Spreadsheet: 71289d1271960577-stopping-spreadsheet-at-a-certain-number-roadmap-template
Sheet: WS... Lower Income

 |  |  |  |  |  |  |  |  |  |  |  |  | Cash Flows: Sam & Sally Sample
 |  |  |  |  |  |  |  |  |  |  |  |  | This is a "what if" analysis showing your investment progress throughout the years.
 |  |  | Retirement Age: |  |  | Risk Profile:
 |  |  | 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 |  | Monthly Income: | 9681.532238555988
 | 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 |  | Assets@94 | 2730959.11999177
 | 2014 | 58 | 1650995.666457986 | 0 | 0 | 0 | 148610.2474270495 | 0 | 0 | 73456.52823317435 | 1873062.44211821 | 1529935.449308888 |  | Assets@93: | 2730959.11999177
 | 2015 | 59 | 1873062.44211821 | 0 | 0 | 0 | 168599.0330711654 | 0 | 0 | 75976.08715157221 | 2117637.562340948 | 1672345.319481586 |  | Difference: | 0
 | 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 | 174134.0248499437 | 203811.6513219429 | 955517.147720931 | 0 | 0 | 4744406.218953919 | 3060391.912519032
 | 2022 | 66 | 4744406.218953919 | 0 | 0 | 180106.8219022968 | 259480.4207223847 | 0 | 0 | 0 | 4823779.817774007 | 3008403.813777361
 | 2023 | 67 | 4823779.817774007 | 0 | 0 | 186284.4858935456 | 263641.6096174042 | 0 | 0 | 0 | 4901136.941497866 | 2955282.260886387
 | 2024 | 68 | 4901136.941497866 | 0 | 0 | 192674.0437596941 | 267676.115736415 | 0 | 0 | 0 | 4976139.013474586 | 2901002.542068995
 | 2025 | 69 | 4976139.013474586 | 0 | 0 | 199282.7634606517 | 271564.2778132922 | 0 | 0 | 0 | 5048420.527827227 | 2845539.40677734
 | 2026 | 70 | 5048420.527827227 | 0 | 0 | 206118.162247352 | 275284.8894832159 | 0 | 0 | 0 | 5117587.25506309 | 2788867.053946454
 | 2027 | 71 | 5117587.25506309 | 0 | 0 | 213188.0152124362 | 278815.0967855097 | 0 | 0 | 0 | 5183214.336636164 | 2730959.119991777
 | 2028 | 72 | 5183214.336636164 | 0 | 0 | 220500.3641342228 | 282130.2893367353 | 0 | 116154.3265441075 | 0 | 5360998.588382784 | 2730959.119991777
 | 2029 | 73 | 5360998.588382784 | 0 | 0 | 228063.5266240266 | 291807.3582609853 | 0 | 120138.4199445704 | 0 | 5544880.839964313 | 2730959.119991777
 | 2030 | 74 | 5544880.839964313 | 0 | 0 | 235886.1055872307 | 301816.3506493371 | 0 | 124259.1677486691 | 0 | 5735070.252775089 | 2730959.119991776
 | 2031 | 75 | 5735070.252775089 | 0 | 0 | 243976.9990088727 | 312168.6514766094 | 0 | 128521.2572024485 | 0 | 5931783.162445274 | 2730959.119991777
 | 2032 | 76 | 5931783.162445274 | 0 | 0 | 252345.4100748771 | 322876.0362222571 | 0 | 132929.5363244925 | 0 | 6135243.324917147 | 2730959.119991776
 | 2033 | 77 | 6135243.324917147 | 0 | 0 | 261000.8576404454 | 333950.6842646805 | 0 | 137489.0194204226 | 0 | 6345682.170961805 | 2730959.119991776
