Spreadsheet: 44115d1242758210-formula-producing-inconsistent-results-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  Withdrawl from Retirment Funding |  | Pension Income |  | Social Security Income |  | 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 |  | 166988 |  | 1239509 |  | 349710 |  | 43287 |  | 0 | + | 0 | + | 0 | = | 0 |  | 0 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2010 | 0 | 61 |  | 177007.28 |  | 1383879.54 |  | 417195.5 |  | 44585.61 |  | 0 | + | 0 | + | 0 | = | 0 |  | 0 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2011 | 0 | 62 |  | 187627.7168 |  | 1536912.3124 |  | 488055.275 |  | 45923.1783 |  | 0 | + | 0 | + | 0 | = | 0 |  | 0 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2012 | 0 | 63 |  | 198885.379808 |  | 1699127.051144 |  | 562458.0387500001 |  | 47300.873649 |  | 0 | + | 0 | + | 0 | = | 0 |  | 0 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2013 | 0 | 64 |  | 210818.50259648 |  | 1871074.67421264 |  | 590580.9406875 |  | 48719.89985847 |  | 0 | + | 0 | + | 0 | = | 0 |  | 0 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2014 | 0 | 65 |  | 223467.6127522688 |  | 2053339.154665398 |  | 620109.9877218751 |  | 50181.4968542241 |  | 0 | + | 0 | + | 0 | = | 0 |  | 0 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2015 | 1 | 66 |  | 236875.6695174049 |  | 2176539.503945322 |  | 436317.8845330228 |  | 0 |  | 199406.5553538939 | + | 12520 | + | 40800 | = | 252726.5553538939 |  | 200000 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2016 | 2 | 67 |  | 251088.2096884492 |  | 2307131.874182042 |  | 235292.6481074795 |  | 0 |  | 206988.3520145107 | + | 12520 | + | 40800 | = | 260308.3520145107 |  | 206000 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2017 | 3 | 68 |  | 266153.5022697562 |  | 2445559.786632964 |  | 15931.3159410932 |  | 0 |  | 214797.6025749461 | + | 12520 | + | 40800 | = | 268117.6025749461 |  | 212180 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2018 | 4 | 69 |  | 282122.7124059415 |  | 2369452.243178748 |  | 0 |  | 0 |  | 222841.1306521944 | + | 12520 | + | 40800 | = | 276161.1306521944 |  | 218545.4 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2019 | 5 | 70 |  | 299050.075150298 |  | 2280493.413197713 |  | 0 |  | 0 |  | 231125.9645717603 | + | 12520 | + | 40800 | = | 284445.9645717603 |  | 225101.762 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2020 | 6 | 71 |  | 316993.0796593159 |  | 2177663.674480663 |  | 0 |  | 0 |  | 239659.3435089131 | + | 12520 | + | 40800 | = | 292979.3435089131 |  | 231854.81486 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2021 | 7 | 72 |  | 336012.6644388748 |  | 2059874.771135322 |  | 0 |  | 0 |  | 248448.7238141805 | + | 12520 | + | 40800 | = | 301768.7238141805 |  | 238810.4593058 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2022 | 8 | 73 |  | 356173.4243052073 |  | 1925965.471874835 |  | 0 |  | 0 |  | 257501.7855286059 | + | 12520 | + | 40800 | = | 310821.7855286059 |  | 245974.773084974 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2023 | 9 | 74 |  | 377543.8297635197 |  | 1774696.961092862 |  | 0 |  | 0 |  | 266826.4390944641 | + | 12520 | + | 40800 | = | 320146.4390944641 |  | 253354.0162775232 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2024 | 10 | 75 |  | 400196.4595493309 |  | 1604747.946491135 |  | 0 |  | 0 |  | 276430.832267298 | + | 12520 | + | 40800 | = | 329750.832267298 |  | 260954.6367658489 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2025 | 11 | 76 |  | 424208.2471222907 |  | 1414709.466045287 |  | 0 |  | 0 |  | 286323.3572353169 | + | 12520 | + | 40800 | = | 339643.3572353169 |  | 268783.2758688243 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2026 | 12 | 77 |  | 449660.7419496282 |  | 1203079.376055627 |  | 0 |  | 0 |  | 296512.6579523764 | + | 12520 | + | 40800 | = | 349832.6579523764 |  | 276846.7741448891 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2027 | 13 | 78 |  | 476640.3864666059 |  | 968256.5009280172 |  | 0 |  | 0 |  | 307007.6376909477 | + | 12520 | + | 40800 | = | 360327.6376909477 |  | 285152.1773692358 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2028 | 14 | 79 |  | 505238.8096546023 |  | 