Retire Plan 5
Content
IRA Invest
total
Date
Feb-07
Feb-08
Feb-09
Feb-10
Feb-11
Feb-12
Feb-13
Feb-14
Feb-15
Feb-16
Feb-17
Feb-18
Feb-19
Feb-20
Feb-21
Feb-22
Feb-23
Feb-24
Feb-25
Feb-26
Feb-27
Feb-28
Feb-29
Feb-30
Feb-31
Feb-32
Feb-33
Feb-34
Feb-35
Feb-36
Feb-37
Feb-38
Feb-39
Feb-40
Feb-41
Feb-42
Feb-43
Feb-44
Feb-45
Feb-46
Feb-47
Feb-48
Feb-49
Feb-50
Feb-51
Feb-52
Feb-53
Feb-54
Feb-55
Feb-56
Feb-57
Feb-58
Feb-59
Feb-60
Feb-61
Feb-62
Feb-63
Feb-64
Feb-65
Feb-66
Feb-67
Feb-68
Feb-69
Feb-70
Feb-71
Feb-72
Feb-73
Feb-74
Feb-75
Feb-76
Feb-77
Feb-78
Feb-79
Feb-80
Feb-81
Feb-82
Feb-83
Feb-84
Feb-85
Feb-86
Feb-87
Feb-88
Feb-89
Feb-90
Feb-91
Feb-92
Feb-93
Feb-94
Feb-95
Feb-96
Feb-97
Feb-98
Feb-99
Feb-00
Feb-01
Feb-02
Feb-03
Feb-04
Feb-05
Feb-06
Feb-07
Feb-08
Feb-09
Feb-10
Feb-11
Feb-12
Feb-13
Feb-14
Feb-15
Feb-16
Feb-17
$900,719
$959,266
$1,021,618
$1,088,023
$1,158,745
$1,234,063
$1,314,277
$1,399,705
$1,490,686
$1,587,581
$1,690,773
$1,800,673
$1,917,717
$2,042,369
$2,175,123
$2,316,506
$2,467,079
$2,537,399
$2,606,580
$2,674,188
$2,739,743
$2,802,711
$2,862,498
$2,918,447
$2,970,484
$3,017,236
$3,058,626
$3,093,874
$3,122,134
$3,142,491
$3,153,962
$3,155,489
$3,147,387
$3,128,748
$3,098,628
$3,056,052
$3,000,025
$2,931,866
$2,850,968
$2,756,775
$2,648,801
$2,529,896
$2,400,165
$2,259,859
$2,109,400
$1,949,413
$1,785,167
$1,617,843
$1,448,792
$1,279,547
$1,116,651
$961,345
$810,200
$669,959
$541,722
$430,522
$331,882
$246,396
$177,447
$120,732
$78,275
$46,089
$24,827
$13,374
$7,204
$3,881
$2,091
$1,126
$607
$327
$176
$95
$51
$28
$15
$8
$4
$2
$1
$1
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
NonIRA
Annual Annual
Total IRA +
IRA
IRA
non IRA
non IRA
IRA w/d period return
return
Do not enter any values in Columns A through F
$900,719
$907,639
$913,656
$918,681
$922,621
$925,373
$926,831
$926,880
$925,396
$922,250
$917,302
$924,403
$930,169
$934,474
$937,185
$938,158
$937,240
$994,146
$1,055,931
$1,123,041
$1,195,957
$1,275,203
$1,361,343
$1,454,988
$1,556,364
$1,666,567
$1,785,833
$1,914,871
$2,054,437
$2,205,335
$2,368,419
$2,544,594
$2,733,851
$2,937,008
$3,154,909
$3,388,421
$3,638,428
$3,904,277
$4,186,614
$4,486,058
$4,803,186
$5,136,367
$5,485,823
$5,851,692
$6,234,015
$6,632,713
$7,044,635
$7,469,403
$7,906,549
$8,355,512
$8,812,432
$9,277,037
$9,752,197
$10,234,021
$10,722,443
$11,214,820
$11,714,900
$12,223,067
$12,737,888
$13,263,108
$13,798,275
$14,346,993
$14,909,798
$15,488,457
$16,087,044
$16,708,269
$17,354,130
$18,026,270
$18,726,165
$19,455,234
$20,214,894
$21,006,591
$21,831,824
$22,692,153
$23,589,211
$24,524,705
$25,500,429
$26,518,262
$27,580,178
$28,688,248
$29,844,646
$31,051,656
$32,311,676
$33,627,225
$35,000,948
$36,435,624
$37,934,171
$39,499,658
$41,135,306
$42,844,503
$44,630,807
$46,497,959
$48,449,890
$50,490,733
$52,624,832
$54,856,754
$57,191,302
$59,633,526
$62,188,734
$64,862,511
