459423.5
6% 6% 6% 6% 0 46861.2 117153 234306 351459 468612
6% 6% 6% 6% 0 47798.42 119496.1 238992.1 358488.2 477984.2

6% 6% 6% 6% 0 56006.56 140016.4 280032.8 420049.2 560065.6

6% 6% 6% 6% 0 56006.56 140016.4 280032.8 420049.2 560065.6

 State Intercepts
State Txbl Less State
0
1 2 3 4 5 Income StdDed
0 0 0 0 0 0 $105,545.33 $80,445.33
0 0 0 0 0 0 $104,708.99 $79,106.99
0 0 0 0 0 0 $102,556.47 $76,442.43
0 0 0 0 0 0 $100,108.87 $73,472.55
0 0 0 0 0 0 $97,310.90 $70,141.85
0 0 0 0 0 0 $94,091.76 $66,379.33
0 0 0 0 0 0 $67,808.99 $39,542.32
0 0 0 0 0 0 $49,600.90 $20,768.88
0 0 0 0 0 0 $48,356.33 $18,947.68
0 0 0 1792.639 3585.278 5377.917 $46,975.04 $16,978.22
0 0 0 1828.492 3656.983 5485.475 $45,448.70 $14,851.94
0 0 0 1865.061 3730.123 5595.184 $43,768.55 $12,559.85
0 0 0 1902.363 3804.725 5707.088 $41,925.34 $10,092.47
0 776.164 1940.41 5821.23 9702.05 13582.87 $35,920.02 $3,450.49
0 791.6873 1979.218 5937.654 9896.091 13854.53 $36,807.15 $3,688.23
0 807.521 2018.803 6056.408 10094.01 14131.62 $37,696.01 $3,914.72
0 823.6714 2059.179 6177.536 10295.89 14414.25 $38,587.11 $4,130.19
0 840.1449 2100.362 6301.086 10501.81 14702.53 $39,480.94 $4,334.88
0 856.9477 2142.369 6427.108 10711.85 14996.59 $40,378.01 $4,529.03
0 874.0867 2185.217 6555.65 10926.08 15296.52 $41,278.81 $4,712.85
0 891.5684 2228.921 6686.763 11144.61 15602.45 $42,183.82 $4,886.54
0 909.3998 2273.5 6820.499 11367.5 15914.5 $43,093.54 $5,050.31
0 927.5878 2318.97 6956.909 11594.85 16232.79 $44,008.45 $5,204.36
0 946.1396 2365.349 7096.047 11826.74 16557.44 $39,580.16 $0.00
0 965.0623 2412.656 7237.968 12063.28 16888.59 $40,371.76 $0.00
0 984.3636 2460.909 7382.727 12304.54 17226.36 $41,179.20 $0.00
0 1004.051 2510.127 7530.382 12550.64 17570.89 $42,002.78 $0.00
0 1024.132 2560.33 7680.989 12801.65 17922.31 $42,842.84 $0.00
0 1044.615 2611.536 7834.609 13057.68 18280.75 $43,699.70 $0.00
0 1065.507 2663.767 7991.301 13318.84 18646.37 $44,573.69 $0.00
0 1086.817 2717.042 8151.127 13585.21 19019.3 $45,465.17 $0.00
0 1108.553 2771.383 8314.15 13856.92 19399.68 $46,374.47 $0.00
0 1130.724 2826.811 8480.433 14134.05 19787.68 $47,301.96 $0.00
0 1153.339 2883.347 8650.041 14416.74 20183.43 $48,248.00 $0.00
0 1176.406 2941.014 8823.042 14705.07 20587.1 $49,212.96 $0.00
0 1199.934 2999.834 8999.503 14999.17 20998.84 $46,436.81 $0.00
0 1223.932 3059.831 9179.493 15299.16 21418.82 $34,678.08 $0.00
0 1248.411 3121.028 9363.083 15605.14 21847.19 $35,371.65 $0.00
0 1273.379 3183.448 9550.345 15917.24 22284.14 $36,079.08 $0.00
0 649.4234 1623.559 4870.676 8117.793 11364.91 $27,600.50 $432.95
0 662.4119 1656.03 4968.089 8280.149 11592.21 $28,152.51 $441.61
0 675.6601 1689.15 5067.451 8445.752 11824.05 $28,715.56 $450.44
0 689.1733 1722.933 5168.8 8614.667 12060.53 $29,289.87 $459.45
0 702.9568 1757.392 5272.176 8786.96 12301.74 $29,875.66 $468.64
0 717.0159 1792.54 5377.62 8962.699 12547.78 $30,473.18 $478.01
0 731.3563 1828.391 5485.172 9141.953 12798.73 $31,082.64 $487.57
0 745.9834 1864.958 5594.875 9324.792 13054.71 $31,704.29 $497.32
0 760.9031 1902.258 5706.773 9511.288 13315.8 $32,338.38 $507.27
0 776.1211 1940.303 5820.908 9701.514 13582.12 $32,985.15 $517.41
0 791.6435 1979.109 5937.327 9895.544 13853.76 $33,644.85 $527.76
0 807.4764 2018.691 6056.073 10093.46 14130.84 $34,317.75 $538.32
0 823.6259 2059.065 6177.195 10295.32 14413.45 $35,004.10 $549.08
0 1680.197 4200.492 12601.48 21002.46 29403.45 $140,016.41 $69,728.17
0 856.9004 2142.251 6426.753 10711.26 14995.76 $0.00 $0.00
0 874.0384 2185.096 6555.288 10925.48 15295.67 $0.00 $0.00
0 891.5192 2228.798 6686.394 11143.99 15601.59 $0.00 $0.00
0 909.3496 2273.374 6820.122 11366.87 15913.62 $0.00 $0.00
0 927.5366 2318.841 6956.524 11594.21 16231.89 $0.00 $0.00
0 946.0873 2365.218 7095.655 11826.09 16556.53 $0.00 $0.00
0 965.0091 2412.523 7237.568 12062.61 16887.66 $0.00 $0.00
0 984.3092 2460.773 7382.319 12303.87 17225.41 $0.00 $0.00
0 1003.995 2509.989 7529.966 12549.94 17569.92 $0.00 $0.00
0 1024.075 2560.188 7680.565 12800.94 17921.32 $0.00 $0.00
0 1044.557 2611.392 7834.176 13056.96 18279.74 $0.00 $0.00
0 1065.448 2663.62 7990.86 13318.1 18645.34 $0.00 $0.00
0 1086.757 2716.892 8150.677 13584.46 19018.25 $0.00 $0.00
0 1108.492 2771.23 8313.691 13856.15 19398.61 $0.00 $0.00
0 1130.662 2826.655 8479.964 14133.27 19786.58 $0.00 $0.00
0 1153.275 2883.188 8649.564 14415.94 20182.32 $0.00 $0.00
0 1176.341 2940.852 8822.555 14704.26 20585.96 $0.00 $0.00
0 1199.867 2999.669 8999.006 14998.34 20997.68 $0.00 $0.00
0 1223.865 3059.662 9178.986 15298.31 21417.63 $0.00 $0.00
0 1248.342 3120.855 9362.566 15604.28 21845.99 $0.00 $0.00
0 1273.309 3183.272 9549.817 15916.36 22282.91 $0.00 $0.00
0 1298.775 3246.938 9740.814 16234.69 22728.56 $0.00 $0.00
0 1324.751 3311.877 9935.63 16559.38 23183.14 $0.00 $0.00
0 1351.246 3378.114 10134.34 16890.57 23646.8 $0.00 $0.00
0 1378.271 3445.676 10337.03 17228.38 24119.73 $0.00 $0.00
0 1405.836 3514.59 10543.77 17572.95 24602.13 $0.00 $0.00
0 1433.953 3584.882 10754.65 17924.41 25094.17 $0.00 $0.00

