Spreadsheet: 71289d1271960577-stopping-spreadsheet-at-a-certain-number-roadmap-template
Sheet: Worksheet

 |  |  |  |  |  |  |  |  |  |  |  | Cash Flows: Sam & Sally Sample
 |  |  |  |  |  |  |  |  |  |  |  | This is a "what if" analysis showing your investment progress throughout the years.
 |  |  | Retirement Age: |  |  | Risk Profile: |  | Risk Implied ROR: | 0.095 |  | Historical Inflation: | 0.0343
 |  |  | 65 |  |  | [NAME] |  | "Growth Phase" ROR: | 0.095 |  | Inflation to Use: | 0.0343
 |  |  |  |  |  |  |  | Post-retirement ROR: | 0.06
 |  |  | Begin | College | Other | Desired | After | [NAME] | Income Stream | Client | Investment Value | Investment Value
 | Year | Age | Investmnts | Expenses | Expenses | Income | Tax Gains | Sources | Additions | Additions | Future Dollars | Today's Dollars
 | 2009 | 53 | 1000000 | 0 | 0 | 0 | 90012.5 | 0 | 0 | 62058 | 1152070.5 | 1113864.932804795
 | 2010 | 54 | 1152070.5 | 0 | 0 | 0 | 103700.74588125 | 0 | 0 | 64186.5894 | 1319957.83528125 | 1233863.192563944
 | 2011 | 55 | 1319957.83528125 | 111154.849 | 0 | 0 | 108807.378802641 | 0 | 0 | 66388.18941641999 | 1383998.554500311 | 1250823.587749181
 | 2012 | 56 | 1383998.554500311 | 117190.5573007 | 0 | 0 | 114028.55484793 | 0 | 0 | 68665.3043134032 | 1449501.856360944 | 1266580.149193053
 | 2013 | 57 | 1449501.856360944 | 0 | 0 | 0 | 130473.2858456895 | 0 | 0 | 71020.52425135294 | 1650995.666457986 | 1394804.403821225
 | 2014 | 58 | 1650995.666457986 | 0 | 0 | 0 | 148610.2474270495 | 0 | 0 | 73456.52823317435 | 1873062.44211821 | 1529935.449308888
 | 2015 | 59 | 1873062.44211821 | 0 | 0 | 0 | 168599.0330711654 | 0 | 0 | 75976.08715157221 | 2117637.562340948 | 1672345.319481586
 | 2016 | 60 | 2117637.562340948 | 0 | 0 | 0 | 190613.8510802145 | 0 | 0 | 78582.06694087115 | 2386833.480362033 | 1822426.087741876
 | 2017 | 61 | 2386833.480362033 | 0 | 0 | 0 | 214844.8486510876 | 0 | 0 | 81277.43183694304 | 2682955.760850064 | 1980590.946499798
 | 2018 | 62 | 2682955.760850064 | 0 | 0 | 0 | 241499.5554235164 | 0 | 0 | 84065.24774895018 | 3008520.56402253 | 2147275.344746796
 | 2019 | 63 | 3008520.56402253 | 0 | 0 | 0 | 270804.457269078 | 0 | 0 | 86948.68574673917 | 3366273.707038348 | 2322938.186904977
 | 2020 | 64 | 3366273.707038348 | 0 | 0 | 0 | 303006.7120547893 | 0 | 0 | 89931.02566785234 | 3759211.444760989 | 2508063.096252306
 | 2021 | 65 | 3759211.444760989 | 0 | 0 | 359724.1026714094 | 193260.8553977926 | 955517.147720931 | 0 | 0 | 4548265.345208303 | 2933870.717658561
 | 2022 | 66 | 4548265.345208303 | 0 | 0 | 372062.6393930386 | 237417.1238255978 | 0 | 0 | 0 | 4413619.829640863 | 2752602.985552983
 | 2023 | 67 | 4413619.829640863 | 0 | 0 | 384824.3879242199 | 229037.0208615911 | 0 | 0 | 0 | 4257832.462578233 | 2567383.220807957
 | 2024 | 68 | 4257832.462578233 | 0 | 0 | 398023.8644300206 | 219430.1188047259 | 0 | 0 | 0 | 4079238.716952939 | 2378125.260476544
 | 2025 | 69 | 4079238.716952939 | 0 | 0 | 411676.0829799704 | 208500.9357413632 | 0 | 0 | 0 | 3876063.569714331 | 2184741.06307129
 | 2026 | 70 | 3876063.569714331 | 0 | 0 | 425796.5726261834 | 196147.6787844612 | 0 | 0 | 0 | 3646414.675872609 | 1987140.66760794
 | 2027 | 71 | 3646414.675872609 | 0 | 0 | 440401.3950672614 | 182261.855013784 | 0 | 0 | 0 | 3388275.135819132 | 1785232.151756214
