Projected Total Return for:
Start Date: January 1, 2011
Beginning Balance: $ 30,000.00
Equity Return Assumption 8.00%
Date Beg. Balance Projected Balance Add / Subtract
1 $ 30,000.00 $ 2,400.00 $2,250.00
2 $ 34,650.00 $ 2,772.00 $3,090.00
3 $ 40,512.00 $ 3,240.96 $3,978.38
4 $ 47,731.34 $ 3,818.51 $4,917.27
5 $ 56,467.11 $ 4,517.37 $5,627.54
6 $ 66,612.03 $ 5,328.96 $6,376.01
7 $ 78,317.00 $ 6,265.36 $7,164.31
8 $ 91,746.67 $ 7,339.73 $7,994.18
9 $ 107,080.58 $ 8,566.45 $8,867.39
10 $ 124,514.42 $ 9,961.15 $9,785.80
11 $ 144,261.37 $ 11,540.91 $10,751.33
12 $ 166,553.61 $ 13,324.29 $11,765.99
13 $ 191,643.89 $ 15,331.51 $12,831.85
14 $ 219,807.25 $ 17,584.58 $13,951.07
15 $ 251,342.90 $ 20,107.43 $15,125.90
16 $ 286,576.23 $ 22,926.10 $16,358.66
17 $ 325,860.99 $ 26,068.88 $17,651.77
18 $ 369,581.64 $ 29,566.53 $19,007.75
19 $ 418,155.91 $ 33,452.47 $20,429.20
20 $ 472,037.58 $ 37,763.01 $21,918.83
21 $ 531,719.42 $ 42,537.55 $23,479.45
22 $ 597,736.42 $ 47,818.91 $25,113.98
23 $ 670,669.31 $ 53,653.54 $26,825.45
24 $ 751,148.30 $ 60,091.86 $28,617.00
25 $ 839,857.17 $ 67,188.57 $30,491.91
26 $ 937,537.65 $ 75,003.01 $32,453.56
27 $ 1,044,994.22 $ 83,599.54 $34,505.46
28 $ 1,163,099.22 $ 93,047.94 $36,651.27
29 $ 1,292,798.42 $ 103,423.87 $38,894.77
30 $ 1,435,117.07 $ 114,809.37 $41,239.90
Date Salary
Annual Wage: $50,000 1 $50,000.00
Beginning deferral: 3% 2 $51,500.00
Match 100% on first 4%: 3 $53,045.00
Salary increase: 3% 4 $54,636.35
Deferral increase: 1% 5 $56,275.44
% of Projected Salary Saved: 22.62% 6 $57,963.70
7 $59,702.61
8 $61,493.69
9 $63,338.50
10 $65,238.66
11 $67,195.82
12 $69,211.69
13 $71,288.04
14 $73,426.69
15 $75,629.49
16 $77,898.37
17 $80,235.32
18 $82,642.38
19 $85,121.65
20 $87,675.30
21 $90,305.56
22 $93,014.73
23 $95,805.17
24 $98,679.33
25 $101,639.71
26 $104,688.90
27 $107,829.56
28 $111,064.45
29 $114,396.38
30 $117,828.28
Totals $2,378,770.79
Annual Projected Rates of Return Annual Projected Total Return
End Balance Equity Equity
$ 34,650.00 8.00% $ 2,400.00
$ 40,512.00 8.00% $ 2,772.00
$ 47,731.34 8.00% $ 3,240.96
$ 56,467.11 8.00% $ 3,818.51
$ 66,612.03 8.00% $ 4,517.37
$ 78,317.00 8.00% $ 5,328.96
$ 91,746.67 8.00% $ 6,265.36
$ 107,080.58 8.00% $ 7,339.73
$ 124,514.42 8.00% $ 8,566.45
$ 144,261.37 8.00% $ 9,961.15
$ 166,553.61 8.00% $ 11,540.91
$ 191,643.89 8.00% $ 13,324.29
$ 219,807.25 8.00% $ 15,331.51