$67,660,730
$70,589,567
$73,655,520
$76,865,424
$80,226,467
$83,746,215
$87,432,627
$91,294,075
$95,339,373
$99,577,792
###
$1,801,438
$1,866,905
$1,935,274
$2,006,704
$2,081,365
$2,159,436
$2,241,109
$2,326,585
$2,416,082
$2,509,831
$2,608,075
$2,725,076
$2,847,886
$2,976,843
$3,112,308
$3,254,664
$3,404,319 $90,039
$3,531,545 $95,751
$3,662,510 $101,820
$3,797,228 $108,267
$3,935,701 $115,115
$4,077,915 $122,389
$4,223,842 $130,114
$4,373,435 $137,663
$4,526,847 $146,329
$4,683,803 $154,730
$4,844,459 $163,563
$5,008,745 $172,842
$5,176,571 $182,581
$5,347,827 $192,791
$5,522,382 $203,481
$5,700,083 $213,209
$5,881,238 $223,219
$6,065,756 $233,489
$6,253,537 $243,986
$6,444,473 $254,671
$6,638,453 $263,160
$6,836,143 $271,469
$7,037,582 $279,507
$7,242,832 $287,164
$7,451,987 $291,077
$7,666,263 $294,174
$7,885,988 $296,317
$8,111,552 $297,350
$8,343,415 $297,099
$8,582,125 $290,957
$8,829,802 $283,360
$9,087,246 $274,211
$9,355,341 $263,417
$9,635,060 $246,067
$9,929,083 $227,888
$10,238,382 $213,632
$10,562,397 $192,905
$10,903,980 $171,784
$11,264,165 $146,411
$11,645,342 $126,624
$12,046,782 $107,059
$12,469,463 $84,964
$12,915,336 $68,249
$13,383,840 $50,305
$13,876,550 $37,274
$14,393,082 $24,257
$14,934,626 $13,067
$15,501,831 $7,039
$16,094,249 $3,792
$16,712,150 $2,043
$17,356,221 $1,100
$18,027,396
$593
$18,726,772
$319
$19,455,561
$172
$20,215,070
$93
$21,006,686
$50
$21,831,875
$27
$22,692,181
$14
$23,589,226
$8
$24,524,713
$4
$25,500,433
$2
$26,518,265
$1
$27,580,179
$1
$28,688,248
$0
$29,844,646
$0
$31,051,656
$0
$32,311,676
$0
$33,627,225
$0
$35,000,948
$0
$36,435,624
$0
$37,934,171
$0
$39,499,658
$0
$41,135,306
$0
$42,844,503
$0
$44,630,807
$0
$46,497,959
$0
$48,449,890
$0
$50,490,733
$0
$52,624,832
$0
$54,856,754
$0
$57,191,302
$0
$59,633,526
$0
$62,188,734
$0
$64,862,511
$0
$67,660,730
$0
$70,589,567
$0
$73,655,520
$0
$76,865,424
$0
$80,226,467
$0
$83,746,215
$0
$87,432,627
$0
$91,294,075
$0
$95,339,373
$0
$99,577,792
$0
###
$0
27.4
26.5
25.6
24.7
23.8
22.9
22
21.2
20.3
19.5
18.7
17.9
17.1
16.3
15.5
14.8
14.1
13.4
12.7
12
11.4
10.8
10.2
9.6
9.1
8.6
8.1
7.6
7.1
6.7
6.3
5.9
5.5
5.2
4.9
4.5
4.2
3.9
3.7
3.4
3.1
2.9
2.6
2.4
2.1
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
$58,547
$62,352
$66,405
$70,722
$75,318
$80,214
$85,428
$90,981
$96,895
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
$94,172
$83,171
$72,582
$62,487
$52,663
$43,547
$35,212
$27,984
$21,572
$16,016
$11,534
$7,848
$5,088
$2,996
$1,614
$869
$468
$252
$136
$73
$39
$21
$11
$6
$3
$2
$1
$1
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$58,547
$58,997
$59,388
$59,714
$59,970
$60,149
$60,244
$60,247
$60,151
$59,946
$59,625
$60,086
$60,461
$60,741
$60,917
$60,980
$60,921
$64,619
$68,636
$72,998
$77,737
$82,888
$88,487
$94,574
$101,164
$108,327
$116,079
$124,467
$133,538
$143,347
$153,947
$165,399
$177,700
