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{"sheet":"Traditional 401k vs Roth","index":0,"n_rows":183,"n_cols":61,"rows_kept":183,"cut":false,"hidden":false,"merged":[[1,2,3,6],[30,7,30,13],[48,2,48,4],[48,5,48,7],[6,1,9,4],[27,9,27,10],[27,11,27,12],[27,7,27,8]]}
[]
[null,null,"This calculator assumes your only income is from your retirement accounts. Want to include other sources of income? Estimate taxes? Check our Etsy listing."]
[]
[]
[null,"Roth 401k vs Traditional 401k Calculator"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Traditional 401k Calculation",null,null,null,{"$f":"E17","v":10000},"contribution",null,null,null,null,null,"Roth 401k Calculation (matching net 401k contribution)",null,null,null,{"$f":"E18","v":8800},"contribution",null,null,null,"Roth 401k Calculation (matching 401k contribution with effective tax rate)",null,null,null,null,{"$f":"H19","v":0},"contribution",null,null,null,null,"Roth 401k Calculation (matching gross 401k contribution)",null,null,null,{"$f":"H20","v":10000},"contribution"]
[null,"Instructions: Simply replace the numbers in the green cells below with your own and see which investment account is right for you: a Roth 401k or a Traditional 401k."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inflation Rate",null,null,null,null,null,null,"Age","Beg Balance","Contribution","Withdrawal","Interest Earned","401k Balance","After-tax income","Overages",null,null,"Inflation Rate","Age","Beg Balance","Contribution","Withdrawal","Interest Earned","Same out of pocket Roth Balance","Overages",null,null,"Inflation Rate","Age","Beg Balance","Contribution","Withdrawal","Interest Earned","Ending Balance","Overages",null,null,"Inflation Rate","Age","Beg Balance","Contribution","Withdrawal","Interest Earned","Ending Balance","Overages"]
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[null,"Current age",null,null,35,null,null,null,null,"            Total distributions",null,null,null,null,null,null,1,null,null,null,null,null,null,38,33101.25,10000,0,2155.0625,45256.3125,0,0,null,null,1,{"$f":"AI11+1","v":38},29129.1,8800,0,1896.4549999999999,39825.555,0,null,null,1,{"$f":"AS11+1","v":38},25815.037499999999,0,{"$f":"IF(AX11=0,0,IF(AS12=$E$31,-#REF!*AR12,IF(AS12<$E$31,0,IF(-AV11*AR12>AX11,-AX11,AV11*AR12))))","v":0},1290.7518749999999,27105.789375,0,null,null,1,{"$f":"BC11+1","v":38},33101.25,10000,0,2155.0625,45256.3125,0]
[null,"Filing status",null,null,"Married",{"$f":"E16-E17","v":22300},null,null,null,"             (per the chart)",null,null,null,null,null,null,1,null,null,null,null,null,null,39,45256.3125,10000,0,2762.8156250000002,58019.128125000003,0,0,null,null,1,39,39825.555,8800,0,2431.2777500000002,51056.832750000001,0,null,null,1,39,27105.789375,0,{"$f":"IF(AX12=0,0,IF(AS13=$E$31,-#REF!*AR13,IF(AS13<$E$31,0,IF(-AV12*AR13>AX12,-AX12,AV12*AR13))))","v":0},1355.2894687500002,28461.078843750001,0,null,null,1,39,45256.3125,10000,0,2762.8156250000002,58019.128125000003,0]
[null,"Current annual income",null,null,60000,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,40,58019.128125000003,10000,{"$f":"IF(AC13=0,0, IF(AND(X14=$E$31,AC13<$E$33),-AC13,IF(X14=$E$31, -$E$33*Q14,IF(X14<$E$31,0,IF(-AA13*Q14>AC13,-AC13,AA13*Q14)))))","v":0},3400.9564062500003,71420.084531250002,0,0,null,null,1,40,51056.832750000001,8800,0,2992.8416375000002,62849.674387500003,0,null,null,1,40,28461.078843750001,0,{"$f":"IF(AX13=0,0,IF(AS14=$E$31,-#REF!*AR14,IF(AS14<$E$31,0,IF(-AV13*AR14>AX13,-AX13,AV13*AR14))))","v":0},1423.0539421875001,29884.132785937501,0,null,null,1,40,58019.128125000003,10000,0,3400.9564062500003,71420.084531250002,0]
[null,"Standard deduction (2023)",null,null,{"$f":"VLOOKUP($E$13,Data!$C$3:$D$6,2,FALSE)","v":27700},null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,41,71420.084531250002,10000,0,4071.0042265625002,85491.088757812497,0,0,null,null,1,41,62849.674387500003,8800,0,3582.4837193750009,75232.158106875009,0,null,null,1,41,29884.132785937501,0,{"$f":"IF(AX14=0,0,IF(AS15=$E$31,-#REF!*AR15,IF(AS15<$E$31,0,IF(-AV14*AR15>AX14,-AX14,AV14*AR15))))","v":0},1494.2066392968752,31378.339425234375,0,null,null,1,41,71420.084531250002,10000,0,4071.0042265625002,85491.088757812497,0]
[null,"Income after standard deduction",null,null,{"$f":"E14-E15","v":32300},null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,42,85491.088757812497,10000,0,4774.5544378906252,100265.64319570312,0,0,null,null,1,42,75232.158106875009,8800,0,4201.6079053437506,88233.766012218766,0,null,null,1,42,31378.339425234375,0,{"$f":"IF(AX15=0,0,IF(AS16=$E$31,-#REF!*AR16,IF(AS16<$E$31,0,IF(-AV15*AR16>AX15,-AX15,AV15*AR16))))","v":0},1568.9169712617188,32947.256396496094,0,null,null,1,42,85491.088757812497,10000,0,4774.5544378906252,100265.64319570312,0]
[null,"Annual contributions (pre tax)",null,null,10000,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,43,100265.64319570312,10000,0,5513.2821597851562,115778.92535548827,0,0,null,null,1,43,88233.766012218766,8800,0,4851.6883006109383,101885.45431282971,0,null,null,1,43,32947.256396496094,0,{"$f":"IF(AX16=0,0,IF(AS17=$E$31,-#REF!*AR17,IF(AS17<$E$31,0,IF(-AV16*AR17>AX16,-AX16,AV16*AR17))))","v":0},1647.3628198248048,34594.619216320898,0,null,null,1,43,100265.64319570312,10000,0,5513.2821597851562,115778.92535548827,0]
[null,"(Equivalent Roth Contribution)",null,null,{"$f":"E17-E25","v":8800},null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,44,115778.92535548827,10000,0,6288.9462677744141,132067.87162326268,0,0,null,null,1,44,101885.45431282971,8800,0,5534.2727156414858,116219.7270284712,0,null,null,1,44,34594.619216320898,0,{"$f":"IF(AX17=0,0,IF(AS18=$E$31,-#REF!*AR18,IF(AS18<$E$31,0,IF(-AV17*AR18>AX17,-AX17,AV17*AR18))))","v":0},1729.7309608160449,36324.350177136941,0,null,null,1,44,115778.92535548827,10000,0,6288.9462677744141,132067.87162326268,0]
[null,"Income after SD and contribution",null,null,{"$f":"F13","v":22300},null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,45,132067.87162326268,10000,0,7103.3935811631345,149171.26520442581,0,0,null,null,1,45,116219.7270284712,8800,0,6250.9863514235603,131270.71337989476,0,null,null,1,45,36324.350177136941,0,{"$f":"IF(AX18=0,0,IF(AS19=$E$31,-#REF!*AR19,IF(AS19<$E$31,0,IF(-AV18*AR19>AX18,-AX18,AV18*AR19))))","v":0},1816.2175088568472,38140.567685993788,0,null,null,1,45,132067.87162326268,10000,0,7103.3935811631345,149171.26520442581,0]
[null,null,null,null,null,null,"Match 401k gross contribution",{"$f":"E17","v":10000},null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,46,149171.26520442581,10000,0,7958.5632602212909,167129.82846464711,0,0,null,null,1,46,131270.71337989476,8800,0,7003.5356689947384,147074.2490488895,0,null,null,1,46,38140.567685993788,0,{"$f":"IF(AX19=0,0,IF(AS20=$E$31,-#REF!*AR20,IF(AS20<$E$31,0,IF(-AV19*AR20>AX19,-AX19,AV19*AR20))))","v":0},1907.0283842996896,40047.596070293475,0,null,null,1,46,149171.26520442581,10000,0,7958.5632602212909,167129.82846464711,0]
