A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
1 | Year | Price | Dividend | Capital gains per share sold | Taxable/Roth | Traditional | Reinvestment of Tax Refund in Taxable Account | |||||||||||||||||||
2 | 1 | 1 | 0.018 | Ordinary Income | 41184 | 60840 | 73000 | Ordinary Income | 41184 | 60840 | 73000 | Ordinary Income | 41184 | 60840 | 73000 | Ordinary Income (Payroll) | 41184 | 37604.94566 | 60840 | 55292.12208 | 73000 | 65840.671 | ||||
3 | 2 | 1.095 | 0.01971 | Net Take Home | 34973 | 50540 | 59095 | Desired Withdrawal | 37605 | 55292 | 65841 | Net Take Home | 34973 | 50540 | 59095 | Capital Gains | 0 | 0 | 0 | 0 | 0 | 0 | ||||
4 | 3 | 1.199025 | 0.02158245 | Contribution | 6500 | 6500 | 6500 | Contribution | 6500 | 6500 | 6500 | Contribution | 780 | 1007 | 1430 | Standard Deduction | 13850 | 13850 | 13850 | 13850 | 13850 | 13850 | ||||
5 | 4 | 1.312932375 | 0.02363278275 | Total Contribution | 6500 | 6500 | 6500 | Total Contribution | 6500 | 6500 | 6500 | Total Contribution | 780 | 1007 | 1430 | Other Deduction | 0 | 0 | 0 | 0 | ||||||
6 | 5 | 1.437660951 | 0.02587789711 | Starting Shares | 0 | 0 | 0 | Starting Shares | 0 | 0 | 0 | Starting Shares | 0 | 0 | 0 | Taxable Ordinary Income | 27334 | 23754.94566 | 46990 | 41442.12208 | 59150 | 51990.671 | ||||
7 | 6 | 1.574238741 | 0.02833629734 | Shares Bought | 6500 | 6500 | 6500 | Shares Bought | 6500 | 6500 | 6500 | Shares Bought | 780 | 1007 | 1430 | Ordinary Tax | 1100 | 1100 | 1100 | 1100 | 1100 | 1100 | ||||
8 | 7 | 1.723791421 | 0.03102824558 | Total Shares | 6500 | 6500 | 6500 | Total Shares | 6500 | 6500 | 6500 | Total Shares | 780 | 1007 | 1430 | 1960.08 | 1530.59348 | 4047 | 3653.05465 | 4047 | 4047 | |||||
9 | 8 | 1.887551606 | 0.03397592891 | Cost Basis | 1 | 1 | 1 | Cost Basis | 1 | 1 | 1 | Cost Basis | 1 | 1 | 1 | 0 | 0 | 498.3 | 0 | 3173.5 | 1598.44762 | |||||
10 | 9 | 2.066869009 | 0.03720364216 | Starting Cash | 0 | 0 | 0 | Starting Cash | 0 | 0 | 0 | Starting Cash | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
11 | 10 | 2.263221565 | 0.04073798817 | Interest | 0 | 0 | 0 | Interest | 0 | 0 | 0 | Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
12 | 11 | 2.478227613 | 0.04460809704 | 1.023827613 | Year 1 dividend | 117 | 117 | 117 | Year 1 dividend | 117 | 117 | 117 | Year 1 dividend | 14.04 | 18.126 | 25.74 | 0 | 0 | 0 | 0 | 0 | 0 | ||||
13 | 12 | 2.713659237 | 0.04884586626 | 1.259259237 | Total Cash | 117 | 117 | 117 | Total Cash | 117 | 117 | 117 | Total Cash | 14.04 | 18.126 | 25.74 | 0 | 0 | 0 | 0 | 0 | 0 | ||||
14 | 13 | 2.971456864 | 0.05348622356 | 1.517056864 | Year 1 interest tax | 0 | 0 | 0 | Year 1 ordinary income tax | 0 | 0 | 0 | Year 1 interest tax | 0 | 0 | 0 | Capital Gains Tax | 0 | 0 | 0 | 0 | 0 | 0 | |||
15 | 14 | 3.253745266 | 0.05856741479 | 1.799345266 | Year 1 capital gains tax | 0 | 18 | 18 | Year 1 capital gains tax | 0 | 0 | 0 | Year 1 capital gains tax | 0 | 0 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | ||||
16 | 15 | 3.562851067 | 0.0641313192 | 2.108451067 | Total additional tax | 0 | 18 | 18 | Total additional tax | 0 | 0 | 0 | Total additional tax | 0 | 0 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | ||||
17 | Tax (without FICA) | 3060.08 | 2630.59348 | 5645.3 | 4753.05465 | 8320.5 | 6745.44762 | |||||||||||||||||||
18 | Contribution | 6500 | 6500 | 6500 | Contribution | 6500 | 6500 | 6500 | Contribution | 780 | 1007 | 1430 | Net Income (without FICA) | 38123.92 | 34974.35218 | 55194.7 | 50539.06743 | 64679.5 | 59095.22338 | |||||||
19 | Total Contribution | 13000 | 13000 | 13000 | Total Contribution | 13000 | 13000 | 13000 | Total Contribution | 1560 | 2014 | 2860 | Social Security | 2553.408 | 2331.506631 | 3772.08 | 3428.111569 | 4526 | 4082.121602 | |||||||
20 | Starting Shares | 6500 | 6500 | 6500 | Starting Shares | 6500 | 6500 | 6500 | Starting Shares | 780 | 1007 | 1430 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||||
21 | Shares Bought | 5936.073059 | 5936.073059 | 5936.073059 | Shares Bought | 5936.073059 | 5936.073059 | 5936.073059 | Shares Bought | 712.3287671 | 919.6347032 | 1305.936073 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||||
22 | Total Shares | 12436.07306 | 12436.07306 | 12436.07306 | Total Shares | 12436.07306 | 12436.07306 | 12436.07306 | Total Shares | 1492.328767 | 1926.634703 | 2735.936073 | Medicare | 597.168 | 545.2717121 | 882.18 | 801.7357702 | 1058.5 | 954.6897295 | |||||||