0 1680.197 4200.492 12601.48 21002.46 29403.45 $140,016.41 $69,728.17

0 1680.197 4200.492 12601.48 21002.46 29403.45 $140,016.41 $69,728.17

Bracket Tax

3 $0.00
3 $0.00
3 $0.00
3 $0.00
3 $0.00
3 $0.00
2 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $103.51
1 $110.65
1 $117.44
1 $123.91
1 $130.05
1 $135.87
1 $141.39
1 $146.60
1 $151.51
1 $156.13
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $12.99
1 $13.25
1 $13.51
1 $13.78
1 $14.06
1 $14.34
1 $14.63
1 $14.92
1 $15.22
1 $15.52
1 $15.83
1 $16.15
1 $16.47
2 $2,091.85
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00
1 $0.00

2 $2,091.85

2 $2,091.85
 Inflation 2%

Std Ded - Federal Rates in Tax Brackets: Ordinary Income

# year Married Single 1 2 3 4 5 6

1 2021 $25,100 $12,550 10% 12% 22% 24% 32% 35%
2 2022 $25,602 $12,801 10% 12% 22% 24% 32% 35%
3 2023 $26,114 $13,057 10% 12% 22% 24% 32% 35%
4 2024 $26,636 $13,318 10% 12% 22% 24% 32% 35%
5 2025 $27,169 $13,585 10% 12% 22% 24% 32% 35%
6 2026 $27,712 $13,856 10% 12% 25% 28% 33% 35%
7 2027 $28,267 $14,133 10% 12% 25% 28% 33% 35%
8 2028 $28,832 $14,416 10% 12% 25% 28% 33% 35%
9 2029 $29,409 $14,704 10% 12% 25% 28% 33% 35%
10 2030 $29,997 $14,998 10% 12% 26% 29% 34% 36%
11 2031 $30,597 $15,298 10% 12% 26% 29% 34% 36%
12 2032 $31,209 $15,604 10% 12% 26% 29% 34% 36%
13 2033 $31,833 $15,916 10% 12% 26% 29% 34% 36%
14 2034 $32,470 $16,235 11% 13% 27% 30% 35% 37%
15 2035 $33,119 $16,559 11% 13% 27% 30% 35% 37%
16 2036 $33,781 $16,891 11% 13% 27% 30% 35% 37%
17 2037 $34,457 $17,228 11% 13% 27% 30% 35% 37%
18 2038 $35,146 $17,573 12% 14% 28% 31% 36% 38%
19 2039 $35,849 $17,924 12% 14% 28% 31% 36% 38%
20 2040 $36,566 $18,283 12% 14% 28% 31% 36% 38%
21 2041 $37,297 $18,649 12% 14% 28% 31% 36% 38%
22 2042 $38,043 $19,022 13% 15% 29% 32% 37% 39%
23 2043 $38,804 $19,402 13% 15% 29% 32% 37% 39%
24 2044 $39,580 $19,790 13% 15% 29% 32% 37% 39%
25 2045 $40,372 $20,186 13% 15% 29% 32% 37% 39%
26 2046 $41,179 $20,590 14% 16% 30% 33% 38% 40%
27 2047 $42,003 $21,001 14% 16% 30% 33% 38% 40%
28 2048 $42,843 $21,421 14% 16% 30% 33% 38% 40%
29 2049 $43,700 $21,850 14% 16% 30% 33% 38% 40%
30 2050 $44,574 $22,287 14% 16% 30% 33% 38% 40%
31 2051 $45,465 $22,733 14% 16% 30% 33% 38% 40%
32 2052 $46,374 $23,187 14% 16% 30% 33% 38% 40%
33 2053 $47,302 $23,651 14% 16% 30% 33% 38% 40%
34 2054 $48,248 $24,124 14% 16% 30% 33% 38% 40%
35 2055 $49,213 $24,606 14% 16% 30% 33% 38% 40%
36 2056 $50,197 $25,099 14% 16% 30% 33% 38% 40%
37 2057 $51,201 $25,601 14% 16% 30% 33% 38% 40%
38 2058 $52,225 $26,113 14% 16% 30% 33% 38% 40%
39 2059 $53,270 $26,635 14% 16% 30% 33% 38% 40%
40 2060 $54,335 $27,168 14% 16% 30% 33% 38% 40%
41 2061 $55,422 $27,711 14% 16% 30% 33% 38% 40%
42 2062 $56,530 $28,265 14% 16% 30% 33% 38% 40%
43 2063 $57,661 $28,830 14% 16% 30% 33% 38% 40%
44 2064 $58,814 $29,407 14% 16% 30% 33% 38% 40%
45 2065 $59,990 $29,995 14% 16% 30% 33% 38% 40%
46 2066 $61,190 $30,595 14% 16% 30% 33% 38% 40%
47 2067 $62,414 $31,207 14% 16% 30% 33% 38% 40%
48 2068 $63,662 $31,831 14% 16% 30% 33% 38% 40%
49 2069 $64,935 $32,468 14% 16% 30% 33% 38% 40%
50 2070 $66,234 $33,117 14% 16% 30% 33% 38% 40%
51 2071 $67,559 $33,779 14% 16% 30% 33% 38% 40%
52 2072 $68,910 $34,455 14% 16% 30% 33% 38% 40%
53 2073 $70,288 $35,144 14% 16% 30% 33% 38% 40%
54 2074 $71,694 $35,847 14% 16% 30% 33% 38% 40%
55 2075 $73,128 $36,564 14% 16% 30% 33% 38% 40%
56 2076 $74,590 $37,295 14% 16% 30% 33% 38% 40%
57 2077 $76,082 $38,041 14% 16% 30% 33% 38% 40%
58 2078 $77,604 $38,802 14% 16% 30% 33% 38% 40%
59 2079 $79,156 $39,578 14% 16% 30% 33% 38% 40%
60 2080 $80,739 $40,370 14% 16% 30% 33% 38% 40%
61 2081 $82,354 $41,177 14% 16% 30% 33% 38% 40%
62 2082 $84,001 $42,000 14% 16% 30% 33% 38% 40%
63 2083 $85,681 $42,840 14% 16% 30% 33% 38% 40%
64 2084 $87,395 $43,697 14% 16% 30% 33% 38% 40%
65 2085 $89,142 $44,571 14% 16% 30% 33% 38% 40%
66 2086 $90,925 $45,463 14% 16% 30% 33% 38% 40%
67 2087 $92,744 $46,372 14% 16% 30% 33% 38% 40%
68 2088 $94,599 $47,299 14% 16% 30% 33% 38% 40%
69 2089 $96,491 $48,245 14% 16% 30% 33% 38% 40%
70 2090 $98,421 $49,210 14% 16% 30% 33% 38% 40%
71 2091 $100,389 $50,194 14% 16% 30% 33% 38% 40%
72 2092 $102,397 $51,198 14% 16% 30% 33% 38% 40%
73 2093 $104,445 $52,222 14% 16% 30% 33% 38% 40%
74 2094 $106,534 $53,267 14% 16% 30% 33% 38% 40%
75 2095 $108,664 $54,332 14% 16% 30% 33% 38% 40%
76 2096 $110,837 $55,419 14% 16% 30% 33% 38% 40%
77 2097 $113,054 $56,527 14% 16% 30% 33% 38% 40%
78 2098 $115,315 $57,658 14% 16% 30% 33% 38% 40%
79 2099 $117,622 $58,811 14% 16% 30% 33% 38% 40%
80 2100 $119,974 $59,987 14% 16% 30% 33% 38% 40%
 Rates in Tax Brackets: Capital
ome Federal Tax Bracket Kink Points - Ordinary Income - Married
Gains
7 1 2 3 1 2 3 4 5 6
37% 0% 15% 20% $19,900 $81,050 $172,750 $329,850 $418,850 $628,300
37% 0% 15% 20% $20,298 $82,671 $176,205 $336,447 $427,227 $640,866
37% 0% 15% 20% $20,704 $84,324 $179,729 $343,176 $435,772 $653,683
37% 0% 15% 20% $21,118 $86,011 $183,324 $350,039 $444,487 $666,757
37.0% 0% 15% 20% $21,540 $87,731 $186,990 $357,040 $453,377 $680,092
39.6% 0% 15% 20% $21,971 $89,486 $190,730 $364,181 $462,444 $693,694