[null,"Annual investment growth",null,null,0.08,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,47,167129.82846464711,10000,0,8856.4914232323554,185986.31988787948,0,0,null,null,1,47,147074.2490488895,8800,0,7793.7124524444753,163667.96150133398,0,null,null,1,47,40047.596070293475,0,{"$f":"IF(AX20=0,0,IF(AS21=$E$31,-#REF!*AR21,IF(AS21<$E$31,0,IF(-AV20*AR21>AX20,-AX20,AV20*AR21))))","v":0},2002.3798035146738,42049.975873808151,0,null,null,1,47,167129.82846464711,10000,0,8856.4914232323554,185986.31988787948,0]
[null,"Annual growth less inflation",null,null,{"$f":"E21-3%","v":0.05},null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,48,185986.31988787948,10000,0,9799.3159943939736,{"$f":"IF(SUM(Y22:AB22)<0,0,(SUM(Y22:AB22)))","v":205785.63588227346},0,0,null,null,1,48,163667.96150133398,8800,0,8623.3980750666997,181091.35957640069,0,null,null,1,48,42049.975873808151,0,{"$f":"IF(AX21=0,0,IF(AS22=$E$31,-#REF!*AR22,IF(AS22<$E$31,0,IF(-AV21*AR22>AX21,-AX21,AV21*AR22))))","v":0},2102.4987936904076,44152.474667498558,0,null,null,1,48,185986.31988787948,10000,0,9799.3159943939736,205785.63588227346,0]
[null,"Taxes owed with Roth Investment",null,null,{"$f":"F121","v":3465},null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,49,205785.63588227346,10000,0,10789.281794113675,226574.91767638712,0,0,null,null,1,49,181091.35957640069,8800,0,9494.5679788200341,199385.92755522073,0,null,null,1,49,44152.474667498558,0,{"$f":"IF(AX22=0,0,IF(AS23=$E$31,-#REF!*AR23,IF(AS23<$E$31,0,IF(-AV22*AR23>AX22,-AX22,AV22*AR23))))","v":0},2207.6237333749282,46360.098400873489,0,null,null,1,49,205785.63588227346,10000,0,10789.281794113675,226574.91767638712,0]
[null,"Taxes owed post investment",null,null,{"$f":"H121","v":2265},null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,{"$f":"X23+1","v":50},{"$f":"AC23","v":226574.91767638712},10000,0,11828.745883819356,248403.66356020648,0,0,null,null,1,{"$f":"AI23+1","v":50},{"$f":"AN23","v":199385.92755522073},8800,0,10409.296377761037,218595.22393298175,0,null,null,1,{"$f":"AS23+1","v":50},{"$f":"AX23","v":46360.098400873489},0,{"$f":"IF(AX23=0,0,IF(AS24=$E$31,-#REF!*AR24,IF(AS24<$E$31,0,IF(-AV23*AR24>AX23,-AX23,AV23*AR24))))","v":0},2318.0049200436747,48678.103320917166,0,null,null,1,{"$f":"BC23+1","v":50},{"$f":"BH23","v":226574.91767638712},10000,0,11828.745883819356,248403.66356020648,0]
[null,"Annual tax savings with contribution",null,null,{"$f":"E23-E24","v":1200},null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,51,248403.66356020648,10000,0,12920.183178010324,271323.84673821682,0,0,null,null,1,51,218595.22393298175,8800,0,11369.761196649088,238764.98512963083,0,null,null,1,51,48678.103320917166,0,{"$f":"IF(AX24=0,0,IF(AS25=$E$31,-#REF!*AR25,IF(AS25<$E$31,0,IF(-AV24*AR25>AX24,-AX24,AV24*AR25))))","v":0},2433.9051660458586,51112.008486963023,0,null,null,1,51,248403.66356020648,10000,0,12920.183178010324,271323.84673821682,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,52,271323.84673821682,10000,0,14066.192336910841,295390.03907512769,0,0,null,null,1,52,238764.98512963083,8800,0,12378.249256481542,259943.23438611237,0,null,null,1,52,51112.008486963023,0,{"$f":"IF(AX25=0,0,IF(AS26=$E$31,-#REF!*AR26,IF(AS26<$E$31,0,IF(-AV25*AR26>AX25,-AX25,AV25*AR26))))","v":0},2555.6004243481511,53667.608911311174,0,null,null,1,52,271323.84673821682,10000,0,14066.192336910841,295390.03907512769,0]
[null,"Tax rate of the savings",null,null,{"$f":"E25/E17","v":0.12},null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,53,295390.03907512769,10000,0,15269.501953756386,320659.54102888406,0,0,null,null,1,53,259943.23438611237,8800,0,13437.161719305619,282180.39610541798,0,null,null,1,53,53667.608911311174,0,{"$f":"IF(AX26=0,0,IF(AS27=$E$31,-#REF!*AR27,IF(AS27<$E$31,0,IF(-AV26*AR27>AX26,-AX26,AV26*AR27))))","v":0},2683.3804455655591,56350.989356876729,0,null,null,1,53,295390.03907512769,10000,0,15269.501953756386,320659.54102888406,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,54,320659.54102888406,10000,0,16532.977051444203,347192.51808032824,0,0,null,null,1,54,282180.39610541798,8800,0,14549.0198052709,305529.41591068887,0,null,null,1,54,56350.989356876729,0,{"$f":"IF(AX27=0,0,IF(AS28=$E$31,-#REF!*AR28,IF(AS28<$E$31,0,IF(-AV27*AR28>AX27,-AX27,AV27*AR28))))","v":0},2817.5494678438367,59168.538824720563,0,null,null,1,54,320659.54102888406,10000,0,16532.977051444203,347192.51808032824,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,55,347192.51808032824,10000,0,17859.625904016411,375052.14398434467,0,0,null,null,1,55,305529.41591068887,8800,0,15716.470795534444,330045.8867062233,0,null,null,1,55,59168.538824720563,0,{"$f":"IF(AX28=0,0,IF(AS29=$E$31,-#REF!*AR29,IF(AS29<$E$31,0,IF(-AV28*AR29>AX28,-AX28,AV28*AR29))))","v":0},2958.4269412360281,62126.965765956593,0,null,null,1,55,347192.51808032824,10000,0,17859.625904016411,375052.14398434467,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,56,375052.14398434467,10000,0,19252.607199217233,404304.75118356192,0,0,null,null,1,56,330045.8867062233,8800,0,16942.294335311166,355788.18104153447,0,null,null,1,56,62126.965765956593,0,{"$f":"IF(AX29=0,0,IF(AS30=$E$31,-#REF!*AR30,IF(AS30<$E$31,0,IF(-AV29*AR30>AX29,-AX29,AV29*AR30))))","v":0},3106.3482882978296,65233.314054254421,0,null,null,1,56,375052.14398434467,10000,0,19252.607199217233,404304.75118356192,0]
[null,"Retirement age",null,null,70,null,null,"2023 Income Tax Brackets: Taxes Owed with 401k Contribution vs. with Roth Contribution",null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,57,404304.75118356192,10000,0,20715.237559178098,435019.98874274001,0,0,null,null,1,57,355788.18104153447,8800,0,18229.409052076724,382817.59009361122,0,null,null,1,57,65233.314054254421,0,{"$f":"IF(AX30=0,0,IF(AS31=$E$31,-#REF!*AR31,IF(AS31<$E$31,0,IF(-AV30*AR31>AX30,-AX30,AV30*AR31))))","v":0},3261.6657027127212,68494.979756967135,0,null,null,1,57,404304.75118356192,10000,0,20715.237559178098,435019.98874274001,0]
[null,"Filing status",null,null,"Married",null,null,"Tax rate","From","To","Full salary (Roth)","Taxes owed","Salary less contribution (401k)","Taxes owed",null,null,1,null,null,null,null,null,null,58,435019.98874274001,10000,0,22250.999437137001,467270.98817987699,0,0,null,null,1,58,382817.59009361122,8800,0,19580.879504680561,411198.46959829179,0,null,null,1,58,68494.979756967135,0,{"$f":"IF(AX31=0,0,IF(AS32=$E$31,-#REF!*AR32,IF(AS32<$E$31,0,IF(-AV31*AR32>AX31,-AX31,AV31*AR32))))","v":0},3424.748987848357,71919.728744815497,0,null,null,1,58,435019.98874274001,10000,0,22250.999437137001,467270.98817987699,0]
[null,"Yearly withdrawal (today's dollars)",null,null,60000,null,null,{"$f":"IF($E$13=\"Single\",B71,IF($E$13=\"Married\",B84,IF($E$13=\"Married filing separately\",B97,B110)))","v":0.1},0,20550,20550,2055,20550,2055,null,null,1,null,null,null,null,null,null,59,467270.98817987699,10000,0,23863.549408993851,501134.53758887085,0,0,null,null,1,59,411198.46959829179,8800,0,20999.923479914592,440998.3930782064,0,null,null,1,59,71919.728744815497,0,{"$f":"IF(AX32=0,0,IF(AS33=$E$31,-#REF!*AR33,IF(AS33<$E$31,0,IF(-AV32*AR33>AX32,-AX32,AV32*AR33))))","v":0},3595.9864372407751,75515.715182056272,0,null,null,1,59,467270.98817987699,10000,0,23863.549408993851,501134.53758887085,0]