23 | Cost Basis | 1.045346062 | 1.045346062 | 1.045346062 | Cost Basis | 1.045346062 | 1.045346062 | 1.045346062 | Cost Basis | 1.045346062 | 1.045346062 | 1.045346062 | Total FICA | 3150.576 | 2876.778343 | 4654.26 | 4229.847339 | 5584.5 | 5036.811332 | |||||||
24 | Starting Cash | 117 | 117 | 117 | Starting Cash | 117 | 117 | 117 | Starting Cash | 14.04 | 18.126 | 25.74 | Net Income (After FICA) | 34973.344 | 32097.57384 | 50540.44 | 46309.22009 | 59095 | 54058.41205 | |||||||
25 | Interest | 5.265 | 5.265 | 5.265 | Interest | 5.265 | 5.265 | 5.265 | Interest | 0.6318 | 0.81567 | 1.1583 | ||||||||||||||
26 | Year 2 dividend | 245.115 | 245.115 | 245.115 | Year 2 dividend | 245.115 | 245.115 | 245.115 | Year 2 dividend | 29.4138 | 37.97397 | 53.9253 | ||||||||||||||
27 | Total Cash | 367.38 | 367.38 | 367.38 | Total Cash | 367.38 | 367.38 | 367.38 | Total Cash | 44.0856 | 56.91564 | 80.8236 | Ordinary Income (Payroll) | 41184 | 41184 | 60840 | 60840 | 73000 | 73000 | |||||||
28 | Year 2 interest tax | 1 | 1 | 1 | Year 2 ordinary income tax | 0 | 0 | 0 | Year 2 interest tax | 0 | 0 | 0 | Capital Gains | 0 | 0 | 0 | 0 | 0 | 0 | |||||||
29 | Year 2 capital gains tax | 0 | 37 | 37 | Year 2 capital gains tax | 0 | 0 | 0 | Year 2 capital gains tax | 0 | 0 | 8 | Standard Deduction | 13850 | 13850 | 13850 | 13850 | 13850 | 13850 | |||||||
30 | Total additional tax | 1 | 56 | 56 | Total additional tax | 0 | 0 | 0 | Total additional tax | 0 | 0 | 12 | Other Deduction | 0 | 6500 | 0 | 6500 | 6500 | ||||||||
31 | Taxable Ordinary Income | 27334 | 20834 | 46990 | 40490 | 59150 | 52650 | |||||||||||||||||||
32 | Contribution | 6500 | 6500 | 6500 | Contribution | 6500 | 6500 | 6500 | Contribution | 780 | 1007 | 1430 | Ordinary Tax | 1100 | 1100 | 1100 | 1100 | 1100 | 1100 | |||||||
33 | Total Contribution | 19500 | 19500 | 19500 | Total Contribution | 19500 | 19500 | 19500 | Total Contribution | 2340 | 3021 | 4290 | 1960.08 | 1180.08 | 4047 | 3538.8 | 4047 | 4047 | ||||||||
34 | Starting Shares | 12436.07306 | 12436.07306 | 12436.07306 | Starting Shares | 12436.07306 | 12436.07306 | 12436.07306 | Starting Shares | 1492.328767 | 1926.634703 | 2735.936073 | 0 | 0 | 498.3 | 0 | 3173.5 | 1743.5 | ||||||||
35 | Shares Bought | 5421.071287 | 5421.071287 | 5421.071287 | Shares Bought | 5421.071287 | 5421.071287 | 5421.071287 | Shares Bought | 650.5285545 | 839.849044 | 1192.635683 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||||
36 | Total Shares | 17857.14435 | 17857.14435 | 17857.14435 | Total Shares | 17857.14435 | 17857.14435 | 17857.14435 | Total Shares | 2142.857322 | 2766.483747 | 3928.571756 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||||
37 | Cost Basis | 1.091999909 | 1.091999909 | 1.091999909 | Cost Basis | 1.091999909 | 1.091999909 | 1.091999909 | Cost Basis | 1.091999909 | 1.091999909 | 1.091999909 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||||
38 | Starting Cash | 367.38 | 367.38 | 367.38 | Starting Cash | 367.38 | 367.38 | 367.38 | Starting Cash | 44.0856 | 56.91564 | 80.8236 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||||
39 | Interest | 16.5321 | 16.5321 | 16.5321 | Interest | 16.5321 | 16.5321 | 16.5321 | Interest | 1.983852 | 2.5612038 | 3.637062 | Capital Gains Tax | 0 | 0 | 0 | 0 | 0 | 0 | |||||||
40 | Year 3 dividend | 385.400925 | 385.400925 | 385.400925 | Year 3 dividend | 385.400925 | 385.400925 | 385.400925 | Year 3 dividend | 46.248111 | 59.70749715 | 84.7882035 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||||
41 | Total Cash | 769.313025 | 769.313025 | 769.313025 | Total Cash | 769.313025 | 769.313025 | 769.313025 | Total Cash | 92.317563 | 119.184341 | 169.2488655 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||||
42 | Year 3 interest tax | 2 | 4 | 4 | Year 3 ordinary income tax | 0 | 0 | 0 | Year 3 interest tax | 0 | 0 | 2 | Tax (without FICA) | 3060.08 | 2280.08 | 5645.3 | 4638.8 | 8320.5 | 6890.5 | |||||||
43 | Year 3 capital gains tax | 0 | 58 | 58 | Year 3 capital gains tax | 0 | 0 | 0 | Year 3 capital gains tax | 0 | 0 | 13 | Net Income (without FICA) | 38123.92 | 38903.92 | 55194.7 | 56201.2 | 64679.5 | 66109.5 | |||||||
44 | Total additional tax | 3 | 118 | 118 | Total additional tax | 0 | 0 | 0 | Total additional tax | 0 | 0 | 27 | Social Security | 2553.408 | 2553.408 | 3772.08 | 3772.08 | 4526 | 4526 | |||||||
