INSTRUCTIONS: DISCLAIMER: no gu

• THE PRIMARY RESULTS ARE IN THE RED SHADED CELLS AT RIGHT!

• Enter your nominal data in the dark green cells
(all other cells are protected, except light green, described below).

• Optionally enter data in the light green cells to provide a specific

value for certain years, which overrides the nominal value entered
in the associated dark green cell (to flag that you have one or more
"override values" in a row, the cell at the front of the light green
row changes from empty to yellow with an asterisk).
• The blue cells are descriptive/informational.
• The gold cells contain miscellaneous calculated information.
• All income figures are assumed to be pre-tax values.
• Savings are assumed to grow tax-protected (e.g. in RRSP)
since no allowance is made for taxation of savings.

STARTING DATE: 2020-01-01

STARTING SAVINGS: $600,000

YOUR BIRTH DATE: 1970-01-01

RETIREMENT AGE: 55 Years

Equivalent To (decimal years): 55.000
RETIREMENT DATE: 2025-01-01
SAVINGS AT START OF RETIREMENT: $878,988

PHASE 1 RETIREMENT INCOME: (in today's dollars) (pre-tax) $40,000

Equivalent To Inflation-Adjusted Future Dollar Value
In 1st FULL Year of Retirement (at y/e age of 0 in 0): $0
PHASE 2 RETIREMENT INCOME: (% of phase 1 income) 100%
Equivalent To Dollar Value (in today's dollars): $40,000
Equivalent To Inflation-Adjusted Future $ Value (at y/e age of 75 in 2045): $83,751

TRANSITION AGE FROM PHASE 1 TO PHASE 2 INCOME:

(age in retirement to switch from initial [phase 1] retirement income value to final [phase 2] 75
retirement income value)
(Switch is made at START of year that you turn this age!)
Equivalent To Calendar Year: 2045

INVESTMENT RETURN RATE:

Note that any spr
NOMINAL RATE (BEFORE retirement): 6.50% You may want to assume
NOMINAL RATE (AFTER retirement): 5.00% important an
NB: A good tool if you w
The return rate used is the relevant nominal rate (above) EXCEPT for years where
a specific rate (below) is specified in the row with the light green cells!

SPECIFIC RATE:
(an asterisk on yellow in next cell means a specific rate used at least once in this row)
Year: 2020 2021
Year Number (relative to retirement): -5 -4
Age at END of Year: 50 51
RETURN RATE USED: 6.50% 6.50%
(nominal value except where specific value is specified)
INFLATION RATE: This inflation rate is a
NOMINAL RATE: 3.00%
The inflation rate used is the nominal rate (above)
EXCEPT for years where a specific rate (below) is specified!
SPECIFIC RATE:
(an asterisk on yellow in next cell means a specific rate used at least once in this row)
Year: 2020 2021
Year Number (relative to retirement): -5 -4
Age at END of Year: 50 51

INFLATION RATE USED: 3.00% 3.00%

(nominal value except where specific value is specified)

FUTURE ANNUAL SAVINGS FOR RETIREMENT:

NOMINAL PRE-RETIREMENT YEARLY SAVINGS: $10,000
The yearly savings value used is the nominal value (above)
EXCEPT for years where a specific value is supplied below!

SPECIFIC SAVINGS BY YEAR-END:

(an asterisk on yellow in next cell means a specific value used at least once in this row)
Year: 2020 2021
Year Number (relative to retirement): -5 -4
Age at END of Year: 50 51

ANNUAL SAVINGS BY YEAR-END: $10,000 $10,000

(nominal value except where specific value is specified) (red cell values are N/A)

Record here the yearly income expecte

OTHER RETIREMENT INCOME: (pre-tax) your current + future savings (above),
NOMINAL "OTHER" YEARLY RETIREMENT INCOME: $0
The yearly other retirement income value used is the nominal value (above)
EXCEPT for years where a specific value is supplied below!

SPECIFIC OTHER RETIREMENT INCOME BY YEAR-END:

(an asterisk on yellow in next cell means a specific value used at least once in this row)
Year: 2020 2021
Year Number (relative to retirement): -5 -4
Age at END of Year: 50 51

EXPECTED OTHER RETIREMENT INCOME: $0 $0

(nominal value except where specific value is specified)(red cell values are N/A)

CPP ANNUAL INCOME (today's dollars):

CURRENT VALUE OF EXPECTED CPP (based on start age below): $9,697
AGE TO START CPP (should be from 60 to 70): 65

OAS ANNUAL INCOME (today's dollars):

CURRENT VALUE OF EXPECTED OAS (assumed to start at 65): $7,362

CPP/OAS INDEXING (INFLATION) RATE: The indexing/cost-of-living

NOMINAL RATE: 2.50% This could be the same a
HOWEVER, it is broken o
The indexing rate used is the nominal value (above)
EXCEPT for years where a specific value (below) is specified!
(i.e. you can use a value

SPECIFIC RATE:
(an asterisk on yellow in next cell means a specific rate used at least once in this row)
Year: 2020 2021
 Year Number (relative to retirement): -5 -4
Age at END of Year: 50 51
CPP/OAS INDEXING RATE USED: 2.50% 2.50%
(nominal value except where specific value is specified)
 DISCLAIMER: no guarantees are provided regarding the accuracy of this file! Use at your own risk!

