1%
Code: Select all
Newguy | | | | | | | | |
Year | NG Age | No | Op Bal | Contr | Total | Draw Down | Growth | Total | Tax Free Cash
| | | | | | | | |
| | | | | | | | |
1979 | | | | 16.80 | | 4.00% | 1.00% | | 25.00%
2021 | 42 | 1 | 279.0 | 16.8 | 295.8 | 0 | 2.9 | 298.7 | 0.0
2022 | 43 | 2 | 298.7 | 16.8 | 315.5 | 0 | 3.1 | 318.6 | 0.0
2023 | 44 | 3 | 318.6 | 16.8 | 335.4 | 0 | 3.3 | 338.6 | 0.0
2024 | 45 | 4 | 338.6 | 16.8 | 355.4 | 0 | 3.5 | 358.9 | 0.0
2025 | 46 | 5 | 358.9 | 16.8 | 375.7 | 0 | 3.7 | 379.4 | 0.0
2026 | 47 | 6 | 379.4 | 16.8 | 396.2 | 0 | 3.9 | 400.1 | 0.0
2027 | 48 | 7 | 400.1 | 16.8 | 416.9 | 0 | 4.1 | 421.0 | 0.0
2028 | 49 | 8 | 421.0 | 16.8 | 437.8 | 0 | 4.3 | 442.1 | 0.0
2029 | 50 | 9 | 442.1 | 16.8 | 458.9 | 0 | 4.5 | 463.4 | 0.0
2030 | 51 | 10 | 463.4 | 16.8 | 480.2 | 0 | 4.7 | 484.9 | 0.0
2031 | 52 | 11 | 484.9 | 16.8 | 501.7 | 0 | 4.9 | 506.6 | 0.0
2032 | 53 | 12 | 506.6 | 16.8 | 523.4 | 0 | 5.2 | 528.6 | 0.0
2033 | 54 | 13 | 528.6 | 16.8 | 545.4 | 0 | 5.4 | 550.8 | 0.0
2034 | 55 | 14 | 550.8 | 16.8 | 567.6 | 0 | 5.6 | 573.2 | 0.0
2035 | 56 | 15 | 573.2 | 0.0 | 573.2 | (22.9) | 5.7 | 556.0 | 139.0
2036 | 57 | 16 | 417.0 | 0.0 | 417.0 | (16.7) | 4.2 | 404.5 | 0.0
2037 | 58 | 17 | 404.5 | 0.0 | 404.5 | (16.2) | 4.0 | 392.3 | 0.0
2038 | 59 | 18 | 392.3 | 0.0 | 392.3 | (15.7) | 3.9 | 380.6 | 0.0
2039 | 60 | 19 | 380.6 | 0.0 | 380.6 | (15.2) | 3.8 | 369.2 | 0.0
2040 | 61 | 20 | 369.2 | 0.0 | 369.2 | (14.8) | 3.7 | 358.1 | 0.0
2041 | 62 | 21 | 358.1 | 0.0 | 358.1 | (14.3) | 3.6 | 347.3 | 0.0
2042 | 63 | 22 | 347.3 | 0.0 | 347.3 | (13.9) | 3.5 | 336.9 | 0.0
2043 | 64 | 23 | 336.9 | 0.0 | 336.9 | (13.5) | 3.4 | 326.8 | 0.0
2044 | 65 | 24 | 326.8 | 0.0 | 326.8 | (13.1) | 3.3 | 317.0 | 0.0
2045 | 66 | 25 | 317.0 | 0.0 | 317.0 | (12.7) | 3.2 | 307.5 | 0.0
2046 | 67 | 26 | 307.5 | 0.0 | 307.5 | (12.3) | 3.1 | 298.3 | 0.0
2047 | 68 | 27 | 298.3 | 0.0 | 298.3 | (11.9) | 3.0 | 289.3 | 0.0
2048 | 69 | 28 | 289.3 | 0.0 | 289.3 | (11.6) | 2.9 | 280.6 | 0.0
| | | | 235.2 | 289.3 | (204.7) | 110.2 | 280.6 |
2%
Code: Select all
Newguy | | | | | | | | |
