Annual Annual

IRA Invest Total IRA + IRA IRA non IRA

Date total NonIRA non IRA IRA w/d period return return SS Taxes Expenses Inputs Enter Values
Do not enter any values in Columns A through F IRA Total $1,000,000
Non-IRA Total $1,000,000 $0.00
Feb-07 $900,719 $900,719 $1,801,438 $58,547 $58,547 $0 $8,782 $42,845 Mo. IRA Savings $0 Insert personal 172.08
Feb-08
Feb-09
$959,266
$1,021,618
$907,639
$913,656
$1,866,905
$1,935,274
$62,352
$66,405
$58,997
$59,388
$0
$0
$8,849
$8,908
$44,130
$45,454
Mo Non IRA Sav
70.5 Date*
$0
Feb-23
Data in Cells I2
Feb-10
Feb-11
$1,088,023
$1,158,745
$918,681
$922,621
$2,006,704
$2,081,365
$70,722
$75,318
$59,714
$59,970
$0
$0
$8,957
$8,996
$46,818
$48,222
Annual Exp#
Tax rate
$45,000
33.50%
through I15 0.54%

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

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

No guarantees, implied or otherwise are provided. This tool is provided for informal planning purposes only. Use at your own risk.
 Required minimum IRA distributions
To calculate the year's minimum distribution amount, take the age of the retiree and find the
corresponding distribution period. Then divide the value of the IRA by the distribution period to find the
required minimum distribution.
Distribution Distribution Distribution
Age of period (in Age of period (in Age of period (in
retiree years) retiree years) retiree years)
70 27.4
71 26.5
72 25.6
73 24.7
74 23.8
75 22.9
76 22
77 21.2
78 20.3
79 19.5
80 18.7
81 17.9
82 17.1
83 16.3
84 15.5
85 14.8
86 14.1
87 13.4
88 12.7
89 12
90 11.4
91 10.8
92 10.2
93 9.6
94 9.1
95 8.6
96 8.1
97 7.6
98 7.1
99 6.7
100 6.3
101 5.9
102 5.5
103 5.2
104 4.9
105 4.5
106 4.2
 107 3.9
108 3.7
109 3.4
110 3.1
111 2.9
112 2.6
113 2.4
114 2.1

115 or older 1.9