45 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||||||||||||||||
46 | Contribution | 6500 | 6500 | 6500 | Contribution | 6500 | 6500 | 6500 | Contribution | 780 | 1007 | 1430 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||||
47 | Total Contribution | 26000 | 26000 | 26000 | Total Contribution | 26000 | 26000 | 26000 | Total Contribution | 3120 | 4028 | 5720 | Medicare | 597.168 | 597.168 | 882.18 | 882.18 | 1058.5 | 1058.5 | |||||||
48 | Starting Shares | 17857.14435 | 17857.14435 | 17857.14435 | Starting Shares | 17857.14435 | 17857.14435 | 17857.14435 | Starting Shares | 2142.857322 | 2766.483747 | 3928.571756 | Total FICA | 3150.576 | 3150.576 | 4654.26 | 4654.26 | 5584.5 | 5584.5 | |||||||
49 | Shares Bought | 4950.750034 | 4950.750034 | 4950.750034 | Shares Bought | 4950.750034 | 4950.750034 | 4950.750034 | Shares Bought | 594.0900041 | 766.9854283 | 1089.165007 | Net Income (After FICA) | 34973.344 | 35753.344 | 50540.44 | 51546.94 | 59095 | 60525 | |||||||
50 | Total Shares | 22807.89438 | 22807.89438 | 22807.89438 | Total Shares | 22807.89438 | 22807.89438 | 22807.89438 | Total Shares | 2736.947326 | 3533.469176 | 5017.736764 | ||||||||||||||
51 | Cost Basis | 1.139956173 | 1.139956173 | 1.139956173 | Cost Basis | 1.139956173 | 1.139956173 | 1.139956173 | Cost Basis | 1.139956173 | 1.139956173 | 1.139956173 | ||||||||||||||
52 | Starting Cash | 769.313025 | 769.313025 | 769.313025 | Starting Cash | 769.313025 | 769.313025 | 769.313025 | Starting Cash | 92.317563 | 119.184341 | 169.2488655 | Tax Difference (H-I) To Next Column | 780 | 1006.5 | 1430 | ||||||||||
53 | Interest | 34.61908613 | 34.61908613 | 34.61908613 | Interest | 34.61908613 | 34.61908613 | 34.61908613 | Interest | 4.154290335 | 5.363295343 | 7.616198948 | ||||||||||||||
54 | Year 4 dividend | 539.0140129 | 539.0140129 | 539.0140129 | Year 4 dividend | 539.0140129 | 539.0140129 | 539.0140129 | Year 4 dividend | 64.68168155 | 83.50570938 | 118.5830828 | ||||||||||||||
55 | Total Cash | 1342.946124 | 1342.946124 | 1342.946124 | Total Cash | 1342.946124 | 1342.946124 | 1342.946124 | Total Cash | 161.1535349 | 208.0533457 | 295.4481473 | ||||||||||||||
56 | Year 4 interest tax | 4 | 8 | 8 | Year 4 ordinary income tax | 0 | 0 | 0 | Year 4 interest tax | 0 | 0 | 2 | ||||||||||||||
57 | Year 4 capital gains tax | 0 | 81 | 81 | Year 4 capital gains tax | 0 | 0 | 0 | Year 4 capital gains tax | 0 | 0 | 18 | ||||||||||||||
58 | Total additional tax | 7 | 207 | 207 | Total additional tax | 0 | 0 | 0 | Total additional tax | 0 | 0 | 47 | ||||||||||||||
59 | ||||||||||||||||||||||||||
60 | Contribution | 6500 | 6500 | 6500 | Contribution | 6500 | 6500 | 6500 | Contribution | 780 | 1007 | 1430 | ||||||||||||||
61 | Total Contribution | 32500 | 32500 | 32500 | Total Contribution | 32500 | 32500 | 32500 | Total Contribution | 3900 | 5035 | 7150 | ||||||||||||||
62 | Starting Shares | 22807.89438 | 22807.89438 | 22807.89438 | Starting Shares | 22807.89438 | 22807.89438 | 22807.89438 | Starting Shares | 2736.947326 | 3533.469176 | 5017.736764 | ||||||||||||||
63 | Shares Bought | 4521.232908 | 4521.232908 | 4521.232908 | Shares Bought | 4521.232908 | 4521.232908 | 4521.232908 | Shares Bought | 542.5479489 | 700.4433135 | 994.6712397 | ||||||||||||||
64 | Total Shares | 27329.12729 | 27329.12729 | 27329.12729 | Total Shares | 27329.12729 | 27329.12729 | 27329.12729 | Total Shares | 3279.495275 | 4233.912489 | 6012.408003 | ||||||||||||||
65 | Cost Basis | 1.189207385 | 1.189207385 | 1.189207385 | Cost Basis | 1.189207385 | 1.189207385 | 1.189207385 | Cost Basis | 1.189207385 | 1.189207385 | 1.189207385 | ||||||||||||||
66 | Starting Cash | 1342.946124 | 1342.946124 | 1342.946124 | Starting Cash | 1342.946124 | 1342.946124 | 1342.946124 | Starting Cash | 161.1535349 | 208.0533457 | 295.4481473 | ||||||||||||||
67 | Interest | 60.43257558 | 60.43257558 | 60.43257558 | Interest | 60.43257558 | 60.43257558 | 60.43257558 | Interest | 7.25190907 | 9.362400555 | 13.29516663 | ||||||||||||||
68 | Year 5 dividend | 707.2203441 | 707.2203441 | 707.2203441 | Year 5 dividend | 707.2203441 | 707.2203441 | 707.2203441 | Year 5 dividend | 84.86644129 | 109.5647518 | 155.5884757 | ||||||||||||||
69 | Total Cash | 2110.599044 | 2110.599044 | 2110.599044 | Total Cash | 2110.599044 | 2110.599044 | 2110.599044 | Total Cash | 253.2718852 | 326.980498 | 464.3317896 | ||||||||||||||