FROM THE DATA BELOW, Limitations:

*uses specified return rate(s): does not do any monte carlo
YOUR MONEY WILL LAST YOU simulations etc. (for that, try FIRECalc at firecalc.com)
*handles only 1 person (but if spouse's age is similar, just ad
UNTIL THE END OF: their savings and CPP/OAS info to handle both of you)
*deals only with before-tax dollars and assumes savings are
growing tax free and does not consider mandatory minimum
withdrawals from RRIFs/LIFs (if you have significant savings
outside your RRSP you could account for any tax impact by
YEAR: 2059 suitably lowering your return rate in the relevant years)
*assumes full year CPP and OAS amounts for starting year:
doesn't account for possible fractional amounts in starting y
where you may not actually be getting a full year of benefits
AGE (year end): 89

2020-01-01 Fraction of Starting Year Remaining: 100.0%

$600,000

1970-01-01 Age At Starting Date: 50.0

0 Months 0 Days
55.000
2025-01-01 Fraction of 1st Retirement Year That You'll Be Working: 0.0%
$878,988

$40,000
$0
USE THIS TO ENTER YOUR TOTAL BEFORE-TAX INCOME NEEDS IN RETIREMENT (from all sources)!
100% Values are in today's dollars! (Inflation impact will be factored into the results.)
$40,000 These values assume you'll draw a higher income in the early years of your retirement,
and that you will need less money in the later years of your retirement (as some experts suggest).
$83,751 SUGGESTED VALUES (but really, use whatever values represent your true needs!!!):
Phase 1 (early retirement years): 40%-100% of your final (or your current) pre-retirement income
Phase 2 (later retirement years): 70%-90% of your phase 1 retirement income
Transition Age (reducing from initial higher retirement income to your lower, final income level): 75-80
75

2045

Note that any spread of more than 5% between these values and inflation is quite aggressive!
You may want to assume a slightly lower return rate during retirement, where preservation of capital is very
important and hence you may want to be more conservative with your investments.
NB: A good tool if you want to run simulations that account for variability in your return rate (like in the real
world!) is the FIRECalc tool at http://firecalc.com/

2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032
-3 -2 -1 0 1 2 3 4 5 6 7
52 53 54 55 56 57 58 59 60 61 62

6.50% 6.50% 6.50% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%
 This inflation rate is applied to the retirement income value to calculate what you'll need in the future:
a value of 2% to 3% is realistic.

2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032
-3 -2 -1 0 1 2 3 4 5 6 7
52 53 54 55 56 57 58 59 60 61 62

3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00%

The amount you will save by year-end in EACH year, STOPPING in your last year of work when you start retirement.
CAUTION: Full amount used - it is NOT pro-rated for a fractional start year, nor for the possibly partial last year of work!
(You can account for this by using a specific amount for the initial year and the retirement year.)

2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032
-3 -2 -1 0 1 2 3 4 5 6 7
52 53 54 55 56 57 58 59 60 61 62

$10,000 $10,000 $10,000 $10,000 $0 $0 $0 $0 $0 $0 $0

cord here the yearly income expected during your retirement years from all other sources other than
r current + future savings (above), and other than CPP and OAS (both below). (E.G. from a part time job.)

2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032
-3 -2 -1 0 1 2 3 4 5 6 7
52 53 54 55 56 57 58 59 60 61 62

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Your CPP Statement of Contributions will help you identify your expected CPP income: if you retire early (<60), reduce accor
(Nominal value used here to start ($9,697) is based on taking 70% of the 2019 maximum.)

Your OAS (Old Age Security) benefits start at age 65 nominally, AND you must request them yourself!
(Nominal value used here to start ($7,362) is based on the 2019 maximum)

The indexing/cost-of-living allowance value to use for CPP+OAS income above.

This could be the same as the inflation rate above,
HOWEVER, it is broken out as a separate figure here to allow you to be conservative in your assumptions
(i.e. you can use a value a bit less than your inflation rate assumption above).

2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032
 -3 -2 -1 0 1 2 3 4 5 6 7
52 53 54 55 56 57 58 59 60 61 62

2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50%
 your own risk!

urn rate(s): does not do any monte carlo

or that, try FIRECalc at firecalc.com)
erson (but if spouse's age is similar, just add in
CPP/OAS info to handle both of you)
efore-tax dollars and assumes savings are
nd does not consider mandatory minimum
RRIFs/LIFs (if you have significant savings
P you could account for any tax impact by
our return rate in the relevant years)
CPP and OAS amounts for starting year: i.e.
r possible fractional amounts in starting year
t actually be getting a full year of benefits

all sources)!

st).

75-80

aggressive!
n of capital is very
ments.
ate (like in the real

2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043
8 9 10 11 12 13 14 15 16 17 18
63 64 65 66 67 68 69 70 71 72 73

5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%
ed in the future:

2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043
8 9 10 11 12 13 14 15 16 17 18
63 64 65 66 67 68 69 70 71 72 73

3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00%

work when you start retirement.

e possibly partial last year of work!
nd the retirement year.)

2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043
8 9 10 11 12 13 14 15 16 17 18
63 64 65 66 67 68 69 70 71 72 73

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043
8 9 10 11 12 13 14 15 16 17 18
63 64 65 66 67 68 69 70 71 72 73

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

you retire early (<60), reduce accordingly!

of the 2019 maximum.)

hem yourself!
)

ssumptions

2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043
 8 9 10 11 12 13 14 15 16 17 18
63 64 65 66 67 68 69 70 71 72 73

2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50%
2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 2054
19 20 21 22 23 24 25 26 27 28 29
74 75 76 77 78 79 80 81 82 83 84

5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%
2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 2054
19 20 21 22 23 24 25 26 27 28 29
74 75 76 77 78 79 80 81 82 83 84

3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00%

2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 2054
19 20 21 22 23 24 25 26 27 28 29
74 75 76 77 78 79 80 81 82 83 84

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 2054
19 20 21 22 23 24 25 26 27 28 29
74 75 76 77 78 79 80 81 82 83 84

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 2054
 19 20 21 22 23 24 25 26 27 28 29
74 75 76 77 78 79 80 81 82 83 84

2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50%
2055 2056 2057 2058 2059 2060 2061 2062 2063 2064 2065
30 31 32 33 34 35 36 37 38 39 40
85 86 87 88 89 90 91 92 93 94 95

5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%
2055 2056 2057 2058 2059 2060 2061 2062 2063 2064 2065
30 31 32 33 34 35 36 37 38 39 40
85 86 87 88 89 90 91 92 93 94 95

