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Instructions:
1. Enter your starting assumptions here:
2. Enter your income sources, expenses, loans and investments on the corresponding tabs:
3. Check out the 'Summary' tab and the 'Charts & Graphs' tabs
4. Start using excel's 'Scenarios' feature to aid in decision making
5. GIve us feedback
6. Check out some of the documentation that explains how this spreadsheet works.
7. Check for a new version of this spreadsheet
© 2011, LifeSpreadsheet.com - All Rights Reserved
© 2011, LifeSpreadsheet.com - All Rights Reserved
Starting Assumptions
List of IncomeList of ExpensesList of LoansList of Investments
SummaryCharts and Graphs
How to use scenarios (external link)
Feedback (external link)
Documentation
http://www.lifespreadsheet.com
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0%20%40%60%80%
100%Percentage of Income Spent on Expenses and Income
Column MColumn L
Age
$0
$1
$1
Net Worth Over Time
Column I
$0
$1
$1
Passive Income vs. Expenses (Excluding Income Tax)
Passive IncomeExpenses
Your Age Passive Income112 1/1/2012 0 113 1/1/2013 0 114 1/1/2014 0 115 1/1/2015 0 116 1/1/2016 0 117 1/1/2017 0 118 1/1/2018 0 119 1/1/2019 0 120 1/1/2020 0 121 1/1/2021 0 122 1/1/2022 0 123 1/1/2023 0 124 1/1/2024 0 125 1/1/2025 0 126 1/1/2026 0 127 1/1/2027 0 128 1/1/2028 0 129 1/1/2029 0 130 1/1/2030 0 131 1/1/2031 0 132 1/1/2032 0 133 1/1/2033 0 134 1/1/2034 0 135 1/1/2035 0 136 1/1/2036 0 137 1/1/2037 0 138 1/1/2038 0 139 1/1/2039 0 140 1/1/2040 0 141 1/1/2041 0 142 1/1/2042 0 143 1/1/2043 0 144 1/1/2044 0 145 1/1/2045 0 146 1/1/2046 0 147 1/1/2047 0 148 1/1/2048 0 149 1/1/2049 0 150 1/1/2050 0 151 1/1/2051 0 152 1/1/2052 0 153 1/1/2053 0 154 1/1/2054 0 155 1/1/2055 0 156 1/1/2056 0 157 1/1/2057 0 158 1/1/2058 0 159 1/1/2059 0 160 1/1/2060 0 161 1/1/2061 0
0%20%40%60%80%
100%Percentage of Income Spent on Expenses and Income
Column MColumn L
Age
$0
$1
$1
Net Worth Over Time
Column I
$0
$1
$1
Passive Income vs. Expenses (Excluding Income Tax)
Passive IncomeExpenses
162 1/1/2062 0 163 1/1/2063 0 164 1/1/2064 0 165 1/1/2065 0 166 1/1/2066 0 167 1/1/2067 0 168 1/1/2068 0 169 1/1/2069 0 170 1/1/2070 0 171 1/1/2071 0 172 1/1/2072 0 173 1/1/2073 0 174 1/1/2074 0 175 1/1/2075 0 176 1/1/2076 0 177 1/1/2077 0 178 1/1/2078 0 179 1/1/2079 0 180 1/1/2080 0 181 1/1/2081 0 182 1/1/2082 0 183 1/1/2083 0 184 1/1/2084 0 185 1/1/2085 0 186 1/1/2086 0 187 1/1/2087 0 188 1/1/2088 0 189 1/1/2089 0 190 1/1/2090 0 191 1/1/2091 0 192 1/1/2092 0 193 1/1/2093 0 194 1/1/2094 0 195 1/1/2095 0 196 1/1/2096 0 197 1/1/2097 0 198 1/1/2098 0 199 1/1/2099 0 200 1/1/2100 0 201 1/1/2101 0
Expenses $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-
$- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-
BalancesYour Age Date Total Assets Assets Investments Debt Net Worth
112 1/1/2012 0 0 0 0 0 113 1/1/2013 0 0 0 0 0 114 1/1/2014 0 0 0 0 0 115 1/1/2015 0 0 0 0 0 116 1/1/2016 0 0 0 0 0 117 1/1/2017 0 0 0 0 0 118 1/1/2018 0 0 0 0 0 119 1/1/2019 0 0 0 0 0 120 1/1/2020 0 0 0 0 0 121 1/1/2021 0 0 0 0 0 122 1/1/2022 0 0 0 0 0 123 1/1/2023 0 0 0 0 0 124 1/1/2024 0 0 0 0 0 125 1/1/2025 0 0 0 0 0 126 1/1/2026 0 0 0 0 0 127 1/1/2027 0 0 0 0 0 128 1/1/2028 0 0 0 0 0 129 1/1/2029 0 0 0 0 0 130 1/1/2030 0 0 0 0 0 131 1/1/2031 0 0 0 0 0 132 1/1/2032 0 0 0 0 0 133 1/1/2033 0 0 0 0 0 134 1/1/2034 0 0 0 0 0 135 1/1/2035 0 0 0 0 0 136 1/1/2036 0 0 0 0 0 137 1/1/2037 0 0 0 0 0 138 1/1/2038 0 0 0 0 0 139 1/1/2039 0 0 0 0 0 140 1/1/2040 0 0 0 0 0 141 1/1/2041 0 0 0 0 0 142 1/1/2042 0 0 0 0 0 143 1/1/2043 0 0 0 0 0 144 1/1/2044 0 0 0 0 0 145 1/1/2045 0 0 0 0 0 146 1/1/2046 0 0 0 0 0 147 1/1/2047 0 0 0 0 0 148 1/1/2048 0 0 0 0 0 149 1/1/2049 0 0 0 0 0 150 1/1/2050 0 0 0 0 0 151 1/1/2051 0 0 0 0 0 152 1/1/2052 0 0 0 0 0 153 1/1/2053 0 0 0 0 0 154 1/1/2054 0 0 0 0 0 155 1/1/2055 0 0 0 0 0 156 1/1/2056 0 0 0 0 0 157 1/1/2057 0 0 0 0 0 158 1/1/2058 0 0 0 0 0 159 1/1/2059 0 0 0 0 0 160 1/1/2060 0 0 0 0 0
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161 1/1/2061 0 0 0 0 0 162 1/1/2062 0 0 0 0 0 163 1/1/2063 0 0 0 0 0 164 1/1/2064 0 0 0 0 0 165 1/1/2065 0 0 0 0 0 166 1/1/2066 0 0 0 0 0 167 1/1/2067 0 0 0 0 0 168 1/1/2068 0 0 0 0 0 169 1/1/2069 0 0 0 0 0 170 1/1/2070 0 0 0 0 0 171 1/1/2071 0 0 0 0 0 172 1/1/2072 0 0 0 0 0 173 1/1/2073 0 0 0 0 0 174 1/1/2074 0 0 0 0 0 175 1/1/2075 0 0 0 0 0 176 1/1/2076 0 0 0 0 0 177 1/1/2077 0 0 0 0 0 178 1/1/2078 0 0 0 0 0 179 1/1/2079 0 0 0 0 0 180 1/1/2080 0 0 0 0 0 181 1/1/2081 0 0 0 0 0 182 1/1/2082 0 0 0 0 0 183 1/1/2083 0 0 0 0 0 184 1/1/2084 0 0 0 0 0 185 1/1/2085 0 0 0 0 0 186 1/1/2086 0 0 0 0 0 187 1/1/2087 0 0 0 0 0 188 1/1/2088 0 0 0 0 0 189 1/1/2089 0 0 0 0 0 190 1/1/2090 0 0 0 0 0 191 1/1/2091 0 0 0 0 0 192 1/1/2092 0 0 0 0 0 193 1/1/2093 0 0 0 0 0 194 1/1/2094 0 0 0 0 0 195 1/1/2095 0 0 0 0 0 196 1/1/2096 0 0 0 0 0 197 1/1/2097 0 0 0 0 0 198 1/1/2098 0 0 0 0 0 199 1/1/2099 0 0 0 0 0 200 1/1/2100 0 0 0 0 0 201 1/1/2101 0 0 0 0 0
Income & Expenses Change in Asset Balances During the YearIncome Expenses Net Income Generic Assets Listed Investments
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Asset Balances During the YearTotal Assets
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
What is your birthday?
20121/1/2012What year would you like to start planning from?
(Typically the current year)
What rate would you like to use to estimate inflation?