 | 2034 | 78 | 6345682.170961805 | 0 | 0 | 269953.1870575127 | 345405.192734959 | 0 | 142204.8927865431 | 0 | 6563339.069425793 | 2730959.119991776
 | 2035 | 79 | 6563339.069425793 | 0 | 0 | 279212.5813735853 | 357252.590845768 | 0 | 147082.5206091215 | 0 | 6788461.599507098 | 2730959.119991775
 | 2036 | 80 | 6788461.599507098 | 0 | 0 | 288789.5729146993 | 369506.3547117779 | 0 | 152127.4510660144 | 0 | 7021305.832370191 | 2730959.119991775
 | 2037 | 81 | 7021305.832370191 | 0 | 0 | 298695.0552656736 | 382180.4226783918 | 0 | 157345.4226375787 | 0 | 7262136.622420488 | 2730959.119991775
 | 2038 | 82 | 7262136.622420488 | 0 | 0 | 308940.2956612862 | 395289.2111762606 | 0 | 162742.3706340476 | 0 | 7511227.908569509 | 2730959.119991774
 | 2039 | 83 | 7511227.908569509 | 0 | 0 | 319536.9478024683 | 408847.6311196063 | 0 | 168324.4339467955 | 0 | 7768863.025833443 | 2730959.119991774
 | 2040 | 84 | 7768863.025833443 | 0 | 0 | 330497.0651120928 | 422871.1048670088 | 0 | 174097.9620311705 | 0 | 8035335.02761953 | 2730959.119991773
 | 2041 | 85 | 8035335.02761953 | 0 | 0 | 341833.1144454377 | 437375.5837639471 | 0 | 180069.5221288397 | 0 | 8310947.019066879 | 2730959.119991773
 | 2042 | 86 | 8310947.019066879 | 0 | 0 | 353557.9902709163 | 452377.5662870504 | 0 | 186245.9067378589 | 0 | 8596012.501820872 | 2730959.119991773
 | 2043 | 87 | 8596012.501820872 | 0 | 0 | 365685.0293372087 | 467894.1168106962 | 0 | 192634.1413389674 | 0 | 8890855.730633326 | 2730959.119991773
 | 2044 | 88 | 8890855.730633326 | 0 | 0 | 378228.0258434749 | 483942.885017303 | 0 | 199241.492386894 | 0 | 9195812.082194049 | 2730959.119991772
 | 2045 | 89 | 9195812.082194049 | 0 | 0 | 391201.2471299061 | 500542.1259733965 | 0 | 206075.4755757645 | 0 | 9511228.436613303 | 2730959.119991771
 | 2046 | 90 | 9511228.436613303 | 0 | 0 | 404619.449906462 | 517710.7208942838 | 0 | 213143.8643880133 | 0 | 9837463.571989138 | 2730959.119991771
 | 2047 | 91 | 9837463.571989138 | 0 | 0 | 418497.8970382536 | 535468.1986209578 | 0 | 220454.6989365221 | 0 | 10174888.57250836 | 2730959.119991772
 | 2048 | 92 | 10174888.57250836 | 0 | 0 | 432852.3749066656 | 553834.7578336566 | 0 | 228016.2951100448 | 0 | 10523887.2505454 | 2730959.11999177
 | 2049 | 93 | 10523887.2505454 | 0 | 0 | 447699.2113659643 | 572831.290027351 | 0 | 235837.2540323193 | 0 | 10884856.58323911 | 2730959.11999177
 | 2050 | 94 | 10884856.58323911 | 0 | 0 | 463055.2943158169 | 592479.403275289 | 0 | 243926.4718456279 | 0 | 11258207.16404421 | 2730959.11999177
 | 2051 | 95 | 11258207.16404421 | 0 | 0 | 478938.0909108493 | 612801.4468076313 | 0 | 0 | 0 | 11392070.51994099 | 2671788.666544994
 | 2052 | 96 | 11392070.51994099 | 0 | 0 | 495365.6674290915 | 619477.6708653013 | 0 | 0 | 0 | 11516182.5233772 | 2611328.167922519