Year | NG Age | No | Op Bal | Contr | Total | Draw Down | Growth | Total | Tax Free Cash
| | | | | | | | |
| | | | | | | | |
1979 | | | | 16.80 | | 4.00% | 2.00% | | 25.00%
2021 | 42 | 1 | 279.0 | 16.8 | 295.8 | 0 | 5.8 | 301.6 | 0.0
2022 | 43 | 2 | 301.6 | 16.8 | 318.4 | 0 | 6.2 | 324.6 | 0.0
2023 | 44 | 3 | 324.6 | 16.8 | 341.4 | 0 | 6.7 | 348.0 | 0.0
2024 | 45 | 4 | 348.0 | 16.8 | 364.8 | 0 | 7.1 | 372.0 | 0.0
2025 | 46 | 5 | 372.0 | 16.8 | 388.8 | 0 | 7.6 | 396.4 | 0.0
2026 | 47 | 6 | 396.4 | 16.8 | 413.2 | 0 | 8.1 | 421.3 | 0.0
2027 | 48 | 7 | 421.3 | 16.8 | 438.1 | 0 | 8.6 | 446.7 | 0.0
2028 | 49 | 8 | 446.7 | 16.8 | 463.5 | 0 | 9.1 | 472.6 | 0.0
2029 | 50 | 9 | 472.6 | 16.8 | 489.4 | 0 | 9.6 | 499.1 | 0.0
2030 | 51 | 10 | 499.1 | 16.8 | 515.9 | 0 | 10.2 | 526.0 | 0.0
2031 | 52 | 11 | 526.0 | 16.8 | 542.8 | 0 | 10.7 | 553.5 | 0.0
2032 | 53 | 12 | 553.5 | 16.8 | 570.3 | 0 | 11.3 | 581.6 | 0.0
2033 | 54 | 13 | 581.6 | 16.8 | 598.4 | 0 | 11.8 | 610.2 | 0.0
2034 | 55 | 14 | 610.2 | 16.8 | 627.0 | 0 | 12.4 | 639.4 | 0.0
2035 | 56 | 15 | 639.4 | 0.0 | 639.4 | (25.6) | 12.8 | 626.6 | 156.7
2036 | 57 | 16 | 470.0 | 0.0 | 470.0 | (18.8) | 9.4 | 460.6 | 0.0
2037 | 58 | 17 | 460.6 | 0.0 | 460.6 | (18.4) | 9.2 | 451.3 | 0.0
2038 | 59 | 18 | 451.3 | 0.0 | 451.3 | (18.1) | 9.0 | 442.3 | 0.0
2039 | 60 | 19 | 442.3 | 0.0 | 442.3 | (17.7) | 8.8 | 433.5 | 0.0
2040 | 61 | 20 | 433.5 | 0.0 | 433.5 | (17.3) | 8.7 | 424.8 | 0.0
2041 | 62 | 21 | 424.8 | 0.0 | 424.8 | (17.0) | 8.5 | 416.3 | 0.0
2042 | 63 | 22 | 416.3 | 0.0 | 416.3 | (16.7) | 8.3 | 408.0 | 0.0
2043 | 64 | 23 | 408.0 | 0.0 | 408.0 | (16.3) | 8.2 | 399.8 | 0.0
2044 | 65 | 24 | 399.8 | 0.0 | 399.8 | (16.0) | 8.0 | 391.8 | 0.0
2045 | 66 | 25 | 391.8 | 0.0 | 391.8 | (15.7) | 7.8 | 384.0 | 0.0
2046 | 67 | 26 | 384.0 | 0.0 | 384.0 | (15.4) | 7.7 | 376.3 | 0.0
2047 | 68 | 27 | 376.3 | 0.0 | 376.3 | (15.1) | 7.5 | 368.8 | 0.0
2048 | 69 | 28 | 368.8 | 0.0 | 368.8 | (14.8) | 7.4 | 361.4 | 0.0
| | | | 235.2 | 368.8 | (242.7) | 246.5 | 361.4 |
3%
Code: Select all
Newguy | | | | | | | | |
Year | NG Age | No | Op Bal | Contr | Total | Draw Down | Growth | Total | Tax Free Cash
| | | | | | | | |