70 | Year 5 interest tax | 7 | 13 | 13 | Year 5 ordinary income tax | 0 | 0 | 0 | Year 5 interest tax | 1 | 1 | 3 | ||||||||||||||
71 | Year 5 capital gains tax | 0 | 106 | 106 | Year 5 capital gains tax | 0 | 0 | 0 | Year 5 capital gains tax | 0 | 0 | 23 | ||||||||||||||
72 | Total additional tax | 14 | 326 | 326 | Total additional tax | 0 | 0 | 0 | Total additional tax | 1 | 1 | 73 | ||||||||||||||
73 | ||||||||||||||||||||||||||
74 | Contribution | 6500 | 6500 | 6500 | Contribution | 6500 | 6500 | 6500 | Contribution | 780 | 1007 | 1430 | ||||||||||||||
75 | Total Contribution | 39000 | 39000 | 39000 | Total Contribution | 39000 | 39000 | 39000 | Total Contribution | 4680 | 6042 | 8580 | ||||||||||||||
76 | Starting Shares | 27329.12729 | 27329.12729 | 27329.12729 | Starting Shares | 27329.12729 | 27329.12729 | 27329.12729 | Starting Shares | 3279.495275 | 4233.912489 | 6012.408003 | ||||||||||||||
77 | Shares Bought | 4128.979824 | 4128.979824 | 4128.979824 | Shares Bought | 4128.979824 | 4128.979824 | 4128.979824 | Shares Bought | 495.4775789 | 639.6742589 | 908.3755614 | ||||||||||||||
78 | Total Shares | 31458.10711 | 31458.10711 | 31458.10711 | Total Shares | 31458.10711 | 31458.10711 | 31458.10711 | Total Shares | 3774.972853 | 4873.586748 | 6920.783565 | ||||||||||||||
79 | Cost Basis | 1.239744015 | 1.239744015 | 1.239744015 | Cost Basis | 1.239744015 | 1.239744015 | 1.239744015 | Cost Basis | 1.239744015 | 1.239744015 | 1.239744015 | ||||||||||||||
80 | Starting Cash | 2110.599044 | 2110.599044 | 2110.599044 | Starting Cash | 2110.599044 | 2110.599044 | 2110.599044 | Starting Cash | 253.2718852 | 326.980498 | 464.3317896 | ||||||||||||||
81 | Interest | 94.97695697 | 94.97695697 | 94.97695697 | Interest | 94.97695697 | 94.97695697 | 94.97695697 | Interest | 11.39723484 | 14.71412241 | 20.89493053 | ||||||||||||||
82 | Year 6 dividend | 891.4062768 | 891.4062768 | 891.4062768 | Year 6 dividend | 891.4062768 | 891.4062768 | 891.4062768 | Year 6 dividend | 106.9687532 | 138.0994032 | 196.1093809 | ||||||||||||||
83 | Total Cash | 3096.982277 | 3096.982277 | 3096.982277 | Total Cash | 3096.982277 | 3096.982277 | 3096.982277 | Total Cash | 371.6378733 | 479.7940236 | 681.336101 | ||||||||||||||
84 | Year 6 interest tax | 11 | 21 | 21 | Year 6 ordinary income tax | 0 | 0 | 0 | Year 6 interest tax | 1 | 2 | 5 | ||||||||||||||
85 | Year 6 capital gains tax | 0 | 134 | 134 | Year 6 capital gains tax | 0 | 0 | 0 | Year 6 capital gains tax | 0 | 0 | 29 | ||||||||||||||
86 | Total additional tax | 25 | 481 | 481 | Total additional tax | 0 | 0 | 0 | Total additional tax | 2 | 3 | 107 | ||||||||||||||
87 | ||||||||||||||||||||||||||
88 | Contribution | 6500 | 6500 | 6500 | Contribution | 6500 | 6500 | 6500 | Contribution | 780 | 1007 | 1430 | ||||||||||||||
89 | Total Contribution | 45500 | 45500 | 45500 | Total Contribution | 45500 | 45500 | 45500 | Total Contribution | 5460 | 7049 | 10010 | ||||||||||||||
90 | Starting Shares | 31458.10711 | 31458.10711 | 31458.10711 | Starting Shares | 31458.10711 | 31458.10711 | 31458.10711 | Starting Shares | 3774.972853 | 4873.586748 | 6920.783565 | ||||||||||||||
91 | Shares Bought | 3770.75783 | 3770.75783 | 3770.75783 | Shares Bought | 3770.75783 | 3770.75783 | 3770.75783 | Shares Bought | 452.4909397 | 584.1774054 | 829.5667227 | ||||||||||||||
92 | Total Shares | 35228.86494 | 35228.86494 | 35228.86494 | Total Shares | 35228.86494 | 35228.86494 | 35228.86494 | Total Shares | 4227.463793 | 5457.764153 | 7750.350287 | ||||||||||||||
93 | Cost Basis | 1.291554527 | 1.291554527 | 1.291554527 | Cost Basis | 1.291554527 | 1.291554527 | 1.291554527 | Cost Basis | 1.291554527 | 1.291554527 | 1.291554527 | ||||||||||||||
94 | Starting Cash | 3096.982277 | 3096.982277 | 3096.982277 | Starting Cash | 3096.982277 | 3096.982277 | 3096.982277 | Starting Cash | 371.6378733 | 479.7940236 | 681.336101 | ||||||||||||||
95 | Interest | 139.3642025 | 139.3642025 | 139.3642025 | Interest | 139.3642025 | 139.3642025 | 139.3642025 | Interest | 16.7237043 | 21.59073106 | 30.66012455 | ||||||||||||||
96 | Year 7 dividend | 1093.089873 | 1093.089873 | 1093.089873 | Year 7 dividend | 1093.089873 | 1093.089873 | 1093.089873 | Year 7 dividend | 131.1707848 | 169.3448465 | 240.4797721 | ||||||||||||||