3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00%

2055 2056 2057 2058 2059 2060 2061 2062 2063 2064 2065
30 31 32 33 34 35 36 37 38 39 40
85 86 87 88 89 90 91 92 93 94 95

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

2055 2056 2057 2058 2059 2060 2061 2062 2063 2064 2065
30 31 32 33 34 35 36 37 38 39 40
85 86 87 88 89 90 91 92 93 94 95

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

2055 2056 2057 2058 2059 2060 2061 2062 2063 2064 2065
 30 31 32 33 34 35 36 37 38 39 40
85 86 87 88 89 90 91 92 93 94 95

2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50%
2066 2067 2068 2069 2070 2071 2072 2073 2074 2075 2076
41 42 43 44 45 46 47 48 49 50 51
96 97 98 99 100 101 102 103 104 105 106

5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%
2066 2067 2068 2069 2070 2071 2072 2073 2074 2075 2076
41 42 43 44 45 46 47 48 49 50 51
96 97 98 99 100 101 102 103 104 105 106

3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00%

2066 2067 2068 2069 2070 2071 2072 2073 2074 2075 2076
41 42 43 44 45 46 47 48 49 50 51
96 97 98 99 100 101 102 103 104 105 106

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

2066 2067 2068 2069 2070 2071 2072 2073 2074 2075 2076
41 42 43 44 45 46 47 48 49 50 51
96 97 98 99 100 101 102 103 104 105 106

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

2066 2067 2068 2069 2070 2071 2072 2073 2074 2075 2076
 41 42 43 44 45 46 47 48 49 50 51
96 97 98 99 100 101 102 103 104 105 106

2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50%
2077 2078 2079 2080 2081 2082 2083 2084 2085 2086 2087
52 53 54 55 56 57 58 59 60 61 62
107 108 109 110 111 112 113 114 115 116 117

5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%
2077 2078 2079 2080 2081 2082 2083 2084 2085 2086 2087
52 53 54 55 56 57 58 59 60 61 62
107 108 109 110 111 112 113 114 115 116 117

3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00%

2077 2078 2079 2080 2081 2082 2083 2084 2085 2086 2087
52 53 54 55 56 57 58 59 60 61 62
107 108 109 110 111 112 113 114 115 116 117

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

2077 2078 2079 2080 2081 2082 2083 2084 2085 2086 2087
52 53 54 55 56 57 58 59 60 61 62
107 108 109 110 111 112 113 114 115 116 117

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

2077 2078 2079 2080 2081 2082 2083 2084 2085 2086 2087
 52 53 54 55 56 57 58 59 60 61 62
107 108 109 110 111 112 113 114 115 116 117

2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50%
2088 2089 2090 2091 2092 2093 2094 2095 2096 2097 2098
63 64 65 66 67 68 69 70 71 72 73
118 119 120 121 122 123 124 125 126 127 128

5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%
2088 2089 2090 2091 2092 2093 2094 2095 2096 2097 2098
63 64 65 66 67 68 69 70 71 72 73
118 119 120 121 122 123 124 125 126 127 128

3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00%

2088 2089 2090 2091 2092 2093 2094 2095 2096 2097 2098
63 64 65 66 67 68 69 70 71 72 73
118 119 120 121 122 123 124 125 126 127 128

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

2088 2089 2090 2091 2092 2093 2094 2095 2096 2097 2098
63 64 65 66 67 68 69 70 71 72 73
118 119 120 121 122 123 124 125 126 127 128

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

2088 2089 2090 2091 2092 2093 2094 2095 2096 2097 2098
 63 64 65 66 67 68 69 70 71 72 73
118 119 120 121 122 123 124 125 126 127 128

2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50%
2099 2100 2101 2102 2103 2104 2105 2106 2107 2108 2109
74 75 76 77 78 79 80 81 82 83 84
129 130 131 132 133 134 135 136 137 138 139

5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%
2099 2100 2101 2102 2103 2104 2105 2106 2107 2108 2109
74 75 76 77 78 79 80 81 82 83 84
129 130 131 132 133 134 135 136 137 138 139

3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00%

2099 2100 2101 2102 2103 2104 2105 2106 2107 2108 2109
74 75 76 77 78 79 80 81 82 83 84
129 130 131 132 133 134 135 136 137 138 139

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

2099 2100 2101 2102 2103 2104 2105 2106 2107 2108 2109
74 75 76 77 78 79 80 81 82 83 84
129 130 131 132 133 134 135 136 137 138 139

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

2099 2100 2101 2102 2103 2104 2105 2106 2107 2108 2109
 74 75 76 77 78 79 80 81 82 83 84
129 130 131 132 133 134 135 136 137 138 139

2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50%
2110 2111 2112 2113 2114 2115 2116 2117 2118 2119 2120
85 86 87 88 89 90 91 92 93 94 95
140 141 142 143 144 145 146 147 148 149 150

5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%
2110 2111 2112 2113 2114 2115 2116 2117 2118 2119 2120
85 86 87 88 89 90 91 92 93 94 95
140 141 142 143 144 145 146 147 148 149 150

3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00%

2110 2111 2112 2113 2114 2115 2116 2117 2118 2119 2120
85 86 87 88 89 90 91 92 93 94 95
140 141 142 143 144 145 146 147 148 149 150

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

2110 2111 2112 2113 2114 2115 2116 2117 2118 2119 2120
85 86 87 88 89 90 91 92 93 94 95
140 141 142 143 144 145 146 147 148 149 150

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

2110 2111 2112 2113 2114 2115 2116 2117 2118 2119 2120
 85 86 87 88 89 90 91 92 93 94 95
140 141 142 143 144 145 146 147 148 149 150

2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50%
2121 2122 2123 2124 2125 2126 2127 2128 2129 2130 2131
96 97 98 99 100 101 102 103 104 105 106
151 152 153 154 155 156 157 158 159 160 161

5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%
2121 2122 2123 2124 2125 2126 2127 2128 2129 2130 2131
96 97 98 99 100 101 102 103 104 105 106
151 152 153 154 155 156 157 158 159 160 161