What is the current value of your monetary assets (excluding listed investments)?
What amount of your assets do you plan to keep in cash? (These assets won't earn interest)
What amount do you expect to earn on the assets you don't keep in cash? (The spreadsheet assumes you will invest these assets at the rate you provide without you having to include them on the 'List of Investments' page.)
If you are married, or plan to be married, enter your wedding date here. (Assumes you are filing jointly after your married date, or single otherwise. Change this in the 'Tax Status by Year' tab.
How many children/dependents do you have or plan to have?
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ID
123456789
10111213141516171819202122232425262728293031323334353637383940414243444546
What is the name of this income source?
Is this a one time source of income or is it recurring? (If you don’t want a recurring income source to be prorated, choose a start date of 1/1 and an end date of 12/31)
What is the annual amount in today's dollars?
When do you expect this income source to begin? (enter a date on or after the 'Start Date' on the Assumptions Tab)
4748495051
0000000000000000000000000000000000000000000000
When do you expect this income source to end?
What growth rate do you expect for this income source? (e.g. % raise each year)
Is this source of income taxable? (Select 'No' if the income is not taxable, or you want to enter your own tax estimates in the expenses area)
This is the amount that will be used to calculate this income source from the start date listed.
Do you want to adjust the amount for inflation at the start date? (This should be no, unless you are using an current dollar estimate for an income source in the future)
00000
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ID
123456789
10111213141516171819202122232425262728293031323334353637383940414243
What do you want to call this expense?
Is this a recurring or one time expense?
Is this expense an amount or percentage of gross income (pre-tax)?
What is the amount or percentage in today dollars? (To enter a percentage, you must enter it as a decimal, e.g. ".1" for 10%
When do you expect this expense to begin?
When do you expect this expense to end?
44454647484950
0 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 0
If this expense is deductible, select the type of deduction that applies (interest deductions are handled on the 'List of Loans' Tab)
If you expect this expense to increase at a rate greater than inflation, enter the growth percentage above inflation here:
The total growth rate for this expense (includes inflation + additional growth)
The amount or percentage in dollars adjusted for inflation at the start date of the expense
0 00 00 00 00 00 00 0
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ID
1 $- $- 2 $- $- 3 $- $- 4 $- $- 5 $- $- 6 $- $- 7 $- $- 8 $- $- 9 $- $-
10 $- $-
What do you want to call this investment?
Enter the Starting Amount for this Investment (e.g. your current balance)
Enter the matched amount of this investment (e.g. employer matched amount)
This is the total starting balance for this investment
How much do you invest in this per year?
How much does your employer invest in this per year?
This is the total amount that is invested per year
Note: Most users will find it easier and more straightforward to simply allow the spreadsheet to assume their assets above a certain amount are invested at a given rate (as defined by the 'Starting Assumptions' tab. The primary purpose of this tab is to calculate the tax ramifications as well as employer matching amounts for 401(k)s and IRAs. It is possible to include other investments on this tab, but it is not recommended.
How much do you expect this payment to grow by every year? (e.g. if you invest a percentage of your salary, enter your expected raise)
When do you expect this investment to start? (this should not be a date before the start date on the 'Starting Assumptions' Tab)
When do you expect the recurring investments (i.e. payments) to stop?
What is the expected return of this investment?
When do you expect to sell this investment?
How are investments made to this investment treated for tax purposes?
Note: Most users will find it easier and more straightforward to simply allow the spreadsheet to assume their assets above a certain amount are invested at a given rate (as defined by the 'Starting Assumptions' tab. The primary purpose of this tab is to calculate the tax ramifications as well as employer matching amounts for 401(k)s and IRAs. It is possible to include other investments on this tab, but it is not recommended.
How are disbursements of this investment treated for tax purposes?
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ID
123456789
1011121314151617181920
What is the name of this loan?
What is the amount of this loan in dollars as of the start date? (This is not adjusted for inflation)
When did you, or when do you expect to begin making payments on this loan?
How many years will you have this loan?
What is the interest rate for this loan?
#NUM! ####NUM! ####NUM! ####NUM! ####NUM! ####NUM! ####NUM! ####NUM! ####NUM! ####NUM! ####NUM! ####NUM! ####NUM! ####NUM! ####NUM! ####NUM! ####NUM! ####NUM! ####NUM! ####NUM! ###
Select the frequency of the payment for this loan
Is the interest paid on this loan tax deductible?*
This is the payment for this loan
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Aggregated by Category
Year Total Income
Capital Gains Wages/Salary Other Taxable Income