39.6% 0% 15% 20% $22,411 $91,275 $194,545 $371,465 $471,693 $707,568
39.6% 0% 15% 20% $22,859 $93,101 $198,435 $378,894 $481,127 $721,719
39.6% 0% 15% 20% $23,316 $94,963 $202,404 $386,472 $490,750 $736,154
40.6% 0% 16% 21% $23,782 $96,862 $206,452 $394,201 $500,565 $750,877
40.6% 0% 16% 21% $24,258 $98,799 $210,581 $402,085 $510,576 $765,894
40.6% 0% 16% 21% $24,743 $100,775 $214,793 $410,127 $520,787 $781,212
40.6% 0% 16% 21% $25,238 $102,791 $219,089 $418,330 $531,203 $796,836
41.6% 1% 17% 22% $25,743 $104,847 $223,471 $426,696 $541,827 $812,773
41.6% 1% 17% 22% $26,258 $106,944 $227,940 $435,230 $552,664 $829,029
41.6% 1% 17% 22% $26,783 $109,083 $232,499 $443,935 $563,717 $845,609
41.6% 1% 17% 22% $27,318 $111,264 $237,149 $452,813 $574,991 $862,521
42.6% 2% 18% 23% $27,865 $113,490 $241,892 $461,870 $586,491 $879,772
42.6% 2% 18% 23% $28,422 $115,759 $246,730 $471,107 $598,221 $897,367
42.6% 2% 18% 23% $28,991 $118,075 $251,664 $480,529 $610,185 $915,314
42.6% 2% 18% 23% $29,570 $120,436 $256,697 $490,140 $622,389 $933,621
43.6% 3% 19% 24% $30,162 $122,845 $261,831 $499,943 $634,837 $952,293
43.6% 3% 19% 24% $30,765 $125,302 $267,068 $509,941 $647,534 $971,339
43.6% 3% 19% 24% $31,380 $127,808 $272,409 $520,140 $660,484 $990,766
43.6% 3% 19% 24% $32,008 $130,364 $277,858 $530,543 $673,694 $1,010,581
44.6% 4% 20% 25% $32,648 $132,971 $283,415 $541,154 $687,168 $1,030,793
44.6% 4% 20% 25% $33,301 $135,631 $289,083 $551,977 $700,911 $1,051,409
44.6% 4% 20% 25% $33,967 $138,343 $294,865 $563,017 $714,929 $1,072,437
44.6% 4% 20% 25% $34,646 $141,110 $300,762 $574,277 $729,228 $1,093,886
44.6% 4% 20% 25% $35,339 $143,932 $306,777 $585,762 $743,813 $1,115,763
44.6% 4% 20% 25% $36,046 $146,811 $312,913 $597,478 $758,689 $1,138,078
44.6% 4% 20% 25% $36,767 $149,747 $319,171 $609,427 $773,863 $1,160,840
44.6% 4% 20% 25% $37,502 $152,742 $325,554 $621,616 $789,340 $1,184,057
44.6% 4% 20% 25% $38,252 $155,797 $332,065 $634,048 $805,127 $1,207,738
44.6% 4% 20% 25% $39,017 $158,913 $338,707 $646,729 $821,229 $1,231,893
44.6% 4% 20% 25% $39,798 $162,091 $345,481 $659,664 $837,654 $1,256,531
44.6% 4% 20% 25% $40,594 $165,333 $352,391 $672,857 $854,407 $1,281,661
44.6% 4% 20% 25% $41,406 $168,640 $359,438 $686,314 $871,495 $1,307,294
44.6% 4% 20% 25% $42,234 $172,012 $366,627 $700,040 $888,925 $1,333,440
44.6% 4% 20% 25% $43,078 $175,453 $373,960 $714,041 $906,703 $1,360,109
44.6% 4% 20% 25% $43,940 $178,962 $381,439 $728,322 $924,837 $1,387,311
44.6% 4% 20% 25% $44,819 $182,541 $389,068 $742,888 $943,334 $1,415,058
44.6% 4% 20% 25% $45,715 $186,192 $396,849 $757,746 $962,201 $1,443,359
44.6% 4% 20% 25% $46,629 $189,915 $404,786 $772,901 $981,445 $1,472,226
44.6% 4% 20% 25% $47,562 $193,714 $412,882 $788,359 ### $1,501,670
44.6% 4% 20% 25% $48,513 $197,588 $421,139 $804,126 ### $1,531,704
44.6% 4% 20% 25% $49,484 $201,540 $429,562 $820,209 ### $1,562,338
44.6% 4% 20% 25% $50,473 $205,571 $438,153 $836,613 ### $1,593,585
44.6% 4% 20% 25% $51,483 $209,682 $446,916 $853,345 ### $1,625,456
44.6% 4% 20% 25% $52,512 $213,876 $455,855 $870,412 ### $1,657,965
44.6% 4% 20% 25% $53,563 $218,153 $464,972 $887,820 ### $1,691,125
44.6% 4% 20% 25% $54,634 $222,516 $474,271 $905,577 ### $1,724,947
44.6% 4% 20% 25% $55,727 $226,967 $483,757 $923,688 ### $1,759,446
44.6% 4% 20% 25% $56,841 $231,506 $493,432 $942,162 ### $1,794,635
44.6% 4% 20% 25% $57,978 $236,136 $503,300 $961,005 ### $1,830,528
44.6% 4% 20% 25% $59,137 $240,859 $513,366 $980,225 ### $1,867,138
44.6% 4% 20% 25% $60,320 $245,676 $523,634 $999,830 ### $1,904,481
44.6% 4% 20% 25% $61,527 $250,589 $534,106 ### ### $1,942,571
44.6% 4% 20% 25% $62,757 $255,601 $544,789 ### ### $1,981,422
44.6% 4% 20% 25% $64,012 $260,713 $555,684 ### ### $2,021,051
44.6% 4% 20% 25% $65,293 $265,928 $566,798 ### ### $2,061,472
44.6% 4% 20% 25% $66,598 $271,246 $578,134 ### ### $2,102,701
44.6% 4% 20% 25% $67,930 $276,671 $589,697 ### ### $2,144,755
44.6% 4% 20% 25% $69,289 $282,204 $601,491 ### ### $2,187,650
44.6% 4% 20% 25% $70,675 $287,849 $613,520 ### ### $2,231,403
44.6% 4% 20% 25% $72,088 $293,605 $625,791 ### ### $2,276,031
44.6% 4% 20% 25% $73,530 $299,478 $638,307 ### ### $2,321,552
44.6% 4% 20% 25% $75,001 $305,467 $651,073 ### ### $2,367,983
44.6% 4% 20% 25% $76,501 $311,577 $664,094 ### ### $2,415,343
44.6% 4% 20% 25% $78,031 $317,808 $677,376 ### ### $2,463,649
44.6% 4% 20% 25% $79,591 $324,164 $690,924 ### ### $2,512,922
44.6% 4% 20% 25% $81,183 $330,647 $704,742 ### ### $2,563,181
44.6% 4% 20% 25% $82,807 $337,260 $718,837 ### ### $2,614,444
44.6% 4% 20% 25% $84,463 $344,006 $733,214 ### ### $2,666,733
44.6% 4% 20% 25% $86,152 $350,886 $747,878 ### ### $2,720,068
44.6% 4% 20% 25% $87,875 $357,903 $762,836 ### ### $2,774,469
44.6% 4% 20% 25% $89,633 $365,062 $778,092 ### ### $2,829,959
44.6% 4% 20% 25% $91,425 $372,363 $793,654 ### ### $2,886,558
44.6% 4% 20% 25% $93,254 $379,810 $809,527 ### ### $2,944,289
44.6% 4% 20% 25% $95,119 $387,406 $825,718 ### ### $3,003,175
 Federal Kink Points - Cap Gains