97 | Total Cash | 4329.436353 | 4329.436353 | 4329.436353 | Total Cash | 4329.436353 | 4329.436353 | 4329.436353 | Total Cash | 519.5323624 | 670.7296011 | 952.4759977 | ||||||||||||||
98 | Year 7 interest tax | 17 | 31 | 31 | Year 7 ordinary income tax | 0 | 0 | 0 | Year 7 interest tax | 2 | 3 | 7 | ||||||||||||||
99 | Year 7 capital gains tax | 0 | 164 | 164 | Year 7 capital gains tax | 0 | 0 | 0 | Year 7 capital gains tax | 0 | 0 | 36 | ||||||||||||||
100 | Total additional tax | 42 | 676 | 676 | Total additional tax | 0 | 0 | 0 | Total additional tax | 4 | 6 | 150 | ||||||||||||||
101 | ||||||||||||||||||||||||||
102 | Contribution | 6500 | 6500 | 6500 | Contribution | 6500 | 6500 | 6500 | Contribution | 780 | 1007 | 1430 | ||||||||||||||
103 | Total Contribution | 52000 | 52000 | 52000 | Total Contribution | 52000 | 52000 | 52000 | Total Contribution | 6240 | 8056 | 11440 | ||||||||||||||
104 | Starting Shares | 35228.86494 | 35228.86494 | 35228.86494 | Starting Shares | 35228.86494 | 35228.86494 | 35228.86494 | Starting Shares | 4227.463793 | 5457.764153 | 7750.350287 | ||||||||||||||
105 | Shares Bought | 3443.614457 | 3443.614457 | 3443.614457 | Shares Bought | 3443.614457 | 3443.614457 | 3443.614457 | Shares Bought | 413.2337348 | 533.4953474 | 757.5951805 | ||||||||||||||
106 | Total Shares | 38672.4794 | 38672.4794 | 38672.4794 | Total Shares | 38672.4794 | 38672.4794 | 38672.4794 | Total Shares | 4640.697528 | 5991.259501 | 8507.945468 | ||||||||||||||
107 | Cost Basis | 1.34462545 | 1.34462545 | 1.34462545 | Cost Basis | 1.34462545 | 1.34462545 | 1.34462545 | Cost Basis | 1.34462545 | 1.34462545 | 1.34462545 | ||||||||||||||
108 | Starting Cash | 4329.436353 | 4329.436353 | 4329.436353 | Starting Cash | 4329.436353 | 4329.436353 | 4329.436353 | Starting Cash | 519.5323624 | 670.7296011 | 952.4759977 | ||||||||||||||
109 | Interest | 194.8246359 | 194.8246359 | 194.8246359 | Interest | 194.8246359 | 194.8246359 | 194.8246359 | Interest | 23.37895631 | 30.18283205 | 42.86141989 | ||||||||||||||
110 | Year 8 dividend | 1313.933411 | 1313.933411 | 1313.933411 | Year 8 dividend | 1313.933411 | 1313.933411 | 1313.933411 | Year 8 dividend | 157.6720093 | 203.5586069 | 289.0653504 | ||||||||||||||
111 | Total Cash | 5838.1944 | 5838.1944 | 5838.1944 | Total Cash | 5838.1944 | 5838.1944 | 5838.1944 | Total Cash | 700.583328 | 904.4710401 | 1284.402768 | ||||||||||||||
112 | Year 8 interest tax | 23 | 43 | 43 | Year 8 ordinary income tax | 0 | 0 | 0 | Year 8 interest tax | 3 | 4 | 9 | ||||||||||||||
113 | Year 8 capital gains tax | 0 | 197 | 197 | Year 8 capital gains tax | 0 | 0 | 0 | Year 8 capital gains tax | 0 | 0 | 43 | ||||||||||||||
114 | Total additional tax | 65 | 916 | 916 | Total additional tax | 0 | 0 | 0 | Total additional tax | 7 | 10 | 202 | ||||||||||||||
115 | ||||||||||||||||||||||||||
116 | Contribution | 6500 | 6500 | 6500 | Contribution | 6500 | 6500 | 6500 | Contribution | 780 | 1007 | 1430 | ||||||||||||||
117 | Total Contribution | 58500 | 58500 | 58500 | Total Contribution | 58500 | 58500 | 58500 | Total Contribution | 7020 | 9063 | 12870 | ||||||||||||||
118 | Starting Shares | 38672.4794 | 38672.4794 | 38672.4794 | Starting Shares | 38672.4794 | 38672.4794 | 38672.4794 | Starting Shares | 4640.697528 | 5991.259501 | 8507.945468 | ||||||||||||||
119 | Shares Bought | 3144.853385 | 3144.853385 | 3144.853385 | Shares Bought | 3144.853385 | 3144.853385 | 3144.853385 | Shares Bought | 377.3824062 | 487.2103629 | 691.8677448 | ||||||||||||||
120 | Total Shares | 41817.33279 | 41817.33279 | 41817.33279 | Total Shares | 41817.33279 | 41817.33279 | 41817.33279 | Total Shares | 5018.079934 | 6478.469864 | 9199.813213 | ||||||||||||||
121 | Cost Basis | 1.398941446 | 1.398941446 | 1.398941446 | Cost Basis | 1.398941446 | 1.398941446 | 1.398941446 | Cost Basis | 1.398941446 | 1.398941446 | 1.398941446 | ||||||||||||||
122 | Starting Cash | 5838.1944 | 5838.1944 | 5838.1944 | Starting Cash | 5838.1944 | 5838.1944 | 5838.1944 | Starting Cash | 700.583328 | 904.4710401 | 1284.402768 | ||||||||||||||
123 | Interest | 262.718748 | 262.718748 | 262.718748 | Interest | 262.718748 | 262.718748 | 262.718748 | Interest | 31.52624976 | 40.7011968 | 57.79812456 | ||||||||||||||
124 | Year 9 dividend | 1555.757085 | 1555.757085 | 1555.757085 | Year 9 dividend | 1555.757085 | 1555.757085 | 1555.757085 | Year 9 dividend | 186.6908502 | 241.0226746 | 342.2665587 | ||||||||||||||