$190,906
$205,069
$220,247
$236,498
$253,778
$272,130
$291,594
$312,207
$333,864
$356,578
$380,360
$405,211
$431,126
$457,901
$485,511
$513,926
$543,108
$572,808
$603,007
$633,893
$665,211
$696,959
$728,963
$761,469
$794,499
$827,963
$862,102
$896,888
$932,555
$969,137
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
SS
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
Taxes
$8,782
$8,849
$8,908
$8,957
$8,996
$9,022
$9,037
$9,037
$9,023
$8,992
$8,944
$9,013
$9,069
$9,111
$9,138
$9,147
$39,301
$41,769
$44,405
$47,219
$50,224
$53,434
$56,861
$60,303
$64,195
$68,084
$72,205
$76,572
$81,195
$86,087
$91,258
$96,235
$101,433
$106,855
$112,496
$118,352
$123,633
$129,009
$134,454
$139,939
$144,342
$148,628
$152,753
$156,666
$160,310
$162,140
$163,611
$164,687
$165,333
$163,899
$162,264
$162,018
$159,707
$157,329
$153,592
$151,764
$150,085
$147,638
$147,058
$146,168
$147,020
$148,009
$149,748
$153,371
$158,119
$163,590
$169,571
$175,955
$182,687
$189,746
$197,126
$204,831
$212,869
$221,253
$229,997
$239,117
$248,630
$258,553
$268,907
$279,711
$290,985
$302,754
$315,039
$327,865
$341,259
$355,247
$369,858
$385,122
$401,069
$417,734
$435,150
$453,355
$472,386
$492,285
$513,092
$534,853
$557,615
$581,427
$606,340
$632,409
$659,692
$688,248
$718,141
$749,438
$782,208
$816,526
$852,468
$890,117
$929,559
$970,883
###
Expenses
$42,845
$44,130
$45,454
$46,818
$48,222
$49,669
$51,159
$52,694
$54,274
$55,903
$57,580
$59,307
$61,086
$62,919
$64,807
$66,751
$68,753
$70,816
$72,940
$75,129
$77,382
$79,704
$82,095
$84,558
$87,095
$89,707
$92,399
$95,171
$98,026
$100,967
$103,996
$107,115
$110,329
$113,639
$117,048
$120,559
$124,176
$127,901
$131,738
$135,691
$139,761
$143,954
$148,273
$152,721
$157,303
$162,022
$166,882
$171,889
$177,045
$182,357
$187,827
$193,462
$199,266
$205,244
$211,401
$217,744
$224,276
$231,004
$237,934
$245,072
$252,424
$259,997
$267,797
$275,831
$284,106
$292,629
$301,408
$310,450
$319,764
$329,357
$339,237
$349,414
$359,897
$370,694
$381,815
$393,269
$405,067
$417,219
$429,736
$442,628
$455,907
$469,584
$483,671
$498,181
$513,127
$528,521
$544,376
$560,708
$577,529
$594,855
$612,700
$631,081
$650,014
$669,514
$689,600
$710,288
$731,596
$753,544
$776,150
$799,435
$823,418
$848,120
$873,564
$899,771
$926,764
$954,567
$983,204
###
###
###
###
Inputs
Enter Values
IRA Total
$1,000,000
Non-IRA Total
$1,000,000
Mo. IRA Savings
$0
Mo Non IRA Sav
$0
70.5 Date*
Feb-23
Annual Exp#
$45,000
Tax rate
33.50%
Invest return
6.50%
Inflation
3.00%
Pension
$0
SS
$14,000
Pension/SS
$14,000
Pen/SS Date*
Jan-17
Div./Cap. Gains %
50.00%
IRA Withdrawl%
50.00%
Enter Date*:
Jan-52
Assetts
$8,343,415
Today
10/18/2008
Notes:
*Enter Date as 1/1/xxxx
#Expenses exclusive of income taxes
Income
Fed Tax
$25,000
$50,000
$75,000
$87,500
$100,000
$150,000
$200,000
Cap Gains/Div
Insert personal
Data in Cells I2
through I15
only!