[null,"Taxes owed",null,null,{"$f":"IF(F183<0,0,F183)","v":3465},null,null,0.12,20551,83550,11750,1410,1750,210,null,null,1,null,null,null,null,null,null,60,501134.53758887085,10000,0,25556.726879443544,536691.26446831436,0,0,null,null,1,60,440998.3930782064,8800,0,22489.919653910321,472288.31273211673,0,null,null,1,60,75515.715182056272,0,{"$f":"IF(AX33=0,0,IF(AS34=$E$31,-#REF!*AR34,IF(AS34<$E$31,0,IF(-AV33*AR34>AX33,-AX33,AV33*AR34))))","v":0},3775.7857591028137,79291.500941159087,0,null,null,1,60,501134.53758887085,10000,0,25556.726879443544,536691.26446831436,0]
[null,"Net distributions after taxes",null,null,{"$f":"E33-E34","v":56535},null,null,0.22,83551,178150,0,0,0,0,null,null,1,null,null,null,null,null,null,61,536691.26446831436,10000,0,27334.56322341572,574025.82769173011,0,0,null,null,1,61,472288.31273211673,8800,0,24054.415636605838,505142.72836872254,0,null,null,1,61,79291.500941159087,0,{"$f":"IF(AX34=0,0,IF(AS35=$E$31,-#REF!*AR35,IF(AS35<$E$31,0,IF(-AV34*AR35>AX34,-AX34,AV34*AR35))))","v":0},3964.5750470579546,83256.075988217039,0,null,null,1,61,536691.26446831436,10000,0,27334.56322341572,574025.82769173011,0]
[null,null,null,null,null,null,null,0.24,178151,340100,0,0,0,0,null,null,1,null,null,null,null,null,null,62,574025.82769173011,10000,0,29201.291384586508,613227.11907631659,0,0,null,null,1,62,505142.72836872254,8800,0,25697.13641843613,539639.86478715867,0,null,null,1,62,83256.075988217039,0,{"$f":"IF(AX35=0,0,IF(AS36=$E$31,-#REF!*AR36,IF(AS36<$E$31,0,IF(-AV35*AR36>AX35,-AX35,AV35*AR36))))","v":0},4162.8037994108518,87418.879787627884,0,null,null,1,62,574025.82769173011,10000,0,29201.291384586508,613227.11907631659,0]
[null,"Standard deduction (2023)",null,null,{"$f":"VLOOKUP($E$32,Data!C3:D6,2,FALSE)","v":27700},null,null,0.32,340101,431900,0,0,0,0,null,null,1,null,null,null,null,null,null,63,613227.11907631659,10000,0,31161.35595381583,654388.47503013245,0,0,null,null,1,63,539639.86478715867,8800,0,27421.993239357937,575861.85802651662,0,null,null,1,63,87418.879787627884,0,{"$f":"IF(AX36=0,0,IF(AS37=$E$31,-#REF!*AR37,IF(AS37<$E$31,0,IF(-AV36*AR37>AX36,-AX36,AV36*AR37))))","v":0},4370.9439893813942,91789.823777009282,0,null,null,1,63,613227.11907631659,10000,0,31161.35595381583,654388.47503013245,0]
[null,"Income after standard deduction",null,null,{"$f":"E33-E37","v":32300},null,null,0.35,431901,647850,0,0,0,0,null,null,1,null,null,null,null,null,null,64,654388.47503013245,10000,0,33219.423751506627,697607.89878163906,0,0,null,null,1,64,575861.85802651662,8800,0,29233.092901325832,613894.95092784241,0,null,null,1,64,91789.823777009282,0,{"$f":"IF(AX37=0,0,IF(AS38=$E$31,-#REF!*AR38,IF(AS38<$E$31,0,IF(-AV37*AR38>AX37,-AX37,AV37*AR38))))","v":0},4589.4911888504639,96379.314965859739,0,null,null,1,64,654388.47503013245,10000,0,33219.423751506627,697607.89878163906,0]
[null,null,null,null,null,null,null,0.37,647851,0,0,0,0,0,null,null,1,null,null,null,null,null,null,65,697607.89878163906,10000,0,35380.394939081954,742988.29372072103,0,0,null,null,1,65,613894.95092784241,8800,0,31134.747546392122,653829.69847423455,0,null,null,1,65,96379.314965859739,0,{"$f":"IF(AX38=0,0,IF(AS39=$E$31,-#REF!*AR39,IF(AS39<$E$31,0,IF(-AV38*AR39>AX38,-AX38,AV38*AR39))))","v":0},4818.965748292987,101198.28071415273,0,null,null,1,65,697607.89878163906,10000,0,35380.394939081954,742988.29372072103,0]
[null,"Effective tax rate on the gross",null,null,{"$f":"IF(E34<0,0,E34/E33)","v":5.7750000000000003E-2},null,null,null,null,null,"Roth taxes owed:",{"$f":"SUM(L33:L39)","v":3465},"401k taxes owed:",{"$f":"SUM(N33:N39)","v":2265},null,null,1,null,null,null,null,null,null,66,742988.29372072103,10000,0,37649.414686036056,790637.7084067571,0,0,null,null,1,66,653829.69847423455,8800,0,33131.484923711731,695761.1833979463,0,null,null,1,66,101198.28071415273,0,{"$f":"IF(AX39=0,0,IF(AS40=$E$31,-#REF!*AR40,IF(AS40<$E$31,0,IF(-AV39*AR40>AX39,-AX39,AV39*AR40))))","v":0},5059.9140357076367,106258.19474986037,0,null,null,1,66,742988.29372072103,10000,0,37649.414686036056,790637.7084067571,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(X41>$E$31,(1+$E$54),1)","v":1},null,null,null,null,null,null,67,790637.7084067571,10000,0,40031.885420337858,840669.593827095,0,0,null,null,{"$f":"IF(AI41>$E$31,(1+$E$54),1)","v":1},67,695761.1833979463,8800,0,35228.059169897315,739789.24256784364,0,null,null,{"$f":"IF(AS41>$E$31,(1+$E$54),1)","v":1},67,106258.19474986037,{"$f":"IF(AS41>=$E$31,0,$H$19)","v":0},{"$f":"IF(AX40=0,0,IF(AS41=$E$31,-#REF!*AR41,IF(AS41<$E$31,0,IF(-AV40*AR41>AX40,-AX40,AV40*AR41))))","v":0},5312.9097374930188,111571.10448735338,0,null,null,{"$f":"IF(BC41>$E$31,(1+$E$54),1)","v":1},67,790637.7084067571,{"$f":"IF(BC41>=$E$31,0,$H$20)","v":10000},0,40031.885420337858,840669.593827095,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,68,840669.593827095,10000,0,{"$f":"IF(AC41=0,0,SUM(Y42:AA42)*$E$22)","v":42533.479691354754},893203.07351844979,0,0,null,null,1,68,739789.24256784364,8800,0,{"$f":"IF(AN41=0,0,SUM(AJ42:AL42)*$E$22)","v":37429.462128392181},786018.70469623583,0,null,null,1,68,111571.10448735338,0,{"$f":"IF(AX41=0,0,IF(AS42=$E$31,-#REF!*AR42,IF(AS42<$E$31,0,IF(-AV41*AR42>AX41,-AX41,AV41*AR42))))","v":0},{"$f":"IF(AX41=0,0,SUM(AT42:AV42)*$E$22)","v":5578.5552243676693},117149.65971172105,0,null,null,1,68,840669.593827095,10000,{"$f":"IF(BH41=0,0,IF(BC42=$E$31,-$E$35*BB42,IF(BC42<$E$31,0,IF(-BF41*BB42>BH41,-BH41,BF41*BB42))))","v":0},{"$f":"IF(BH41=0,0,SUM(BD42:BF42)*$E$22)","v":42533.479691354754},893203.07351844979,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,69,893203.07351844979,10000,0,45160.153675922491,948363.22719437233,0,0,null,null,1,69,786018.70469623583,8800,0,39740.935234811797,834559.63993104757,0,null,null,1,69,117149.65971172105,0,{"$f":"IF(AX42=0,0,IF(AS43=$E$31,-#REF!*AR43,IF(AS43<$E$31,0,IF(-AV42*AR43>AX42,-AX42,AV42*AR43))))","v":0},5857.4829855860526,123007.14269730711,0,null,null,1,69,893203.07351844979,10000,0,45160.153675922491,948363.22719437233,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,70,948363.22719437233,0,-60000,44418.161359718622,932781.38855409098,-56535,0,null,null,1,70,834559.63993104757,0,-56535,38901.231996552378,816925.87192759989,0,null,null,1,70,123007.14269730711,0,{"$f":"IF(AX43=0,0,IF(AS44=$E$31,-#REF!*AR44,IF(AS44<$E$31,0,IF(-AV43*AR44>AX43,-AX43,AV43*AR44))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,70,948363.22719437233,0,-56535,44591.411359718622,936419.63855409098,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,71,932781.38855409098,0,-60000,43639.069427704555,916420.45798179554,-56535,0,null,null,1,71,816925.87192759989,0,-56535,38019.543596379997,798410.41552397993,0,null,null,1,71,{"$error":"#REF!"