3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00%

2121 2122 2123 2124 2125 2126 2127 2128 2129 2130 2131
96 97 98 99 100 101 102 103 104 105 106
151 152 153 154 155 156 157 158 159 160 161

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

2121 2122 2123 2124 2125 2126 2127 2128 2129 2130 2131
96 97 98 99 100 101 102 103 104 105 106
151 152 153 154 155 156 157 158 159 160 161

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

2121 2122 2123 2124 2125 2126 2127 2128 2129 2130 2131
 96 97 98 99 100 101 102 103 104 105 106
151 152 153 154 155 156 157 158 159 160 161

2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50%
2132 2133 2134 2135 2136 2137 2138 2139
107 108 109 110 111 112 113 114
162 163 164 165 166 167 168 169

5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%

2132 2133 2134 2135 2136 2137 2138 2139
107 108 109 110 111 112 113 114
162 163 164 165 166 167 168 169

3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00%

2132 2133 2134 2135 2136 2137 2138 2139

107 108 109 110 111 112 113 114
162 163 164 165 166 167 168 169

$0 $0 $0 $0 $0 $0 $0 $0

2132 2133 2134 2135 2136 2137 2138 2139

107 108 109 110 111 112 113 114
162 163 164 165 166 167 168 169

$0 $0 $0 $0 $0 $0 $0 $0

2132 2133 2134 2135 2136 2137 2138 2139

 107 108 109 110 111 112 113 114
162 163 164 165 166 167 168 169

2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50%

 Year: 2020
Year Number (relative to retirement): -5
Age at END of Year: 50
Fraction of Year To Consider: 1.00
Fraction of Year In Retirement: 0.00
Is this the 1st FULL Year of Retirement (phase 1 income)?: 0
Age (at year-end) In First FULL Year of Retirement: 0 0
First Full Year of Retirement: 0 0
Is this the 1st FULL Year of Retirement AT PHASE 2 income?: 0
First Year of Phase 2 Retirement Income: 2045 0
Use phase 1 or phase 2 income?: 0
Investment Return Rate: 6.5%
Inflation Rate: 3.0%
CPP/OAS Indexing Rate: 2.5%
Phase 1 Retirement Income Future Value: $40,000
Phase 2 Retirement Income Future Value: $40,000
Actual (Future-Value) Retirement Income Needed: $0
Retirement Income In 1st Full Year of Retirement (Future Value): $0 $0
Retirement Income At Start of Phase 2 Income (Future Value): $83,751 $0
CPP Value In Year: $9,697
CPP INCOME In Year: $0
OAS Value In Year: $7,362
OAS INCOME In Year: $0
Other Retirement Income in Year: $0
Starting Savings: $600,000
Savings At End of Year Prior to Retirement Year: $878,988 $0
Net Income Needed In Year (income less CPP+OAS+other): $0
Investment Income Earned In Year: $39,000
Savings Made In Year $10,000
Savings At Year End: $649,000
Is This The Last Year With Positive Savings? 0
Last Year With Positive Savings: 2059 0
Age (Year-End) In Last Year With Positive Savings: 89 0
Use Any Non-Nominal Investment Return Rates? 0 0
Use Any Non-Nominal Inflation Rates? 0 0
Use Any Non-Nominal Annual Savings Amounts? 0 0
Use Any Non-Nominal Other Retirement Income Amounts? 0 0
Use Any Non-Nominal CPP/OAS Indexing Rates? 0 0
2021 2022 2023 2024 2025 2026 2027 2028
-4 -3 -2 -1 0 1 2 3
51 52 53 54 55 56 57 58
1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
0.00 0.00 0.00 0.00 1.00 1.00 1.00 1.00
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 1 1 1 1
6.5% 6.5% 6.5% 6.5% 5.0% 5.0% 5.0% 5.0%
3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0%
2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
$41,200 $42,436 $43,709 $45,020 $46,371 $47,762 $49,195 $50,671
$41,200 $42,436 $43,709 $45,020 $46,371 $47,762 $49,195 $50,671
$0 $0 $0 $0 $46,371 $47,762 $49,195 $50,671
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$9,939 $10,188 $10,443 $10,704 $10,971 $11,246 $11,527 $11,815
$0 $0 $0 $0 $0 $0 $0 $0
$7,546 $7,735 $7,928 $8,126 $8,329 $8,538 $8,751 $8,970
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$649,000 $701,185 $756,762 $815,952 $878,988 $885,408 $880,722 $874,333
$0 $0 $0 $878,988 $0 $0 $0 $0
$0 $0 $0 $0 $46,371 $47,762 $49,195 $50,671
$42,185 $45,577 $49,190 $53,037 $42,790 $43,076 $42,806 $42,450
$10,000 $10,000 $10,000 $10,000 $10,000 $0 $0 $0
$701,185 $756,762 $815,952 $878,988 $885,408 $880,722 $874,333 $866,112
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
2029 2030 2031 2032 2033 2034 2035 2036
4 5 6 7 8 9 10 11
59 60 61 62 63 64 65 66
1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
1 1 1 1 1 1 1 1
5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%
3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0%
2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
$52,191 $53,757 $55,369 $57,030 $58,741 $60,504 $62,319 $64,188
$52,191 $53,757 $55,369 $57,030 $58,741 $60,504 $62,319 $64,188
$52,191 $53,757 $55,369 $57,030 $58,741 $60,504 $62,319 $64,188
$0 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0 $0
$12,110 $12,413 $12,723 $13,041 $13,367 $13,702 $14,044 $14,395