1/1/2012 $- $- $- $- $- 1/1/2013 $- $- $- $- $- 1/1/2014 $- $- $- $- $- 1/1/2015 $- $- $- $- $- 1/1/2016 $- $- $- $- $- 1/1/2017 $- $- $- $- $- 1/1/2018 $- $- $- $- $- 1/1/2019 $- $- $- $- $- 1/1/2020 $- $- $- $- $- 1/1/2021 $- $- $- $- $- 1/1/2022 $- $- $- $- $- 1/1/2023 $- $- $- $- $- 1/1/2024 $- $- $- $- $- 1/1/2025 $- $- $- $- $- 1/1/2026 $- $- $- $- $- 1/1/2027 $- $- $- $- $- 1/1/2028 $- $- $- $- $- 1/1/2029 $- $- $- $- $- 1/1/2030 $- $- $- $- $- 1/1/2031 $- $- $- $- $- 1/1/2032 $- $- $- $- $- 1/1/2033 $- $- $- $- $- 1/1/2034 $- $- $- $- $- 1/1/2035 $- $- $- $- $- 1/1/2036 $- $- $- $- $- 1/1/2037 $- $- $- $- $- 1/1/2038 $- $- $- $- $- 1/1/2039 $- $- $- $- $- 1/1/2040 $- $- $- $- $- 1/1/2041 $- $- $- $- $- 1/1/2042 $- $- $- $- $- 1/1/2043 $- $- $- $- $- 1/1/2044 $- $- $- $- $- 1/1/2045 $- $- $- $- $- 1/1/2046 $- $- $- $- $- 1/1/2047 $- $- $- $- $- 1/1/2048 $- $- $- $- $- 1/1/2049 $- $- $- $- $- 1/1/2050 $- $- $- $- $- 1/1/2051 $- $- $- $- $- 1/1/2052 $- $- $- $- $- 1/1/2053 $- $- $- $- $- 1/1/2054 $- $- $- $- $- 1/1/2055 $- $- $- $- $- 1/1/2056 $- $- $- $- $- 1/1/2057 $- $- $- $- $-
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Taxable Investment
Withdrawals
1/1/2058 $- $- $- $- $- 1/1/2059 $- $- $- $- $- 1/1/2060 $- $- $- $- $- 1/1/2061 $- $- $- $- $- 1/1/2062 $- $- $- $- $- 1/1/2063 $- $- $- $- $- 1/1/2064 $- $- $- $- $- 1/1/2065 $- $- $- $- $- 1/1/2066 $- $- $- $- $- 1/1/2067 $- $- $- $- $- 1/1/2068 $- $- $- $- $- 1/1/2069 $- $- $- $- $- 1/1/2070 $- $- $- $- $- 1/1/2071 $- $- $- $- $- 1/1/2072 $- $- $- $- $- 1/1/2073 $- $- $- $- $- 1/1/2074 $- $- $- $- $- 1/1/2075 $- $- $- $- $- 1/1/2076 $- $- $- $- $- 1/1/2077 $- $- $- $- $- 1/1/2078 $- $- $- $- $- 1/1/2079 $- $- $- $- $- 1/1/2080 $- $- $- $- $- 1/1/2081 $- $- $- $- $- 1/1/2082 $- $- $- $- $- 1/1/2083 $- $- $- $- $- 1/1/2084 $- $- $- $- $- 1/1/2085 $- $- $- $- $- 1/1/2086 $- $- $- $- $- 1/1/2087 $- $- $- $- $- 1/1/2088 $- $- $- $- $- 1/1/2089 $- $- $- $- $- 1/1/2090 $- $- $- $- $- 1/1/2091 $- $- $- $- $- 1/1/2092 $- $- $- $- $- 1/1/2093 $- $- $- $- $- 1/1/2094 $- $- $- $- $- 1/1/2095 $- $- $- $- $- 1/1/2096 $- $- $- $- $- 1/1/2097 $- $- $- $- $- 1/1/2098 $- $- $- $- $- 1/1/2099 $- $- $- $- $- 1/1/2100 $- $- $- $- $- 1/1/2101 $- $- $- $- $-
1 2 3Aggregated by Category List of Income Sources:
Non-Taxable Income
$- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-
Total Gross Income (excludes capital gains)
$- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-
4 5 6 7 8
9 10 11 12 13
14 15 16 17 18
19 20
Various Expenses Aggregated by Category
Date Total Expenses
Taxes Loans
1/1/2012 $- $- $- $- $- 1/1/2013 $- $- $- $- $- 1/1/2014 $- $- $- $- $- 1/1/2015 $- $- $- $- $- 1/1/2016 $- $- $- $- $- 1/1/2017 $- $- $- $- $- 1/1/2018 $- $- $- $- $- 1/1/2019 $- $- $- $- $- 1/1/2020 $- $- $- $- $- 1/1/2021 $- $- $- $- $- 1/1/2022 $- $- $- $- $- 1/1/2023 $- $- $- $- $- 1/1/2024 $- $- $- $- $- 1/1/2025 $- $- $- $- $- 1/1/2026 $- $- $- $- $- 1/1/2027 $- $- $- $- $- 1/1/2028 $- $- $- $- $- 1/1/2029 $- $- $- $- $- 1/1/2030 $- $- $- $- $- 1/1/2031 $- $- $- $- $- 1/1/2032 $- $- $- $- $- 1/1/2033 $- $- $- $- $- 1/1/2034 $- $- $- $- $- 1/1/2035 $- $- $- $- $- 1/1/2036 $- $- $- $- $- 1/1/2037 $- $- $- $- $- 1/1/2038 $- $- $- $- $- 1/1/2039 $- $- $- $- $- 1/1/2040 $- $- $- $- $- 1/1/2041 $- $- $- $- $- 1/1/2042 $- $- $- $- $- 1/1/2043 $- $- $- $- $- 1/1/2044 $- $- $- $- $- 1/1/2045 $- $- $- $- $- 1/1/2046 $- $- $- $- $- 1/1/2047 $- $- $- $- $- 1/1/2048 $- $- $- $- $- 1/1/2049 $- $- $- $- $- 1/1/2050 $- $- $- $- $- 1/1/2051 $- $- $- $- $- 1/1/2052 $- $- $- $- $- 1/1/2053 $- $- $- $- $- 1/1/2054 $- $- $- $- $- 1/1/2055 $- $- $- $- $- 1/1/2056 $- $- $- $- $- 1/1/2057 $- $- $- $- $-
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Charitable Contributions
Medical Expenses
1/1/2058 $- $- $- $- $- 1/1/2059 $- $- $- $- $- 1/1/2060 $- $- $- $- $- 1/1/2061 $- $- $- $- $- 1/1/2062 $- $- $- $- $- 1/1/2063 $- $- $- $- $- 1/1/2064 $- $- $- $- $- 1/1/2065 $- $- $- $- $- 1/1/2066 $- $- $- $- $- 1/1/2067 $- $- $- $- $- 1/1/2068 $- $- $- $- $- 1/1/2069 $- $- $- $- $- 1/1/2070 $- $- $- $- $- 1/1/2071 $- $- $- $- $- 1/1/2072 $- $- $- $- $- 1/1/2073 $- $- $- $- $- 1/1/2074 $- $- $- $- $- 1/1/2075 $- $- $- $- $- 1/1/2076 $- $- $- $- $- 1/1/2077 $- $- $- $- $- 1/1/2078 $- $- $- $- $- 1/1/2079 $- $- $- $- $- 1/1/2080 $- $- $- $- $- 1/1/2081 $- $- $- $- $- 1/1/2082 $- $- $- $- $- 1/1/2083 $- $- $- $- $- 1/1/2084 $- $- $- $- $- 1/1/2085 $- $- $- $- $- 1/1/2086 $- $- $- $- $- 1/1/2087 $- $- $- $- $- 1/1/2088 $- $- $- $- $- 1/1/2089 $- $- $- $- $- 1/1/2090 $- $- $- $- $- 1/1/2091 $- $- $- $- $- 1/1/2092 $- $- $- $- $- 1/1/2093 $- $- $- $- $- 1/1/2094 $- $- $- $- $- 1/1/2095 $- $- $- $- $- 1/1/2096 $- $- $- $- $- 1/1/2097 $- $- $- $- $- 1/1/2098 $- $- $- $- $- 1/1/2099 $- $- $- $- $- 1/1/2100 $- $- $- $- $- 1/1/2101 $- $- $- $- $-
1 2 3 4 5
Individual Expenses:
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 42 43 44 45
46 47 48 49 50 #N/A
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Date Year
1/1/2012 2012 - - - - - 1/1/2013 2013 - - - - - 1/1/2014 2014 - - - - - 1/1/2015 2015 - - - - - 1/1/2016 2016 - - - - - 1/1/2017 2017 - - - - - 1/1/2018 2018 - - - - - 1/1/2019 2019 - - - - - 1/1/2020 2020 - - - - - 1/1/2021 2021 - - - - - 1/1/2022 2022 - - - - - 1/1/2023 2023 - - - - - 1/1/2024 2024 - - - - - 1/1/2025 2025 - - - - - 1/1/2026 2026 - - - - - 1/1/2027 2027 - - - - - 1/1/2028 2028 - - - - - 1/1/2029 2029 - - - - - 1/1/2030 2030 - - - - - 1/1/2031 2031 - - - - - 1/1/2032 2032 - - - - - 1/1/2033 2033 - - - - - 1/1/2034 2034 - - - - - 1/1/2035 2035 - - - - - 1/1/2036 2036 - - - - - 1/1/2037 2037 - - - - - 1/1/2038 2038 - - - - - 1/1/2039 2039 - - - - - 1/1/2040 2040 - - - - - 1/1/2041 2041 - - - - - 1/1/2042 2042 - - - - - 1/1/2043 2043 - - - - - 1/1/2044 2044 - - - - - 1/1/2045 2045 - - - - - 1/1/2046 2046 - - - - - 1/1/2047 2047 - - - - - 1/1/2048 2048 - - - - - 1/1/2049 2049 - - - - - 1/1/2050 2050 - - - - - 1/1/2051 2051 - - - - - 1/1/2052 2052 - - - - - 1/1/2053 2053 - - - - - 1/1/2054 2054 - - - - - 1/1/2055 2055 - - - - -
Investments Beginning Balance
Investments Ending Balance
Deductible Investments Made
During the Year
Non Deductible Investments Made
During the Year
My Total Investments Made
During the Year