},0,{"$f":"IF(AX44=0,0,IF(AS45=$E$31,-#REF!*AR45,IF(AS45<$E$31,0,IF(-AV44*AR45>AX44,-AX44,AV44*AR45))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,71,936419.63855409098,0,-56535,43994.231927704554,923878.87048179551,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,72,916420.45798179554,0,-60000,42821.022899089781,899241.48088088527,-56535,0,null,null,1,72,798410.41552397993,0,-56535,37093.770776198995,778969.18630017887,0,null,null,1,72,{"$error":"#REF!"},0,{"$f":"IF(AX45=0,0,IF(AS46=$E$31,-#REF!*AR46,IF(AS46<$E$31,0,IF(-AV45*AR46>AX45,-AX45,AV45*AR46))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,72,923878.87048179551,0,-56535,43367.19352408978,910711.06400588527,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,{"$f":"X46+1","v":73},899241.48088088527,{"$f":"IF(X47>=$E$31,0,$E$17)","v":0},-60000,41962.074044044268,881203.55492492951,-56535,0,null,null,1,73,778969.18630017887,{"$f":"IF(AI47>=$E$31,0,$E$18)","v":0},-56535,36121.709315008942,758555.89561518782,0,null,null,1,73,{"$error":"#REF!"},0,{"$f":"IF(AX46=0,0,IF(AS47=$E$31,-#REF!*AR47,IF(AS47<$E$31,0,IF(-AV46*AR47>AX46,-AX46,AV46*AR47))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,73,910711.06400588527,0,-56535,42708.803200294264,896884.86720617954,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,74,881203.55492492951,0,-60000,41060.177746246482,862263.73267117597,-56535,0,null,null,1,74,758555.89561518782,0,-56535,35101.044780759396,737121.9403959472,0,null,null,1,74,{"$error":"#REF!"},0,{"$f":"IF(AX47=0,0,IF(AS48=$E$31,-#REF!*AR48,IF(AS48<$E$31,0,IF(-AV47*AR48>AX47,-AX47,AV47*AR48))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,74,896884.86720617954,0,-56535,42017.493360308981,882367.36056648847,0]
[null,null,"Traditional",null,null,"Roth",null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,75,862263.73267117597,0,-60000,40113.186633558798,842376.91930473479,-56535,0,null,null,1,75,737121.9403959472,0,-56535,34029.347019797358,714616.2874157445,0,null,null,1,75,{"$error":"#REF!"},0,{"$f":"IF(AX48=0,0,IF(AS49=$E$31,-#REF!*AR49,IF(AS49<$E$31,0,IF(-AV48*AR49>AX48,-AX48,AV48*AR49))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,75,882367.36056648847,0,-56535,41291.618028324425,867123.97859481291,0]
[null,null,"Contributions","Interest","Total with 401k","Contributions","Interest","Total with Roth",null,"If invest full amount…",null,null,null,null,null,null,1,null,null,null,null,null,null,76,842376.91930473479,0,-60000,39118.845965236738,821495.76526997157,-56535,0,null,null,1,76,714616.2874157445,0,-56535,32904.06437078723,690985.35178653174,0,null,null,1,76,{"$error":"#REF!"},0,{"$f":"IF(AX49=0,0,IF(AS50=$E$31,-#REF!*AR50,IF(AS50<$E$31,0,IF(-AV49*AR50>AX49,-AX49,AV49*AR50))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,76,867123.97859481291,0,-56535,40529.448929740647,851118.42752455361,0]
[null,"Resulting 401k distributions: ",{"$f":"SUM(Z9:Z112)","v":350000},{"$f":"E51-C51","v":1270134.2630450707},{"$f":"$AD$116","v":1620134.2630450707},{"$f":"SUM(AK9:AK112)","v":308000},{"$f":"H51-F51","v":1098661.7160924124},{"$f":"$AL$116","v":1406661.7160924124},null,{"$f":"$BF$116","v":1858144.9840796054},null,null,null,null,null,null,1,null,null,null,null,null,null,77,821495.76526997157,0,-60000,38074.78826349858,799570.55353347014,-56535,0,null,null,1,77,690985.35178653174,0,-56535,31722.517589326588,666172.86937585834,0,null,null,1,77,{"$error":"#REF!"},0,{"$f":"IF(AX50=0,0,IF(AS51=$E$31,-#REF!*AR51,IF(AS51<$E$31,0,IF(-AV50*AR51>AX50,-AX50,AV50*AR51))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,77,851118.42752455361,0,-56535,39729.171376227685,834312.59890078125,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,78,799570.55353347014,0,-60000,36978.527676673511,776549.08121014363,-56535,0,null,null,1,78,666172.86937585834,0,-56535,30481.893468792918,640119.76284465124,0,null,null,1,78,{"$error":"#REF!"},0,{"$f":"IF(AX51=0,0,IF(AS52=$E$31,-#REF!*AR52,IF(AS52<$E$31,0,IF(-AV51*AR52>AX51,-AX51,AV51*AR52))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,78,834312.59890078125,0,-56535,38888.879945039065,816666.4788458203,0]
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[null,null,null,null,{"$f":"\"Based on your inputs and assumptions, you should invest in a\"","v":"Based on your inputs and assumptions, you should invest in a"},null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,82,700345.13013589266,0,-60000,32017.256506794634,672362.38664268726,-56535,0,null,null,1,82,553880.7235880394,0,-56535,24867.28617940197,522213.00976744137,0,null,null,1,82,{"$error":"#REF!"},0,{"$f":"IF(AX55=0,0,IF(AS56=$E$31,-#REF!*AR56,IF(AS56<$E$31,0,IF(-AV55*AR56>AX55,-AX55,AV55*AR56))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,82,758255.61569889262,0,-56535,35086.030784944633,736806.64648383728,0]
[null,null,null,null,{"$f":"IF(E27>E40,\"Traditional 401k\", \"Roth 401k\")","v":"Traditional 401k"},null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,83,672362.38664268726,0,-60000,30618.119332134364,642980.50597482163,-56535,0,null,null,1,83,522213.00976744137,0,-56535,23283.90048837207,488961.91025581345,0,null,null,1,83,{"$error":"#REF!"},0,{"$f":"IF(AX56=0,0,IF(AS57=$E$31,-#REF!*AR57,IF(AS57<$E$31,0,IF(-AV56*AR57>AX56,-AX56,AV56*AR57))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,83,736806.64648383728,0,-56535,34013.582324191862,714285.22880802909,0]
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[null,"Current Year Tax Impact",null,null,"Taxes owed without Contribution",null,null,"Taxes owed with Contribution",null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,93,302800.24910995358,0,-60000,12140.012455497679,254940.26156545128,-56535,0,null,null,1,93,103984.25342134517,0,-56535,2372.4626710672587,49821.716092412433,0,null,null,1,93,{"$error":"#REF!"},0,{"$f":"IF(AX66=0,0,IF(AS67=$E$31,-#REF!*AR67,IF(AS67<$E$31,0,IF(-AV66*AR67>AX66,-AX66,AV66*AR67))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,93,453534.67520931253,0,-56535,19849.983760465628,416849.65896977816,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,94,254940.26156545128,0,-60000,9747.0130782725646,204687.27464372385,-56535,0,null,null,1,94,49821.716092412433,0,-49821.716092412433,0,0,0,null,null,1,94,{"$error":"#REF!"},0,{"$f":"IF(AX67=0,0,IF(AS68=$E$31,-#REF!*AR68,IF(AS68<$E$31,0,IF(-AV67*AR68>AX67,-AX67,AV67*AR68))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,94,416849.65896977816,0,-56535,18015.732948488909,378330.39191826707,0]
[null,"Single filers 2023",null,null,"Standard deduction",13850,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,95,204687.27464372385,0,-60000,7234.3637321861934,151921.63837591006,-56535,0,null,null,1,95,0,0,0,0,0,0,null,null,1,95,{"$error":"#REF!"},0,{"$f":"IF(AX68=0,0,IF(AS69=$E$31,-#REF!*AR69,IF(AS69<$E$31,0,IF(-AV68*AR69>AX68,-AX68,AV68*AR69))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,95,378330.39191826707,0,-56535,16089.769595913354,337885.16151418042,0]