125 | Total Cash | 7656.670233 | 7656.670233 | 7656.670233 | Total Cash | 7656.670233 | 7656.670233 | 7656.670233 | Total Cash | 918.800428 | 1186.194911 | 1684.467451 | ||||||||||||||
126 | Year 9 interest tax | 32 | 58 | 58 | Year 9 ordinary income tax | 0 | 0 | 0 | Year 9 interest tax | 4 | 5 | 13 | ||||||||||||||
127 | Year 9 capital gains tax | 0 | 233 | 233 | Year 9 capital gains tax | 0 | 0 | 0 | Year 9 capital gains tax | 0 | 0 | 51 | ||||||||||||||
128 | Total additional tax | 97 | 1207 | 1207 | Total additional tax | 0 | 0 | 0 | Total additional tax | 11 | 15 | 266 | ||||||||||||||
129 | ||||||||||||||||||||||||||
130 | Contribution | 6500 | 6500 | 6500 | Contribution | 6500 | 6500 | 6500 | Contribution | 780 | 1007 | 1430 | ||||||||||||||
131 | Total Contribution | 65000 | 65000 | 65000 | Total Contribution | 65000 | 65000 | 65000 | Total Contribution | 7800 | 10070 | 14300 | ||||||||||||||
132 | Starting Shares | 41817.33279 | 41817.33279 | 41817.33279 | Starting Shares | 41817.33279 | 41817.33279 | 41817.33279 | Starting Shares | 5018.079934 | 6478.469864 | 9199.813213 | ||||||||||||||
133 | Shares Bought | 2872.012224 | 2872.012224 | 2872.012224 | Shares Bought | 2872.012224 | 2872.012224 | 2872.012224 | Shares Bought | 344.6414669 | 444.9409707 | 631.8426893 | ||||||||||||||
134 | Total Shares | 44689.34501 | 44689.34501 | 44689.34501 | Total Shares | 44689.34501 | 44689.34501 | 44689.34501 | Total Shares | 5362.721401 | 6923.410835 | 9831.655902 | ||||||||||||||
135 | Cost Basis | 1.454485403 | 1.454485403 | 1.454485403 | Cost Basis | 1.454485403 | 1.454485403 | 1.454485403 | Cost Basis | 1.454485403 | 1.454485403 | 1.454485403 | ||||||||||||||
136 | Starting Cash | 7656.670233 | 7656.670233 | 7656.670233 | Starting Cash | 7656.670233 | 7656.670233 | 7656.670233 | Starting Cash | 918.800428 | 1186.194911 | 1684.467451 | ||||||||||||||
137 | Interest | 344.5501605 | 344.5501605 | 344.5501605 | Interest | 344.5501605 | 344.5501605 | 344.5501605 | Interest | 41.34601926 | 53.37877102 | 75.80103531 | ||||||||||||||
138 | Year 10 dividend | 1820.554008 | 1820.554008 | 1820.554008 | Year 10 dividend | 1820.554008 | 1820.554008 | 1820.554008 | Year 10 dividend | 218.466481 | 282.0458286 | 400.5218818 | ||||||||||||||
139 | Total Cash | 9821.774402 | 9821.774402 | 9821.774402 | Total Cash | 9821.774402 | 9821.774402 | 9821.774402 | Total Cash | 1178.612928 | 1521.619511 | 2160.790368 | ||||||||||||||
140 | Year 10 interest tax | 41 | 76 | 76 | Year 10 ordinary income tax | 0 | 0 | 0 | Year 10 interest tax | 5 | 6 | 17 | ||||||||||||||
141 | Year 10 capital gains tax | 0 | 273 | 273 | Year 10 capital gains tax | 0 | 0 | 0 | Year 10 capital gains tax | 0 | 0 | 60 | ||||||||||||||
142 | Total additional tax | 138 | 1556 | 1556 | Total additional tax | 0 | 0 | 0 | Total additional tax | 16 | 21 | 343 | ||||||||||||||
143 | ||||||||||||||||||||||||||
144 | Contribution | 0 | 0 | 0 | Contribution | 0 | 0 | 0 | Contribution | 0 | 0 | 0 | ||||||||||||||
145 | Total Contribution | 65000 | 65000 | 65000 | Total Contribution | 65000 | 65000 | 65000 | Total Contribution | 7800 | 10070 | 14300 | ||||||||||||||
146 | Starting Shares | 44689.34501 | 44689.34501 | 44689.34501 | Starting Shares | 44689.34501 | 44689.34501 | 44689.34501 | Starting Shares | 5362.721401 | 6923.410835 | 9831.655902 | ||||||||||||||
147 | Shares Bought | -14112.10165 | -20393.607 | -23845.67087 | Shares Bought | -15174.15099 | -22311.10641 | -26567.77757 | Shares Bought | 0 | 0 | 0 | ||||||||||||||
148 | Total Shares | 30577.24336 | 24295.73801 | 20843.67414 | Total Shares | 29515.19402 | 22378.2386 | 18121.56744 | Total Shares | 5362.721401 | 6923.410835 | 9831.655902 | ||||||||||||||
149 | Cost Basis | 1.454485403 | 1.454485403 | 1.454485403 | Cost Basis | 1.454485403 | 1.454485403 | 1.454485403 | Cost Basis | 1.454485403 | 1.454485403 | 1.454485403 | ||||||||||||||
150 | Starting Cash | 9821.774402 | 9821.774402 | 9821.774402 | Starting Cash | 9821.774402 | 9821.774402 | 9821.774402 | Starting Cash | 1178.612928 | 1521.619511 | 2160.790368 | ||||||||||||||
151 | Cash distribution | 0 | 0 | 0 | Cash distribution | 0 | 0 | 0 | Cash distribution | 0 | 0 | 0 | ||||||||||||||
152 | Interest | 441.9798481 | 441.9798481 | 441.9798481 | Interest | 441.9798481 | 441.9798481 | 441.9798481 | Interest | 53.03758177 | 68.472878 | 97.23556658 | ||||||||||||||