$ 251,342.90 8.00% $ 17,584.58
$ 286,576.23 8.00% $ 20,107.43
$ 325,860.99 8.00% $ 22,926.10
$ 369,581.64 8.00% $ 26,068.88
$ 418,155.91 8.00% $ 29,566.53
$ 472,037.58 8.00% $ 33,452.47
$ 531,719.42 8.00% $ 37,763.01
$ 597,736.42 8.00% $ 42,537.55
$ 670,669.31 8.00% $ 47,818.91
$ 751,148.30 8.00% $ 53,653.54
$ 839,857.17 8.00% $ 60,091.86
$ 937,537.65 8.00% $ 67,188.57
$ 1,044,994.22 8.00% $ 75,003.01
$ 1,163,099.22 8.00% $ 83,599.54
$ 1,292,798.42 8.00% $ 93,047.94
$ 1,435,117.07 8.00% $ 103,423.87
$ 1,591,166.33 8.00% $ 114,809.37
Deferral Match Total Contribution Deferral %
$1,500.00 $750.00 $2,250.00 3%
$2,060.00 $1,030.00 $3,090.00 4%
$2,652.25 $1,326.13 $3,978.38 5%
$3,278.18 $1,639.09 $4,917.27 6%
$3,939.28 $1,688.26 $5,627.54 7%
$4,637.10 $1,738.91 $6,376.01 8%
$5,373.24 $1,791.08 $7,164.31 9%
$6,149.37 $1,844.81 $7,994.18 10%
$6,967.24 $1,900.16 $8,867.39 11%
$7,828.64 $1,957.16 $9,785.80 12%
$8,735.46 $2,015.87 $10,751.33 13%
$9,689.64 $2,076.35 $11,765.99 14%
$10,693.21 $2,138.64 $12,831.85 15%
$11,748.27 $2,202.80 $13,951.07 16%
$12,857.01 $2,268.88 $15,125.90 17%
$14,021.71 $2,336.95 $16,358.66 18%
$15,244.71 $2,407.06 $17,651.77 19%
$16,528.48 $2,479.27 $19,007.75 20%
$17,875.55 $2,553.65 $20,429.20 21%
$19,288.57 $2,630.26 $21,918.83 22%
$20,770.28 $2,709.17 $23,479.45 23%
$22,323.53 $2,790.44 $25,113.98 24%
$23,951.29 $2,874.16 $26,825.45 25%
$25,656.62 $2,960.38 $28,617.00 26%
$27,442.72 $3,049.19 $30,491.91 27%
$29,312.89 $3,140.67 $32,453.56 28%
$31,270.57 $3,234.89 $34,505.46 29%
$33,319.34 $3,331.93 $36,651.27 30%
$35,462.88 $3,431.89 $38,894.77 31%
$37,705.05 $3,534.85 $41,239.90 32%
$468,283.06 $69,832.90 $538,115.95
Projected Total Return for:
Start Date: January 1, 2040
Beginning Balance: $ 1,591,166.33
Contributions/ Distributions
Equity Assumption 6.00%
Date Beg. Balance Projected Balance Add / Subtract
1 $ 1,591,166.33 $ 95,469.98 ($94,262.62)
2 $ 1,592,373.69 $ 95,542.42 ($97,090.50)
3 $ 1,590,825.61 $ 95,449.54 ($100,003.21)
4 $ 1,586,271.94 $ 95,176.32 ($103,003.31)
5 $ 1,578,444.94 $ 94,706.70 ($106,093.41)
6 $ 1,567,058.23 $ 94,023.49 ($109,276.21)
7 $ 1,551,805.51 $ 93,108.33 ($112,554.50)
8 $ 1,532,359.34 $ 91,941.56 ($115,931.13)
9 $ 1,508,369.77 $ 90,502.19 ($119,409.07)
10 $ 1,479,462.89 $ 88,767.77 ($122,991.34)
11 $ 1,445,239.32 $ 86,714.36 ($126,681.08)
12 $ 1,405,272.60 $ 84,316.36 ($130,481.51)
