Excel Templates

1. 401(k) Savings Calculator
http://www.vertex42.com/Calculators/401k-savings-calculator.html © 2008 Vertex42 LLC
401(k) Plan Assumptions Summary of Results
Current Age 35 Years to Invest 30
Age at Retirement 65
Balance and Salary Future Value
Current 401(k) Balance $- Estimated Value After 30 Years $675,139
Annual Salary $50,000 Ending Salary $88,792
Annual Increase in Salary 2.0%
Contributions Total Contributions
% of Salary to Contribute 10.00% Your Contributions $202,840
Employer Match (% of contrib.) 50.0% Employer Contributions $60,852
Employer Maximum (% of salary) 6.0% Total Contributions $263,693
.
Return
Annual Rate of Return 6.00%
Payments Per Year 12
$12
Balance
$10 [42] Use Random Rates
FALSE
$8 Min -4.00%
$6 Max 10.00%
$4 Average 6.00%
(Press F9 to Recalculate)
$2
$-
20 22 24 26 28 30 32 34 36 38 40
Age [42]
Annual Employer
Year Age Rate Salary Contribution Contribution Interest Balance
$-
1 35 6.00% 50,000 5,000 1,500 181.76 6,681.76
2 36 6.00% 51,000 5,100 1,530 597.51 13,909.28
3 37 6.00% 52,020 5,202 1,561 1,047.00 21,718.88
4 38 6.00% 53,060 5,306 1,592 1,532.46 30,149.19
5 39 6.00% 54,122 5,412 1,624 2,056.28 39,241.28
6 40 6.00% 55,204 5,520 1,656 2,621.00 49,038.80
7 41 6.00% 56,308 5,631 1,689 3,229.30 59,588.16
8 42 6.00% 57,434 5,743 1,723 3,884.06 70,938.67
9 43 6.00% 58,583 5,858 1,757 4,588.31 83,142.77
10 44 6.00% 59,755 5,975 1,793 5,345.29 96,256.16
11 45 6.00% 60,950 6,095 1,828 6,158.44 110,338.06
12 46 6.00% 62,169 6,217 1,865 7,031.41 125,451.40
13 47 6.00% 63,412 6,341 1,902 7,968.09 141,663.06
14 48 6.00% 64,680 6,468 1,940 8,972.60 159,044.10
15 49 6.00% 65,974 6,597 1,979 10,049.32 177,670.03
16 50 6.00% 67,293 6,729 2,019 11,202.93 197,621.11
17 51 6.00% 68,639 6,864 2,059 12,438.36 218,982.57
18 52 6.00% 70,012 7,001 2,100 13,760.88 241,845.02
19 53 6.00% 71,412 7,141 2,142 15,176.07 266,304.69
© 2008 Vertex42.com

2. Annual Employer
Year Age Rate Salary Contribution Contribution Interest Balance
20 54 6.00% 72,841 7,284 2,185 16,689.89 292,463.85
21 55 6.00% 74,297 7,430 2,229 18,308.62 320,431.13
22 56 6.00% 75,783 7,578 2,273 20,038.98 350,321.94
23 57 6.00% 77,299 7,730 2,319 21,888.09 382,258.90
24 58 6.00% 78,845 7,884 2,365 23,863.51 416,372.26
25 59 6.00% 80,422 8,042 2,413 25,973.28 452,800.39
26 60 6.00% 82,030 8,203 2,461 28,225.94 491,690.27
27 61 6.00% 83,671 8,367 2,510 30,630.55 533,198.03
28 62 6.00% 85,344 8,534 2,560 33,196.74 577,489.53
29 63 6.00% 87,051 8,705 2,612 35,934.74 624,740.93
30 64 6.00% 88,792 8,879 2,664 38,855.44 675,139.36
31 65 6.00% 0 0 0 41,641.12 716,780.48
32 66 6.00% 0 0 0 44,209.45 760,989.93
33 67 6.00% 0 0 0 46,936.19 807,926.12
34 68 6.00% 0 0 0 49,831.12 857,757.24
35 69 6.00% 0 0 0 52,904.59 910,661.83
36 70 6.00% 0 0 0 56,167.63 966,829.46
37 71 6.00% 0 0 0 59,631.93 1,026,461.38
38 72 6.00% 0 0 0 63,309.89 1,089,771.27
39 73 6.00% 0 0 0 67,214.71 1,156,985.98
40 74 6.00% 0 0 0 71,360.36 1,228,346.35
41 75 6.00% 0 0 0 75,761.71 1,304,108.06
42 76 6.00% 0 0 0 80,434.53 1,384,542.59
43 77 6.00% 0 0 0 85,395.56 1,469,938.15
44 78 6.00% 0 0 0 90,662.57 1,560,600.72
45 79 6.00% 0 0 0 96,254.44 1,656,855.16
46 80 6.00% 0 0 0 102,191.20 1,759,046.36
47 81 6.00% 0 0 0 108,494.13 1,867,540.49
48 82 6.00% 0 0 0 115,185.81 1,982,726.30
49 83 6.00% 0 0 0 122,290.22 2,105,016.52
50 84 6.00% 0 0 0 129,832.81 2,234,849.33
51 85 6.00% 0 0 0 137,840.62 2,372,689.95
52 86 6.00% 0 0 0 146,342.32 2,519,032.27
53 87 6.00% 0 0 0 155,368.40 2,674,400.67
54 88 6.00% 0 0 0 164,951.18 2,839,351.85
55 89 6.00% 0 0 0 175,125.01 3,014,476.86
56 90 6.00% 0 0 0 185,926.34 3,200,403.20
57 91 6.00% 0 0 0 197,393.87 3,397,797.06
58 92 6.00% 0 0 0 209,568.69 3,607,365.75
59 93 6.00% 0 0 0 222,494.43 3,829,860.18
60 94 6.00% 0 0 0 236,217.40 4,066,077.57
© 2008 Vertex42.com

3. Tracking 401(k) Rate of Return
http://www.vertex42.com/Calculators/401k-savings-calculator.html © 2008 Vertex42 LLC
Cumulative Contribution IRR
My Employer Value My Employer Total Total Gain Cash Flow
Date Contribution Contribution (Balance) Contribution Contribution Contribution (Loss) (Total Contrib)
Begin: 31-Dec-08 826.00 413.00 1250.00 826.00 413.00 1239.00 11.00 1250.00
S 31-Jan-09 134.00 67.00 1545.64 960.00 480.00 1440.00 105.64 201.00
T 28-Feb-09 134.00 67.00 1694.69 1094.00 547.00 1641.00 53.69 201.00
A 31-Mar-09 134.00 67.00 1866.77 1228.00 614.00 1842.00 24.77 201.00
T 30-Apr-09 134.00 67.00 2052.84 1362.00 681.00 2043.00 9.84 201.00
E 31-May-09 200.00 100.00 2359.15 1562.00 781.00 2343.00 16.15 300.00
M 30-Jun-09 134.00 67.00 2475.13 1696.00 848.00 2544.00 (68.87) 201.00
E 0.00
N 0.00
T 0.00
S 0.00
Insert new rows above this one 45.94%
30-Jun-09 -2475.13 -2475.13
Personal IRR: 186.5% Portfolio IRR: -8.86%
$3,000
Column H
Column G
$2,500 Column E
$2,000
$1,500
$1,000
$500
$-
31-Dec-08 31-Jan-09 28-Feb-09 31-Mar-09 30-Apr-09 31-May-09 30-Jun-09