me - Married Federal Tax Bracket Kink Points - Ordinary Income - Single
- Married
7 1 2 3 4 5 6 7 1 2
Inf $9,950 $40,525 $86,375 $164,925 $209,425 $523,600 Inf $80,800 $501,600
Inf $10,149 $41,336 $88,103 $168,224 $213,614 $534,072 Inf $82,416 $511,632
Inf $10,352 $42,162 $89,865 $171,588 $217,886 $544,753 Inf $84,064 $521,865
Inf $10,559 $43,005 $91,662 $175,020 $222,243 $555,649 Inf $85,746 $532,302
Inf $10,770 $43,866 $93,495 $178,520 $226,688 $566,761 Inf $87,461 $542,948
Inf $10,986 $44,743 $95,365 $182,091 $231,222 $578,097 Inf $89,210 $553,807
Inf $11,205 $45,638 $97,272 $185,732 $235,847 $589,659 Inf $90,994 $564,883
Inf $11,429 $46,550 $99,218 $189,447 $240,563 $601,452 Inf $92,814 $576,181
Inf $11,658 $47,481 $101,202 $193,236 $245,375 $613,481 Inf $94,670 $587,704
Inf $11,891 $48,431 $103,226 $197,101 $250,282 $625,750 Inf $96,563 $599,458
Inf $12,129 $49,400 $105,291 $201,043 $255,288 $638,265 Inf $98,495 $611,448
Inf $12,372 $50,388 $107,396 $205,064 $260,394 $651,031 Inf $100,465 $623,677
Inf $12,619 $51,395 $109,544 $209,165 $265,602 $664,051 Inf $102,474 $636,150
Inf $12,871 $52,423 $111,735 $213,348 $270,914 $677,332 Inf $104,523 $648,873
Inf $13,129 $53,472 $113,970 $217,615 $276,332 $690,879 Inf $106,614 $661,851
Inf $13,391 $54,541 $116,249 $221,967 $281,858 $704,697 Inf $108,746 $675,088
Inf $13,659 $55,632 $118,574 $226,407 $287,496 $718,791 Inf $110,921 $688,589
Inf $13,932 $56,745 $120,946 $230,935 $293,246 $733,166 Inf $113,140 $702,361
Inf $14,211 $57,880 $123,365 $235,554 $299,110 $747,830 Inf $115,402 $716,408
Inf $14,495 $59,037 $125,832 $240,265 $305,093 $762,786 Inf $117,710 $730,736
Inf $14,785 $60,218 $128,349 $245,070 $311,195 $778,042 Inf $120,065 $745,351
Inf $15,081 $61,422 $130,916 $249,971 $317,418 $793,603 Inf $122,466 $760,258
Inf $15,382 $62,651 $133,534 $254,971 $323,767 $809,475 Inf $124,915 $775,463
Inf $15,690 $63,904 $136,205 $260,070 $330,242 $825,664 Inf $127,413 $790,973
Inf $16,004 $65,182 $138,929 $265,272 $336,847 $842,178 Inf $129,962 $806,792
Inf $16,324 $66,486 $141,707 $270,577 $343,584 $859,021 Inf $132,561 $822,928
Inf $16,651 $67,815 $144,541 $275,988 $350,456 $876,202 Inf $135,212 $839,387
Inf $16,984 $69,172 $147,432 $281,508 $357,465 $893,726 Inf $137,916 $856,174
Inf $17,323 $70,555 $150,381 $287,138 $364,614 $911,600 Inf $140,675 $873,298
Inf $17,670 $71,966 $153,389 $292,881 $371,906 $929,832 Inf $143,488 $890,764
Inf $18,023 $73,405 $156,456 $298,739 $379,344 $948,429 Inf $146,358 $908,579
Inf $18,384 $74,874 $159,585 $304,714 $386,931 $967,398 Inf $149,285 $926,751
Inf $18,751 $76,371 $162,777 $310,808 $394,670 $986,745 Inf $152,271 $945,286
Inf $19,126 $77,898 $166,033 $317,024 $402,563 ### Inf $155,316 $964,191
Inf $19,509 $79,456 $169,353 $323,364 $410,615 ### Inf $158,423 $983,475
Inf $19,899 $81,046 $172,740 $329,832 $418,827 ### Inf $161,591 ###
Inf $20,297 $82,666 $176,195 $336,428 $427,203 ### Inf $164,823 ###
Inf $20,703 $84,320 $179,719 $343,157 $435,747 ### Inf $168,119 ###
Inf $21,117 $86,006 $183,314 $350,020 $444,462 ### Inf $171,482 ###
Inf $21,539 $87,726 $186,980 $357,021 $453,352 ### Inf $174,911 ###
Inf $21,970 $89,481 $190,719 $364,161 $462,419 ### Inf $178,410 ###
Inf $22,409 $91,270 $194,534 $371,444 $471,667 ### Inf $181,978 ###
Inf $22,858 $93,096 $198,424 $378,873 $481,100 ### Inf $185,617 ###
Inf $23,315 $94,958 $202,393 $386,451 $490,722 ### Inf $189,330 ###
Inf $23,781 $96,857 $206,441 $394,180 $500,537 ### Inf $193,116 ###
Inf $24,257 $98,794 $210,570 $402,063 $510,548 ### Inf $196,979 ###
Inf $24,742 $100,770 $214,781 $410,104 $520,759 ### Inf $200,918 ###
Inf $25,237 $102,785 $219,077 $418,306 $531,174 ### Inf $204,937 ###
Inf $25,741 $104,841 $223,458 $426,673 $541,797 ### Inf $209,035 ###
Inf $26,256 $106,938 $227,927 $435,206 $552,633 ### Inf $213,216 ###
Inf $26,781 $109,077 $232,486 $443,910 $563,686 ### Inf $217,480 ###
Inf $27,317 $111,258 $237,136 $452,788 $574,960 ### Inf $221,830 ###
Inf $27,863 $113,483 $241,878 $461,844 $586,459 ### Inf $226,267 ###
Inf $28,421 $115,753 $246,716 $471,081 $598,188 ### Inf $230,792 ###
Inf $28,989 $118,068 $251,650 $480,503 $610,152 ### Inf $235,408 ###
Inf $29,569 $120,429 $256,683 $490,113 $622,355 ### Inf $240,116 ###
Inf $30,160 $122,838 $261,817 $499,915 $634,802 ### Inf $244,918 ###
Inf $30,763 $125,295 $267,053 $509,913 $647,498 ### Inf $249,817 ###
Inf $31,379 $127,801 $272,394 $520,111 $660,448 ### Inf $254,813 ###
Inf $32,006 $130,357 $277,842 $530,514 $673,657 ### Inf $259,909 ###
Inf $32,646 $132,964 $283,399 $541,124 $687,130 ### Inf $265,107 ###
Inf $33,299 $135,623 $289,067 $551,946 $700,872 ### Inf $270,409 ###
Inf $33,965 $138,336 $294,848 $562,985 $714,890 ### Inf $275,818 ###
Inf $34,644 $141,102 $300,745 $574,245 $729,188 ### Inf $281,334 ###
Inf $35,337 $143,924 $306,760 $585,730 $743,771 ### Inf $286,961 ###
Inf $36,044 $146,803 $312,895 $597,445 $758,647 ### Inf $292,700 ###
Inf $36,765 $149,739 $319,153 $609,394 $773,820 ### Inf $298,554 ###
Inf $37,500 $152,734 $325,536 $621,581 $789,296 ### Inf $304,525 ###
Inf $38,250 $155,788 $332,047 $634,013 $805,082 ### Inf $310,615 ###