[null,"Tax rate","From","To","Income per bracket","Taxes owed in each category","Income w/ contributions","Taxes owed",null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,96,151921.63837591006,0,-60000,4596.081918795503,96517.720294705563,-56535,0,null,null,1,96,0,0,0,0,0,0,null,null,1,96,{"$error":"#REF!"},0,{"$f":"IF(AX69=0,0,IF(AS70=$E$31,-#REF!*AR70,IF(AS70<$E$31,0,IF(-AV69*AR70>AX69,-AX69,AV69*AR70))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,96,337885.16151418042,0,-56535,14067.508075709022,295417.66958988947,0]
["Single",0.1,0,10275,{"$f":"IF($E$13=\"Single\",IF($E$16>D71,D71,$E$16),0)","v":0},{"$f":"E71*B71","v":0},{"$f":"IF($E$13=\"Single\",IF($F$13>D71,D71,$F$13),0)","v":0},{"$f":"G71*B71","v":0},null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,97,96517.720294705563,0,-60000,1825.8860147352782,38343.606309440838,-56535,0,null,null,1,97,0,0,0,0,0,0,null,null,1,97,{"$error":"#REF!"},0,{"$f":"IF(AX70=0,0,IF(AS71=$E$31,-#REF!*AR71,IF(AS71<$E$31,0,IF(-AV70*AR71>AX70,-AX70,AV70*AR71))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,97,295417.66958988947,0,-56535,11944.133479494474,250826.80306938395,0]
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["Single",0.22,41776,89075,{"$f":"IF($E$13=\"Single\",IF($E$16>D73,(D73-D72),($E$16-E72-E71)),0)","v":0},0,{"$f":"IF($E$13=\"Single\",IF($F$13>D73,(D73-D72),($F$13-G72-G71)),0)","v":0},0,null,null,null,null,null,null,null,null,{"$f":"IF(X73>$E$31,(1+$E$54),1)","v":1},null,null,null,null,null,null,99,0,{"$f":"IF(X73>=$E$31,0,$E$17)","v":0},0,0,0,0,0,null,null,{"$f":"IF(AI73>$E$31,(1+$E$54),1)","v":1},99,0,{"$f":"IF(AI73>=$E$31,0,$E$18)","v":0},0,0,0,0,null,null,{"$f":"IF(AS73>$E$31,(1+$E$54),1)","v":1},99,{"$error":"#REF!"},{"$f":"IF(AS73>=$E$31,0,$H$19)","v":0},{"$f":"IF(AX72=0,0,IF(AS73=$E$31,-#REF!*AR73,IF(AS73<$E$31,0,IF(-AV72*AR73>AX72,-AX72,AV72*AR73))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,{"$f":"IF(BC73>$E$31,(1+$E$54),1)","v":1},99,204006.39322285316,{"$f":"IF(BC73>=$E$31,0,$H$20)","v":0},-56535,7373.5696611426583,154844.96288399582,0]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,104,0,0,0,0,0,0,0,null,null,1,104,0,0,0,0,0,0,null,null,1,104,{"$error":"#REF!"},0,{"$f":"IF(AX77=0,0,IF(AS78=$E$31,-#REF!*AR78,IF(AS78<$E$31,0,IF(-AV77*AR78>AX77,-AX77,AV77*AR78))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,104,0,0,0,0,0,0]
[null,null,null,null,"Total Taxes Owed",{"$f":"SUM(F71:F77)","v":0},"Total Taxes Owed",{"$f":"SUM(H71:H77)","v":0},null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,105,0,0,0,0,0,0,0,null,null,1,105,0,0,0,0,0,0,null,null,1,105,{"$error":"#REF!"},0,{"$f":"IF(AX78=0,0,IF(AS79=$E$31,-#REF!*AR79,IF(AS79<$E$31,0,IF(-AV78*AR79>AX78,-AX78,AV78*AR79))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,105,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,106,0,0,0,0,0,0,0,null,null,1,106,0,0,0,0,0,0,null,null,1,106,{"$error":"#REF!"},0,{"$f":"IF(AX79=0,0,IF(AS80=$E$31,-#REF!*AR80,IF(AS80<$E$31,0,IF(-AV79*AR80>AX79,-AX79,AV79*AR80))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,106,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,107,0,0,0,0,0,0,0,null,null,1,107,0,0,0,0,0,0,null,null,1,107,{"$error":"#REF!"},0,{"$f":"IF(AX80=0,0,IF(AS81=$E$31,-#REF!*AR81,IF(AS81<$E$31,0,IF(-AV80*AR81>AX80,-AX80,AV80*AR81))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,107,0,0,0,0,0,0]
[null,"Married filing jointly 2023",null,null,"Standard deduction 2023",27700,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,108,0,0,0,0,0,0,0,null,null,1,108,0,0,0,0,0,0,null,null,1,108,{"$error":"#REF!"},0,{"$f":"IF(AX81=0,0,IF(AS82=$E$31,-#REF!*AR82,IF(AS82<$E$31,0,IF(-AV81*AR82>AX81,-AX81,AV81*AR82))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,108,0,0,0,0,0,0]
[null,"Tax rate","From","To","Income per bracket","Taxes owed in each category","Income w/ contributions","Taxes owed",null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,109,0,0,0,0,0,0,0,null,null,1,109,0,0,0,0,0,0,null,null,1,109,{"$error":"#REF!"},0,{"$f":"IF(AX82=0,0,IF(AS83=$E$31,-#REF!*AR83,IF(AS83<$E$31,0,IF(-AV82*AR83>AX82,-AX82,AV82*AR83))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,109,0,0,0,0,0,0]
["Married",0.1,0,20550,{"$f":"IF($E$13=\"Married\",IF($E$16>D84,D84,$E$16),0)","v":20550},{"$f":"E84*B84","v":2055},{"$f":"IF($E$13=\"Married\",IF($F$13>D84,D84,$F$13),0)","v":20550},{"$f":"G84*B84","v":2055},null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,110,0,0,0,0,0,0,0,null,null,1,110,0,0,0,0,0,0,null,null,1,110,{"$error":"#REF!"},0,{"$f":"IF(AX83=0,0,IF(AS84=$E$31,-#REF!*AR84,IF(AS84<$E$31,0,IF(-AV83*AR84>AX83,-AX83,AV83*AR84))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,110,0,0,0,0,0,0]
["Married",0.12,20551,83550,{"$f":"IF($E$13=\"Married\",IF($E$16>D85,(D85-D84),($E$16-E84)),0)","v":11750},{"$f":"E85*B85","v":1410},{"$f":"IF($E$13=\"Married\",IF($F$13>D85,(D85-D84),($F$13-G84)),0)","v":1750},210,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,111,0,0,0,0,0,0,0,null,null,1,111,0,0,0,0,0,0,null,null,1,111,{"$error":"#REF!"},0,{"$f":"IF(AX84=0,0,IF(AS85=$E$31,-#REF!*AR85,IF(AS85<$E$31,0,IF(-AV84*AR85>AX84,-AX84,AV84*AR85))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,111,0,0,0,0,0,0]
["Married",0.22,83551,178150,{"$f":"IF($E$13=\"Married\",IF($E$16>D86,(D86-D85),($E$16-E85-E84)),0)","v":0},0,{"$f":"IF($E$13=\"Married\",IF($F$13>D86,(D86-D85),($F$13-G85-G84)),0)","v":0},0,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,112,0,0,0,0,0,0,0,null,null,1,112,0,0,0,0,0,0,null,null,1,112,{"$error":"#REF!"},0,{"$f":"IF(AX85=0,0,IF(AS86=$E$31,-#REF!*AR86,IF(AS86<$E$31,0,IF(-AV85*AR86>AX85,-AX85,AV85*AR86))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,112,0,0,0,0,0,0]
["Married",0.24,178151,340100,{"$f":"IF($E$13=\"Married\",IF($E$16>D87,(D87-D86),($E$16-E86-E85-E84)),0)","v":0},0,{"$f":"IF($E$13=\"Married\",IF($F$13>D87,(D87-D86),($F$13-G86-G85-G84)),0)","v":0},0,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,113,0,0,0,0,0,0,0,null,null,1,113,0,0,0,0,0,0,null,null,1,113,{"$error":"#REF!"},0,{"$f":"IF(AX86=0,0,IF(AS87=$E$31,-#REF!*AR87,IF(AS87<$E$31,0,IF(-AV86*AR87>AX86,-AX86,AV86*AR87))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,113,0,0,0,0,0,0]
["Married",0.32,340101,431900,{"$f":"IF($E$13=\"Married\",IF($E$16>D88,(D88-D87),($E$16-E87-E86-E85-E84)),0)","v":0},0,{"$f":"IF($E$13=\"Married\",IF($F$13>D88,(D88-D87),($F$13-G87-G86-G85-G84)),0)","v":0},0,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,114,0,0,0,0,0,0,0,null,null,1,114,0,0,0,0,0,0,null,null,1,114,{"$error":"#REF!"},0,{"$f":"IF(AX87=0,0,IF(AS88=$E$31,-#REF!*AR88,IF(AS88<$E$31,0,IF(-AV87*AR88>AX87,-AX87,AV87*AR88))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,114,0,0,0,0,0,0]