1/1/2056 2056 - - - - - 1/1/2057 2057 - - - - - 1/1/2058 2058 - - - - - 1/1/2059 2059 - - - - - 1/1/2060 2060 - - - - - 1/1/2061 2061 - - - - - 1/1/2062 2062 - - - - - 1/1/2063 2063 - - - - - 1/1/2064 2064 - - - - - 1/1/2065 2065 - - - - - 1/1/2066 2066 - - - - - 1/1/2067 2067 - - - - - 1/1/2068 2068 - - - - - 1/1/2069 2069 - - - - - 1/1/2070 2070 - - - - - 1/1/2071 2071 - - - - - 1/1/2072 2072 - - - - - 1/1/2073 2073 - - - - - 1/1/2074 2074 - - - - - 1/1/2075 2075 - - - - - 1/1/2076 2076 - - - - - 1/1/2077 2077 - - - - - 1/1/2078 2078 - - - - - 1/1/2079 2079 - - - - - 1/1/2080 2080 - - - - - 1/1/2081 2081 - - - - - 1/1/2082 2082 - - - - - 1/1/2083 2083 - - - - - 1/1/2084 2084 - - - - - 1/1/2085 2085 - - - - - 1/1/2086 2086 - - - - - 1/1/2087 2087 - - - - - 1/1/2088 2088 - - - - - 1/1/2089 2089 - - - - - 1/1/2090 2090 - - - - - 1/1/2091 2091 - - - - - 1/1/2092 2092 - - - - - 1/1/2093 2093 - - - - - 1/1/2094 2094 - - - - - 1/1/2095 2095 - - - - - 1/1/2096 2096 - - - - - 1/1/2097 2097 - - - - - 1/1/2098 2098 - - - - - 1/1/2099 2099 - - - - - 1/1/2100 2100 - - - - - 1/1/2101 2101 - - - - -
1
Total Withdrawals
Beginning Balance
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Regular Income Withdrawals Made
During the Year
Capital Gains Investment
Withdrawals Made During the Year
Realized Capital Gains (Losses)
Total Approximate Interest Earned
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
1 1 1 1 1 1 Investments Investments Investments Withdrawals Withdrawals
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
My First Time Investment
My First Time Employer Matched Investment
My Scheduled Investments Made During the Year
Matched Investments Made During the Year
Additional Investments Made During the Year
Scheduled Withdrawals
Additional Withdrawals
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
1 1 1 1 1 2 2Realized Investments
Ending Balance Beginning Balance
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Approximate Interest Earned
Expected Capital Gains
Unrealized Capital Gains (Losses)
Realized Capital Gains (Losses)
My First Time Investment
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
2 2 2 2 2 2 2 Investments Investments Withdrawals Withdrawals
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
My First Time Employer Matched Investment
My Scheduled Investments Made During the Year
Matched Investments Made During the Year
Additional Investments Made During the Year
Scheduled Withdrawals
Additional Withdrawals
Approximate Interest Earned
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
2 2 2 2 3 3Realized Investments
Ending Balance Beginning Balance
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Expected Capital Gains
Unrealized Capital Gains (Losses)
Realized Capital Gains (Losses)
My First Time Investment
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
3 3 3 3 3 3 3 Investments Investments Withdrawals Withdrawals
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
My First Time Employer Matched Investment
My Scheduled Investments Made During the Year
Matched Investments Made During the Year
Additional Investments Made During the Year
Scheduled Withdrawals
Additional Withdrawals
Approximate Interest Earned
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
3 3 3 3 4 4Realized Investments
Ending Balance Beginning Balance
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Expected Capital Gains
Unrealized Capital Gains (Losses)
Realized Capital Gains (Losses)
My First Time Investment
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
4 4 4 4 4 4 4 Investments Investments Withdrawals Withdrawals
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
My First Time Employer Matched Investment
My Scheduled Investments Made During the Year
Matched Investments Made During the Year
Additional Investments Made During the Year
Scheduled Withdrawals
Additional Withdrawals
Approximate Interest Earned
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
4 4 4 4 5 5Realized Investments
Ending Balance Beginning Balance
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Expected Capital Gains
Unrealized Capital Gains (Losses)
Realized Capital Gains (Losses)
My First Time Investment
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
5 5 5 5 5 5 5 Investments Investments Withdrawals Withdrawals
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
My First Time Employer Matched Investment
My Scheduled Investments Made During the Year
Matched Investments Made During the Year
Additional Investments Made During the Year
Scheduled Withdrawals
Additional Withdrawals
Approximate Interest Earned
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
5 5 5 5 6 6Realized Investments
Ending Balance Beginning Balance
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Expected Capital Gains
Unrealized Capital Gains (Losses)
Realized Capital Gains (Losses)
My First Time Investment
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
6 6 6 6 6 6 6 Investments Investments Withdrawals Withdrawals
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
My First Time Employer Matched Investment
My Scheduled Investments Made During the Year
Matched Investments Made During the Year
Additional Investments Made During the Year
Scheduled Withdrawals
Additional Withdrawals
Approximate Interest Earned
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
6 6 6 6 7 7Realized Investments
Ending Balance Beginning Balance
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Expected Capital Gains
Unrealized Capital Gains (Losses)
Realized Capital Gains (Losses)
My First Time Investment
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
7 7 7 7 7 7 7 Investments Investments Withdrawals Withdrawals
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
My First Time Employer Matched Investment
My Scheduled Investments Made During the Year
Matched Investments Made During the Year
Additional Investments Made During the Year
Scheduled Withdrawals
Additional Withdrawals
Approximate Interest Earned
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