 | 2053 | 97 | 11516182.5233772 | 0 | 0 | 512356.7098219095 | 625567.4975006181 | 0 | 0 | 0 | 11629393.31105591 | 2549549.4983207
 | 2054 | 98 | 11629393.31105591 | 0 | 0 | 529930.5449688009 | 631004.458252052 | 0 | 0 | 0 | 11730467.22433916 | 2486423.918731912
 | 2055 | 99 | 11730467.22433916 | 0 | 0 | 548107.1626612309 | 635717.1695063902 | 0 | 0 | 0 | 11818077.23118432 | 2421922.063575372
 | 2056 | 100 | 11818077.23118432 | 0 | 0 | 566907.2383405109 | 639629.0140931704 | 0 | 0 | 0 | 11890799.00693698 | 2356013.927036466
 | 2057 | 101 | 11890799.00693698 | 0 | 0 | 586352.1566155906 | 642657.8034407708 | 0 | 0 | 0 | 11947104.65376216 | 2288668.849108261
 | 2058 | 102 | 11947104.65376216 | 0 | 0 | 606464.0355875053 | 644715.4191432289 | 0 | 0 | 0 | 11985356.03731788 | 2219855.501328677
 | 2059 | 103 | 11985356.03731788 | 0 | 0 | 627265.7520081567 | 645707.4327198578 | 0 | 0 | 0 | 12003797.71802958 | 2149541.872206708
 | 2060 | 104 | 12003797.71802958 | 0 | 0 | 648780.9673020366 | 645532.702278861 | 0 | 0 | 0 | 12000549.45300641 | 2077695.252330895
 | 2061 | 105 | 12000549.45300641 | 0 | 0 | 671034.1544804964 | 644082.944721198 | 0 | 0 | 0 | 11973598.24324711 | 2004282.219153138
 | 2062 | 106 | 11973598.24324711 | 0 | 0 | 694050.6259791775 | 641242.2820416818 | 0 | 0 | 0 | 11920789.89930961 | 1929268.621440761
 | 2063 | 107 | 11920789.89930961 | 0 | 0 | 717856.5624502633 | 636886.760200454 | 0 | 0 | 0 | 11839820.0970598 | 1852619.563389591
 | 2064 | 108 | 11839820.0970598 | 0 | 0 | 742479.0425423072 | 630883.8389493197 | 0 | 0 | 0 | 11728224.89346682 | 1774299.388390674
 | 2065 | 109 | 11728224.89346682 | 0 | 0 | 767946.0737015086 | 623091.8509036576 | 0 | 0 | 0 | 11583370.67066897 | 1694271.662443072
 | 2066 | 110 | 11583370.67066897 | 0 | 0 | 794286.6240294704 | 613359.4280514553 | 0 | 0 | 0 | 11402443.47469095 | 1612499.157205014
 | 2067 | 111 | 11402443.47469095 | 0 | 0 | 821530.6552336809 | 601524.8937861457 | 0 | 0 | 0 | 11182437.71324341 | 1528943.832675533
 | 2068 | 112 | 11182437.71324341 | 0 | 0 | 849709.1567081963 | 587415.6184390272 | 0 | 0 | 0 | 10920144.17497425 | 1443566.819498523
 | 2069 | 113 | 10920144.17497425 | 0 | 0 | 878854.1807832876 | 570847.3361697559 | 0 | 0 | 0 | 10612137.33036071 | 1356328.400880982
 | 2070 | 114 | 10612137.33036071 | 0 | 0 | 908998.8791841543 | 551623.4209493874 | 0 | 0 | 0 | 10254761.87212595 | 1267187.994117036
 | 2071 | 115 | 10254761.87212595 | 0 | 0 | 940177.5407401707 | 529534.1192392813 | 0 | 0 | 0 | 9844118.450625056 | 1176104.131709151
 | 2072 | 116 | 9844118.450625056 | 0 | 0 | 972425.6303875585 | 504355.7368305018 | 0 | 0 | 0 | 9376048.557068001 | 1083034.442077735
 | 2073 | 117 | 9376048.557068001 | 0 | 0 | 1005779.829509852 | 475849.7771616807 | 0 | 0 | 0 | 8846118.50471983 | 987935.6298501787