["Married",0.35,431901,647850,{"$f":"IF($E$13=\"Married\",IF($E$16>D89,(D89-D88),($E$16-E88-E87-E86-E85-E84)),0)","v":0},0,{"$f":"IF($E$13=\"Married\",IF($F$13>D89,(D89-D88),($F$13-G88-G87-G86-G85-G84)),0)","v":0},0,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,115,0,0,0,0,0,0,0,null,null,1,115,0,0,0,0,0,0,null,null,1,115,{"$error":"#REF!"},0,{"$f":"IF(AX88=0,0,IF(AS89=$E$31,-#REF!*AR89,IF(AS89<$E$31,0,IF(-AV88*AR89>AX88,-AX88,AV88*AR89))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,115,0,0,0,0,0,0]
["Married",0.37,647851,null,{"$f":"IF($E$13=\"Married\",IF($E$16>D89,($E$16-D89),0),0)","v":0},0,{"$f":"IF($E$13=\"Married\",IF($F$13>D89,($F$13-D89),0),0)","v":0},0,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,116,0,0,0,0,0,0,0,null,null,1,116,0,0,0,0,0,0,null,null,1,116,{"$error":"#REF!"},0,{"$f":"IF(AX89=0,0,IF(AS90=$E$31,-#REF!*AR90,IF(AS90<$E$31,0,IF(-AV89*AR90>AX89,-AX89,AV89*AR90))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,116,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,117,0,0,0,0,0,0,0,null,null,1,117,0,0,0,0,0,0,null,null,1,117,{"$error":"#REF!"},0,{"$f":"IF(AX90=0,0,IF(AS91=$E$31,-#REF!*AR91,IF(AS91<$E$31,0,IF(-AV90*AR91>AX90,-AX90,AV90*AR91))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,117,0,0,0,0,0,0]
[null,null,null,null,"Total Taxes Owed",{"$f":"SUM(F84:F90)","v":3465},"Total Taxes Owed",{"$f":"SUM(H84:H90)","v":2265},null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,118,0,0,0,0,0,0,0,null,null,1,118,0,0,0,0,0,0,null,null,1,118,{"$error":"#REF!"},0,{"$f":"IF(AX91=0,0,IF(AS92=$E$31,-#REF!*AR92,IF(AS92<$E$31,0,IF(-AV91*AR92>AX91,-AX91,AV91*AR92))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,118,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,119,0,0,0,0,0,0,0,null,null,1,119,0,0,0,0,0,0,null,null,1,119,{"$error":"#REF!"},0,{"$f":"IF(AX92=0,0,IF(AS93=$E$31,-#REF!*AR93,IF(AS93<$E$31,0,IF(-AV92*AR93>AX92,-AX92,AV92*AR93))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,119,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,120,0,0,0,0,0,0,0,null,null,1,120,0,0,0,0,0,0,null,null,1,120,{"$error":"#REF!"},0,{"$f":"IF(AX93=0,0,IF(AS94=$E$31,-#REF!*AR94,IF(AS94<$E$31,0,IF(-AV93*AR94>AX93,-AX93,AV93*AR94))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,120,0,0,0,0,0,0]
[null,"Married filing separately 2023",null,null,"Standard deduction 2023",13850,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,121,0,0,0,0,0,0,0,null,null,1,121,0,0,0,0,0,0,null,null,1,121,{"$error":"#REF!"},0,{"$f":"IF(AX94=0,0,IF(AS95=$E$31,-#REF!*AR95,IF(AS95<$E$31,0,IF(-AV94*AR95>AX94,-AX94,AV94*AR95))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,121,0,0,0,0,0,0]
[null,"Tax rate","From","To","Income per bracket","Taxes owed in each category","Income w/ contributions","Taxes owed",null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,122,0,0,0,0,0,0,0,null,null,1,122,0,0,0,0,0,0,null,null,1,122,{"$error":"#REF!"},0,{"$f":"IF(AX95=0,0,IF(AS96=$E$31,-#REF!*AR96,IF(AS96<$E$31,0,IF(-AV95*AR96>AX95,-AX95,AV95*AR96))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,122,0,0,0,0,0,0]
["Married filing separately",0.1,0,10275,{"$f":"IF($E$13=\"Married filing separately\",IF($E$16>D97,D97,$E$16),0)","v":0},{"$f":"E97*B97","v":0},{"$f":"IF($E$13=\"Married filing separately\",IF($F$13>D97,D97,$F$13),0)","v":0},{"$f":"G97*B97","v":0},null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,123,0,0,0,0,0,0,0,null,null,1,123,0,0,0,0,0,0,null,null,1,123,{"$error":"#REF!"},0,{"$f":"IF(AX96=0,0,IF(AS97=$E$31,-#REF!*AR97,IF(AS97<$E$31,0,IF(-AV96*AR97>AX96,-AX96,AV96*AR97))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,123,0,0,0,0,0,0]
["Married filing separately",0.12,10276,41775,{"$f":"IF($E$13=\"Married filing separately\",IF($E$16>D98,(D98-D97),($E$16-E97)),0)","v":0},0,{"$f":"IF($E$13=\"Married filing separately\",IF($F$13>D98,(D98-D97),($F$13-G97)),0)","v":0},0,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,124,0,0,0,0,0,0,0,null,null,1,124,0,0,0,0,0,0,null,null,1,124,{"$error":"#REF!"},0,{"$f":"IF(AX97=0,0,IF(AS98=$E$31,-#REF!*AR98,IF(AS98<$E$31,0,IF(-AV97*AR98>AX97,-AX97,AV97*AR98))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,124,0,0,0,0,0,0]
["Married filing separately",0.22,41776,89075,{"$f":"IF($E$13=\"Married filing separately\",IF($E$16>D99,(D99-D98),($E$16-E98-E97)),0)","v":0},0,{"$f":"IF($E$13=\"Married filing separately\",IF($F$13>D99,(D99-D98),($F$13-G98-G97)),0)","v":0},0,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,125,0,0,0,0,0,0,0,null,null,1,125,0,0,0,0,0,0,null,null,1,125,{"$error":"#REF!"},0,{"$f":"IF(AX98=0,0,IF(AS99=$E$31,-#REF!*AR99,IF(AS99<$E$31,0,IF(-AV98*AR99>AX98,-AX98,AV98*AR99))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,125,0,0,0,0,0,0]
["Married filing separately",0.24,89076,170050,{"$f":"IF($E$13=\"Married filing separately\",IF($E$16>D100,(D100-D99),($E$16-E99-E98-E97)),0)","v":0},0,{"$f":"IF($E$13=\"Married filing separately\",IF($F$13>D100,(D100-D99),($F$13-G99-G98-G97)),0)","v":0},0,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,126,0,0,0,0,0,0,0,null,null,1,126,0,0,0,0,0,0,null,null,1,126,{"$error":"#REF!"},0,{"$f":"IF(AX99=0,0,IF(AS100=$E$31,-#REF!*AR100,IF(AS100<$E$31,0,IF(-AV99*AR100>AX99,-AX99,AV99*AR100))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,126,0,0,0,0,0,0]
["Married filing separately",0.32,170051,215950,{"$f":"IF($E$13=\"Married filing separately\",IF($E$16>D101,(D101-D100),($E$16-E100-E99-E98-E97)),0)","v":0},0,{"$f":"IF($E$13=\"Married filing separately\",IF($F$13>D101,(D101-D100),($F$13-G100-G99-G98-G97)),0)","v":0},0,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,127,0,0,0,0,0,0,0,null,null,1,127,0,0,0,0,0,0,null,null,1,127,{"$error":"#REF!"},0,{"$f":"IF(AX100=0,0,IF(AS101=$E$31,-#REF!*AR101,IF(AS101<$E$31,0,IF(-AV100*AR101>AX100,-AX100,AV100*AR101))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,127,0,0,0,0,0,0]
["Married filing separately",0.35,215951,323925,{"$f":"IF($E$13=\"Married filing separately\",IF($E$16>D102,(D102-D101),($E$16-E101-E100-E99-E98-E97)),0)","v":0},0,{"$f":"IF($E$13=\"Married filing separately\",IF($F$13>D102,(D102-D101),($F$13-G101-G100-G99-G98-G97)),0)","v":0},0,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,128,0,0,0,0,0,0,0,null,null,1,128,0,0,0,0,0,0,null,null,1,128,{"$error":"#REF!"},0,{"$f":"IF(AX101=0,0,IF(AS102=$E$31,-#REF!*AR102,IF(AS102<$E$31,0,IF(-AV101*AR102>AX101,-AX101,AV101*AR102))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,128,0,0,0,0,0,0]
["Married filing separately",0.37,323926,null,{"$f":"IF($E$13=\"Married filing separately\",IF($E$16>D102,($E$16-D102),0),0)","v":0},0,{"$f":"IF($E$13=\"Married filing separately\",IF($F$13>D102,($F$13-D102),0),0)","v":0},0,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,129,0,0,0,0,0,0,0,null,null,1,129,0,0,0,0,0,0,null,null,1,129,{"$error":"#REF!"},0,{"$f":"IF(AX102=0,0,IF(AS103=$E$31,-#REF!*AR103,IF(AS103<$E$31,0,IF(-AV102*AR103>AX102,-AX102,AV102*AR103))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,129,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,130,0,0,0,0,0,0,0,null,null,1,130,0,0,0,0,0,0,null,null,1,130,{"$error":"#REF!"},0,{"$f":"IF(AX103=0,0,IF(AS104=$E$31,-#REF!*AR104,IF(AS104<$E$31,0,IF(-AV103*AR104>AX103,-AX103,AV103*AR104))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,130,0,0,0,0,0,0]