Inf $39,015 $158,904 $338,688 $646,693 $821,184 ### Inf $316,828 ###
Inf $39,796 $162,082 $345,462 $659,627 $837,607 ### Inf $323,164 ###
Inf $40,592 $165,324 $352,371 $672,820 $854,360 ### Inf $329,628 ###
Inf $41,403 $168,630 $359,418 $686,276 $871,447 ### Inf $336,220 ###
Inf $42,231 $172,003 $366,607 $700,002 $888,876 ### Inf $342,945 ###
Inf $43,076 $175,443 $373,939 $714,002 $906,653 ### Inf $349,803 ###
Inf $43,938 $178,952 $381,418 $728,282 $924,786 ### Inf $356,800 ###
Inf $44,816 $182,531 $389,046 $742,847 $943,282 ### Inf $363,935 ###
Inf $45,713 $186,181 $396,827 $757,704 $962,148 ### Inf $371,214 ###
Inf $46,627 $189,905 $404,764 $772,858 $981,391 ### Inf $378,638 ###
Inf $47,559 $193,703 $412,859 $788,315 ### ### Inf $386,211 ###
ink Points - Cap Gains Federal Kink Points - Cap Gains
Std Ded - State State Tax bracket %
- Married - Single
3 1 2 3 Married Single 1 2 3 4
Inf $40,400 $445,850 Inf $25,100 $12,550 0% 0% 0% 0%
Inf $41,208 $454,767 Inf $25,602 $12,801 0% 0% 0% 0%
Inf $42,032 $463,862 Inf $26,114 $13,057 0% 0% 0% 0%
Inf $42,873 $473,140 Inf $26,636 $13,318 0% 0% 0% 0%
Inf $43,730 $482,602 Inf $27,169 $13,585 0% 0% 0% 0%
Inf $44,605 $492,254 Inf $27,712 $13,856 0% 0% 0% 0%
Inf $45,497 $502,100 Inf $28,267 $14,133 0% 0% 0% 0%
Inf $46,407 $512,142 Inf $28,832 $14,416 0% 0% 0% 0%
Inf $47,335 $522,384 Inf $29,409 $14,704 0% 0% 0% 0%
Inf $48,282 $532,832 Inf $29,997 $14,998 0% 0% 3% 3%
Inf $49,247 $543,489 Inf $30,597 $15,298 0% 0% 3% 3%
Inf $50,232 $554,358 Inf $31,209 $15,604 0% 0% 3% 3%
Inf $51,237 $565,446 Inf $31,833 $15,916 0% 0% 3% 3%
Inf $52,262 $576,755 Inf $32,470 $16,235 3% 3% 6% 6%
Inf $53,307 $588,290 Inf $33,119 $16,559 3% 3% 6% 6%
Inf $54,373 $600,055 Inf $33,781 $16,891 3% 3% 6% 6%
Inf $55,461 $612,057 Inf $34,457 $17,228 3% 3% 6% 6%
Inf $56,570 $624,298 Inf $35,146 $17,573 3% 3% 6% 6%
Inf $57,701 $636,784 Inf $35,849 $17,924 3% 3% 6% 6%
Inf $58,855 $649,519 Inf $36,566 $18,283 3% 3% 6% 6%
Inf $60,032 $662,510 Inf $37,297 $18,649 3% 3% 6% 6%
Inf $61,233 $675,760 Inf $38,043 $19,022 3% 3% 6% 6%
Inf $62,458 $689,275 Inf $38,804 $19,402 3% 3% 6% 6%
Inf $63,707 $703,061 Inf $39,580 $19,790 3% 3% 6% 6%
Inf $64,981 $717,122 Inf $40,372 $20,186 3% 3% 6% 6%
Inf $66,280 $731,464 Inf $41,179 $20,590 3% 3% 6% 6%
Inf $67,606 $746,093 Inf $42,003 $21,001 3% 3% 6% 6%
Inf $68,958 $761,015 Inf $42,843 $21,421 3% 3% 6% 6%
Inf $70,337 $776,236 Inf $43,700 $21,850 3% 3% 6% 6%
Inf $71,744 $791,760 Inf $44,574 $22,287 3% 3% 6% 6%
Inf $73,179 $807,596 Inf $45,465 $22,733 3% 3% 6% 6%
Inf $74,643 $823,747 Inf $46,374 $23,187 3% 3% 6% 6%
Inf $76,135 $840,222 Inf $47,302 $23,651 3% 3% 6% 6%
Inf $77,658 $857,027 Inf $48,248 $24,124 3% 3% 6% 6%
Inf $79,211 $874,167 Inf $49,213 $24,606 3% 3% 6% 6%
Inf $80,796 $891,651 Inf $50,197 $25,099 3% 3% 6% 6%
Inf $82,411 $909,484 Inf $51,201 $25,601 3% 3% 6% 6%
Inf $84,060 $927,673 Inf $52,225 $26,113 3% 3% 6% 6%
Inf $85,741 $946,227 Inf $53,270 $26,635 3% 3% 6% 6%
Inf $87,456 $965,151 Inf $54,335 $27,168 3% 3% 6% 6%
Inf $89,205 $984,454 Inf $55,422 $27,711 3% 3% 6% 6%
Inf $90,989 ### Inf $56,530 $28,265 3% 3% 6% 6%
Inf $92,809 ### Inf $57,661 $28,830 3% 3% 6% 6%
Inf $94,665 ### Inf $58,814 $29,407 3% 3% 6% 6%
Inf $96,558 ### Inf $59,990 $29,995 3% 3% 6% 6%
Inf $98,489 ### Inf $61,190 $30,595 3% 3% 6% 6%
Inf $100,459 ### Inf $62,414 $31,207 3% 3% 6% 6%
Inf $102,468 ### Inf $63,662 $31,831 3% 3% 6% 6%
Inf $104,518 ### Inf $64,935 $32,468 3% 3% 6% 6%
Inf $106,608 ### Inf $66,234 $33,117 3% 3% 6% 6%
Inf $108,740 ### Inf $67,559 $33,779 3% 3% 6% 6%
Inf $110,915 ### Inf $68,910 $34,455 3% 3% 6% 6%
Inf $113,133 ### Inf $70,288 $35,144 3% 3% 6% 6%
Inf $115,396 ### Inf $71,694 $35,847 3% 3% 6% 6%
Inf $117,704 ### Inf $73,128 $36,564 3% 3% 6% 6%
Inf $120,058 ### Inf $74,590 $37,295 3% 3% 6% 6%
Inf $122,459 ### Inf $76,082 $38,041 3% 3% 6% 6%
Inf $124,908 ### Inf $77,604 $38,802 3% 3% 6% 6%
Inf $127,406 ### Inf $79,156 $39,578 3% 3% 6% 6%
Inf $129,955 ### Inf $80,739 $40,370 3% 3% 6% 6%
Inf $132,554 ### Inf $82,354 $41,177 3% 3% 6% 6%
Inf $135,205 ### Inf $84,001 $42,000 3% 3% 6% 6%
Inf $137,909 ### Inf $85,681 $42,840 3% 3% 6% 6%
Inf $140,667 ### Inf $87,395 $43,697 3% 3% 6% 6%
Inf $143,480 ### Inf $89,142 $44,571 3% 3% 6% 6%
Inf $146,350 ### Inf $90,925 $45,463 3% 3% 6% 6%
Inf $149,277 ### Inf $92,744 $46,372 3% 3% 6% 6%
Inf $152,262 ### Inf $94,599 $47,299 3% 3% 6% 6%
Inf $155,308 ### Inf $96,491 $48,245 3% 3% 6% 6%
Inf $158,414 ### Inf $98,421 $49,210 3% 3% 6% 6%
Inf $161,582 ### Inf $100,389 $50,194 3% 3% 6% 6%
Inf $164,814 ### Inf $102,397 $51,198 3% 3% 6% 6%
Inf $168,110 ### Inf $104,445 $52,222 3% 3% 6% 6%
Inf $171,472 ### Inf $106,534 $53,267 3% 3% 6% 6%
Inf $174,902 ### Inf $108,664 $54,332 3% 3% 6% 6%
Inf $178,400 ### Inf $110,837 $55,419 3% 3% 6% 6%
Inf $181,968 ### Inf $113,054 $56,527 3% 3% 6% 6%
Inf $185,607 ### Inf $115,315 $57,658 3% 3% 6% 6%
Inf $189,319 ### Inf $117,622 $58,811 3% 3% 6% 6%
Inf $193,106 ### Inf $119,974 $59,987 3% 3% 6% 6%
ket % State Tax bracket kink points - Married State Tax bracket kink po