| | | | | | | | |
1979 | | | | 16.80 | | 4.00% | 3.00% | | 25.00%
2021 | 42 | 1 | 279.0 | 16.8 | 295.8 | 0 | 8.6 | 304.4 | 0.0
2022 | 43 | 2 | 304.4 | 16.8 | 321.2 | 0 | 9.4 | 330.6 | 0.0
2023 | 44 | 3 | 330.6 | 16.8 | 347.4 | 0 | 10.2 | 357.6 | 0.0
2024 | 45 | 4 | 357.6 | 16.8 | 374.4 | 0 | 11.0 | 385.4 | 0.0
2025 | 46 | 5 | 385.4 | 16.8 | 402.2 | 0 | 11.8 | 414.1 | 0.0
2026 | 47 | 6 | 414.1 | 16.8 | 430.9 | 0 | 12.7 | 443.6 | 0.0
2027 | 48 | 7 | 443.6 | 16.8 | 460.4 | 0 | 13.6 | 474.0 | 0.0
2028 | 49 | 8 | 474.0 | 16.8 | 490.8 | 0 | 14.5 | 505.2 | 0.0
2029 | 50 | 9 | 505.2 | 16.8 | 522.0 | 0 | 15.4 | 537.5 | 0.0
2030 | 51 | 10 | 537.5 | 16.8 | 554.3 | 0 | 16.4 | 570.7 | 0.0
2031 | 52 | 11 | 570.7 | 16.8 | 587.5 | 0 | 17.4 | 604.9 | 0.0
2032 | 53 | 12 | 604.9 | 16.8 | 621.7 | 0 | 18.4 | 640.1 | 0.0
2033 | 54 | 13 | 640.1 | 16.8 | 656.9 | 0 | 19.5 | 676.4 | 0.0
2034 | 55 | 14 | 676.4 | 16.8 | 693.2 | 0 | 20.6 | 713.7 | 0.0
2035 | 56 | 15 | 713.7 | 0.0 | 713.7 | (28.5) | 21.4 | 706.6 | 176.6
2036 | 57 | 16 | 529.9 | 0.0 | 529.9 | (21.2) | 15.9 | 524.6 | 0.0
2037 | 58 | 17 | 524.6 | 0.0 | 524.6 | (21.0) | 15.7 | 519.4 | 0.0
2038 | 59 | 18 | 519.4 | 0.0 | 519.4 | (20.8) | 15.6 | 514.2 | 0.0
2039 | 60 | 19 | 514.2 | 0.0 | 514.2 | (20.6) | 15.4 | 509.1 | 0.0
2040 | 61 | 20 | 509.1 | 0.0 | 509.1 | (20.4) | 15.3 | 504.0 | 0.0
2041 | 62 | 21 | 504.0 | 0.0 | 504.0 | (20.2) | 15.1 | 498.9 | 0.0
2042 | 63 | 22 | 498.9 | 0.0 | 498.9 | (20.0) | 15.0 | 493.9 | 0.0
2043 | 64 | 23 | 493.9 | 0.0 | 493.9 | (19.8) | 14.8 | 489.0 | 0.0
2044 | 65 | 24 | 489.0 | 0.0 | 489.0 | (19.6) | 14.7 | 484.1 | 0.0
2045 | 66 | 25 | 484.1 | 0.0 | 484.1 | (19.4) | 14.5 | 479.3 | 0.0
2046 | 67 | 26 | 479.3 | 0.0 | 479.3 | (19.2) | 14.4 | 474.5 | 0.0
2047 | 68 | 27 | 474.5 | 0.0 | 474.5 | (19.0) | 14.2 | 469.7 | 0.0
2048 | 69 | 28 | 469.7 | 0.0 | 469.7 | (18.8) | 14.1 | 465.0 | 0.0
| | | | 235.2 | 469.7 | (288.2) | 415.7 | 465.0 |
4%
Code: Select all
Newguy | | | | | | | | |
Year | NG Age | No | Op Bal | Contr | Total | Draw Down | Growth | Total | Tax Free Cash
| | | | | | | | |
| | | | | | | | |
1979 | | | | 16.80 | | 4.00% | 4.00% | | 25.00%