[null,null,null,null,"Total Taxes Owed",{"$f":"SUM(F97:F103)","v":0},"Total Taxes Owed",{"$f":"SUM(H97:H103)","v":0},null,null,null,null,null,null,null,null,{"$f":"IF(X105>$E$31,(1+$E$54),1)","v":1},null,null,null,null,null,null,131,0,{"$f":"IF(X105>=$E$31,0,$E$17)","v":0},0,0,0,0,0,null,null,{"$f":"IF(AI105>$E$31,(1+$E$54),1)","v":1},131,0,{"$f":"IF(AI105>=$E$31,0,$E$18)","v":0},0,0,0,0,null,null,{"$f":"IF(AS105>$E$31,(1+$E$54),1)","v":1},131,{"$error":"#REF!"},{"$f":"IF(AS105>=$E$31,0,$H$19)","v":0},{"$f":"IF(AX104=0,0,IF(AS105=$E$31,-#REF!*AR105,IF(AS105<$E$31,0,IF(-AV104*AR105>AX104,-AX104,AV104*AR105))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,{"$f":"IF(BC105>$E$31,(1+$E$54),1)","v":1},131,0,{"$f":"IF(BC105>=$E$31,0,$H$20)","v":0},0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,{"$f":"X105+1","v":132},0,0,0,{"$f":"IF(AC105=0,0,SUM(Y106:AA106)*$E$22)","v":0},0,0,0,null,null,1,132,0,0,0,{"$f":"IF(AN105=0,0,SUM(AJ106:AL106)*$E$22)","v":0},0,0,null,null,1,132,{"$error":"#REF!"},0,{"$f":"IF(AX105=0,0,IF(AS106=$E$31,-#REF!*AR106,IF(AS106<$E$31,0,IF(-AV105*AR106>AX105,-AX105,AV105*AR106))))","v":{"$error":"#REF!"}},{"$f":"IF(AX105=0,0,SUM(AT106:AV106)*$E$22)","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,132,0,0,{"$f":"IF(BH105=0,0,IF(BC106=$E$31,-$E$35*BB106,IF(BC106<$E$31,0,IF(-BF105*BB106>BH105,-BH105,BF105*BB106))))","v":0},{"$f":"IF(BH105=0,0,SUM(BD106:BF106)*$E$22)","v":0},0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,{"$f":"X106+1","v":133},0,0,0,0,0,0,0,null,null,1,133,0,0,0,0,0,0,null,null,1,133,{"$error":"#REF!"},0,{"$f":"IF(AX106=0,0,IF(AS107=$E$31,-#REF!*AR107,IF(AS107<$E$31,0,IF(-AV106*AR107>AX106,-AX106,AV106*AR107))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,133,0,0,0,0,0,0]
[null,"Head of household 2023",null,null,"Standard deduction 2023",20800,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,134,0,0,0,0,0,0,0,null,null,1,134,0,0,0,0,0,0,null,null,1,134,{"$error":"#REF!"},0,{"$f":"IF(AX107=0,0,IF(AS108=$E$31,-#REF!*AR108,IF(AS108<$E$31,0,IF(-AV107*AR108>AX107,-AX107,AV107*AR108))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,134,0,0,0,0,0,0]
[null,"Tax rate","From","To","Income per bracket","Taxes owed in each category","Income w/ contributions","Taxes owed",null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,135,0,0,0,0,0,0,0,null,null,1,135,0,0,0,0,0,0,null,null,1,135,{"$error":"#REF!"},0,{"$f":"IF(AX108=0,0,IF(AS109=$E$31,-#REF!*AR109,IF(AS109<$E$31,0,IF(-AV108*AR109>AX108,-AX108,AV108*AR109))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,135,0,0,0,0,0,0]
["Head of household",0.1,0,14650,{"$f":"IF($E$13=\"Head of household\",IF($E$16>D110,D110,$E$16),0)","v":0},{"$f":"E110*B110","v":0},{"$f":"IF($E$13=\"Head of household\",IF($F$13>D110,D110,$F$13),0)","v":0},{"$f":"G110*B110","v":0},null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,136,0,0,0,0,0,0,0,null,null,1,136,0,0,0,0,0,0,null,null,1,136,{"$error":"#REF!"},0,{"$f":"IF(AX109=0,0,IF(AS110=$E$31,-#REF!*AR110,IF(AS110<$E$31,0,IF(-AV109*AR110>AX109,-AX109,AV109*AR110))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,136,0,0,0,0,0,0]
["Head of household",0.12,14651,55900,{"$f":"IF($E$13=\"Head of household\",IF($E$16>D111,(D111-D110),($E$16-E110)),0)","v":0},0,{"$f":"IF($E$13=\"Head of household\",IF($F$13>D111,(D111-D110),($F$13-G110)),0)","v":0},0,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,{"$f":"X110+1","v":137},0,0,0,0,0,0,0,null,null,1,137,0,0,0,0,0,0,null,null,1,137,{"$error":"#REF!"},0,{"$f":"IF(AX110=0,0,IF(AS111=$E$31,-#REF!*AR111,IF(AS111<$E$31,0,IF(-AV110*AR111>AX110,-AX110,AV110*AR111))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,137,0,0,0,0,0,0]
["Head of household",0.22,55901,89050,{"$f":"IF($E$13=\"Head of household\",IF($E$16>D112,(D112-D111),($E$16-E111-E110)),0)","v":0},0,{"$f":"IF($E$13=\"Head of household\",IF($F$13>D112,(D112-D111),($F$13-G111-G110)),0)","v":0},0,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,{"$f":"X111+1","v":138},0,0,0,0,0,0,0,null,null,1,138,0,0,0,0,0,0,null,null,1,138,{"$error":"#REF!"},0,{"$f":"IF(AX111=0,0,IF(AS112=$E$31,-#REF!*AR112,IF(AS112<$E$31,0,IF(-AV111*AR112>AX111,-AX111,AV111*AR112))))","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},null,null,1,138,0,0,0,0,0,0]
["Head of household",0.24,89051,170050,{"$f":"IF($E$13=\"Head of household\",IF($E$16>D113,(D113-D112),($E$16-E112-E111-E110)),0)","v":0},0,{"$f":"IF($E$13=\"Head of household\",IF($F$13>D113,(D113-D112),($F$13-G112-G111-G110)),0)","v":0},0]
["Head of household",0.32,170051,215950,{"$f":"IF($E$13=\"Head of household\",IF($E$16>D114,(D114-D113),($E$16-E113-E112-E111-E110)),0)","v":0},0,{"$f":"IF($E$13=\"Head of household\",IF($F$13>D114,(D114-D113),($F$13-G113-G112-G111-G110)),0)","v":0},0]
["Head of household",0.35,215951,539900,{"$f":"IF($E$13=\"Head of household\",IF($E$16>D115,(D115-D114),($E$16-E114-E113-E112-E111-E110)),0)","v":0},0,{"$f":"IF($E$13=\"Head of household\",IF($F$13>D115,(D115-D114),($F$13-G114-G113-G112-G111-G110)),0)","v":0},0]
["Head of household",0.37,539901,null,{"$f":"IF($E$13=\"Head of household\",IF($E$16>D115,($E$16-D115),0),0)","v":0},0,{"$f":"IF($E$13=\"Head of household\",IF($F$13>D115,($F$13-D115),0),0)","v":0},0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total after-tax disbursements:",null,{"$f":"-SUM(AD9:AD112)+AE116","v":1620134.2630450707},{"$f":"SUM(AE9:AE112)","v":1025},null,null,null,null,null,"Total Disbursements",{"$f":"-SUM(AL9:AL112)+AO116","v":1406661.7160924124},null,null,{"$f":"SUM(AO9:AO112)","v":0},null,null,null,null,null,"Total Disbursements",{"$f":"-SUM(AV9:AV112)+AY116","v":{"$error":"#REF!"}},null,null,{"$f":"SUM(AY9:AY112)","v":{"$error":"#REF!"}},null,null,null,null,null,"Total Disbursements",{"$f":"-SUM(BF9:BF112)+BI116","v":1858144.9840796054},null,null,{"$f":"SUM(BI9:BI112)","v":0}]
[]
[null,null,null,null,"Total Taxes Owed",{"$f":"SUM(F110:F116)","v":0},"Total Taxes Owed",{"$f":"SUM(H110:H116)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AL116-AD116","v":-213472.54695265833},null,null,null,null,null,null,null,null,null,{"$f":"AV116-AD116","v":{"$error":"#REF!"}},null,null,null,null,null,null,null,null,null,{"$f":"BF116-AD116","v":238010.72103453474}]
[]
[]
[null,null,null,null,"Sum",{"$f":"SUM(F118,F105,F92,F79)","v":3465},"Taxes owed with contribution",{"$f":"SUM(H118,H105,H92,H79)","v":2265},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(but you're contributing an additional $2,200 a year with this method to get your gains. You could get the same results with the 401k if you just invested $XXX amount (which is probably less))."]