5 6 1 2 3 4 5 6 1 2
0% 0% $20,000 $50,000 $100,000 $150,000 $200,000 Inf $10,000 $25,000
0% 0% $20,400 $51,000 $102,000 $153,000 $204,000 Inf $10,200 $25,500
0% 0% $20,808 $52,020 $104,040 $156,060 $208,080 Inf $10,404 $26,010
0% 0% $21,224 $53,060 $106,121 $159,181 $212,242 Inf $10,612 $26,530
0% 0% $21,649 $54,122 $108,243 $162,365 $216,486 Inf $10,824 $27,061
0% 0% $22,082 $55,204 $110,408 $165,612 $220,816 Inf $11,041 $27,602
0% 0% $22,523 $56,308 $112,616 $168,924 $225,232 Inf $11,262 $28,154
0% 0% $22,974 $57,434 $114,869 $172,303 $229,737 Inf $11,487 $28,717
0% 0% $23,433 $58,583 $117,166 $175,749 $234,332 Inf $11,717 $29,291
3% 3% $23,902 $59,755 $119,509 $179,264 $239,019 Inf $11,951 $29,877
3% 3% $24,380 $60,950 $121,899 $182,849 $243,799 Inf $12,190 $30,475
3% 3% $24,867 $62,169 $124,337 $186,506 $248,675 Inf $12,434 $31,084
3% 3% $25,365 $63,412 $126,824 $190,236 $253,648 Inf $12,682 $31,706
6% 6% $25,872 $64,680 $129,361 $194,041 $258,721 Inf $12,936 $32,340
6% 6% $26,390 $65,974 $131,948 $197,922 $263,896 Inf $13,195 $32,987
6% 6% $26,917 $67,293 $134,587 $201,880 $269,174 Inf $13,459 $33,647
6% 6% $27,456 $68,639 $137,279 $205,918 $274,557 Inf $13,728 $34,320
6% 6% $28,005 $70,012 $140,024 $210,036 $280,048 Inf $14,002 $35,006
6% 6% $28,565 $71,412 $142,825 $214,237 $285,649 Inf $14,282 $35,706
6% 6% $29,136 $72,841 $145,681 $218,522 $291,362 Inf $14,568 $36,420
6% 6% $29,719 $74,297 $148,595 $222,892 $297,189 Inf $14,859 $37,149
6% 6% $30,313 $75,783 $151,567 $227,350 $303,133 Inf $15,157 $37,892
6% 6% $30,920 $77,299 $154,598 $231,897 $309,196 Inf $15,460 $38,649
6% 6% $31,538 $78,845 $157,690 $236,535 $315,380 Inf $15,769 $39,422
6% 6% $32,169 $80,422 $160,844 $241,266 $321,687 Inf $16,084 $40,211
6% 6% $32,812 $82,030 $164,061 $246,091 $328,121 Inf $16,406 $41,015
6% 6% $33,468 $83,671 $167,342 $251,013 $334,684 Inf $16,734 $41,835
6% 6% $34,138 $85,344 $170,689 $256,033 $341,377 Inf $17,069 $42,672
6% 6% $34,820 $87,051 $174,102 $261,154 $348,205 Inf $17,410 $43,526
6% 6% $35,517 $88,792 $177,584 $266,377 $355,169 Inf $17,758 $44,396
6% 6% $36,227 $90,568 $181,136 $271,704 $362,272 Inf $18,114 $45,284
6% 6% $36,952 $92,379 $184,759 $277,138 $369,518 Inf $18,476 $46,190
6% 6% $37,691 $94,227 $188,454 $282,681 $376,908 Inf $18,845 $47,114
6% 6% $38,445 $96,112 $192,223 $288,335 $384,446 Inf $19,222 $48,056
6% 6% $39,214 $98,034 $196,068 $294,101 $392,135 Inf $19,607 $49,017
6% 6% $39,998 $99,994 $199,989 $299,983 $399,978 Inf $19,999 $49,997
6% 6% $40,798 $101,994 $203,989 $305,983 $407,977 Inf $20,399 $50,997
6% 6% $41,614 $104,034 $208,069 $312,103 $416,137 Inf $20,807 $52,017
6% 6% $42,446 $106,115 $212,230 $318,345 $424,460 Inf $21,223 $53,057
6% 6% $43,295 $108,237 $216,474 $324,712 $432,949 Inf $21,647 $54,119
6% 6% $44,161 $110,402 $220,804 $331,206 $441,608 Inf $22,080 $55,201
6% 6% $45,044 $112,610 $225,220 $337,830 $450,440 Inf $22,522 $56,305
6% 6% $45,945 $114,862 $229,724 $344,587 $459,449 Inf $22,972 $57,431
6% 6% $46,864 $117,159 $234,319 $351,478 $468,638 Inf $23,432 $58,580
6% 6% $47,801 $119,503 $239,005 $358,508 $478,011 Inf $23,901 $59,751
6% 6% $48,757 $121,893 $243,785 $365,678 $487,571 Inf $24,379 $60,946
6% 6% $49,732 $124,331 $248,661 $372,992 $497,322 Inf $24,866 $62,165
6% 6% $50,727 $126,817 $253,634 $380,452 $507,269 Inf $25,363 $63,409
6% 6% $51,741 $129,354 $258,707 $388,061 $517,414 Inf $25,871 $64,677
6% 6% $52,776 $131,941 $263,881 $395,822 $527,762 Inf $26,388 $65,970
6% 6% $53,832 $134,579 $269,159 $403,738 $538,318 Inf $26,916 $67,290
6% 6% $54,908 $137,271 $274,542 $411,813 $549,084 Inf $27,454 $68,635
6% 6% $56,007 $140,016 $280,033 $420,049 $560,066 Inf $28,003 $70,008
6% 6% $57,127 $142,817 $285,633 $428,450 $571,267 Inf $28,563 $71,408
6% 6% $58,269 $145,673 $291,346 $437,019 $582,692 Inf $29,135 $72,837
6% 6% $59,435 $148,587 $297,173 $445,760 $594,346 Inf $29,717 $74,293
6% 6% $60,623 $151,558 $303,117 $454,675 $606,233 Inf $30,312 $75,779
6% 6% $61,836 $154,589 $309,179 $463,768 $618,358 Inf $30,918 $77,295
6% 6% $63,072 $157,681 $315,362 $473,044 $630,725 Inf $31,536 $78,841
6% 6% $64,334 $160,835 $321,670 $482,505 $643,339 Inf $32,167 $80,417
6% 6% $65,621 $164,052 $328,103 $492,155 $656,206 Inf $32,810 $82,026
6% 6% $66,933 $167,333 $334,665 $501,998 $669,330 Inf $33,467 $83,666
6% 6% $68,272 $170,679 $341,358 $512,038 $682,717 Inf $34,136 $85,340
6% 6% $69,637 $174,093 $348,186 $522,278 $696,371 Inf $34,819 $87,046
6% 6% $71,030 $177,575 $355,149 $532,724 $710,299 Inf $35,515 $88,787
6% 6% $72,450 $181,126 $362,252 $543,378 $724,505 Inf $36,225 $90,563
6% 6% $73,899 $184,749 $369,497 $554,246 $738,995 Inf $36,950 $92,374
6% 6% $75,377 $188,444 $376,887 $565,331 $753,775 Inf $37,689 $94,222
6% 6% $76,885 $192,213 $384,425 $576,638 $768,850 Inf $38,443 $96,106
6% 6% $78,423 $196,057 $392,114 $588,170 $784,227 Inf $39,211 $98,028
6% 6% $79,991 $199,978 $399,956 $599,934 $799,912 Inf $39,996 $99,989
6% 6% $81,591 $203,977 $407,955 $611,932 $815,910 Inf $40,795 $101,989
6% 6% $83,223 $208,057 $416,114 $624,171 $832,228 Inf $41,611 $104,029
6% 6% $84,887 $212,218 $424,436 $636,654 $848,873 Inf $42,444 $106,109
6% 6% $86,585 $216,463 $432,925 $649,388 $865,850 Inf $43,293 $108,231
6% 6% $88,317 $220,792 $441,584 $662,375 $883,167 Inf $44,158 $110,396
6% 6% $90,083 $225,208 $450,415 $675,623 $900,830 Inf $45,042 $112,604
6% 6% $91,885 $229,712 $459,424 $689,135 $918,847 Inf $45,942 $114,856
6% 6% $93,722 $234,306 $468,612 $702,918 $937,224 Inf $46,861 $117,153
6% 6% $95,597 $238,992 $477,984 $716,976 $955,968 Inf $47,798 $119,496
State Tax bracket kink points - Single

