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Have you researched the calculators at these sites?

There are hundreds of calculators on the web
input "financial calculators" at and you will come up with 151,000 "hits" - some are good some are terrible!

If you have Excel, Quattro, or Lotus 123 you can build your own spreadsheet. It's really not that difficult to build a spreadsheet model to your own specifications.

Col 1 would be "Years" or "Age"
Col 2 Investment deposit
Col 3 Cumulative deposits
Col 4 Hypothetical earnings expressed as a percentage
note: this way you can input "changing" values or do a what-if you matched the S&P Index on a year by year basis.
Col 5 Dollar earnings (col 3 x col 4)
Col 6 Withdrawals
Col 7 Marginal income tax rate applied to withdrawals
Col 8 Penalty applied to withdrawal - prior to age 59 & 1/2
Col 9 Ending account value

You can expand on this spreadsheet or make it more simple. The choice is yours. You can do it on a monthly basis or annual.
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