7 7 7 7 8 8Realized Investments
Ending Balance Beginning Balance
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Expected Capital Gains
Unrealized Capital Gains (Losses)
Realized Capital Gains (Losses)
My First Time Investment
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
8 8 8 8 8 8 8 Investments Investments Withdrawals Withdrawals
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
My First Time Employer Matched Investment
My Scheduled Investments Made During the Year
Matched Investments Made During the Year
Additional Investments Made During the Year
Scheduled Withdrawals
Additional Withdrawals
Approximate Interest Earned
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
8 8 8 8 9 9Realized Investments
Ending Balance Beginning Balance
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Expected Capital Gains
Unrealized Capital Gains (Losses)
Realized Capital Gains (Losses)
My First Time Investment
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
9 9 9 9 9 9 9 Investments Investments Withdrawals Withdrawals
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
My First Time Employer Matched Investment
My Scheduled Investments Made During the Year
Matched Investments Made During the Year
Additional Investments Made During the Year
Scheduled Withdrawals
Additional Withdrawals
Approximate Interest Earned
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
9 9 9 9 10 10Realized Investments
Ending Balance Beginning Balance
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Expected Capital Gains
Unrealized Capital Gains (Losses)
Realized Capital Gains (Losses)
My First Time Investment
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10 10 10 10 10 10 10 Investments Investments Withdrawals Withdrawals
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My First Time Employer Matched Investment
My Scheduled Investments Made During the Year
Matched Investments Made During the Year
Additional Investments Made During the Year
Scheduled Withdrawals
Additional Withdrawals
Approximate Interest Earned
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10 10 10 10Realized
Ending Balance
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Expected Capital Gains
Unrealized Capital Gains (Losses)
Realized Capital Gains (Losses)
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1 2 3 4 5
Individual Loan Balances:Year Total Loan Balances
1/1/2012 $- 1/1/2013 $- 1/1/2014 $- 1/1/2015 $- 1/1/2016 $- 1/1/2017 $- 1/1/2018 $- 1/1/2019 $- 1/1/2020 $- 1/1/2021 $- 1/1/2022 $- 1/1/2023 $- 1/1/2024 $- 1/1/2025 $- 1/1/2026 $- 1/1/2027 $- 1/1/2028 $- 1/1/2029 $- 1/1/2030 $- 1/1/2031 $- 1/1/2032 $- 1/1/2033 $- 1/1/2034 $- 1/1/2035 $- 1/1/2036 $- 1/1/2037 $- 1/1/2038 $- 1/1/2039 $- 1/1/2040 $- 1/1/2041 $- 1/1/2042 $- 1/1/2043 $- 1/1/2044 $- 1/1/2045 $- 1/1/2046 $- 1/1/2047 $- 1/1/2048 $- 1/1/2049 $- 1/1/2050 $- 1/1/2051 $- 1/1/2052 $- 1/1/2053 $- 1/1/2054 $- 1/1/2055 $- 1/1/2056 $- 1/1/2057 $- 1/1/2058 $- 1/1/2059 $- 1/1/2060 $-
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1/1/2061 $- 1/1/2062 $- 1/1/2063 $- 1/1/2064 $- 1/1/2065 $- 1/1/2066 $- 1/1/2067 $- 1/1/2068 $- 1/1/2069 $- 1/1/2070 $- 1/1/2071 $- 1/1/2072 $- 1/1/2073 $- 1/1/2074 $- 1/1/2075 $- 1/1/2076 $- 1/1/2077 $- 1/1/2078 $- 1/1/2079 $- 1/1/2080 $- 1/1/2081 $- 1/1/2082 $- 1/1/2083 $- 1/1/2084 $- 1/1/2085 $- 1/1/2086 $- 1/1/2087 $- 1/1/2088 $- 1/1/2089 $- 1/1/2090 $- 1/1/2091 $- 1/1/2092 $- 1/1/2093 $- 1/1/2094 $- 1/1/2095 $- 1/1/2096 $- 1/1/2097 $- 1/1/2098 $- 1/1/2099 $- 1/1/2100 $- 1/1/2101 $-
6 7 8 9 10 11 12 13 14 15 16
17 18 19 20
Aggregated by Category
Year Total Loan Payment Student Loans Mortgage Home Equity Other1/1/2012 $0 $0 $0 $0 $01/1/2013 $0 $0 $0 $0 $01/1/2014 $0 $0 $0 $0 $01/1/2015 $0 $0 $0 $0 $01/1/2016 $0 $0 $0 $0 $01/1/2017 $0 $0 $0 $0 $01/1/2018 $0 $0 $0 $0 $01/1/2019 $0 $0 $0 $0 $01/1/2020 $0 $0 $0 $0 $01/1/2021 $0 $0 $0 $0 $01/1/2022 $0 $0 $0 $0 $01/1/2023 $0 $0 $0 $0 $01/1/2024 $0 $0 $0 $0 $01/1/2025 $0 $0 $0 $0 $01/1/2026 $0 $0 $0 $0 $01/1/2027 $0 $0 $0 $0 $01/1/2028 $0 $0 $0 $0 $01/1/2029 $0 $0 $0 $0 $01/1/2030 $0 $0 $0 $0 $01/1/2031 $0 $0 $0 $0 $01/1/2032 $0 $0 $0 $0 $01/1/2033 $0 $0 $0 $0 $01/1/2034 $0 $0 $0 $0 $01/1/2035 $0 $0 $0 $0 $01/1/2036 $0 $0 $0 $0 $01/1/2037 $0 $0 $0 $0 $01/1/2038 $0 $0 $0 $0 $01/1/2039 $0 $0 $0 $0 $01/1/2040 $0 $0 $0 $0 $01/1/2041 $0 $0 $0 $0 $01/1/2042 $0 $0 $0 $0 $01/1/2043 $0 $0 $0 $0 $01/1/2044 $0 $0 $0 $0 $01/1/2045 $0 $0 $0 $0 $01/1/2046 $0 $0 $0 $0 $01/1/2047 $0 $0 $0 $0 $01/1/2048 $0 $0 $0 $0 $01/1/2049 $0 $0 $0 $0 $01/1/2050 $0 $0 $0 $0 $01/1/2051 $0 $0 $0 $0 $01/1/2052 $0 $0 $0 $0 $01/1/2053 $0 $0 $0 $0 $01/1/2054 $0 $0 $0 $0 $01/1/2055 $0 $0 $0 $0 $01/1/2056 $0 $0 $0 $0 $01/1/2057 $0 $0 $0 $0 $01/1/2058 $0 $0 $0 $0 $01/1/2059 $0 $0 $0 $0 $0
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1/1/2060 $0 $0 $0 $0 $01/1/2061 $0 $0 $0 $0 $01/1/2062 $0 $0 $0 $0 $01/1/2063 $0 $0 $0 $0 $01/1/2064 $0 $0 $0 $0 $01/1/2065 $0 $0 $0 $0 $01/1/2066 $0 $0 $0 $0 $01/1/2067 $0 $0 $0 $0 $01/1/2068 $0 $0 $0 $0 $01/1/2069 $0 $0 $0 $0 $01/1/2070 $0 $0 $0 $0 $01/1/2071 $0 $0 $0 $0 $01/1/2072 $0 $0 $0 $0 $01/1/2073 $0 $0 $0 $0 $01/1/2074 $0 $0 $0 $0 $01/1/2075 $0 $0 $0 $0 $01/1/2076 $0 $0 $0 $0 $01/1/2077 $0 $0 $0 $0 $01/1/2078 $0 $0 $0 $0 $01/1/2079 $0 $0 $0 $0 $01/1/2080 $0 $0 $0 $0 $01/1/2081 $0 $0 $0 $0 $01/1/2082 $0 $0 $0 $0 $01/1/2083 $0 $0 $0 $0 $01/1/2084 $0 $0 $0 $0 $01/1/2085 $0 $0 $0 $0 $01/1/2086 $0 $0 $0 $0 $01/1/2087 $0 $0 $0 $0 $01/1/2088 $0 $0 $0 $0 $01/1/2089 $0 $0 $0 $0 $01/1/2090 $0 $0 $0 $0 $01/1/2091 $0 $0 $0 $0 $01/1/2092 $0 $0 $0 $0 $01/1/2093 $0 $0 $0 $0 $01/1/2094 $0 $0 $0 $0 $01/1/2095 $0 $0 $0 $0 $01/1/2096 $0 $0 $0 $0 $01/1/2097 $0 $0 $0 $0 $01/1/2098 $0 $0 $0 $0 $01/1/2099 $0 $0 $0 $0 $01/1/2100 $0 $0 $0 $0 $01/1/2101 $0 $0 $0 $0 $0
1 2 3 4 5
Individual Loan Payments:
6 7 8 9 10
11 12 13 14 15 16 17 18 19 20
Interest Payments by TypeYear Total Interest Payments Student Loan Interest Mortgage Interest Home Equity Interest