2021 | 42 | 1 | 279.0 | 16.8 | 295.8 | 0 | 11.5 | 307.3 | 0.0
2022 | 43 | 2 | 307.3 | 16.8 | 324.1 | 0 | 12.7 | 336.8 | 0.0
2023 | 44 | 3 | 336.8 | 16.8 | 353.6 | 0 | 13.8 | 367.4 | 0.0
2024 | 45 | 4 | 367.4 | 16.8 | 384.2 | 0 | 15.1 | 399.3 | 0.0
2025 | 46 | 5 | 399.3 | 16.8 | 416.1 | 0 | 16.3 | 432.4 | 0.0
2026 | 47 | 6 | 432.4 | 16.8 | 449.2 | 0 | 17.7 | 466.9 | 0.0
2027 | 48 | 7 | 466.9 | 16.8 | 483.7 | 0 | 19.0 | 502.7 | 0.0
2028 | 49 | 8 | 502.7 | 16.8 | 519.5 | 0 | 20.5 | 540.0 | 0.0
2029 | 50 | 9 | 540.0 | 16.8 | 556.8 | 0 | 22.0 | 578.7 | 0.0
2030 | 51 | 10 | 578.7 | 16.8 | 595.5 | 0 | 23.5 | 619.1 | 0.0
2031 | 52 | 11 | 619.1 | 16.8 | 635.9 | 0 | 25.1 | 661.0 | 0.0
2032 | 53 | 12 | 661.0 | 16.8 | 677.8 | 0 | 26.8 | 704.6 | 0.0
2033 | 54 | 13 | 704.6 | 16.8 | 721.4 | 0 | 28.5 | 749.9 | 0.0
2034 | 55 | 14 | 749.9 | 16.8 | 766.7 | 0 | 30.4 | 797.1 | 0.0
2035 | 56 | 15 | 797.1 | 0.0 | 797.1 | (31.9) | 31.9 | 797.1 | 199.3
2036 | 57 | 16 | 597.8 | 0.0 | 597.8 | (23.9) | 23.9 | 597.8 | 0.0
2037 | 58 | 17 | 597.8 | 0.0 | 597.8 | (23.9) | 23.9 | 597.8 | 0.0
2038 | 59 | 18 | 597.8 | 0.0 | 597.8 | (23.9) | 23.9 | 597.8 | 0.0
2039 | 60 | 19 | 597.8 | 0.0 | 597.8 | (23.9) | 23.9 | 597.8 | 0.0
2040 | 61 | 20 | 597.8 | 0.0 | 597.8 | (23.9) | 23.9 | 597.8 | 0.0
2041 | 62 | 21 | 597.8 | 0.0 | 597.8 | (23.9) | 23.9 | 597.8 | 0.0
2042 | 63 | 22 | 597.8 | 0.0 | 597.8 | (23.9) | 23.9 | 597.8 | 0.0
2043 | 64 | 23 | 597.8 | 0.0 | 597.8 | (23.9) | 23.9 | 597.8 | 0.0
2044 | 65 | 24 | 597.8 | 0.0 | 597.8 | (23.9) | 23.9 | 597.8 | 0.0
2045 | 66 | 25 | 597.8 | 0.0 | 597.8 | (23.9) | 23.9 | 597.8 | 0.0
2046 | 67 | 26 | 597.8 | 0.0 | 597.8 | (23.9) | 23.9 | 597.8 | 0.0
2047 | 68 | 27 | 597.8 | 0.0 | 597.8 | (23.9) | 23.9 | 597.8 | 0.0
2048 | 69 | 28 | 597.8 | 0.0 | 597.8 | (23.9) | 23.9 | 597.8 | 0.0
| | | | 235.2 | 597.8 | (342.7) | 625.6 | 597.8 |
5%
Code: Select all
Newguy | | | | | | | | |
Year | NG Age | No | Op Bal | Contr | Total | Draw Down | Growth | Total | Tax Free Cash
| | | | | | | | |
| | | | | | | | |
1979 | | | | 16.80 | | 4.00% | 5.00% | | 25.00%
2021 | 42 | 1 | 279.0 | 16.8 | 295.8 | 0 | 14.4 | 310.2 | 0.0