153 | Year 11 dividend | 1363.992639 | 1083.786639 | 929.7966389 | Year 11 dividend | 1316.616639 | 998.2506389 | 808.3686389 | Year 11 dividend | 239.2207967 | 308.8401824 | 438.5714606 | ||||||||||||||
154 | Total Cash | 10263.75425 | 10263.75425 | 10263.75425 | Total Cash | 10263.75425 | 10263.75425 | 10263.75425 | Total Cash | 1231.65051 | 1590.092389 | 2258.025935 | ||||||||||||||
155 | Year 11 interest tax | 0 | 0 | 0 | Year 11 ordinary income | 2631 | 4753 | 6746 | Year 11 interest tax | 7 | 8 | 21 | ||||||||||||||
156 | Year 11 capital gains tax | 0 | 0 | 0 | Year 11 capital gains tax | 0 | 0 | 0 | Year 11 capital gains tax | 0 | 0 | 66 | ||||||||||||||
157 | Total additional tax | 138 | 1556 | 1556 | Total additional tax | 2631 | 4753 | 6746 | Total additional tax | 23 | 29 | 430 | ||||||||||||||
158 | Years in retirement | 1 | 1 | 1 | Years in retirement | 1 | 1 | 1 | Years in retirement | 1 | 1 | 1 | ||||||||||||||
159 | ||||||||||||||||||||||||||
160 | Contribution | 0 | 0 | 0 | Contribution | 0 | 0 | 0 | Contribution | 0 | 0 | 0 | ||||||||||||||
161 | Total Contribution | 65000 | 65000 | 65000 | Total Contribution | 65000 | 65000 | 65000 | Total Contribution | 7800 | 10070 | 14300 | ||||||||||||||
162 | Starting Shares | 30577.24336 | 24295.73801 | 20843.67414 | Starting Shares | 29515.19402 | 22378.2386 | 18121.56744 | Starting Shares | 5362.721401 | 6923.410835 | 9831.655902 | ||||||||||||||
163 | Shares Bought | -12887.76407 | -18624.29863 | -20843.67414 | Shares Bought | -13857.67214 | -20375.43965 | -18121.56744 | Shares Bought | 0 | 0 | -1948 | ||||||||||||||
164 | Total Shares | 17689.47929 | 5671.439383 | 0 | Total Shares | 15657.52188 | 2002.798949 | 0 | Total Shares | 5362.721401 | 6923.410835 | 7883.655902 | ||||||||||||||
165 | Cost Basis | 1.454485403 | 1.454485403 | 1.454485403 | Cost Basis | 1.454485403 | 1.454485403 | 1.454485403 | Cost Basis | 1.454485403 | 1.454485403 | 1.454485403 | ||||||||||||||
166 | Starting Cash | 10263.75425 | 10263.75425 | 10263.75425 | Starting Cash | 10263.75425 | 10263.75425 | 10263.75425 | Starting Cash | 1231.65051 | 1590.092389 | 2258.025935 | ||||||||||||||
167 | Cash distribution | 0 | 0 | -2532.371132 | Cash distribution | 0 | 0 | -10263.75425 | Cash distribution | 0 | 0 | 0 | ||||||||||||||
168 | Interest | 461.8689412 | 461.8689412 | 347.9122403 | Interest | 461.8689412 | 461.8689412 | 0 | Interest | 55.42427295 | 71.55415751 | 101.6111671 | ||||||||||||||
169 | Year 12 dividend | 864.0579396 | 277.0263696 | 0 | Year 12 dividend | 764.8052196 | 97.82844963 | 0 | Year 12 dividend | 261.9467724 | 338.1799997 | 385.0840018 | ||||||||||||||
170 | Total Cash | 10725.62319 | 10725.62319 | 8079.295358 | Total Cash | 10725.62319 | 10725.62319 | 0 | Total Cash | 1287.074783 | 1661.646547 | 2359.637102 | ||||||||||||||
171 | Year 12 interest tax | 0 | 0 | 0 | Year 12 ordinary income tax | 2631 | 4753 | 5337 | Year 12 interest tax | 7 | 9 | 21 | ||||||||||||||
172 | Year 12 capital gains tax | 0 | 0 | 0 | Year 12 capital gains tax | 0 | 0 | 0 | Year 12 capital gains tax | 0 | 0 | 368 | ||||||||||||||
173 | Total additional tax | 138 | 1556 | 1556 | Total additional tax | 5262 | 9506 | 12083 | Total additional tax | 30 | 38 | 819 | ||||||||||||||
174 | Years in retirement | 2 | 2 | 2 | Years in retirement | 2 | 2 | 1.821714632 | Years in retirement | 2 | 2 | 2 | ||||||||||||||
175 | ||||||||||||||||||||||||||
176 | Contribution | 0 | 0 | 0 | Contribution | 0 | 0 | 0 | Contribution | 0 | 0 | 0 | ||||||||||||||
177 | Total Contribution | 65000 | 65000 | 65000 | Total Contribution | 65000 | 65000 | 65000 | Total Contribution | 7800 | 10070 | 14300 | ||||||||||||||
178 | Starting Shares | 17689.47929 | 5671.439383 | 0 | Starting Shares | 15657.52188 | 2002.798949 | 0 | Starting Shares | 5362.721401 | 6923.410835 | 7883.655902 | ||||||||||||||
179 | Shares Bought | -11769.64755 | -5671.439383 | 0 | Shares Bought | -12655.40835 | -2002.798949 | 0 | Shares Bought | 0 | -6923.410835 | -7883.655902 | ||||||||||||||
180 | Total Shares | 5919.831741 | 0 | 0 | Total Shares | 3002.113532 | 0 | 0 | Total Shares | 5362.721401 | 0 | 0 | ||||||||||||||
181 | Cost Basis | 1.454485403 | 1.454485403 | 1.454485403 | Cost Basis | 1.454485403 | 1.454485403 | 1.454485403 | Cost Basis | 1.454485403 | 1.454485403 | 1.454485403 | ||||||||||||||