Do not change
any other cells!
0.54%
No guarantees, implied or
otherwise are provided. This
tool is provided for informal
planning purposes only. Use
at your own risk.
State Tax
13.00%
20.21%
23.51%
24.58%
25.38%
27.25%
28.19%
$0.00
172.08
Tax
1.50%
2.54%
3.53%
3.94%
4.24%
4.95%
5.31%
14.50%
22.75%
27.04%
28.52%
29.63%
32.21%
33.50%
15%
$105,000,000
$100,000,000
$95,000,000
$90,000,000
$85,000,000
$80,000,000
$75,000,000
$70,000,000
$65,000,000
$60,000,000
$55,000,000
$50,000,000
$45,000,000
Column D
$40,000,000
$35,000,000
$30,000,000
$25,000,000
$20,000,000
$15,000,000
$10,000,000
$5,000,000
$0
FFF FFFFFF FFFFFF FFFFFF FFFFFF FFFFFFF FFFFFF FFFFFF FF
eee eeeeee eeeeee eeeeee eeeeee eeeeeee eeeeee eeeeee ee
bbb bbbbbb bbbbbb bbbbbb bbbbbb bbbbbbb bbbbbb bbbbbb bb
No guarantees, implied or otherwise are provided. This tool is provided for informal planning purposes only. Use at your own risk.
Feb-18
Feb-19
Feb-20
Feb-21
Feb-22
$0
$0
$0
$0
$0
###
###
###
###
###
###
###
###
###
###
$0
$0
$0
$0
$0
1.9
1.9
1.9
1.9
1.9
$0
$0
$0
$0
$0
###
###
###
###
###
$14,000
$14,000
$14,000
$14,000
$14,000
###
###
###
###
###
###
###
###
###
###
No guarantees, implied or otherwise are provided. This tool is provided for informal planning purposes only. Use at your own risk.
Required minimum IRA distributions
To calculate the year's minimum distribution amount, take the age of the retiree and find the
corresponding distribution period. Then divide the value of the IRA by the distribution period to find the
required minimum distribution.