1/1/2012 $- $- $- $- 1/1/2013 $- $- $- $- 1/1/2014 $- $- $- $- 1/1/2015 $- $- $- $- 1/1/2016 $- $- $- $- 1/1/2017 $- $- $- $- 1/1/2018 $- $- $- $- 1/1/2019 $- $- $- $- 1/1/2020 $- $- $- $- 1/1/2021 $- $- $- $- 1/1/2022 $- $- $- $- 1/1/2023 $- $- $- $- 1/1/2024 $- $- $- $- 1/1/2025 $- $- $- $- 1/1/2026 $- $- $- $- 1/1/2027 $- $- $- $- 1/1/2028 $- $- $- $- 1/1/2029 $- $- $- $- 1/1/2030 $- $- $- $- 1/1/2031 $- $- $- $- 1/1/2032 $- $- $- $- 1/1/2033 $- $- $- $- 1/1/2034 $- $- $- $- 1/1/2035 $- $- $- $- 1/1/2036 $- $- $- $- 1/1/2037 $- $- $- $- 1/1/2038 $- $- $- $- 1/1/2039 $- $- $- $- 1/1/2040 $- $- $- $- 1/1/2041 $- $- $- $- 1/1/2042 $- $- $- $- 1/1/2043 $- $- $- $- 1/1/2044 $- $- $- $- 1/1/2045 $- $- $- $- 1/1/2046 $- $- $- $- 1/1/2047 $- $- $- $- 1/1/2048 $- $- $- $- 1/1/2049 $- $- $- $- 1/1/2050 $- $- $- $- 1/1/2051 $- $- $- $- 1/1/2052 $- $- $- $- 1/1/2053 $- $- $- $- 1/1/2054 $- $- $- $- 1/1/2055 $- $- $- $- 1/1/2056 $- $- $- $-
1/1/2057 $- $- $- $- 1/1/2058 $- $- $- $- 1/1/2059 $- $- $- $- 1/1/2060 $- $- $- $- 1/1/2061 $- $- $- $- 1/1/2062 $- $- $- $- 1/1/2063 $- $- $- $- 1/1/2064 $- $- $- $- 1/1/2065 $- $- $- $- 1/1/2066 $- $- $- $- 1/1/2067 $- $- $- $- 1/1/2068 $- $- $- $- 1/1/2069 $- $- $- $- 1/1/2070 $- $- $- $- 1/1/2071 $- $- $- $- 1/1/2072 $- $- $- $- 1/1/2073 $- $- $- $- 1/1/2074 $- $- $- $- 1/1/2075 $- $- $- $- 1/1/2076 $- $- $- $- 1/1/2077 $- $- $- $- 1/1/2078 $- $- $- $- 1/1/2079 $- $- $- $- 1/1/2080 $- $- $- $- 1/1/2081 $- $- $- $- 1/1/2082 $- $- $- $- 1/1/2083 $- $- $- $- 1/1/2084 $- $- $- $- 1/1/2085 $- $- $- $- 1/1/2086 $- $- $- $- 1/1/2087 $- $- $- $- 1/1/2088 $- $- $- $- 1/1/2089 $- $- $- $- 1/1/2090 $- $- $- $- 1/1/2091 $- $- $- $- 1/1/2092 $- $- $- $- 1/1/2093 $- $- $- $- 1/1/2094 $- $- $- $- 1/1/2095 $- $- $- $- 1/1/2096 $- $- $- $- 1/1/2097 $- $- $- $- 1/1/2098 $- $- $- $- 1/1/2099 $- $- $- $- 1/1/2100 $- $- $- $- 1/1/2101 $- $- $- $-
1 2 3 4 5 6Interest Payments by Type Interest Payments by Loan:
Other $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-
$- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $- $-
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14 15 16 17 18 19 20
Federal Income Tax Calculations
Year Gross Taxable Income Adjustments AGI Deductions
1/1/2012 $0 $0 $0 $9,5001/1/2013 $0 $0 $0 $9,5001/1/2014 $0 $0 $0 $9,5001/1/2015 $0 $0 $0 $9,5001/1/2016 $0 $0 $0 $9,5001/1/2017 $0 $0 $0 $9,5001/1/2018 $0 $0 $0 $9,5001/1/2019 $0 $0 $0 $9,5001/1/2020 $0 $0 $0 $9,5001/1/2021 $0 $0 $0 $9,5001/1/2022 $0 $0 $0 $9,5001/1/2023 $0 $0 $0 $9,5001/1/2024 $0 $0 $0 $9,5001/1/2025 $0 $0 $0 $9,5001/1/2026 $0 $0 $0 $9,5001/1/2027 $0 $0 $0 $9,5001/1/2028 $0 $0 $0 $9,5001/1/2029 $0 $0 $0 $9,5001/1/2030 $0 $0 $0 $9,5001/1/2031 $0 $0 $0 $9,5001/1/2032 $0 $0 $0 $9,5001/1/2033 $0 $0 $0 $9,5001/1/2034 $0 $0 $0 $9,5001/1/2035 $0 $0 $0 $9,5001/1/2036 $0 $0 $0 $9,5001/1/2037 $0 $0 $0 $9,5001/1/2038 $0 $0 $0 $9,5001/1/2039 $0 $0 $0 $9,5001/1/2040 $0 $0 $0 $9,5001/1/2041 $0 $0 $0 $9,5001/1/2042 $0 $0 $0 $9,5001/1/2043 $0 $0 $0 $9,5001/1/2044 $0 $0 $0 $9,5001/1/2045 $0 $0 $0 $9,5001/1/2046 $0 $0 $0 $9,5001/1/2047 $0 $0 $0 $9,5001/1/2048 $0 $0 $0 $9,5001/1/2049 $0 $0 $0 $9,5001/1/2050 $0 $0 $0 $9,5001/1/2051 $0 $0 $0 $9,5001/1/2052 $0 $0 $0 $9,5001/1/2053 $0 $0 $0 $9,5001/1/2054 $0 $0 $0 $9,5001/1/2055 $0 $0 $0 $9,5001/1/2056 $0 $0 $0 $9,5001/1/2057 $0 $0 $0 $9,5001/1/2058 $0 $0 $0 $9,5001/1/2059 $0 $0 $0 $9,5001/1/2060 $0 $0 $0 $9,500
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1/1/2061 $0 $0 $0 $9,5001/1/2062 $0 $0 $0 $9,5001/1/2063 $0 $0 $0 $9,5001/1/2064 $0 $0 $0 $9,5001/1/2065 $0 $0 $0 $9,5001/1/2066 $0 $0 $0 $9,5001/1/2067 $0 $0 $0 $9,5001/1/2068 $0 $0 $0 $9,5001/1/2069 $0 $0 $0 $9,5001/1/2070 $0 $0 $0 $9,5001/1/2071 $0 $0 $0 $9,5001/1/2072 $0 $0 $0 $9,5001/1/2073 $0 $0 $0 $9,5001/1/2074 $0 $0 $0 $9,5001/1/2075 $0 $0 $0 $9,5001/1/2076 $0 $0 $0 $9,5001/1/2077 $0 $0 $0 $9,5001/1/2078 $0 $0 $0 $9,5001/1/2079 $0 $0 $0 $9,5001/1/2080 $0 $0 $0 $9,5001/1/2081 $0 $0 $0 $9,5001/1/2082 $0 $0 $0 $9,5001/1/2083 $0 $0 $0 $9,5001/1/2084 $0 $0 $0 $9,5001/1/2085 $0 $0 $0 $9,5001/1/2086 $0 $0 $0 $9,5001/1/2087 $0 $0 $0 $9,5001/1/2088 $0 $0 $0 $9,5001/1/2089 $0 $0 $0 $9,5001/1/2090 $0 $0 $0 $9,5001/1/2091 $0 $0 $0 $9,5001/1/2092 $0 $0 $0 $9,5001/1/2093 $0 $0 $0 $9,5001/1/2094 $0 $0 $0 $9,5001/1/2095 $0 $0 $0 $9,5001/1/2096 $0 $0 $0 $9,5001/1/2097 $0 $0 $0 $9,5001/1/2098 $0 $0 $0 $9,5001/1/2099 $0 $0 $0 $9,5001/1/2100 $0 $0 $0 $9,5001/1/2101 $0 $0 $0 $9,500
Federal Income Tax Calculations Additional Taxes
Taxable Income Taxes Owed Credits Income Taxes Payroll Taxes
-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0
-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0-$9,500 $0 $0 $0
Additional Taxes Single Tax Rate Table
Capital Gains Taxes Total Taxes Rate Start End Rate*End Cumulative
$0 $0 0.1 $- $8,500 $850 $850 $0 $0 0.15 $8,500 $34,500 $3,900 $4,750 $0 $0 0.25 $34,500 $83,600 $12,275 $17,025 $0 $0 0.28 $83,600 $174,400 $25,424 $42,449 $0 $0 0.33 $174,400 $379,150 $67,568 $110,017 $0 $0 0.35 $379,150 $0 $0$0 $0$0 $0 Married Filing Jointly Tax Rate Table$0 $0 Rate Start End Rate*End Cumulative$0 $0 0.1 $- $17,000 $1,700 $1,700 $0 $0 0.15 $17,000 $69,000 $7,800 $9,500 $0 $0 0.25 $69,000 $139,350 $17,588 $27,088 $0 $0 0.28 $139,350 $212,300 $20,426 $47,514 $0 $0 0.33 $212,300 $379,150 $55,061 $102,574 $0 $0 0.35 $379,150 $0 $0$0 $0$0 $0 Married Filing Separately Tax Rate Table$0 $0 Rate Start End Rate*End Cumulative$0 $0 0.1 $- $8,500 $850 $850 $0 $0 0.15 $8,500 $34,500 $3,900 $4,750 $0 $0 0.25 $34,500 $69,675 $8,794 $13,544 $0 $0 0.28 $69,675 $106,675 $10,360 $23,904 $0 $0 0.33 $106,675 $189,575 $27,357 $51,261 $0 $0 0.35 $189,575 $0 $0$0 $0$0 $0 Head of Household Tax Rate Table$0 $0 Rate Start End Rate*End Cumulative$0 $0 0.1 $- $12,150 $1,215 $1,215 $0 $0 0.15 $12,150 $46,250 $5,115 $6,330 $0 $0 0.25 $46,250 $119,400 $18,288 $24,618 $0 $0 0.28 $119,400 $193,350 $20,706 $45,324 $0 $0 0.33 $193,350 $379,150 $61,314 $106,638 $0 $0 0.35 $379,150 $0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0