 | 2028 | 72 | 3388275.135819132 | 0 | 0 | 455507.1629180685 | 166727.8592594254 | 0 | 116154.3265441075 | 0 | 3215650.158704596 | 1638092.042524948
 | 2029 | 73 | 3215650.158704596 | 0 | 0 | 471131.0586061583 | 156025.9108405962 | 0 | 120138.4199445704 | 0 | 3020683.430883604 | 1487743.95740355
 | 2030 | 74 | 3020683.430883604 | 0 | 0 | 487290.8539163495 | 144023.3680005884 | 0 | 124259.1677486691 | 0 | 2801675.112716512 | 1334117.955508017
 | 2031 | 75 | 2801675.112716512 | 0 | 0 | 504004.9302056803 | 130622.5498757408 | 0 | 128521.2572024485 | 0 | 2556813.989589021 | 1177142.571090252
 | 2032 | 76 | 2556813.989589021 | 0 | 0 | 521292.2993117351 | 115719.4080922637 | 0 | 132929.5363244925 | 0 | 2284170.634694042 | 1016744.780292693
 | 2033 | 77 | 2284170.634694042 | 0 | 0 | 539172.6251781278 | 99203.13684097973 | 0 | 137489.0194204226 | 0 | 1981690.165777317 | 852849.9671781232
 | 2034 | 78 | 1981690.165777317 | 0 | 0 | 557666.2462217376 | 80955.75982673468 | 0 | 142204.8927865431 | 0 | 1647184.572168857 | 685381.8890188531
 | 2035 | 79 | 1647184.572168857 | 0 | 0 | 576794.198467143 | 60851.69274494243 | 0 | 147082.5206091215 | 0 | 1278324.587055778 | 514262.6408291354
 | 2036 | 80 | 1278324.587055778 | 0 | 0 | 596578.2394745661 | 38757.2798599919 | 0 | 152127.4510660144 | 0 | 872631.078507218 | 339412.6191243079
 | 2037 | 81 | 872631.078507218 | 0 | 0 | 617040.8730885438 | 14530.30317805163 | 0 | 157345.4226375787 | 0 | 427465.9312343046 | 160750.4848898045
 | 2038 | 82 | 427465.9312343046 | 0 | 0 | 638205.3750354808 | -11980.53738009687 | 0 | 162742.3706340476 | 0 | -59977.61054722554 | -21806.87425718852
 | 2039 | 83 | -59977.61054722554 | 0 | 0 | 660095.8193991978 | -40936.17449245417 | 0 | 168324.4339467955 | 0 | -592685.1704920821 | -208344.3827310352
 | 2040 | 84 | -592685.1704920821 | 0 | 0 | 682737.1060045902 | -72507.75641883582 | 0 | 174097.9620311705 | 0 | -1173832.070884338 | -398948.8164838968
 | 2041 | 85 | -1173832.070884338 | 0 | 0 | 706154.9887405478 | -106877.2643396747 | 0 | 180069.5221288397 | 0 | -1806794.80183572 | -593708.843373302
 | 2042 | 86 | -1806794.80183572 | 0 | 0 | 730376.1048543487 | -144238.1660453304 | 0 | 186245.9067378589 | 0 | -2495163.165997541 | -792715.0644098176
 | 2043 | 87 | -2495163.165997541 | 0 | 0 | 755428.0052508527 | -184796.1080854711 | 0 | 192634.1413389674 | 0 | -3242753.137994897 | -996060.0559040083
 | 2044 | 88 | -3242753.137994897 | 0 | 0 | 781339.1858309569 | -228769.6486094998 | 0 | 199241.492386894 | 0 | -4053620.480048459 | -1203838.412532293
 | 2045 | 89 | -4053620.480048459 | 0 | 0 | 808139.1199049589 | -276391.0332573518 | 0 | 206075.4755757645 | 0 | -4932075.157635006 | -1416146.791341733
 | 2046 | 90 | -4932075.157635006 | 0 | 0 | 835858.291717699 | -327907.0165957012 | 0 | 213143.8643880133 | 0 | -5882696.601560393 | -1633083.956714213
 | 2047 | 91 | -5882696.601560393 | 0 | 0 | 864528.2311236161 | -383579.7317380859 | 0 | 220454.6989365221 | 0 | -6910349.865485573 | -1854750.826310951
 | 2048 | 92 | -6910349.865485573 | 0 | 0 | 894181.5494511559 | -443687.610939153 | 0 | 228016.2951100448 | 0 | -8020202.730765836 | -2081250.518018686
 | 2049 | 93 | -8020202.730765836 | 0 | 0 | 924851.9765973308 | -508526.3601135961 | 0 | 235837.2540323193 | 0 | -9217743.813444445 | -2312688.397919413