$0 $0 $0 $0 $0 $0 $14,044 $14,395
$9,194 $9,424 $9,660 $9,901 $10,149 $10,402 $10,662 $10,929
$0 $0 $0 $0 $0 $0 $10,662 $10,929
$0 $0 $0 $0 $0 $0 $0 $0
$866,112 $855,922 $843,618 $829,045 $812,041 $792,433 $770,039 $769,988
$0 $0 $0 $0 $0 $0 $0 $0
$52,191 $53,757 $55,369 $57,030 $58,741 $60,504 $37,612 $38,864
$42,001 $41,452 $40,797 $40,026 $39,134 $38,109 $37,562 $37,528
$0 $0 $0 $0 $0 $0 $0 $0
$855,922 $843,618 $829,045 $812,041 $792,433 $770,039 $769,988 $768,652
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
2037 2038 2039 2040 2041 2042 2043
12 13 14 15 16 17 18
67 68 69 70 71 72 73
1.00 1.00 1.00 1.00 1.00 1.00 1.00
1.00 1.00 1.00 1.00 1.00 1.00 1.00
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
1 1 1 1 1 1 1
5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%
3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0%
2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
$66,114 $68,097 $70,140 $72,244 $74,412 $76,644 $78,943
$66,114 $68,097 $70,140 $72,244 $74,412 $76,644 $78,943
$66,114 $68,097 $70,140 $72,244 $74,412 $76,644 $78,943
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$14,755 $15,124 $15,502 $15,890 $16,287 $16,694 $17,111
$14,755 $15,124 $15,502 $15,890 $16,287 $16,694 $17,111
$11,202 $11,482 $11,769 $12,063 $12,365 $12,674 $12,991
$11,202 $11,482 $11,769 $12,063 $12,365 $12,674 $12,991
$0 $0 $0 $0 $0 $0 $0
$768,652 $765,924 $761,692 $755,836 $748,229 $738,736 $727,216
$0 $0 $0 $0 $0 $0 $0
$40,157 $41,491 $42,869 $44,291 $45,760 $47,276 $48,841
$37,429 $37,259 $37,013 $36,684 $36,267 $35,755 $35,140
$0 $0 $0 $0 $0 $0 $0
$765,924 $761,692 $755,836 $748,229 $738,736 $727,216 $713,514
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2044 2045 2046 2047 2048 2049 2050
19 20 21 22 23 24 25
74 75 76 77 78 79 80
1.00 1.00 1.00 1.00 1.00 1.00 1.00
1.00 1.00 1.00 1.00 1.00 1.00 1.00
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 1 0 0 0 0 0
0 2045 0 0 0 0 0
1 2 2 2 2 2 2
5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%
3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0%
2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
$81,312 $83,751 $86,264 $88,852 $91,517 $94,263 $97,090
$81,312 $83,751 $86,264 $88,852 $91,517 $94,263 $97,090
$81,312 $83,751 $86,264 $88,852 $91,517 $94,263 $97,090
$0 $0 $0 $0 $0 $0 $0
$0 $83,751 $0 $0 $0 $0 $0
$17,539 $17,978 $18,427 $18,888 $19,360 $19,844 $20,340
$17,539 $17,978 $18,427 $18,888 $19,360 $19,844 $20,340
$13,316 $13,649 $13,990 $14,340 $14,698 $15,066 $15,442
$13,316 $13,649 $13,990 $14,340 $14,698 $15,066 $15,442
$0 $0 $0 $0 $0 $0 $0
$713,514 $697,472 $678,918 $657,671 $633,540 $606,321 $575,801
$0 $0 $0 $0 $0 $0 $0
$50,457 $52,125 $53,847 $55,624 $57,459 $59,353 $61,308
$34,414 $33,570 $32,600 $31,493 $30,241 $28,832 $27,257
$0 $0 $0 $0 $0 $0 $0
$697,472 $678,918 $657,671 $633,540 $606,321 $575,801 $541,750
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2051 2052 2053 2054 2055 2056 2057
26 27 28 29 30 31 32
81 82 83 84 85 86 87
1.00 1.00 1.00 1.00 1.00 1.00 1.00
1.00 1.00 1.00 1.00 1.00 1.00 1.00
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2 2 2 2 2 2 2
5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%
3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0%
2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
$100,003 $103,003 $106,093 $109,276 $112,554 $115,931 $119,409
$100,003 $103,003 $106,093 $109,276 $112,554 $115,931 $119,409
$100,003 $103,003 $106,093 $109,276 $112,554 $115,931 $119,409
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$20,849 $21,370 $21,904 $22,452 $23,013 $23,588 $24,178
$20,849 $21,370 $21,904 $22,452 $23,013 $23,588 $24,178
$15,828 $16,224 $16,630 $17,045 $17,472 $17,908 $18,356
$15,828 $16,224 $16,630 $17,045 $17,472 $17,908 $18,356
$0 $0 $0 $0 $0 $0 $0
$541,750 $503,928 $462,080 $415,935 $365,208 $309,597 $248,781
$0 $0 $0 $0 $0 $0 $0
$63,326 $65,409 $67,560 $69,779 $72,070 $74,435 $76,875
$25,504 $23,561 $21,415 $19,052 $16,459 $13,619 $10,517
$0 $0 $0 $0 $0 $0 $0
$503,928 $462,080 $415,935 $365,208 $309,597 $248,781 $182,424
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2058 2059 2060 2061 2062 2063 2064
33 34 35 36 37 38 39
88 89 90 91 92 93 94
1.00 1.00 1.00 1.00 1.00 1.00 1.00
1.00 1.00 1.00 1.00 1.00 1.00 1.00
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2 2 2 2 2 2 2
5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%
3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0%
2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
$122,991 $126,681 $130,482 $134,396 $138,428 $142,581 $146,858
$122,991 $126,681 $130,482 $134,396 $138,428 $142,581 $146,858
$122,991 $126,681 $130,482 $134,396 $138,428 $142,581 $146,858
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$24,782 $25,402 $26,037 $26,688 $27,355 $28,039 $28,740
$24,782 $25,402 $26,037 $26,688 $27,355 $28,039 $28,740