2022 | 43 | 2 | 310.2 | 16.8 | 327.0 | 0 | 16.0 | 343.0 | 0.0
2023 | 44 | 3 | 343.0 | 16.8 | 359.8 | 0 | 17.6 | 377.4 | 0.0
2024 | 45 | 4 | 377.4 | 16.8 | 394.2 | 0 | 19.3 | 413.5 | 0.0
2025 | 46 | 5 | 413.5 | 16.8 | 430.3 | 0 | 21.1 | 451.4 | 0.0
2026 | 47 | 6 | 451.4 | 16.8 | 468.2 | 0 | 23.0 | 491.2 | 0.0
2027 | 48 | 7 | 491.2 | 16.8 | 508.0 | 0 | 25.0 | 533.1 | 0.0
2028 | 49 | 8 | 533.1 | 16.8 | 549.9 | 0 | 27.1 | 577.0 | 0.0
2029 | 50 | 9 | 577.0 | 16.8 | 593.8 | 0 | 29.3 | 623.1 | 0.0
2030 | 51 | 10 | 623.1 | 16.8 | 639.9 | 0 | 31.6 | 671.5 | 0.0
2031 | 52 | 11 | 671.5 | 16.8 | 688.3 | 0 | 34.0 | 722.3 | 0.0
2032 | 53 | 12 | 722.3 | 16.8 | 739.1 | 0 | 36.6 | 775.7 | 0.0
2033 | 54 | 13 | 775.7 | 16.8 | 792.5 | 0 | 39.2 | 831.7 | 0.0
2034 | 55 | 14 | 831.7 | 16.8 | 848.5 | 0 | 42.0 | 890.6 | 0.0
2035 | 56 | 15 | 890.6 | 0.0 | 890.6 | (35.6) | 44.5 | 899.5 | 224.9
2036 | 57 | 16 | 674.6 | 0.0 | 674.6 | (27.0) | 33.7 | 681.3 | 0.0
2037 | 58 | 17 | 681.3 | 0.0 | 681.3 | (27.3) | 34.1 | 688.2 | 0.0
2038 | 59 | 18 | 688.2 | 0.0 | 688.2 | (27.5) | 34.4 | 695.0 | 0.0
2039 | 60 | 19 | 695.0 | 0.0 | 695.0 | (27.8) | 34.8 | 702.0 | 0.0
2040 | 61 | 20 | 702.0 | 0.0 | 702.0 | (28.1) | 35.1 | 709.0 | 0.0
2041 | 62 | 21 | 709.0 | 0.0 | 709.0 | (28.4) | 35.5 | 716.1 | 0.0
2042 | 63 | 22 | 716.1 | 0.0 | 716.1 | (28.6) | 35.8 | 723.3 | 0.0
2043 | 64 | 23 | 723.3 | 0.0 | 723.3 | (28.9) | 36.2 | 730.5 | 0.0
2044 | 65 | 24 | 730.5 | 0.0 | 730.5 | (29.2) | 36.5 | 737.8 | 0.0
2045 | 66 | 25 | 737.8 | 0.0 | 737.8 | (29.5) | 36.9 | 745.2 | 0.0
2046 | 67 | 26 | 745.2 | 0.0 | 745.2 | (29.8) | 37.3 | 752.6 | 0.0
2047 | 68 | 27 | 752.6 | 0.0 | 752.6 | (30.1) | 37.6 | 760.2 | 0.0
2048 | 69 | 28 | 760.2 | 0.0 | 760.2 | (30.4) | 38.0 | 767.8 | 0.0
| | | | 235.2 | 760.2 | (408.3) | 886.7 | 767.8 |
6%
Code: Select all
Newguy | | | | | | | | |
Year | NG Age | No | Op Bal | Contr | Total | Draw Down | Growth | Total | Tax Free Cash
| | | | | | | | |
| | | | | | | | |
1979 | | | | 16.80 | | 4.00% | 6.00% | | 25.00%
2021 | 42 | 1 | 279.0 | 16.8 | 295.8 | 0 | 17.3 | 313.1 | 0.0
2022 | 43 | 2 | 313.1 | 16.8 | 329.9 | 0 | 19.3 | 349.2 | 0.0
