Spreadsheet: 43014d1241620343-automation-with-a-growth-rate-sauder-cash-flow-template
Sheet: Cash Flow Projection

Year |  |  |  | Retirement Funding |  |  |  |  |  |  |  | Cash Flow |  |  |  |  |  |  |  |  |  | Insurance
calendar | retirement | age |  | Gauranteed Minimum Income Benefit Bucket Four |  | Qualified Savings Bucket Three |  | Non Qualified Savings Bucket Two |  | Cash Bucket One |  | Annual  Savings Withdrawal |  | Pension Distribution |  | Social Security |  | Annual Income Need |  | After Tax Income Need |  | Disability Premium |  | Long Term Care Premium |  | Life Insurance Premium |  | Disability Benefit |  | Long Term Care Benefit |  | Life Insurance
2009 | 0 | 60 |  | 158003 |  | 1067162 |  | 343460 |  | 43278 |  | 0 | + | 0 | + | 0 | = | 0 |  | 0 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2010 | 0 | 61 |  | 167483.18 |  | 1131191.72 |  | 360633 |  | 44576.34 |  | 0 | + | 0 | + | 0 | = | 0 |  | 0 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2011 | 0 | 62 |  | 177532.1708 |  | 1199063.2232 |  | 378664.65 |  | 45913.6302 |  | 0 | + | 0 | + | 0 | = | 0 |  | 0 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2012 | 0 | 63 |  | 188184.101048 |  | 1271007.016592 |  | 397597.8825 |  | 47291.039106 |  | 0 | + | 0 | + | 0 | = | 0 |  | 0 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2013 | 0 | 64 |  | 199475.14711088 |  | 1347267.43758752 |  | 417477.776625 |  | 48709.77027918 |  | 0 | + | 0 | + | 0 | = | 0 |  | 0 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2014 | 0 | 65 |  | 211443.6559375328 |  | 1428103.483842771 |  | 438351.66545625 |  | 50171.0633875554 |  | 0 | + | 0 | + | 0 | = | 0 |  | 0 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2015 | 1 | 66 |  | 224130.2752937847 |  | 1513789.692873337 |  | 326448.9102539805 |  | 0 |  | 123077.7174805184 | + | 12520 | + | 40800 | = | 176397.7174805184 |  | 140000 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2016 | 2 | 67 |  | 237578.0918114118 |  | 1604617.074445738 |  | 203336.8071373452 |  | 0 |  | 128369.6490049339 | + | 12520 | + | 40800 | = | 181689.6490049339 |  | 144200 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2017 | 3 | 68 |  | 251832.7773200965 |  | 1700894.098912482 |  | 68286.46240599806 |  | 0 |  | 133820.3384750819 | + | 12520 | + | 40800 | = | 187140.3384750819 |  | 148526 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2018 | 4 | 69 |  | 266942.7439593023 |  | 1663513.196217896 |  | 0 |  | 0 |  | 139434.5486293344 | + | 12520 | + | 40800 | = | 192754.5486293344 |  | 152981.78 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2019 | 5 | 70 |  | 282959.3085968604 |  | 1618106.802902756 |  | 0 |  | 0 |  | 145217.1850882144 | + | 12520 | + | 40800 | = | 198537.1850882144 |  | 157571.2334 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2020 | 6 | 71 |  | 299936.8671126721 |  | 1564019.91043606 |  | 0 |  |  |  | 151173.3006408609 | + | 12520 | + | 40800 | = | 204493.3006408609 |  | 162298.370402 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2021 | 7 | 72 |  | 317933.0791394324 |  | 1500553.005402137 |  |  |  |  |  | 157308.0996600867 | + | 12520 | + | 40800 | = | 210628.0996600867 |  | 167167.32151406 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2022 | 8 | 73 |  | 337009.0638877983 |  | 1426959.243076376 |  |  |  |  |  | 163626.9426498893 | + | 12520 | + | 40800 | = | 216946.9426498893 |  | 172182.3411594818 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2023 | 9 | 74 |  | 357229.6077210662 |  | 1342441.446731573 |  |  |  |  |  | 170135.3509293859 | + | 12520 | + | 40800 | = | 223455.3509293859 |  | 177347.8113942662 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2024 | 10 | 75 |  | 378663.3841843302 |  | 1246148.922078199 |  |  |  |  |  | 176839.0114572675 | + | 12520 | + | 40800 | = | 230159.0114572675 |  | 182668.2457360942 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2025 | 11 | 76 |  | 401383.18723539 |  | 1137174.075601906 |  |  |  |  |  | 183743.7818009855 | + | 12520 | + | 40800 | = | 237063.7818009855 |  | 188148.2931081771 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2026 | 12 | 77 |  | 425466.1784695134 |  | 1014548.824883005 |  |  |  |  |  | 190855.6952550151 | + | 12520 | + | 40800 | = | 244175.6952550151 |  | 193792.7419014224 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2027 | 13 | 78 |  | 