$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0$0 $0
Year Exemptions Status Low Cap. Gains by Year High Cap. Gains by Year1/1/2012 1 Single 0 0.151/1/2013 1 Single 0 0.151/1/2014 1 Single 0.1 0.21/1/2015 1 Single 0.1 0.21/1/2016 1 Single 0.1 0.21/1/2017 1 Single 0.1 0.21/1/2018 1 Single 0.1 0.21/1/2019 1 Single 0.1 0.21/1/2020 1 Single 0.1 0.21/1/2021 1 Single 0.1 0.21/1/2022 1 Single 0.1 0.21/1/2023 1 Single 0.1 0.21/1/2024 1 Single 0.1 0.21/1/2025 1 Single 0.1 0.21/1/2026 1 Single 0.1 0.21/1/2027 1 Single 0.1 0.21/1/2028 1 Single 0.1 0.21/1/2029 1 Single 0.1 0.21/1/2030 1 Single 0.1 0.21/1/2031 1 Single 0.1 0.21/1/2032 1 Single 0.1 0.21/1/2033 1 Single 0.1 0.21/1/2034 1 Single 0.1 0.21/1/2035 1 Single 0.1 0.21/1/2036 1 Single 0.1 0.21/1/2037 1 Single 0.1 0.21/1/2038 1 Single 0.1 0.21/1/2039 1 Single 0.1 0.21/1/2040 1 Single 0.1 0.21/1/2041 1 Single 0.1 0.21/1/2042 1 Single 0.1 0.21/1/2043 1 Single 0.1 0.21/1/2044 1 Single 0.1 0.21/1/2045 1 Single 0.1 0.21/1/2046 1 Single 0.1 0.21/1/2047 1 Single 0.1 0.21/1/2048 1 Single 0.1 0.21/1/2049 1 Single 0.1 0.21/1/2050 1 Single 0.1 0.21/1/2051 1 Single 0.1 0.21/1/2052 1 Single 0.1 0.21/1/2053 1 Single 0.1 0.21/1/2054 1 Single 0.1 0.21/1/2055 1 Single 0.1 0.21/1/2056 1 Single 0.1 0.21/1/2057 1 Single 0.1 0.21/1/2058 1 Single 0.1 0.21/1/2059 1 Single 0.1 0.21/1/2060 1 Single 0.1 0.21/1/2061 1 Single 0.1 0.21/1/2062 1 Single 0.1 0.21/1/2063 1 Single 0.1 0.2
1/1/2064 1 Single 0.1 0.21/1/2065 1 Single 0.1 0.21/1/2066 1 Single 0.1 0.21/1/2067 1 Single 0.1 0.21/1/2068 1 Single 0.1 0.21/1/2069 1 Single 0.1 0.21/1/2070 1 Single 0.1 0.21/1/2071 1 Single 0.1 0.21/1/2072 1 Single 0.1 0.21/1/2073 1 Single 0.1 0.21/1/2074 1 Single 0.1 0.21/1/2075 1 Single 0.1 0.21/1/2076 1 Single 0.1 0.21/1/2077 1 Single 0.1 0.21/1/2078 1 Single 0.1 0.21/1/2079 1 Single 0.1 0.21/1/2080 1 Single 0.1 0.21/1/2081 1 Single 0.1 0.21/1/2082 1 Single 0.1 0.21/1/2083 1 Single 0.1 0.21/1/2084 1 Single 0.1 0.21/1/2085 1 Single 0.1 0.21/1/2086 1 Single 0.1 0.21/1/2087 1 Single 0.1 0.21/1/2088 1 Single 0.1 0.21/1/2089 1 Single 0.1 0.21/1/2090 1 Single 0.1 0.21/1/2091 1 Single 0.1 0.21/1/2092 1 Single 0.1 0.21/1/2093 1 Single 0.1 0.21/1/2094 1 Single 0.1 0.21/1/2095 1 Single 0.1 0.21/1/2096 1 Single 0.1 0.21/1/2097 1 Single 0.1 0.21/1/2098 1 Single 0.1 0.21/1/2099 1 Single 0.1 0.21/1/2100 1 Single 0.1 0.21/1/2101 1 Single 0.1 0.2
Effective Cap. Gains Below above Cap. Gains Threshold Cap Gains Threshold Married During the Year Children0 Below $34,501 - 00 Below $34,501 - 0
0.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 0
0.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 00.1 Below $34,501 - 0
Tax Year Estimated Status Tax Status Override2012 Single2013 Single2014 Single2015 Single2016 Single2017 Single2018 Single2019 Single2020 Single2021 Single2022 Single2023 Single2024 Single2025 Single2026 Single2027 Single2028 Single2029 Single2030 Single2031 Single2032 Single2033 Single2034 Single2035 Single2036 Single2037 Single2038 Single2039 Single2040 Single2041 Single2042 Single2043 Single2044 Single2045 Single2046 Single2047 Single2048 Single2049 Single2050 Single2051 Single2052 Single2053 Single2054 Single2055 Single2056 Single2057 Single2058 Single2059 Single2060 Single2061 Single2062 Single2063 Single
2064 Single2065 Single2066 Single2067 Single2068 Single2069 Single2070 Single2071 Single2072 Single2073 Single2074 Single2075 Single2076 Single2077 Single2078 Single2079 Single2080 Single2081 Single2082 Single2083 Single2084 Single2085 Single2086 Single2087 Single2088 Single2089 Single2090 Single2091 Single2092 Single2093 Single2094 Single2095 Single2096 Single2097 Single2098 Single2099 Single2100 Single2101 Single
Adjustments to Income
Year Gross Income Total AdjustmentsEducator Expenses
1/1/2012 $0 $0 $0 $01/1/2013 $0 $0 $0 $01/1/2014 $0 $0 $0 $01/1/2015 $0 $0 $0 $01/1/2016 $0 $0 $0 $01/1/2017 $0 $0 $0 $01/1/2018 $0 $0 $0 $01/1/2019 $0 $0 $0 $01/1/2020 $0 $0 $0 $01/1/2021 $0 $0 $0 $01/1/2022 $0 $0 $0 $01/1/2023 $0 $0 $0 $01/1/2024 $0 $0 $0 $01/1/2025 $0 $0 $0 $01/1/2026 $0 $0 $0 $01/1/2027 $0 $0 $0 $01/1/2028 $0 $0 $0 $01/1/2029 $0 $0 $0 $01/1/2030 $0 $0 $0 $01/1/2031 $0 $0 $0 $01/1/2032 $0 $0 $0 $01/1/2033 $0 $0 $0 $01/1/2034 $0 $0 $0 $01/1/2035 $0 $0 $0 $01/1/2036 $0 $0 $0 $01/1/2037 $0 $0 $0 $01/1/2038 $0 $0 $0 $01/1/2039 $0 $0 $0 $01/1/2040 $0 $0 $0 $01/1/2041 $0 $0 $0 $01/1/2042 $0 $0 $0 $01/1/2043 $0 $0 $0 $01/1/2044 $0 $0 $0 $01/1/2045 $0 $0 $0 $01/1/2046 $0 $0 $0 $01/1/2047 $0 $0 $0 $01/1/2048 $0 $0 $0 $01/1/2049 $0 $0 $0 $01/1/2050 $0 $0 $0 $01/1/2051 $0 $0 $0 $01/1/2052 $0 $0 $0 $01/1/2053 $0 $0 $0 $01/1/2054 $0 $0 $0 $01/1/2055 $0 $0 $0 $01/1/2056 $0 $0 $0 $01/1/2057 $0 $0 $0 $01/1/2058 $0 $0 $0 $01/1/2059 $0 $0 $0 $0
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Medical Insurance Premiums (employer
plan)
1/1/2060 $0 $0 $0 $01/1/2061 $0 $0 $0 $01/1/2062 $0 $0 $0 $01/1/2063 $0 $0 $0 $01/1/2064 $0 $0 $0 $01/1/2065 $0 $0 $0 $01/1/2066 $0 $0 $0 $01/1/2067 $0 $0 $0 $01/1/2068 $0 $0 $0 $01/1/2069 $0 $0 $0 $01/1/2070 $0 $0 $0 $01/1/2071 $0 $0 $0 $01/1/2072 $0 $0 $0 $01/1/2073 $0 $0 $0 $01/1/2074 $0 $0 $0 $01/1/2075 $0 $0 $0 $01/1/2076 $0 $0 $0 $01/1/2077 $0 $0 $0 $01/1/2078 $0 $0 $0 $01/1/2079 $0 $0 $0 $01/1/2080 $0 $0 $0 $01/1/2081 $0 $0 $0 $01/1/2082 $0 $0 $0 $01/1/2083 $0 $0 $0 $01/1/2084 $0 $0 $0 $01/1/2085 $0 $0 $0 $01/1/2086 $0 $0 $0 $01/1/2087 $0 $0 $0 $01/1/2088 $0 $0 $0 $01/1/2089 $0 $0 $0 $01/1/2090 $0 $0 $0 $01/1/2091 $0 $0 $0 $01/1/2092 $0 $0 $0 $01/1/2093 $0 $0 $0 $01/1/2094 $0 $0 $0 $01/1/2095 $0 $0 $0 $01/1/2096 $0 $0 $0 $01/1/2097 $0 $0 $0 $01/1/2098 $0 $0 $0 $01/1/2099 $0 $0 $0 $01/1/2100 $0 $0 $0 $01/1/2101 $0 $0 $0 $0
Adjustments to Income
HSA Deduction Moving Expenses
$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0
Deductible Investments (Includes anything marked
deductible in the 'Investments by Year' tab.