2023 | 44 | 3 | 349.2 | 16.8 | 366.0 | 0 | 21.5 | 387.5 | 0.0
2024 | 45 | 4 | 387.5 | 16.8 | 404.3 | 0 | 23.8 | 428.1 | 0.0
2025 | 46 | 5 | 428.1 | 16.8 | 444.9 | 0 | 26.2 | 471.1 | 0.0
2026 | 47 | 6 | 471.1 | 16.8 | 487.9 | 0 | 28.8 | 516.8 | 0.0
2027 | 48 | 7 | 516.8 | 16.8 | 533.6 | 0 | 31.6 | 565.1 | 0.0
2028 | 49 | 8 | 565.1 | 16.8 | 581.9 | 0 | 34.5 | 616.4 | 0.0
2029 | 50 | 9 | 616.4 | 16.8 | 633.2 | 0 | 37.5 | 670.7 | 0.0
2030 | 51 | 10 | 670.7 | 16.8 | 687.5 | 0 | 40.8 | 728.3 | 0.0
2031 | 52 | 11 | 728.3 | 16.8 | 745.1 | 0 | 44.2 | 789.3 | 0.0
2032 | 53 | 12 | 789.3 | 16.8 | 806.1 | 0 | 47.9 | 854.0 | 0.0
2033 | 54 | 13 | 854.0 | 16.8 | 870.8 | 0 | 51.8 | 922.6 | 0.0
2034 | 55 | 14 | 922.6 | 16.8 | 939.4 | 0 | 55.9 | 995.3 | 0.0
2035 | 56 | 15 | 995.3 | 0.0 | 995.3 | (39.8) | 59.7 | 1,015.2 | 253.8
2036 | 57 | 16 | 761.4 | 0.0 | 761.4 | (30.5) | 45.7 | 776.6 | 0.0
2037 | 58 | 17 | 776.6 | 0.0 | 776.6 | (31.1) | 46.6 | 792.2 | 0.0
2038 | 59 | 18 | 792.2 | 0.0 | 792.2 | (31.7) | 47.5 | 808.0 | 0.0
2039 | 60 | 19 | 808.0 | 0.0 | 808.0 | (32.3) | 48.5 | 824.2 | 0.0
2040 | 61 | 20 | 824.2 | 0.0 | 824.2 | (33.0) | 49.5 | 840.7 | 0.0
2041 | 62 | 21 | 840.7 | 0.0 | 840.7 | (33.6) | 50.4 | 857.5 | 0.0
2042 | 63 | 22 | 857.5 | 0.0 | 857.5 | (34.3) | 51.4 | 874.6 | 0.0
2043 | 64 | 23 | 874.6 | 0.0 | 874.6 | (35.0) | 52.5 | 892.1 | 0.0
2044 | 65 | 24 | 892.1 | 0.0 | 892.1 | (35.7) | 53.5 | 910.0 | 0.0
2045 | 66 | 25 | 910.0 | 0.0 | 910.0 | (36.4) | 54.6 | 928.2 | 0.0
2046 | 67 | 26 | 928.2 | 0.0 | 928.2 | (37.1) | 55.7 | 946.7 | 0.0
2047 | 68 | 27 | 946.7 | 0.0 | 946.7 | (37.9) | 56.8 | 965.7 | 0.0
2048 | 69 | 28 | 965.7 | 0.0 | 965.7 | (38.6) | 57.9 | 985.0 | 0.0
| | | | 235.2 | 965.7 | (486.9) | 1,211.5 | 985.0 |
7%
Code: Select all
Newguy | | | | | | | | |
Year | NG Age | No | Op Bal | Contr | Total | Draw Down | Growth | Total | Tax Free Cash
| | | | | | | | |
| | | | | | | | |
1979 | | | | 16.80 | | 4.00% | 7.00% | | 25.00%
2021 | 42 | 1 | 279.0 | 16.8 | 295.8 | 0 | 20.2 | 316.0 | 0.0
2022 | 43 | 2 | 316.0 | 16.8 | 332.8 | 0 | 22.8 | 355.5 | 0.0