Age of
retiree
Distribution
period (in
years)
70
27.4
71
26.5
72
25.6
73
24.7
74
23.8
75
22.9
76
22
77
21.2
78
20.3
79
19.5
80
18.7
81
17.9
82
17.1
83
16.3
84
15.5
85
14.8
86
14.1
87
13.4
88
12.7
89
12
90
11.4
91
10.8
92
10.2
93
9.6
94
9.1
95
8.6
96
8.1
97
7.6
98
7.1
99
6.7
100
6.3
101
5.9
102
5.5
103
5.2
104
4.9
105
4.5
106
4.2
Age of
retiree
Distribution
period (in
years)
Age of
retiree
Distribution
period (in
years)
107
3.9
108
3.7
109
3.4
110
3.1
111
2.9
112
2.6
113
2.4
114
2.1
115 or older
1.9
total
Date
Feb-07
Feb-08
Feb-09
Feb-10
Feb-11
Feb-12
Feb-13
Feb-14
Feb-15
Feb-16
Feb-17
Feb-18
Feb-19
Feb-20
Feb-21
Feb-22
Feb-23
Feb-24
Feb-25
Feb-26
Feb-27
Feb-28
Feb-29
Feb-30
Feb-31
Feb-32
Feb-33
Feb-34
Feb-35
Feb-36
Feb-37
Feb-38
Feb-39
Feb-40
Feb-41
Feb-42
Feb-43
Feb-44
Feb-45
Feb-46
Feb-47
Feb-48
Feb-49
Feb-50
Feb-51
Feb-52
Feb-53
Feb-54
Feb-55
Feb-56
Feb-57
Feb-58
Feb-59
Feb-60
Feb-61
Feb-62
Feb-63
Feb-64
Feb-65
Feb-66
Feb-67
Feb-68
Feb-69
Feb-70
Feb-71
Feb-72
Feb-73
Feb-74
Feb-75
Feb-76
Feb-77
Feb-78
Feb-79
Feb-80
Feb-81
Feb-82
Feb-83
Feb-84
Feb-85
Feb-86
Feb-87
Feb-88
Feb-89
Feb-90
Feb-91
Feb-92
Feb-93
Feb-94
Feb-95
Feb-96
Feb-97
Feb-98
Feb-99
Feb-00
Feb-01
Feb-02
Feb-03
Feb-04
Feb-05
Feb-06
Feb-07
Feb-08
Feb-09
Feb-10
Feb-11
Feb-12
Feb-13
Feb-14
Feb-15
Feb-16
Feb-17
$900,719
$959,266
$1,021,618
$1,088,023
$1,158,745
$1,234,063
$1,314,277
$1,399,705
$1,490,686
$1,587,581
$1,690,773
$1,800,673
$1,917,717
$2,042,369
$2,175,123
$2,316,506
$2,467,079
$2,537,399
$2,606,580
$2,674,188
$2,739,743
$2,802,711
$2,862,498
$2,918,447
$2,970,484
$3,017,236
$3,058,626
$3,093,874
$3,122,134
$3,142,491
$3,153,962
$3,155,489
$3,147,387
$3,128,748
$3,098,628
$3,056,052
$3,000,025
$2,931,866
$2,850,968
$2,756,775
$2,648,801
$2,529,896
$2,400,165
$2,259,859
$2,109,400
$1,949,413
$1,785,167
$1,617,843
$1,448,792
$1,279,547
$1,116,651
$961,345
$810,200
$669,959
$541,722
$430,522
$331,882
$246,396
$177,447
$120,732
$78,275
$46,089
$24,827
$13,374
$7,204
$3,881
$2,091
$1,126
$607
$327
$176
$95
$51
$28
$15
$8
$4
$2
$1
$1
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
NonIRA
Annual Annual
Total IRA +
IRA
IRA
non IRA
non IRA
IRA w/d period return
return
Do not enter any values in Columns A through F
$900,719
$907,639
$913,656
$918,681
$922,621
$925,373
$926,831
$926,880
$925,396
$922,250
$917,302
$924,403
$930,169
$934,474
$937,185
$938,158
$937,240
$994,146
$1,055,931
$1,123,041
$1,195,957
$1,275,203
$1,361,343
$1,454,988
$1,556,364
$1,666,567
$1,785,833
$1,914,871
$2,054,437
$2,205,335
$2,368,419
$2,544,594
$2,733,851
$2,937,008
$3,154,909
$3,388,421
$3,638,428
$3,904,277
$4,186,614
$4,486,058
$4,803,186
$5,136,367
$5,485,823
$5,851,692
$6,234,015
$6,632,713
$7,044,635
$7,469,403
$7,906,549
$8,355,512
$8,812,432
$9,277,037
$9,752,197
$10,234,021
$10,722,443
$11,214,820
$11,714,900
$12,223,067
$12,737,888
$13,263,108
$13,798,275
$14,346,993
$14,909,798
$15,488,457
$16,087,044
$16,708,269
$17,354,130
$18,026,270
$18,726,165
$19,455,234
$20,214,894
$21,006,591
$21,831,824
$22,692,153