$18,815 $19,285 $19,767 $20,262 $20,768 $21,287 $21,820
$18,815 $19,285 $19,767 $20,262 $20,768 $21,287 $21,820
$0 $0 $0 $0 $0 $0 $0
$182,424 $110,166 $31,631 -$53,582 -$145,893 -$245,750 -$353,623
$0 $0 $0 $0 $0 $0 $0
$79,394 $81,994 $84,677 $87,446 $90,304 $93,254 $96,298
$7,136 $3,458 -$535 -$4,865 -$9,552 -$14,619 -$20,089
$0 $0 $0 $0 $0 $0 $0
$110,166 $31,631 -$53,582 -$145,893 -$245,750 -$353,623 -$470,010
0 1 0 0 0 0 0
0 2059 0 0 0 0 0
0 89 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2065 2066 2067 2068 2069 2070 2071
40 41 42 43 44 45 46
95 96 97 98 99 100 101
1.00 1.00 1.00 1.00 1.00 1.00 1.00
1.00 1.00 1.00 1.00 1.00 1.00 1.00
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2 2 2 2 2 2 2
5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%
3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0%
2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
$151,264 $155,802 $160,476 $165,290 $170,249 $175,356 $180,617
$151,264 $155,802 $160,476 $165,290 $170,249 $175,356 $180,617
$151,264 $155,802 $160,476 $165,290 $170,249 $175,356 $180,617
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$29,459 $30,195 $30,950 $31,724 $32,517 $33,330 $34,163
$29,459 $30,195 $30,950 $31,724 $32,517 $33,330 $34,163
$22,365 $22,924 $23,497 $24,085 $24,687 $25,304 $25,937
$22,365 $22,924 $23,497 $24,085 $24,687 $25,304 $25,937
$0 $0 $0 $0 $0 $0 $0
-$470,010 -$595,437 -$730,459 -$875,661 -$1,031,663 -$1,199,117 -$1,378,714
$0 $0 $0 $0 $0 $0 $0
$99,440 $102,683 $106,029 $109,482 $113,045 $116,723 $120,517
-$25,987 -$32,339 -$39,174 -$46,520 -$54,409 -$62,874 -$71,949
$0 $0 $0 $0 $0 $0 $0
-$595,437 -$730,459 -$875,661 -$1,031,663 -$1,199,117 -$1,378,714 -$1,571,180
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2072 2073 2074 2075 2076 2077 2078
47 48 49 50 51 52 53
102 103 104 105 106 107 108
1.00 1.00 1.00 1.00 1.00 1.00 1.00
1.00 1.00 1.00 1.00 1.00 1.00 1.00
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2 2 2 2 2 2 2
5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%
3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0%
2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
$186,035 $191,616 $197,365 $203,286 $209,385 $215,666 $222,136
$186,035 $191,616 $197,365 $203,286 $209,385 $215,666 $222,136
$186,035 $191,616 $197,365 $203,286 $209,385 $215,666 $222,136
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$35,017 $35,892 $36,790 $37,709 $38,652 $39,618 $40,609
$35,017 $35,892 $36,790 $37,709 $38,652 $39,618 $40,609
$26,585 $27,250 $27,931 $28,629 $29,345 $30,078 $30,830
$26,585 $27,250 $27,931 $28,629 $29,345 $30,078 $30,830
$0 $0 $0 $0 $0 $0 $0
-$1,571,180 -$1,777,283 -$1,997,834 -$2,233,686 -$2,485,741 -$2,754,950 -$3,042,316
$0 $0 $0 $0 $0 $0 $0
$124,433 $128,474 $132,644 $136,947 $141,387 $145,969 $150,697
-$81,670 -$92,076 -$103,208 -$115,108 -$127,822 -$141,397 -$155,883
$0 $0 $0 $0 $0 $0 $0
-$1,777,283 -$1,997,834 -$2,233,686 -$2,485,741 -$2,754,950 -$3,042,316 -$3,348,896
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2079 2080 2081 2082 2083 2084 2085
54 55 56 57 58 59 60
109 110 111 112 113 114 115
1.00 1.00 1.00 1.00 1.00 1.00 1.00
1.00 1.00 1.00 1.00 1.00 1.00 1.00
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2 2 2 2 2 2 2
5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%
3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0%
2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
$228,800 $235,664 $242,734 $250,016 $257,517 $265,242 $273,199
$228,800 $235,664 $242,734 $250,016 $257,517 $265,242 $273,199
$228,800 $235,664 $242,734 $250,016 $257,517 $265,242 $273,199
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$41,624 $42,665 $43,731 $44,825 $45,945 $47,094 $48,271
$41,624 $42,665 $43,731 $44,825 $45,945 $47,094 $48,271
$31,601 $32,391 $33,201 $34,031 $34,882 $35,754 $36,648
$31,601 $32,391 $33,201 $34,031 $34,882 $35,754 $36,648
$0 $0 $0 $0 $0 $0 $0
-$3,348,896 -$3,675,805 -$4,024,219 -$4,395,376 -$4,790,584 -$5,211,220 -$5,658,735
$0 $0 $0 $0 $0 $0 $0
$155,575 $160,608 $165,802 $171,160 $176,689 $182,394 $188,280
-$171,334 -$187,805 -$205,356 -$224,048 -$243,946 -$265,121 -$287,644
$0 $0 $0 $0 $0 $0 $0
-$3,675,805 -$4,024,219 -$4,395,376 -$4,790,584 -$5,211,220 -$5,658,735 -$6,134,659
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2086 2087 2088 2089 2090 2091 2092
61 62 63 64 65 66 67
116 117 118 119 120 121 122
1.00 1.00 1.00 1.00 1.00 1.00 1.00
1.00 1.00 1.00 1.00 1.00 1.00 1.00
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2 2 2 2 2 2 2
5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%
3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0%
2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
$281,395 $289,837 $298,532 $307,488 $316,713 $326,214 $336,001
$281,395 $289,837 $298,532 $307,488 $316,713 $326,214 $336,001