2023 | 44 | 3 | 355.5 | 16.8 | 372.3 | 0 | 25.5 | 397.8 | 0.0
2024 | 45 | 4 | 397.8 | 16.8 | 414.6 | 0 | 28.5 | 443.1 | 0.0
2025 | 46 | 5 | 443.1 | 16.8 | 459.9 | 0 | 31.7 | 491.6 | 0.0
2026 | 47 | 6 | 491.6 | 16.8 | 508.4 | 0 | 35.0 | 543.4 | 0.0
2027 | 48 | 7 | 543.4 | 16.8 | 560.2 | 0 | 38.7 | 598.9 | 0.0
2028 | 49 | 8 | 598.9 | 16.8 | 615.7 | 0 | 42.6 | 658.3 | 0.0
2029 | 50 | 9 | 658.3 | 16.8 | 675.1 | 0 | 46.7 | 721.8 | 0.0
2030 | 51 | 10 | 721.8 | 16.8 | 738.6 | 0 | 51.2 | 789.7 | 0.0
2031 | 52 | 11 | 789.7 | 16.8 | 806.5 | 0 | 55.9 | 862.5 | 0.0
2032 | 53 | 12 | 862.5 | 16.8 | 879.3 | 0 | 61.0 | 940.3 | 0.0
2033 | 54 | 13 | 940.3 | 16.8 | 957.1 | 0 | 66.5 | 1,023.5 | 0.0
2034 | 55 | 14 | 1,023.5 | 16.8 | 1,040.3 | 0 | 72.3 | 1,112.6 | 0.0
2035 | 56 | 15 | 1,112.6 | 0.0 | 1,112.6 | (44.5) | 77.9 | 1,146.0 | 286.5
2036 | 57 | 16 | 859.5 | 0.0 | 859.5 | (34.4) | 60.2 | 885.3 | 0.0
2037 | 58 | 17 | 885.3 | 0.0 | 885.3 | (35.4) | 62.0 | 911.8 | 0.0
2038 | 59 | 18 | 911.8 | 0.0 | 911.8 | (36.5) | 63.8 | 939.2 | 0.0
2039 | 60 | 19 | 939.2 | 0.0 | 939.2 | (37.6) | 65.7 | 967.4 | 0.0
2040 | 61 | 20 | 967.4 | 0.0 | 967.4 | (38.7) | 67.7 | 996.4 | 0.0
2041 | 62 | 21 | 996.4 | 0.0 | 996.4 | (39.9) | 69.7 | 1,026.3 | 0.0
2042 | 63 | 22 | 1,026.3 | 0.0 | 1,026.3 | (41.1) | 71.8 | 1,057.1 | 0.0
2043 | 64 | 23 | 1,057.1 | 0.0 | 1,057.1 | (42.3) | 74.0 | 1,088.8 | 0.0
2044 | 65 | 24 | 1,088.8 | 0.0 | 1,088.8 | (43.6) | 76.2 | 1,121.4 | 0.0
2045 | 66 | 25 | 1,121.4 | 0.0 | 1,121.4 | (44.9) | 78.5 | 1,155.1 | 0.0
2046 | 67 | 26 | 1,155.1 | 0.0 | 1,155.1 | (46.2) | 80.9 | 1,189.7 | 0.0
2047 | 68 | 27 | 1,189.7 | 0.0 | 1,189.7 | (47.6) | 83.3 | 1,225.4 | 0.0
2048 | 69 | 28 | 1,225.4 | 0.0 | 1,225.4 | (49.0) | 85.8 | 1,262.2 | 0.0
| | | | 235.2 | 1,225.4 | (581.4) | 1,615.9 | 1,262.2 |
7.5%
Code: Select all
Newguy | | | | | | | | |
Year | NG Age | No | Op Bal | Contr | Total | Draw Down | Growth | Total | Tax Free Cash
| | | | | | | | |
| | | | | | | | |
1979 | | | | 16.80 | | 4.00% | 7.50% | | 25.00%
2021 | 42 | 1 | 279.0 | 16.8 | 295.8 | 0 | 21.6 | 317.4 | 0.0
2022 | 43 | 2 | 317.4 | 16.8 | 334.2 | 0 | 24.5 | 358.7 | 0.0