$23,589,211
$24,524,705
$25,500,429
$26,518,262
$27,580,178
$28,688,248
$29,844,646
$31,051,656
$32,311,676
$33,627,225
$35,000,948
$36,435,624
$37,934,171
$39,499,658
$41,135,306
$42,844,503
$44,630,807
$46,497,959
$48,449,890
$50,490,733
$52,624,832
$54,856,754
$57,191,302
$59,633,526
$62,188,734
$64,862,511
$67,660,730
$70,589,567
$73,655,520
$76,865,424
$80,226,467
$83,746,215
$87,432,627
$91,294,075
$95,339,373
$99,577,792
###
$1,801,438
$1,866,905
$1,935,274
$2,006,704
$2,081,365
$2,159,436
$2,241,109
$2,326,585
$2,416,082
$2,509,831
$2,608,075
$2,725,076
$2,847,886
$2,976,843
$3,112,308
$3,254,664
$3,404,319 $90,039
$3,531,545 $95,751
$3,662,510 $101,820
$3,797,228 $108,267
$3,935,701 $115,115
$4,077,915 $122,389
$4,223,842 $130,114
$4,373,435 $137,663
$4,526,847 $146,329
$4,683,803 $154,730
$4,844,459 $163,563
$5,008,745 $172,842
$5,176,571 $182,581
$5,347,827 $192,791
$5,522,382 $203,481
$5,700,083 $213,209
$5,881,238 $223,219
$6,065,756 $233,489
$6,253,537 $243,986
$6,444,473 $254,671
$6,638,453 $263,160
$6,836,143 $271,469
$7,037,582 $279,507
$7,242,832 $287,164
$7,451,987 $291,077
$7,666,263 $294,174
$7,885,988 $296,317
$8,111,552 $297,350
$8,343,415 $297,099
$8,582,125 $290,957
$8,829,802 $283,360
$9,087,246 $274,211
$9,355,341 $263,417
$9,635,060 $246,067
$9,929,083 $227,888
$10,238,382 $213,632
$10,562,397 $192,905
$10,903,980 $171,784
$11,264,165 $146,411
$11,645,342 $126,624
$12,046,782 $107,059
$12,469,463 $84,964
$12,915,336 $68,249
$13,383,840 $50,305
$13,876,550 $37,274
$14,393,082 $24,257
$14,934,626 $13,067
$15,501,831 $7,039
$16,094,249 $3,792
$16,712,150 $2,043
$17,356,221 $1,100
$18,027,396
$593
$18,726,772
$319
$19,455,561
$172
$20,215,070
$93
$21,006,686
$50
$21,831,875
$27
$22,692,181
$14
$23,589,226
$8
$24,524,713
$4
$25,500,433
$2
$26,518,265
$1
$27,580,179
$1
$28,688,248
$0
$29,844,646
$0
$31,051,656
$0
$32,311,676
$0
$33,627,225
$0
$35,000,948
$0
$36,435,624
$0
$37,934,171
$0
$39,499,658
$0
$41,135,306
$0
$42,844,503
$0
$44,630,807
$0
$46,497,959
$0
$48,449,890
$0
$50,490,733
$0
$52,624,832
$0
$54,856,754
$0
$57,191,302
$0
$59,633,526
$0
$62,188,734
$0
$64,862,511
$0
$67,660,730
$0
$70,589,567
$0
$73,655,520
$0
$76,865,424
$0
$80,226,467
$0
$83,746,215
$0
$87,432,627
$0
$91,294,075
$0
$95,339,373
$0
$99,577,792
$0
###
$0
27.4
26.5
25.6
24.7
23.8
22.9
22
21.2
20.3
19.5
18.7
17.9
17.1
16.3
15.5
14.8
14.1
13.4
12.7
12
11.4
10.8
10.2
9.6
9.1
8.6
8.1
7.6
7.1
6.7
6.3
5.9
5.5
5.2
4.9
4.5
4.2
3.9
3.7
3.4
3.1
2.9
2.6
2.4
2.1
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
1.9
$58,547
$62,352
$66,405
$70,722
$75,318
$80,214
$85,428
$90,981
$96,895
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
$94,172
$83,171
$72,582
$62,487
$52,663
$43,547
$35,212
$27,984
$21,572
$16,016
$11,534
$7,848
$5,088
$2,996
$1,614
$869
$468
$252
$136
$73
$39
$21
$11
$6
$3
$2
$1
$1
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$58,547
$58,997
$59,388
$59,714
$59,970
$60,149
$60,244
$60,247
$60,151
$59,946
$59,625
$60,086
$60,461
$60,741
$60,917