$281,395 $289,837 $298,532 $307,488 $316,713 $326,214 $336,001
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$49,478 $50,715 $51,983 $53,282 $54,615 $55,980 $57,379
$49,478 $50,715 $51,983 $53,282 $54,615 $55,980 $57,379
$37,564 $38,503 $39,466 $40,452 $41,464 $42,500 $43,563
$37,564 $38,503 $39,466 $40,452 $41,464 $42,500 $43,563
$0 $0 $0 $0 $0 $0 $0
-$6,134,659 -$6,640,605 -$7,178,269 -$7,749,444 -$8,356,013 -$8,999,965 -$9,683,391
$0 $0 $0 $0 $0 $0 $0
$194,353 $200,619 $207,084 $213,754 $220,635 $227,734 $235,059
-$311,592 -$337,046 -$364,091 -$392,816 -$423,317 -$455,692 -$490,046
$0 $0 $0 $0 $0 $0 $0
-$6,640,605 -$7,178,269 -$7,749,444 -$8,356,013 -$8,999,965 -$9,683,391 -$10,408,495
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2093 2094 2095 2096 2097 2098 2099
68 69 70 71 72 73 74
123 124 125 126 127 128 129
1.00 1.00 1.00 1.00 1.00 1.00 1.00
1.00 1.00 1.00 1.00 1.00 1.00 1.00
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2 2 2 2 2 2 2
5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%
3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0%
2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
$346,081 $356,463 $367,157 $378,172 $389,517 $401,202 $413,238
$346,081 $356,463 $367,157 $378,172 $389,517 $401,202 $413,238
$346,081 $356,463 $367,157 $378,172 $389,517 $401,202 $413,238
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$58,814 $60,284 $61,791 $63,336 $64,919 $66,542 $68,206
$58,814 $60,284 $61,791 $63,336 $64,919 $66,542 $68,206
$44,652 $45,768 $46,912 $48,085 $49,287 $50,519 $51,782
$44,652 $45,768 $46,912 $48,085 $49,287 $50,519 $51,782
$0 $0 $0 $0 $0 $0 $0
-$10,408,495 -$11,177,601 -$11,993,152 -$12,857,724 -$13,774,030 -$14,744,924 -$15,773,415
$0 $0 $0 $0 $0 $0 $0
$242,615 $250,411 $258,454 $266,751 $275,310 $284,141 $293,250
-$526,490 -$565,140 -$606,119 -$649,555 -$695,584 -$744,350 -$796,002
$0 $0 $0 $0 $0 $0 $0
-$11,177,601 -$11,993,152 -$12,857,724 -$13,774,030 -$14,744,924 -$15,773,415 -$16,862,667
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2100 2101 2102 2103 2104 2105 2106
75 76 77 78 79 80 81
130 131 132 133 134 135 136
1.00 1.00 1.00 1.00 1.00 1.00 1.00
1.00 1.00 1.00 1.00 1.00 1.00 1.00
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2 2 2 2 2 2 2
5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%
3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0%
2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
$425,636 $438,405 $451,557 $465,104 $479,057 $493,428 $508,231
$425,636 $438,405 $451,557 $465,104 $479,057 $493,428 $508,231
$425,636 $438,405 $451,557 $465,104 $479,057 $493,428 $508,231
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$69,911 $71,659 $73,450 $75,287 $77,169 $79,098 $81,076
$69,911 $71,659 $73,450 $75,287 $77,169 $79,098 $81,076
$53,077 $54,404 $55,764 $57,158 $58,587 $60,052 $61,553
$53,077 $54,404 $55,764 $57,158 $58,587 $60,052 $61,553
$0 $0 $0 $0 $0 $0 $0
-$16,862,667 -$18,016,014 -$19,236,965 -$20,529,215 -$21,896,651 -$23,343,367 -$24,873,671
$0 $0 $0 $0 $0 $0 $0
$302,648 $312,342 $322,343 $332,659 $343,301 $354,279 $365,603
-$850,700 -$908,609 -$969,907 -$1,034,777 -$1,103,415 -$1,176,025 -$1,252,824
$0 $0 $0 $0 $0 $0 $0
-$18,016,014 -$19,236,965 -$20,529,215 -$21,896,651 -$23,343,367 -$24,873,671 -$26,492,097
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2107 2108 2109 2110 2111 2112 2113
82 83 84 85 86 87 88
137 138 139 140 141 142 143
1.00 1.00 1.00 1.00 1.00 1.00 1.00
1.00 1.00 1.00 1.00 1.00 1.00 1.00
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2 2 2 2 2 2 2
5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%
3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0%
2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
$523,478 $539,182 $555,358 $572,019 $589,179 $606,855 $625,060
$523,478 $539,182 $555,358 $572,019 $589,179 $606,855 $625,060
$523,478 $539,182 $555,358 $572,019 $589,179 $606,855 $625,060
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$83,102 $85,180 $87,309 $89,492 $91,730 $94,023 $96,373
$83,102 $85,180 $87,309 $89,492 $91,730 $94,023 $96,373
$63,092 $64,669 $66,286 $67,943 $69,641 $71,382 $73,167
$63,092 $64,669 $66,286 $67,943 $69,641 $71,382 $73,167
$0 $0 $0 $0 $0 $0 $0
-$26,492,097 -$28,203,418 -$30,012,656 -$31,925,095 -$33,946,298 -$36,082,117 -$38,338,708
$0 $0 $0 $0 $0 $0 $0
$377,284 $389,334 $401,763 $414,584 $427,808 $441,449 $455,520
-$1,334,037 -$1,419,904 -$1,510,677 -$1,606,619 -$1,708,010 -$1,815,142 -$1,928,323
$0 $0 $0 $0 $0 $0 $0
-$28,203,418 -$30,012,656 -$31,925,095 -$33,946,298 -$36,082,117 -$38,338,708 -$40,722,552
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2114 2115 2116 2117 2118 2119 2120
89 90 91 92 93 94 95
144 145 146 147 148 149 150
1.00 1.00 1.00 1.00 1.00 1.00 1.00
1.00 1.00 1.00 1.00 1.00 1.00 1.00
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2 2 2 2 2 2 2