450994.1491776842 |  | 877240.7882633198 |  |  |  |  |  | 198180.9661126656 | + | 12520 | + | 40800 | = | 251500.9661126656 |  | 199606.524158465 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2028 | 14 | 79 |  | 478053.7981283453 |  | 724149.2404630734 |  |  |  |  |  | 205725.9950960455 | + | 12520 | + | 40800 | = | 259045.9950960455 |  | 205594.719883219 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2029 | 15 | 80 |  | 506737.026016046 |  | 554100.8199419309 |  |  |  |  |  | 213497.3749489269 | + | 12520 | + | 40800 | = | 266817.3749489269 |  | 211762.5614797156 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2030 | 16 | 81 |  | 537141.2475770088 |  | 365844.9729410521 |  |  |  |  |  | 221501.8961973947 | + | 12520 | + | 40800 | = | 274821.8961973947 |  | 218115.438324107 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2031 | 17 | 82 |  | 569369.7224316293 |  | 158049.1182341987 |  |  |  |  |  | 229746.5530833165 | + | 12520 | + | 40800 | = | 283066.5530833165 |  | 224658.9014738303 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2032 | 18 | 83 |  | 569369.7224316293 |  | 0 |  |  |  |  |  | 238238.5496758161 | + | 12520 | + | 40800 | = | 291558.5496758161 |  | 231398.6685180452 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2033 | 19 | 84 |  | 569369.7224316293 |  | 0 |  |  |  |  |  | 246985.3061660905 | + | 12520 | + | 40800 | = | 300305.3061660905 |  | 238340.6285735865 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2034 | 20 | 85 |  | 569369.7224316293 |  | 0 |  |  |  |  |  | 255994.4653510733 | + | 12520 | + | 40800 | = | 309314.4653510733 |  | 245490.8474307941 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2035 | 21 | 86 |  | 569369.7224316293 |  | 0 |  |  |  |  |  | 265273.8993116055 | + | 12520 | + | 40800 | = | 318593.8993116055 |  | 252855.572853718 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2036 | 22 | 87 |  | 569369.7224316293 |  | 0 |  |  |  |  |  | 274831.7162909536 | + | 12520 | + | 40800 | = | 328151.7162909536 |  | 260441.2400393295 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2037 | 23 | 88 |  | 569369.7224316293 |  | 0 |  |  |  |  |  | 284676.2677796822 | + | 12520 | + | 40800 | = | 337996.2677796822 |  | 268254.4772405094 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2038 | 24 | 89 |  | 569369.7224316293 |  | 0 |  |  |  |  |  | 294816.1558130727 | + | 12520 | + | 40800 | = | 348136.1558130727 |  | 276302.1115577247 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2039 | 25 | 90 |  | 569369.7224316293 |  | 0 |  |  |  |  |  | 305260.2404874649 | + | 12520 | + | 40800 | = | 358580.2404874649 |  | 284591.1749044564 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2040 | 26 | 91 |  | 569369.7224316293 |  |  |  |  |  |  |  | 316017.6477020888 | + | 12520 | + | 40800 | = | 369337.6477020888 |  | 293128.9101515901 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2041 | 27 | 92 |  | 569369.7224316293 |  |  |  |  |  |  |  | 327097.7771331515 | + | 12520 | + | 40800 | = | 380417.7771331515 |  | 301922.7774561378 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2042 | 28 | 93 |  | 569369.7224316293 |  |  |  |  |  |  |  | 338510.3104471461 | + | 12520 | + | 40800 | = | 391830.3104471461 |  | 310980.4607798219 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2043 | 29 | 94 |  | 569369.7224316293 |  |  |  |  |  |  |  | 350265.2197605604 | + | 12520 | + | 40800 | = | 403585.2197605604 |  | 320309.8746032165 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2044 | 30 | 95 |  | 569369.7224316293 |  |  |  |  |  |  |  | 362372.7763533772 | + | 12520 | 40800 | 40800 | = | 415692.7763533772 |  | 329919.170841313 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2045 | 31 | 96 |  | 569369.7224316293 |  |  |  |  |  |  |  | 374843.5596439785 | + | 12520 | + | 40800 | = | 428163.5596439785 |  | 339816.7459665524 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2046 | 32 | 97 |  | 569369.7224316293 |  |  |  |  |  |  |  | 387688.4664332978 | + | 12520 | + | 40800 | = | 441008.4664332978 |  | 350011.248345549 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
2047 | 33 | 98 |  | 569369.7224316293 |  |  |  |  |  |  |  | 400918.7204262968 | + | 12520 | + | 40800 | = | 454238.7204262968 |  | 360511.5857959155 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 0
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