$60,980
$60,921
$64,619
$68,636
$72,998
$77,737
$82,888
$88,487
$94,574
$101,164
$108,327
$116,079
$124,467
$133,538
$143,347
$153,947
$165,399
$177,700
$190,906
$205,069
$220,247
$236,498
$253,778
$272,130
$291,594
$312,207
$333,864
$356,578
$380,360
$405,211
$431,126
$457,901
$485,511
$513,926
$543,108
$572,808
$603,007
$633,893
$665,211
$696,959
$728,963
$761,469
$794,499
$827,963
$862,102
$896,888
$932,555
$969,137
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
SS
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
$14,000
Taxes
$8,782
$8,849
$8,908
$8,957
$8,996
$9,022
$9,037
$9,037
$9,023
$8,992
$8,944
$9,013
$9,069
$9,111
$9,138
$9,147
$39,301
$41,769
$44,405
$47,219
$50,224
$53,434
$56,861
$60,303
$64,195
$68,084
$72,205
$76,572
$81,195
$86,087
$91,258
$96,235
$101,433
$106,855
$112,496
$118,352
$123,633
$129,009
$134,454
$139,939
$144,342
$148,628
$152,753
$156,666
$160,310
$162,140
$163,611
$164,687
$165,333
$163,899
$162,264
$162,018
$159,707
$157,329
$153,592
$151,764
$150,085
$147,638
$147,058
$146,168
$147,020
$148,009
$149,748
$153,371
$158,119
$163,590
$169,571
$175,955
$182,687
$189,746
$197,126
$204,831
$212,869
$221,253
$229,997
$239,117
$248,630
$258,553
$268,907
$279,711
$290,985
$302,754
$315,039
$327,865
$341,259
$355,247
$369,858
$385,122
$401,069
$417,734
$435,150
$453,355
$472,386
$492,285
$513,092
$534,853
$557,615
$581,427
$606,340
$632,409
$659,692
$688,248
$718,141
$749,438
$782,208
$816,526
$852,468
$890,117
$929,559
$970,883
###
Expenses
$42,845
$44,130
$45,454
$46,818
$48,222
$49,669
$51,159
$52,694
$54,274
$55,903
$57,580
$59,307
$61,086
$62,919
$64,807
$66,751
$68,753
$70,816
$72,940
$75,129
$77,382
$79,704
$82,095
$84,558
$87,095
$89,707
$92,399
$95,171
$98,026
$100,967
$103,996
$107,115
$110,329
$113,639
$117,048
$120,559
$124,176
$127,901
$131,738
$135,691
$139,761
$143,954
$148,273
$152,721
$157,303
$162,022
$166,882
$171,889
$177,045
$182,357
$187,827
$193,462
$199,266
$205,244
$211,401
$217,744
$224,276
$231,004
$237,934
$245,072
$252,424
$259,997
$267,797
$275,831
$284,106
$292,629
$301,408
$310,450
$319,764
$329,357
$339,237
$349,414
$359,897
$370,694
$381,815
$393,269
$405,067
$417,219
$429,736
$442,628
$455,907
$469,584
$483,671
$498,181
$513,127
$528,521
$544,376
$560,708
$577,529
$594,855
$612,700
$631,081
$650,014
$669,514
$689,600
$710,288
$731,596
$753,544
$776,150
$799,435
$823,418
$848,120
$873,564
$899,771
$926,764
$954,567
$983,204
###
###
###
###
Inputs
Enter Values
IRA Total
$1,000,000
Non-IRA Total
$1,000,000
Mo. IRA Savings
$0
Mo Non IRA Sav
$0
70.5 Date*
Feb-23
Annual Exp#
$45,000
Tax rate
33.50%
Invest return
6.50%
Inflation
3.00%
Pension
$0
SS
$14,000
Pension/SS
$14,000
Pen/SS Date*
Jan-17
Div./Cap. Gains %
50.00%
IRA Withdrawl%
50.00%
Enter Date*:
Jan-52
Assetts
$8,343,415
Today
10/18/2008
Notes:
*Enter Date as 1/1/xxxx
#Expenses exclusive of income taxes
Income
Fed Tax
$25,000
$50,000
$75,000
$87,500
$100,000
$150,000
$200,000
Cap Gains/Div
Insert personal
Data in Cells I2
through I15
only!