13 $ 1,359,107.45 $ 81,546.45 ($134,395.96)
14 $ 1,306,257.94 $ 78,375.48 ($138,427.84)
15 $ 1,246,205.58 $ 74,772.33 ($142,580.67)
16 $ 1,178,397.24 $ 70,703.83 ($146,858.09)
17 $ 1,102,242.99 $ 66,134.58 ($151,263.83)
18 $ 1,017,113.73 $ 61,026.82 ($155,801.75)
19 $ 922,338.81 $ 55,340.33 ($160,475.80)
20 $ 817,203.34 $ 49,032.20 ($165,290.08)
21 $ 700,945.46 $ 42,056.73 ($170,248.78)
22 $ 572,753.41 $ 34,365.20 ($175,356.24)
23 $ 431,762.37 $ 25,905.74 ($180,616.93)
24 $ 277,051.19 $ 16,623.07 ($186,035.44)
25 $ 107,638.82 $ 6,458.33 ($191,616.50)
26 $ (77,519.34) $ (4,651.16) ($197,364.99)
27 $ (279,535.50) $ (16,772.13) ($203,285.94)
28 $ (499,593.57) $ (29,975.61) ($209,384.52)
29 $ (738,953.71) $ (44,337.22) ($215,666.06)
30 $ (998,956.99) $ (59,937.42) ($222,136.04)
Year Distribution Amount
Ending Annual Salary $117,828 1 $94,262.62
Annual Inflation Rate: 3% 2 $97,090.50
3 $100,003.21
4 $103,003.31
5 $106,093.41
6 $109,276.21
7 $112,554.50
8 $115,931.13
9 $119,409.07
10 $122,991.34
11 $126,681.08
12 $130,481.51
13 $134,395.96
14 $138,427.84
15 $142,580.67
16 $146,858.09
17 $151,263.83
18 $155,801.75
19 $160,475.80
20 $165,290.08
21 $170,248.78
22 $175,356.24
23 $180,616.93
24 $186,035.44
25 $191,616.50
26 $197,364.99
27 $203,285.94
28 $209,384.52
29 $215,666.06
30 $222,136.04
Annual Projected Rates of Return Annual Projected Total Return
End Balance Equity Equity
$ 1,592,373.69 6.00% $ 95,469.98
$ 1,590,825.61 6.00% $ 95,542.42
$ 1,586,271.94 6.00% $ 95,449.54
$ 1,578,444.94 6.00% $ 95,176.32
$ 1,567,058.23 6.00% $ 94,706.70
$ 1,551,805.51 6.00% $ 94,023.49
$ 1,532,359.34 6.00% $ 93,108.33
$ 1,508,369.77 6.00% $ 91,941.56
$ 1,479,462.89 6.00% $ 90,502.19
$ 1,445,239.32 6.00% $ 88,767.77
$ 1,405,272.60 6.00% $ 86,714.36
$ 1,359,107.45 6.00% $ 84,316.36
$ 1,306,257.94 6.00% $ 81,546.45
$ 1,246,205.58 6.00% $ 78,375.48
$ 1,178,397.24 6.00% $ 74,772.33
$ 1,102,242.99 6.00% $ 70,703.83
$ 1,017,113.73 6.00% $ 66,134.58
$ 922,338.81 6.00% $ 61,026.82
$ 817,203.34 6.00% $ 55,340.33
$ 700,945.46 6.00% $ 49,032.20
$ 572,753.41 6.00% $ 42,056.73
$ 431,762.37 6.00% $ 34,365.20
$ 277,051.19 6.00% $ 25,905.74
$ 107,638.82 6.00% $ 16,623.07
$ (77,519.34) 6.00% $ 6,458.33
$ (279,535.50) 6.00% $ (4,651.16)
$ (499,593.57) 6.00% $ (16,772.13)
$ (738,953.71) 6.00% $ (29,975.61)
$ (998,956.99) 6.00% $ (44,337.22)
$ (1,281,030.45) 6.00% $ (59,937.42)