Have you researched the calculators at these sites?http://www.dinkytown.net/http://www.investorguide.com/education.htmlhttp://www.suzeorman.com/index.htmlThere are hundreds of calculators on the webinput "financial calculators" at www.google.com and you will come up with 151,000 "hits" - some are good some are terrible!http://www.google.com/search?q=%22financial+calculators%22&sa=Google+Search&cat=&hl=%28null%29If 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.ExampleCol 1 would be "Years" or "Age"Col 2 Investment depositCol 3 Cumulative depositsCol 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 WithdrawalsCol 7 Marginal income tax rate applied to withdrawalsCol 8 Penalty applied to withdrawal - prior to age 59 & 1/2Col 9 Ending account valueYou 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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