Do not change
any other cells!
0.54%
No guarantees, implied or
otherwise are provided. This
tool is provided for informal
planning purposes only. Use
at your own risk.
State Tax
13.00%
20.21%
23.51%
24.58%
25.38%
27.25%
28.19%
$0.00
172.08
Tax
1.50%
2.54%
3.53%
3.94%
4.24%
4.95%
5.31%
14.50%
22.75%
27.04%
28.52%
29.63%
32.21%
33.50%
15%
$105,000,000
$100,000,000
$95,000,000
$90,000,000
$85,000,000
$80,000,000
$75,000,000
$70,000,000
$65,000,000
$60,000,000
$55,000,000
$50,000,000
$45,000,000
Column D
$40,000,000
$35,000,000
$30,000,000
$25,000,000
$20,000,000
$15,000,000
$10,000,000
$5,000,000
$0
FFF FFFFFF FFFFFF FFFFFF FFFFFF FFFFFFF FFFFFF FFFFFF FF
eee eeeeee eeeeee eeeeee eeeeee eeeeeee eeeeee eeeeee ee
bbb bbbbbb bbbbbb bbbbbb bbbbbb bbbbbbb bbbbbb bbbbbb bb
No guarantees, implied or otherwise are provided. This tool is provided for informal planning purposes only. Use at your own risk.
Feb-18
Feb-19
Feb-20
Feb-21
Feb-22
$0
$0
$0
$0
$0
###
###
###
###
###
###
###
###
###
###
$0
$0
$0
$0
$0
1.9
1.9
1.9
1.9
1.9
$0
$0
$0
$0
$0
###
###
###
###
###
$14,000
$14,000
$14,000
$14,000
$14,000
###
###
###
###
###
###
###
###
###
###
No guarantees, implied or otherwise are provided. This tool is provided for informal planning purposes only. Use at your own risk.
Required minimum IRA distributions
To calculate the year's minimum distribution amount, take the age of the retiree and find the
corresponding distribution period. Then divide the value of the IRA by the distribution period to find the
required minimum distribution.
Age of
retiree
Distribution
period (in
years)
70
27.4
71
26.5
72
25.6
73
24.7
74
23.8
75
22.9
76
22
77
21.2
78
20.3
79
19.5
80
18.7
81
17.9
82
17.1
83
16.3
84
15.5
85
14.8
86
14.1
87
13.4
88
12.7
89
12
90
11.4
91
10.8
92
10.2
93
9.6
94
9.1
95
8.6
96
8.1
97
7.6
98
7.1
99
6.7
100
6.3
101
5.9
102
5.5
103
5.2
104
4.9
105
4.5
106
4.2
Age of
retiree
Distribution
period (in
years)
Age of
retiree
Distribution
period (in
years)
107
3.9
108
3.7
109
3.4
110
3.1
111
2.9
112
2.6
113
2.4
114
2.1
115 or older
1.9