 | 2050 | 94 | -9217743.813444445 | 0 | 0 | 956574.3993946193 | -578409.9903999007 | 0 | 243926.4718456279 | 0 | -10508801.73139334 | -2549172.129305938
 | 2051 | 95 | -10508801.73139334 | 0 | 0 | 989384.9012938545 | -653671.9100682668 | 0 | 0 | 0 | -12151858.54275546 | -2849982.176212879
 | 2052 | 96 | -12151858.54275546 | 0 | 0 | 1023320.803408234 | -749008.9458294057 | 0 | 0 | 0 | -13924188.2919931 | -3157350.539428193
 | 2053 | 97 | -13924188.2919931 | 0 | 0 | 1058420.706965137 | -851761.3215907755 | 0 | 0 | 0 | -15834370.32054901 | -3471420.204577672
 | 2054 | 98 | -15834370.32054901 | 0 | 0 | 1094724.537214041 | -962419.0426638293 | 0 | 0 | 0 | -17891513.90042688 | -3792337.274686176
 | 2055 | 99 | -17891513.90042688 | 0 | 0 | 1132273.588840482 | -1081502.318764849 | 0 | 0 | 0 | -20105289.80803221 | -4120251.038143755
 | 2056 | 100 | -20105289.80803221 | 0 | 0 | 1171110.57293771 | -1209563.36165814 | 0 | 0 | 0 | -22485963.74262806 | -4455314.03815356
 | 2057 | 101 | -22485963.74262806 | 0 | 0 | 1211279.665589474 | -1347188.287757167 | 0 | 0 | 0 | -25044431.6959747 | -4797682.143693889
 | 2058 | 102 | -25044431.6959747 | 0 | 0 | 1252826.558119193 | -1494999.131745238 | 0 | 0 | 0 | -27792257.38583913 | -5147514.622027349
 | 2059 | 103 | -27792257.38583913 | 0 | 0 | 1295798.509062682 | -1653655.977625168 | 0 | 0 | 0 | -30741711.87252698 | -5504974.212790877
 | 2060 | 104 | -30741711.87252698 | 0 | 0 | 1340244.397923531 | -1823859.213975112 | 0 | 0 | 0 | -33905815.48442563 | -5870227.203701091
 | 2061 | 105 | -33905815.48442563 | 0 | 0 | 1386214.780772309 | -2006351.920576503 | 0 | 0 | 0 | -37298382.18577444 | -6243443.507910178
 | 2062 | 106 | -37298382.18577444 | 0 | 0 | 1433761.947752799 | -2201922.393991023 | 0 | 0 | 0 | -40934066.52751826 | -6624796.743048315
 | 2063 | 107 | -40934066.52751826 | 0 | 0 | 1482939.98256072 | -2411406.820097989 | 0 | 0 | 0 | -44828413.33017696 | -7014464.311989376
 | 2064 | 108 | -44828413.33017696 | 0 | 0 | 1533804.823962552 | -2635692.102062832 | 0 | 0 | 0 | -48997910.25620235 | -7412627.485377521
 | 2065 | 109 | -48997910.25620235 | 0 | 0 | 1586414.329424468 | -2875718.852692884 | 0 | 0 | 0 | -53460043.43831971 | -7819471.485953044
 | 2066 | 110 | -53460043.43831971 | 0 | 0 | 1640828.340923728 | -3132484.560649989 | 0 | 0 | 0 | -58233356.33989342 | -8235185.574716695
 | 2067 | 111 | -58233356.33989342 | 0 | 0 | 1697108.753017411 | -3407046.940531981 | 0 | 0 | 0 | -63337512.03344282 | -8659963.138972579
 | 2068 | 112 | -63337512.03344282 | 0 | 0 | 1755319.583245908 | -3700527.477408754 | 0 | 0 | 0 | -68793359.09409748 | -9094001.7822906
 | 2069 | 113 | -68793359.09409748 | 0 | 0 | 1815527.044951244 | -4014115.17700492 | 0 | 0 | 0 | -74623001.31605364 | -9537503.416430263
 | 2070 | 114 | -74623001.31605364 | 0 | 0 | 1877799.622593071 | -4349070.533362065 | 0 | 0 | 0 | -80849871.47200878 | -9990674.35526861
 | 2071 | 115 | -80849871.47200878 | 0 | 0 | 1942208.149648013 | -4706729.726491188 | 0 | 0 | 0 | -87498809.34814797 | -10453725.41077602
 | 2072 | 116 | -87498809.34814797 | 0 | 0 | 2008825.88918094 | -5088509.063242149 | 0 | 0 | 0 | -94596144.30057107 | -10926871.99108443
 | 2073 | 117 | -94596144.30057107 | 0 | 0 | 2077728.617179847 | -5495909.675374139 | 0 | 0 | 0 | -102169782.593125 | -11410334.20069378