[]
[null,null,null,null,null,null,"Taxes saved each year",{"$f":"F121-H121","v":1200}]
[]
[]
[]
[]
[]
[null,"Taxes at Retirement",null,null,"Traditional",null,"Roth"]
[]
[null,"Single filers 2023",null,null,"Standard deduction",13850]
[null,"Tax rate","From","To","Income per bracket","Taxes owed in each category","Taxable Income","Taxes owed"]
["Single",0.1,0,10275,{"$f":"IF($E$32=\"Single\",IF($E$38>D133,D133,$E$38),0)","v":0},{"$f":"E133*B133","v":0},0,0]
["Single",0.12,10276,41775,{"$f":"IF($E$32=\"Single\",IF($E$38>D134,(D134-D133),($E$38-E133)),0)","v":0},0,0,0]
["Single",0.22,41776,89075,{"$f":"IF($E$32=\"Single\",IF($E$38>D135,(D135-D134),($E$38-E134-E133)),0)","v":0},0,0,0]
["Single",0.24,89076,170050,{"$f":"IF($E$32=\"Single\",IF($E$38>D136,(D136-D135),($E$38-E135-E134-E133)),0)","v":0},0,0,0]
["Single",0.32,170051,215950,{"$f":"IF($E$32=\"Single\",IF($E$38>D137,(D137-D136),($E$38-E136-E135-E134-E133)),0)","v":0},0,0,0]
["Single",0.35,215951,539900,{"$f":"IF($E$32=\"Single\",IF($E$38>D138,(D138-D137),($E$38-E137-E136-E135-E134-E133)),0)","v":0},0,0,0]
["Single",0.37,539901,null,{"$f":"IF($E$32=\"Single\",IF($E$38>D138,($E$38-D138),0),0)","v":0},0,0,0]
[]
[null,null,null,null,"Total Taxes Owed",{"$f":"SUM(F133:F139)","v":0},"Total Taxes Owed",{"$f":"SUM(H133:H139)","v":0}]
[]
[]
[null,"Married filing jointly 2023",null,null,"Standard deduction 2023",27700]
[null,"Tax rate","From","To","Income per bracket","Taxes owed in each category","Taxable Income","Taxes owed"]
["Married",{"$f":"10%","v":0.1},0,20550,{"$f":"IF($E$32=\"Married\",IF($E$38>D146,D146,$E$38),0)","v":20550},{"$f":"E146*B146","v":2055},0,0]
["Married",{"$f":"12%","v":0.12},20551,83550,{"$f":"IF($E$32=\"Married\",IF($E$38>D147,(D147-D146),($E$38-E146)),0)","v":11750},{"$f":"E147*B147","v":1410},0,0]
["Married",{"$f":"22%","v":0.22},83551,178150,{"$f":"IF($E$32=\"Married\",IF($E$38>D148,(D148-D147),($E$38-E147-E146)),0)","v":0},{"$f":"E148*B148","v":0},0,0]
["Married",{"$f":"24%","v":0.24},178151,340100,{"$f":"IF($E$32=\"Married\",IF($E$38>D149,(D149-D148),($E$38-E148-E147-E146)),0)","v":0},{"$f":"E149*B149","v":0},0,0]
["Married",{"$f":"32%","v":0.32},340101,431900,{"$f":"IF($E$32=\"Married\",IF($E$38>D150,(D150-D149),($E$38-E149-E148-E147-E146)),0)","v":0},{"$f":"E150*B150","v":0},0,0]
["Married",{"$f":"35%","v":0.35},431901,647850,{"$f":"IF($E$32=\"Married\",IF($E$38>D151,(D151-D150),($E$38-E150-E149-E148-E147-E146)),0)","v":0},{"$f":"E151*B151","v":0},0,0]
["Married",{"$f":"37%","v":0.37},647851,null,{"$f":"IF($E$32=\"Married\",IF($E$38>D151,($E$38-D151),0),0)","v":0},0,0,0]
[]
[null,null,null,null,"Total Taxes Owed",{"$f":"SUM(F146:F152)","v":3465},"Total Taxes Owed",{"$f":"SUM(H146:H152)","v":0}]
[]
[]
[null,"Married filing separately 2023",null,null,"Standard deduction 2023",13850]
[null,"Tax rate","From","To","Income per bracket","Taxes owed in each category","Taxable Income","Taxes owed"]
["Married filing separately",0.1,0,10275,{"$f":"IF($E$32=\"Married filing separately\",IF($E$38>D159,D159,$E$38),0)","v":0},{"$f":"E159*B159","v":0},0,0]
["Married filing separately",0.12,10276,41775,{"$f":"IF($E$32=\"Married filing separately\",IF($E$38>D160,(D160-D159),($E$38-E159)),0)","v":0},0,0,0]
["Married filing separately",0.22,41776,89075,{"$f":"IF($E$32=\"Married filing separately\",IF($E$38>D161,(D161-D160),($E$38-E160-E159)),0)","v":0},0,0,0]
["Married filing separately",0.24,89076,170050,{"$f":"IF($E$32=\"Married filing separately\",IF($E$38>D162,(D162-D161),($E$38-E161-E160-E159)),0)","v":0},0,0,0]
["Married filing separately",0.32,170051,215950,{"$f":"IF($E$32=\"Married filing separately\",IF($E$38>D163,(D163-D162),($E$38-E162-E161-E160-E159)),0)","v":0},0,0,0]
["Married filing separately",0.35,215951,323925,{"$f":"IF($E$32=\"Married filing separately\",IF($E$38>D164,(D164-D163),($E$38-E163-E162-E161-E160-E159)),0)","v":0},0,0,0]
["Married filing separately",0.37,323926,null,{"$f":"IF($E$32=\"Married filing separately\",IF($E$38>D164,($E$38-D164),0),0)","v":0},0,0,0]
[]
[null,null,null,null,"Total Taxes Owed",{"$f":"SUM(F159:F165)","v":0},"Total Taxes Owed",{"$f":"SUM(H159:H165)","v":0}]
[]
[]
[null,"Head of household 2023",null,null,"Standard deduction 2023",20800]
[null,"Tax rate","From","To","Income per bracket","Taxes owed in each category","Taxable Income","Taxes owed"]
["Head of household",0.1,0,14650,{"$f":"IF($E$32=\"Head of household\",IF($E$38>D172,D172,$E$38),0)","v":0},{"$f":"E172*B172","v":0},0,0]
["Head of household",0.12,14651,55900,{"$f":"IF($E$32=\"Head of household\",IF($E$38>D173,(D173-D172),($E$38-E172)),0)","v":0},0,0,0]
["Head of household",0.22,55901,89050,{"$f":"IF($E$32=\"Head of household\",IF($E$38>D174,(D174-D173),($E$38-E173-E172)),0)","v":0},0,0,0]
["Head of household",0.24,89051,170050,{"$f":"IF($E$32=\"Head of household\",IF($E$38>D175,(D175-D174),($E$38-E174-E173-E172)),0)","v":0},0,0,0]
["Head of household",0.32,170051,215950,{"$f":"IF($E$32=\"Head of household\",IF($E$38>D176,(D176-D175),($E$38-E175-E174-E173-E172)),0)","v":0},0,0,0]
["Head of household",0.35,215951,539900,{"$f":"IF($E$32=\"Head of household\",IF($E$38>D177,(D177-D176),($E$38-E176-E175-E174-E173-E172)),0)","v":0},0,0,0]
["Head of household",0.37,539901,null,{"$f":"IF($E$32=\"Head of household\",IF($E$38>D177,($E$38-D177),0),0)","v":0},0,0,0]
[]
[null,null,null,null,"Total Taxes Owed",{"$f":"SUM(F172:F178)","v":0},"Total Taxes Owed",{"$f":"SUM(H172:H178)","v":0}]
[]
[]
[null,null,null,null,"Sum",{"$f":"SUM(F180,F167,F154,F141)","v":3465},"Taxes owed with contribution",{"$f":"SUM(H180,H167,H154,H141)","v":0}]

{"sheet":"Data","index":1,"n_rows":6,"n_cols":4,"rows_kept":6,"cut":false,"hidden":true,"merged":[]}
[]
[]
[null,null,"Single",13850]
[null,null,"Married",27700]
[null,null,"Married filing separately",13850]
[null,null,"Head of household",20800]