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Subject:  Re: Sprinkle Me With Pixy Dust! Date:  8/18/2001  5:52 PM
Author:  cdr46 Number:  31483 of 90110

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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