182 | Starting Cash | 10725.62319 | 10725.62319 | 8079.295358 | Starting Cash | 10725.62319 | 10725.62319 | 0 | Starting Cash | 1287.074783 | 1661.646547 | 2359.637102 | ||||||||||||||
183 | Cash distribution | 0 | -10725.62319 | -8079.295358 | Cash distribution | 0 | -10725.62319 | 0 | Cash distribution | 0 | -1661.646547 | -2359.637102 | ||||||||||||||
184 | Interest | 482.6530436 | 0 | 0 | Interest | 482.6530436 | 0 | 0 | Interest | 57.91836523 | 0 | 0 | ||||||||||||||
185 | Year 13 dividend | 346.7092411 | 0 | 0 | Year 13 dividend | 0 | 0 | 0 | Year 13 dividend | 286.8317157 | 0 | 0 | ||||||||||||||
186 | Total Cash | 11208.27623 | 0 | 0 | Total Cash | 11208.27623 | 0 | 0 | Total Cash | 1344.993148 | 0 | 0 | ||||||||||||||
187 | Year 13 interest tax | 0 | 0 | 0 | Year 13 ordinary income tax | 2631 | 283 | 0 | Year 13 interest tax | 7 | 0 | 0 | ||||||||||||||
188 | Year 13 capital gains tax | 0 | 0 | 0 | Year 13 capital gains tax | 0 | 0 | 0 | Year 13 capital gains tax | 0 | 0 | 0 | ||||||||||||||
189 | Total additional tax | 138 | 1556 | 1556 | Total additional tax | 7893 | 9789 | 12083 | Total additional tax | 37 | 38 | 819 | ||||||||||||||
190 | Years in retirement | 3 | 2.545667999 | 2.136717072 | Years in retirement | 3 | 2.296495947 | 1.821714632 | Years in retirement | 3 | 2.764307817 | 2.436341155 | ||||||||||||||
191 | ||||||||||||||||||||||||||
192 | Contribution | 0 | 0 | 0 | Contribution | 0 | 0 | 0 | Contribution | 0 | 0 | 0 | ||||||||||||||
193 | Total Contribution | 65000 | 65000 | 65000 | Total Contribution | 65000 | 65000 | 65000 | Total Contribution | 7800 | 10070 | 14300 | ||||||||||||||
194 | Starting Shares | 5919.831741 | 0 | 0 | Starting Shares | 3002.113532 | 0 | 0 | Starting Shares | 5362.721401 | 0 | 0 | ||||||||||||||
195 | Shares Bought | -5919.831741 | 0 | 0 | Shares Bought | -3002.113532 | 0 | 0 | Shares Bought | -4504 | 0 | 0 | ||||||||||||||
196 | Total Shares | 0 | 0 | 0 | Total Shares | 0 | 0 | 0 | Total Shares | 858.7214011 | 0 | 0 | ||||||||||||||
197 | Cost Basis | 1.454485403 | 1.454485403 | 1.454485403 | Cost Basis | 1.454485403 | 1.454485403 | 1.454485403 | Cost Basis | 1.454485403 | 1.454485403 | 1.454485403 | ||||||||||||||
198 | Starting Cash | 11208.27623 | 0 | 0 | Starting Cash | 11208.27623 | 0 | 0 | Starting Cash | 1344.993148 | 0 | 0 | ||||||||||||||
199 | Cash distribution | -11208.27623 | 0 | 0 | Cash distribution | -11208.27623 | 0 | 0 | Cash distribution | 0 | 0 | 0 | ||||||||||||||
200 | Interest | 0 | 0 | 0 | Interest | 0 | 0 | 0 | Interest | 60.52469167 | 0 | 0 | ||||||||||||||
201 | Year 14 dividend | 0 | 0 | 0 | Year 14 dividend | 0 | 0 | 0 | Year 14 dividend | 0 | 0 | 0 | ||||||||||||||
202 | Total Cash | 0 | 0 | 0 | Total Cash | 0 | 0 | 0 | Total Cash | 1405.51784 | 0 | 0 | ||||||||||||||
203 | Year 14 interest tax | 0 | 0 | 0 | Year 14 ordinary income tax | 713 | 0 | 0 | Year 14 interest tax | 6 | 0 | 0 | ||||||||||||||
204 | Year 14 capital gains tax | 0 | 0 | 0 | Year 14 capital gains tax | 0 | 0 | 0 | Year 14 capital gains tax | 0 | 0 | 0 | ||||||||||||||
205 | Total additional tax | 138 | 1556 | 1556 | Total additional tax | 8606 | 9789 | 12083 | Total additional tax | 43 | 38 | 819 | ||||||||||||||
206 | Years in retirement | 3.871240692 | 2.545667999 | 2.136717072 | Years in retirement | 3.538848263 | 2.296495947 | 1.821714632 | Years in retirement | 4 | 2.764307817 | 2.436341155 | ||||||||||||||
207 | ||||||||||||||||||||||||||
208 | Contribution | 0 | 0 | 0 | ||||||||||||||||||||||
209 | Total Contribution | 7800 | 10070 | 14300 | ||||||||||||||||||||||
210 | Starting Shares | 858.7214011 | 0 | 0 | ||||||||||||||||||||||
211 | Shares Bought | -858.7214011 | 0 | 0 | ||||||||||||||||||||||
212 | Total Shares | 0 | 0 | 0 | ||||||||||||||||||||||
213 | Cost Basis | 1.454485403 | 1.454485403 | 1.454485403 | ||||||||||||||||||||||
214 | Starting Cash | 1405.51784 | 0 | 0 | ||||||||||||||||||||||
215 | Cash distribution | -1405.51784 | 0 | 0 | ||||||||||||||||||||||
216 | Interest | 0 | 0 | 0 | ||||||||||||||||||||||
217 | Year 14 dividend | 0 | 0 | 0 | ||||||||||||||||||||||
218 | Total Cash | 0 | 0 | 0 | ||||||||||||||||||||||
219 | Year 14 interest tax | 0 | 0 | 0 | ||||||||||||||||||||||
220 | Year 14 capital gains tax | 0 | 0 | 0 | ||||||||||||||||||||||
221 | Total additional tax | 43 | 38 | 819 | ||||||||||||||||||||||
222 | Years in retirement | 4.120080592 | 2.764307817 | 2.436341155 |