2023 | 44 | 3 | 358.7 | 16.8 | 375.5 | 0 | 27.6 | 403.1 | 0.0
2024 | 45 | 4 | 403.1 | 16.8 | 419.9 | 0 | 30.9 | 450.8 | 0.0
2025 | 46 | 5 | 450.8 | 16.8 | 467.6 | 0 | 34.5 | 502.1 | 0.0
2026 | 47 | 6 | 502.1 | 16.8 | 518.9 | 0 | 38.3 | 557.2 | 0.0
2027 | 48 | 7 | 557.2 | 16.8 | 574.0 | 0 | 42.5 | 616.5 | 0.0
2028 | 49 | 8 | 616.5 | 16.8 | 633.3 | 0 | 46.9 | 680.2 | 0.0
2029 | 50 | 9 | 680.2 | 16.8 | 697.0 | 0 | 51.7 | 748.7 | 0.0
2030 | 51 | 10 | 748.7 | 16.8 | 765.5 | 0 | 56.8 | 822.3 | 0.0
2031 | 52 | 11 | 822.3 | 16.8 | 839.1 | 0 | 62.4 | 901.5 | 0.0
2032 | 53 | 12 | 901.5 | 16.8 | 918.3 | 0 | 68.3 | 986.6 | 0.0
2033 | 54 | 13 | 986.6 | 16.8 | 1,003.4 | 0 | 74.7 | 1,078.1 | 0.0
2034 | 55 | 14 | 1,078.1 | 16.8 | 1,094.9 | 0 | 81.5 | 1,176.4 | 0.0
2035 | 56 | 15 | 1,176.4 | 0.0 | 1,176.4 | (47.1) | 88.2 | 1,217.6 | 304.4
2036 | 57 | 16 | 913.2 | 0.0 | 913.2 | (36.5) | 68.5 | 945.1 | 0.0
2037 | 58 | 17 | 945.1 | 0.0 | 945.1 | (37.8) | 70.9 | 978.2 | 0.0
2038 | 59 | 18 | 978.2 | 0.0 | 978.2 | (39.1) | 73.4 | 1,012.5 | 0.0
2039 | 60 | 19 | 1,012.5 | 0.0 | 1,012.5 | (40.5) | 75.9 | 1,047.9 | 0.0
2040 | 61 | 20 | 1,047.9 | 0.0 | 1,047.9 | (41.9) | 78.6 | 1,084.6 | 0.0
2041 | 62 | 21 | 1,084.6 | 0.0 | 1,084.6 | (43.4) | 81.3 | 1,122.5 | 0.0
2042 | 63 | 22 | 1,122.5 | 0.0 | 1,122.5 | (44.9) | 84.2 | 1,161.8 | 0.0
2043 | 64 | 23 | 1,161.8 | 0.0 | 1,161.8 | (46.5) | 87.1 | 1,202.5 | 0.0
2044 | 65 | 24 | 1,202.5 | 0.0 | 1,202.5 | (48.1) | 90.2 | 1,244.6 | 0.0
2045 | 66 | 25 | 1,244.6 | 0.0 | 1,244.6 | (49.8) | 93.3 | 1,288.1 | 0.0
2046 | 67 | 26 | 1,288.1 | 0.0 | 1,288.1 | (51.5) | 96.6 | 1,333.2 | 0.0
2047 | 68 | 27 | 1,333.2 | 0.0 | 1,333.2 | (53.3) | 100.0 | 1,379.9 | 0.0
2048 | 69 | 28 | 1,379.9 | 0.0 | 1,379.9 | (55.2) | 103.5 | 1,428.2 | 0.0
| | | | 235.2 | 1,379.9 | (635.6) | 1,854.0 | 1,428.2 |
The spreadsheet will also predict net income and adds state pension at a given age. I haven't complicated by adding those columns. It will work tax out too and there are additional calculations to deal with inflation. It can deal with a couple as well as a single person.
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