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Year 1

Age
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41

25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65

Sum of PV
Receiving
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
SUM of PV

66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82

YPME
Interest Rate
Contribution (aftertax)
PV
3231.36
3295.9872
3361.906944
3429.14508288
3497.7279845376
3567.6825442284
3639.0361951129
3711.8169190152
3786.0532573955
3861.7743225434
3939.0098089943
4017.7900051742
4098.1458052776
4180.1087213832
4263.7108958109
4348.9851137271
4435.9648160016
4524.6841123216
4615.1777945681
4707.4813504594
4801.6309774686
4897.663597018
4995.6168689584
5095.5292063375
5197.4397904643
5301.3885862736
5407.416357999
5515.564685159
5625.8759788622
5738.3934984394
5853.1613684082
5970.2245957764
6089.6290876919
6211.4216694458
6335.6501028347
6462.3631048914
6591.6103669892
6723.442574329
6857.9114258156
6995.0696543319
7134.9710474185

-$3,162.88
-$3,157.78
-$3,152.68
-$3,147.58
-$3,142.50
-$3,137.43
-$3,132.36
-$3,127.30
-$3,122.25
-$3,117.21
-$3,112.17
-$3,107.15
-$3,102.13
-$3,097.12
-$3,092.12
-$3,087.12
-$3,082.14
-$3,077.16
-$3,072.19
-$3,067.23
-$3,062.27
-$3,057.33
-$3,052.39
-$3,047.46
-$3,042.54
-$3,037.62
-$3,032.72
-$3,027.82
-$3,022.93
-$3,018.05
-$3,013.17
-$3,008.31
-$3,003.45
-$2,998.60
-$2,993.76
-$2,988.92
-$2,984.09
-$2,979.27
-$2,974.46
-$2,969.66
-$2,964.86

40000
2.165%

-$125,576.14
-18377.9557281991
-18745.5148427631
-19120.4251396184
-19502.8336424108
-19892.890315259
-20290.7481215642
-20696.5630839954
-21110.4943456754
-21532.7042325889
-21963.3583172406
-22402.6254835855
-22850.6779932572
-23307.6915531223
-23773.8453841848
-24249.3222918684
-24734.3087377058
-25228.9949124599

$7,474.93
$7,462.86
$7,450.81
$7,438.78
$7,426.76
$7,414.77
$7,402.79
$7,390.84
$7,378.90
$7,366.98
$7,355.08
$7,343.21
$7,331.35
$7,319.51
$7,307.68
$7,295.88
$7,284.10
$125,445.23

Tax credit
Increase in YPME per ye

0.2 Retirment t
2.00%

0.2