5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%
3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0%
2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
$643,812 $663,126 $683,020 $703,511 $724,616 $746,355 $768,745
$643,812 $663,126 $683,020 $703,511 $724,616 $746,355 $768,745
$643,812 $663,126 $683,020 $703,511 $724,616 $746,355 $768,745
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$98,783 $101,252 $103,784 $106,378 $109,038 $111,764 $114,558
$98,783 $101,252 $103,784 $106,378 $109,038 $111,764 $114,558
$74,996 $76,871 $78,793 $80,763 $82,782 $84,851 $86,973
$74,996 $76,871 $78,793 $80,763 $82,782 $84,851 $86,973
$0 $0 $0 $0 $0 $0 $0
-$40,722,552 -$43,240,463 -$45,899,615 -$48,707,550 -$51,672,207 -$54,801,934 -$58,105,514
$0 $0 $0 $0 $0 $0 $0
$470,033 $485,003 $500,444 $516,370 $532,797 $549,740 $567,215
-$2,047,878 -$2,174,148 -$2,307,492 -$2,448,287 -$2,596,930 -$2,753,840 -$2,919,456
$0 $0 $0 $0 $0 $0 $0
-$43,240,463 -$45,899,615 -$48,707,550 -$51,672,207 -$54,801,934 -$58,105,514 -$61,592,185
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2121 2122 2123 2124 2125 2126 2127
96 97 98 99 100 101 102
151 152 153 154 155 156 157
1.00 1.00 1.00 1.00 1.00 1.00 1.00
1.00 1.00 1.00 1.00 1.00 1.00 1.00
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2 2 2 2 2 2 2
5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%
3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0%
2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
$791,808 $815,562 $840,029 $865,230 $891,186 $917,922 $945,460
$791,808 $815,562 $840,029 $865,230 $891,186 $917,922 $945,460
$791,808 $815,562 $840,029 $865,230 $891,186 $917,922 $945,460
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$117,422 $120,357 $123,366 $126,450 $129,611 $132,852 $136,173
$117,422 $120,357 $123,366 $126,450 $129,611 $132,852 $136,173
$89,147 $91,376 $93,660 $96,001 $98,401 $100,862 $103,383
$89,147 $91,376 $93,660 $96,001 $98,401 $100,862 $103,383
$0 $0 $0 $0 $0 $0 $0
-$61,592,185 -$65,271,665 -$69,154,173 -$73,250,460 -$77,571,830 -$82,130,174 -$86,937,997
$0 $0 $0 $0 $0 $0 $0
$585,239 $603,829 $623,003 $642,778 $663,174 $684,209 $705,904
-$3,094,240 -$3,278,679 -$3,473,284 -$3,678,592 -$3,895,171 -$4,123,614 -$4,364,547
$0 $0 $0 $0 $0 $0 $0
-$65,271,665 -$69,154,173 -$73,250,460 -$77,571,830 -$82,130,174 -$86,937,997 -$92,008,448
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2128 2129 2130 2131 2132 2133 2134
103 104 105 106 107 108 109
158 159 160 161 162 163 164
1.00 1.00 1.00 1.00 1.00 1.00 1.00
1.00 1.00 1.00 1.00 1.00 1.00 1.00
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
2 2 2 2 2 2 2
5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%
3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0%
2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
$973,824 $1,003,038 $1,033,129 $1,064,123 $1,096,047 $1,128,928 $1,162,796
$973,824 $1,003,038 $1,033,129 $1,064,123 $1,096,047 $1,128,928 $1,162,796
$973,824 $1,003,038 $1,033,129 $1,064,123 $1,096,047 $1,128,928 $1,162,796
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$139,577 $143,067 $146,643 $150,310 $154,067 $157,919 $161,867
$139,577 $143,067 $146,643 $150,310 $154,067 $157,919 $161,867
$105,968 $108,617 $111,332 $114,116 $116,968 $119,893 $122,890
$105,968 $108,617 $111,332 $114,116 $116,968 $119,893 $122,890
$0 $0 $0 $0 $0 $0 $0
-$92,008,448 -$97,355,356 -$102,993,262 -$108,937,458 -$115,204,022 -$121,809,859 -$128,772,747
$0 $0 $0 $0 $0 $0 $0
$728,279 $751,355 $775,154 $799,698 $825,011 $851,117 $878,039
-$4,618,629 -$4,886,552 -$5,169,042 -$5,466,865 -$5,780,826 -$6,111,771 -$6,460,588
$0 $0 $0 $0 $0 $0 $0
-$97,355,356 -$102,993,262 -$108,937,458 -$115,204,022 -$121,809,859 -$128,772,747 -$136,111,375
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
 2135 2136 2137 2138 2139
110 111 112 113 114
165 166 167 168 169
1.00 1.00 1.00 1.00 1.00
1.00 1.00 1.00 1.00 1.00
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
2 2 2 2 2
5.0% 5.0% 5.0% 5.0% 5.0%
3.0% 3.0% 3.0% 3.0% 3.0%
2.5% 2.5% 2.5% 2.5% 2.5%
$1,197,680 $1,233,610 $1,270,619 $1,308,737 $1,348,000
$1,197,680 $1,233,610 $1,270,619 $1,308,737 $1,348,000
$1,197,680 $1,233,610 $1,270,619 $1,308,737 $1,348,000
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$165,914 $170,061 $174,313 $178,671 $183,138
$165,914 $170,061 $174,313 $178,671 $183,138
$125,962 $129,111 $132,339 $135,648 $139,039
$125,962 $129,111 $132,339 $135,648 $139,039
$0 $0 $0 $0 $0
-$136,111,375 -$143,845,393 -$151,995,461 -$160,583,300 -$169,631,745
$0 $0 $0 $0 $0
$905,804 $934,438 $963,967 $994,419 $1,025,823
-$6,828,214 -$7,215,631 -$7,623,872 -$8,054,025 -$8,507,233
$0 $0 $0 $0 $0
-$143,845,393 -$151,995,461 -$160,583,300 -$169,631,745 -$179,164,801
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0