3 4 5 6
$50,000 $75,000 $100,000 Inf
$51,000 $76,500 $102,000 Inf
$52,020 $78,030 $104,040 Inf
$53,060 $79,591 $106,121 Inf
$54,122 $81,182 $108,243 Inf
$55,204 $82,806 $110,408 Inf
$56,308 $84,462 $112,616 Inf
$57,434 $86,151 $114,869 Inf
$58,583 $87,874 $117,166 Inf
$59,755 $89,632 $119,509 Inf
$60,950 $91,425 $121,899 Inf
$62,169 $93,253 $124,337 Inf
$63,412 $95,118 $126,824 Inf
$64,680 $97,020 $129,361 Inf
$65,974 $98,961 $131,948 Inf
$67,293 $100,940 $134,587 Inf
$68,639 $102,959 $137,279 Inf
$70,012 $105,018 $140,024 Inf
$71,412 $107,118 $142,825 Inf
$72,841 $109,261 $145,681 Inf
$74,297 $111,446 $148,595 Inf
$75,783 $113,675 $151,567 Inf
$77,299 $115,948 $154,598 Inf
$78,845 $118,267 $157,690 Inf
$80,422 $120,633 $160,844 Inf
$82,030 $123,045 $164,061 Inf
$83,671 $125,506 $167,342 Inf
$85,344 $128,016 $170,689 Inf
$87,051 $130,577 $174,102 Inf
$88,792 $133,188 $177,584 Inf
$90,568 $135,852 $181,136 Inf
$92,379 $138,569 $184,759 Inf
$94,227 $141,341 $188,454 Inf
$96,112 $144,167 $192,223 Inf
$98,034 $147,051 $196,068 Inf
$99,994 $149,992 $199,989 Inf
$101,994 $152,992 $203,989 Inf
$104,034 $156,051 $208,069 Inf
$106,115 $159,172 $212,230 Inf
$108,237 $162,356 $216,474 Inf
$110,402 $165,603 $220,804 Inf
$112,610 $168,915 $225,220 Inf
$114,862 $172,293 $229,724 Inf
$117,159 $175,739 $234,319 Inf
$119,503 $179,254 $239,005 Inf
$121,893 $182,839 $243,785 Inf
$124,331 $186,496 $248,661 Inf
$126,817 $190,226 $253,634 Inf
$129,354 $194,030 $258,707 Inf
$131,941 $197,911 $263,881 Inf
$134,579 $201,869 $269,159 Inf
$137,271 $205,906 $274,542 Inf
$140,016 $210,025 $280,033 Inf
$142,817 $214,225 $285,633 Inf
$145,673 $218,510 $291,346 Inf
$148,587 $222,880 $297,173 Inf
$151,558 $227,337 $303,117 Inf
$154,589 $231,884 $309,179 Inf
$157,681 $236,522 $315,362 Inf
$160,835 $241,252 $321,670 Inf
$164,052 $246,077 $328,103 Inf
$167,333 $250,999 $334,665 Inf
$170,679 $256,019 $341,358 Inf
$174,093 $261,139 $348,186 Inf
$177,575 $266,362 $355,149 Inf
$181,126 $271,689 $362,252 Inf
$184,749 $277,123 $369,497 Inf
$188,444 $282,665 $376,887 Inf
$192,213 $288,319 $384,425 Inf
$196,057 $294,085 $392,114 Inf
$199,978 $299,967 $399,956 Inf
$203,977 $305,966 $407,955 Inf
$208,057 $312,086 $416,114 Inf
$212,218 $318,327 $424,436 Inf
$216,463 $324,694 $432,925 Inf
$220,792 $331,188 $441,584 Inf
$225,208 $337,811 $450,415 Inf
$229,712 $344,568 $459,424 Inf
$234,306 $351,459 $468,612 Inf
$238,992 $358,488 $477,984 Inf
According to this site:
https://www.taxwarriors.com/blog/updated-irs-life-expectancy-tables-mean-smaller-rmds-in-2022
Use Life Expectancy from the Uniform Lifetime Table to calculate the initial RMDs while both spouses are alive (if the younger
Once the older spouse dies, use the Single Life Table