Certain Business Expenses
Deductible Portion (1/2) of Self
Employment Tax
$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0
Adjustments to Income Student Loan Interest Calculation
Alimony Paid Tuition and Fees MAGI
$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0
Self-Employed Health Insurance
Deduction
Deductible Portion of
Student Loan Interest
Student Loan Interest Paid
$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0$0 $0 $0 $0 $0 $0
Year AGI Total Deductions By Year Exemptions 1/1/2012 $0 $9,500 $3,700 $5,8001/1/2013 $0 $9,500 $3,700 $5,8001/1/2014 $0 $9,500 $3,700 $5,8001/1/2015 $0 $9,500 $3,700 $5,8001/1/2016 $0 $9,500 $3,700 $5,8001/1/2017 $0 $9,500 $3,700 $5,8001/1/2018 $0 $9,500 $3,700 $5,8001/1/2019 $0 $9,500 $3,700 $5,8001/1/2020 $0 $9,500 $3,700 $5,8001/1/2021 $0 $9,500 $3,700 $5,8001/1/2022 $0 $9,500 $3,700 $5,8001/1/2023 $0 $9,500 $3,700 $5,8001/1/2024 $0 $9,500 $3,700 $5,8001/1/2025 $0 $9,500 $3,700 $5,8001/1/2026 $0 $9,500 $3,700 $5,8001/1/2027 $0 $9,500 $3,700 $5,8001/1/2028 $0 $9,500 $3,700 $5,8001/1/2029 $0 $9,500 $3,700 $5,8001/1/2030 $0 $9,500 $3,700 $5,8001/1/2031 $0 $9,500 $3,700 $5,8001/1/2032 $0 $9,500 $3,700 $5,8001/1/2033 $0 $9,500 $3,700 $5,8001/1/2034 $0 $9,500 $3,700 $5,8001/1/2035 $0 $9,500 $3,700 $5,8001/1/2036 $0 $9,500 $3,700 $5,8001/1/2037 $0 $9,500 $3,700 $5,8001/1/2038 $0 $9,500 $3,700 $5,8001/1/2039 $0 $9,500 $3,700 $5,8001/1/2040 $0 $9,500 $3,700 $5,8001/1/2041 $0 $9,500 $3,700 $5,8001/1/2042 $0 $9,500 $3,700 $5,8001/1/2043 $0 $9,500 $3,700 $5,8001/1/2044 $0 $9,500 $3,700 $5,8001/1/2045 $0 $9,500 $3,700 $5,8001/1/2046 $0 $9,500 $3,700 $5,8001/1/2047 $0 $9,500 $3,700 $5,8001/1/2048 $0 $9,500 $3,700 $5,8001/1/2049 $0 $9,500 $3,700 $5,8001/1/2050 $0 $9,500 $3,700 $5,8001/1/2051 $0 $9,500 $3,700 $5,8001/1/2052 $0 $9,500 $3,700 $5,8001/1/2053 $0 $9,500 $3,700 $5,8001/1/2054 $0 $9,500 $3,700 $5,8001/1/2055 $0 $9,500 $3,700 $5,800
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Greater of Standard or Itemized
1/1/2056 $0 $9,500 $3,700 $5,8001/1/2057 $0 $9,500 $3,700 $5,8001/1/2058 $0 $9,500 $3,700 $5,8001/1/2059 $0 $9,500 $3,700 $5,8001/1/2060 $0 $9,500 $3,700 $5,8001/1/2061 $0 $9,500 $3,700 $5,8001/1/2062 $0 $9,500 $3,700 $5,8001/1/2063 $0 $9,500 $3,700 $5,8001/1/2064 $0 $9,500 $3,700 $5,8001/1/2065 $0 $9,500 $3,700 $5,8001/1/2066 $0 $9,500 $3,700 $5,8001/1/2067 $0 $9,500 $3,700 $5,8001/1/2068 $0 $9,500 $3,700 $5,8001/1/2069 $0 $9,500 $3,700 $5,8001/1/2070 $0 $9,500 $3,700 $5,8001/1/2071 $0 $9,500 $3,700 $5,8001/1/2072 $0 $9,500 $3,700 $5,8001/1/2073 $0 $9,500 $3,700 $5,8001/1/2074 $0 $9,500 $3,700 $5,8001/1/2075 $0 $9,500 $3,700 $5,8001/1/2076 $0 $9,500 $3,700 $5,8001/1/2077 $0 $9,500 $3,700 $5,8001/1/2078 $0 $9,500 $3,700 $5,8001/1/2079 $0 $9,500 $3,700 $5,8001/1/2080 $0 $9,500 $3,700 $5,8001/1/2081 $0 $9,500 $3,700 $5,8001/1/2082 $0 $9,500 $3,700 $5,8001/1/2083 $0 $9,500 $3,700 $5,8001/1/2084 $0 $9,500 $3,700 $5,8001/1/2085 $0 $9,500 $3,700 $5,8001/1/2086 $0 $9,500 $3,700 $5,8001/1/2087 $0 $9,500 $3,700 $5,8001/1/2088 $0 $9,500 $3,700 $5,8001/1/2089 $0 $9,500 $3,700 $5,8001/1/2090 $0 $9,500 $3,700 $5,8001/1/2091 $0 $9,500 $3,700 $5,8001/1/2092 $0 $9,500 $3,700 $5,8001/1/2093 $0 $9,500 $3,700 $5,8001/1/2094 $0 $9,500 $3,700 $5,8001/1/2095 $0 $9,500 $3,700 $5,8001/1/2096 $0 $9,500 $3,700 $5,8001/1/2097 $0 $9,500 $3,700 $5,8001/1/2098 $0 $9,500 $3,700 $5,8001/1/2099 $0 $9,500 $3,700 $5,8001/1/2100 $0 $9,500 $3,700 $5,8001/1/2101 $0 $9,500 $3,700 $5,800
Standard Deduction Giving Medical$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0
Mortgage Interest
Home Equity Interest
Deductible Taxes
Mortgage Insurance Premiums
Mortgage Points
$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0$5,800 $0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0
Investment Interest
Other Miscellaneous Expenses (reduced by 2% of AGI
Unreimbursed employee expenses
Tax preparation fees
Other Miscellaneous Deductible Expenses
$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0$0 $0 $0 $0 $0
Taxes:Tax Status
Tax Brackets
Exemptions
Tax Credits
Payroll Taxes
Capital Gains Taxes
Investments:Note about Investments:
Interest Earned
Capital Gains
Employer Matching
Expenses:Loan Payments
Loans:Mortgage/Home Equity
Back to Instructions
Your tax status is determined by the date you enter for your wedding (past or future). The spreadsheet assumes that you are filing jointly once you are married. If you want to change this go to the 'Tax Status by Year' tab and adjust each year manually in the 'Tax Status Override' column.
Currently, we are not adjusting for inflation with tax brackets. This helps provide conservative estimates of tax expenses (and is a lot easier). In the future, we will probably tie this to inflation.
Exemptions are calculated based on your dependents (children) and whether or not you are married. If you have dependents other than children, add them as children on the 'Starting Assumptions' tab.
Right now, you must enter in your own tax credits, including the child tax credits. This will be more automated in future editions.
Payroll taxes are calculated based on the income you list as 'Wages/Salary' on the List of Income tab. Currently we are not calculating payroll taxes at an individual level. So, if you are married and your spouse does not work, then the social security portion of your taxes is not phased out at the ~$100,000 level, but is phased out instead at twice that. This is also more conservative.
Capital Gains tax rates are listed on the 'Tax Status by Year' column. They are calculated on any investment that you sell that is taxed at the capital gains rate. You must enter the amount in the 'Investments by Year' tab. See the discussion of Capital Gains in the 'Investments' section below.
Most users should not enter too many investments, but instead allow the spreadsheet to automatically assume you are investing assets above a certain threshold at a given rate. If you do enter an investment on the 'List of Investments' tab, the investment amount will be deducted from your 'generic assets'.
The spreadsheet calculates interest based on the investments you make during the year, and the withdrawals. They are averaged, so it is not an exact calculation. Again, most users should simply allow the spreadsheet to calculate your asset growth using the built in assumption that you will earn interest on assets above a certain amount. The 'List of Investments' tab is most useful for IRAs and 401(k)s.
To have capital gains calculated, you must enter sales of individual investments on the 'Investments by Year' tab. For each investment, you must enter in the amount you sold of the investment as a distribution, and enter the actual amound of capital gains on that investment. There is a calculation that provides an estimate, but it is rough.
You must calculate the amount that your employer matching percentage computes to. For example, if you make $50,000 a year and your employer matches 50% of your contributions up to 6%, and you contribute 7%, you must enter '=50,000*.5*(.07-.06)' or 3% as the contribution amount. We are doing it this way right now because of the many different types of employer matching programs, and because it is simpler. Also, you should remember to inlcude your estimated raise as the amount that the payment should increase by each year.
Loan payments should not be inlcuded as expenses on the 'List of Expenses' tab. Instead, enter your loans on the 'List of Loans' tab, and based on the interest rate, principle, and repayment period, and frequency, your payment will be calculated automatically.
If you are entering a mortgage or home equity loan, make sure you only enter the portion that is deductible as a deductible expense ($1,000,000 for mortgage and $100,000 for home equity). If your mortage or loan is over this amount, enter the remaining amount as a non deductible loan.
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