708534.4241620221 |  | 0 |  | 0 |  | 317817.4668216761 | + | 12520 | + | 40800 | = | 371137.4668216761 |  | 293706.7426903129 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2029 | 15 | 80 |  | 535553.1382338784 |  | 422094.8987854169 |  | 0 |  | 0 |  | 328951.5908263265 | + | 12520 | + | 40800 | = | 382271.5908263265 |  | 302517.9449710223 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2030 | 16 | 81 |  | 567686.3265279111 |  | 107000.8541614257 |  | 0 |  | 0 |  | 340419.7385511163 | + | 12520 | + | 40800 | = | 393739.7385511163 |  | 311593.4833201529 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2031 | 17 | 82 |  | 567686.3265279111 |  | 77316.05504393607 |  | 0 |  | 0 |  | 352231.9307076497 | + | 12520 | + | 40800 | = | 405551.9307076497 |  | 320941.2878197575 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2032 | 18 | 83 |  | 567686.3265279111 |  | 43683.87695736658 |  | 0 |  | 0 |  | 364398.4886288792 | + | 12520 | + | 40800 | = | 417718.4886288792 |  | 330569.5264543502 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2033 | 19 | 84 |  | 567686.3265279111 |  | 5737.49970225057 |  | 0 |  | 0 |  | 376930.0432877456 | + | 12520 | + | 40800 | = | 430250.0432877456 |  | 340486.6122479807 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2034 | 20 | 85 |  | 567686.3265279111 |  | 0 |  | 0 |  | 0 |  | 34061.17959167466 | + | 12520 | + | 40800 | = | 443157.5445863779 |  | 350701.2106154201 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2035 | 21 | 86 |  | 567686.3265279111 |  | 0 |  | 0 |  | 0 |  | 34061.17959167466 | + | 12520 | + | 40800 | = | 456452.2709239692 |  | 361222.2469338827 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2036 | 22 | 87 |  | 567686.3265279111 |  | 0 |  | 0 |  | 0 |  | 34061.17959167466 | + | 12520 | + | 40800 | = | 470145.8390516883 |  | 372058.9143418992 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2037 | 23 | 88 |  | 567686.3265279111 |  | 0 |  | 0 |  | 0 |  | 34061.17959167466 | + | 12520 | + | 40800 | = | 484250.214223239 |  | 383220.6817721562 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2038 | 24 | 89 |  | 567686.3265279111 |  | 0 |  | 0 |  | 0 |  | 34061.17959167466 | + | 12520 | + | 40800 | = | 498777.7206499362 |  | 394717.3022253209 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2039 | 25 | 90 |  | 567686.3265279111 |  | 0 |  | 0 |  | 0 |  | 34061.17959167466 | + | 12520 | + | 40800 | = | 513741.0522694343 |  | 406558.8212920805 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2040 | 26 | 91 |  | 567686.3265279111 |  | 0 |  | 0 |  | 0 |  | 34061.17959167466 | + | 12520 | + | 40800 | = | 529153.2838375173 |  | 418755.5859308429 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2041 | 27 | 92 |  | 567686.3265279111 |  | 0 |  | 0 |  | 0 |  | 34061.17959167466 | + | 12520 | + | 40800 | = | 545027.8823526428 |  | 431318.2535087682 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2042 | 28 | 93 |  | 567686.3265279111 |  | 0 |  | 0 |  | 0 |  | 34061.17959167466 | + | 12520 | + | 40800 | = | 561378.7188232221 |  | 444257.8011140313 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2043 | 29 | 94 |  | 567686.3265279111 |  | 0 |  | 0 |  | 0 |  | 34061.17959167466 | + | 12520 | + | 40800 | = | 578220.0803879187 |  | 457585.5351474522 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2044 | 30 | 95 |  | 567686.3265279111 |  | 0 |  | 0 |  | 0 |  | 34061.17959167466 | + | 12520 | 40800 | 40800 | = | 595566.6827995563 |  | 471313.1012018758 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2045 | 31 | 96 |  | 567686.3265279111 |  | 0 |  | 0 |  | 0 |  | 34061.17959167466 | + | 12520 | + | 40800 | = | 613433.683283543 |  | 485452.494237932 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2046 | 32 | 97 |  | 567686.3265279111 |  | 0 |  | 0 |  | 0 |  | 34061.17959167466 | + | 12520 | + | 40800 | = | 631836.6937820493 |  | 500016.06906507 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
2047 | 33 | 98 |  | 567686.3265279111 |  | 0 |  | 0 |  | 0 |  | 34061.17959167466 | + | 12520 | + | 40800 | = | 650791.7945955107 |  | 515016.5511370221 |  | 0 | - | 0 | - | 0 |  | 0 |  | 0 |  | 215000
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