Uniform Single Life Table

Age years RMD% Age LE RMD%
70 0.00% 0 84.6 1.18%
71 0.00% 1 83.7 1.19%
72 27.4 3.65% 2 82.8 1.21%
73 26.5 3.77% 3 81.8 1.22%
74 25.5 3.92% 4 80.8 1.24%
75 24.6 4.07% 5 79.8 1.25%
76 23.7 4.22% 6 78.8 1.27%
77 22.9 4.37% 7 77.9 1.28%
78 22 4.55% 8 76.9 1.30%
79 21.1 4.74% 9 75.9 1.32%
80 20.2 4.95% 10 74.9 1.34%
81 19.4 5.15% 11 73.9 1.35%
82 18.5 5.41% 12 72.9 1.37%
83 17.7 5.65% 13 71.9 1.39%
84 16.8 5.95% 14 70.9 1.41%
85 16 6.25% 15 69.9 1.43%
86 15.2 6.58% 16 69 1.45%
87 14.4 6.94% 17 68 1.47%
88 13.7 7.30% 18 67 1.49%
89 12.9 7.75% 19 66 1.52%
90 12.2 8.20% 20 65 1.54%
91 11.5 8.70% 21 64.1 1.56%
92 10.8 9.26% 22 63.1 1.58%
93 10.1 9.90% 23 62.1 1.61%
94 9.5 10.53% 24 61.1 1.64%
95 8.9 11.24% 25 60.2 1.66%
96 8.4 11.90% 26 59.2 1.69%
97 7.8 12.82% 27 58.2 1.72%
98 7.3 13.70% 28 57.3 1.75%
99 6.8 14.71% 29 56.3 1.78%
100 6.4 15.63% 30 55.3 1.81%
101 6 16.67% 31 54.4 1.84%
102 5.6 17.86% 32 53.4 1.87%
103 5.2 19.23% 33 52.5 1.90%
104 4.9 20.41% 34 51.5 1.94%
105 4.6 21.74% 35 50.5 1.98%
106 4.3 23.26% 36 49.6 2.02%
107 4.1 24.39% 37 48.6 2.06%
108 3.9 25.64% 38 47.7 2.10%
109 3.7 27.03% 39 46.7 2.14%
110 3.5 28.57% 40 45.7 2.19%
111 3.4 29.41% 41 44.8 2.23%
112 3.3 30.30% 42 43.8 2.28%
113 3.1 32.26% 43 42.9 2.33%
114 3 33.33% 44 41.9 2.39%
115 2.9 34.48% 45 41 2.44%
116 2.8 35.71% 46 40 2.50%
117 2.7 37.04% 47 39 2.56%
118 2.5 40.00% 48 38.1 2.62%
119 2.3 43.48% 49 37.1 2.70%
120 2 50.00% 50 36.2 2.76%
51 35.3 2.83%
52 34.3 2.92%
53 33.4 2.99%
54 32.5 3.08%
55 31.6 3.16%
56 30.6 3.27%
57 29.8 3.36%
58 28.9 3.46%
59 28 3.57%
60 27.1 3.69%
61 26.2 3.82%
62 25.4 3.94%
63 24.5 4.08%
64 23.7 4.22%
65 22.9 4.37%
66 22 4.55%
67 21.2 4.72%
68 20.4 4.90%
69 19.6 5.10%
70 18.8 5.32%
71 18 5.56%
72 17.2 5.81%
73 16.4 6.10%
74 15.6 6.41%
75 14.8 6.76%
76 14.1 7.09%
77 13.3 7.52%
78 12.6 7.94%
79 11.9 8.40%
80 11.2 8.93%
 81 10.5 9.52%
82 9.9 10.10%
83 9.3 10.75%
84 8.7 11.49%
85 8.1 12.35%
86 7.6 13.16%
87 7.1 14.08%
88 6.6 15.15%
89 6.1 16.39%
90 5.7 17.54%
91 5.3 18.87%
92 4.9 20.41%
93 4.6 21.74%
94 4.3 23.26%
95 4 25.00%
96 3.7 27.03%
97 3.4 29.41%
98 3.2 31.25%
99 3 33.33%
100 2.8 35.71%
101 2.6 38.46%
102 2.5 40.00%
103 2.3 43.48%
104 2.2 45.45%
105 2.1 47.62%
106 2.1 47.62%
107 2.1 47.62%
108 2 50.00%
109 2 50.00%
110 2 50.00%
111 2 50.00%
112 2 50.00%
113 1.9 52.63%
114 1.9 52.63%
115 1.8 55.56%
116 1.8 55.56%
117 1.6 62.50%
118 1.4 71.43%
119 1.1 90.91%
120 1 100.00%
ouses are alive (if the younger spouse is >10 years younger, there is a more complicated joint survival table!)
Version Date
1.00 4/27/2021

1.01 4/28/2021

1.02 4/29/2021
Changes
First Version
Fixed bug in the calculation of LT Cap Gain for heirs, column CP. The link to the step-up basis parameter has to be $C$4. Thank
reader "patientcash" for pointing this out!
Updated RMD table to table 2 in https://www.federalregister.gov/documents/2020/11/12/2020-24723/updated-life-expectan
and-distribution-period-tables-used-for-purposes-of-determining-minimum