RRSP / TFSA / Non‑Registered Drawdown — CPP + Brackets

Marginal tax optimizer with NB/CA brackets and **CPP x2 monthly** modeled as taxable income. Compare scenarios A/B/C.

Assumptions — Scenario A

Current age

Retirement age

Plan to age

Inflation (CPI) %

Desired annual spending (today's $)

Starting Balances & Returns

RRSP balance

RRSP return %

TFSA balance

TFSA return %

Non‑Reg balance

Non‑Reg cost basis

Interest return % (taxed yrly)

Capital gains return %

RRSP contrib (pre‑ret) / yr

TFSA contrib (pre‑ret) / yr

Non‑Reg contrib (pre‑ret) / yr

Pensions / CPP (today's $)

CPP #1 start age

CPP #1 monthly

CPP #2 start age

CPP #2 monthly

Other pension start age

Other pension amount (annual)

Second pension start age

Second pension amount (annual)

Taxes & Strategy — Scenario A

Use brackets (NB/CA)

Auto optimize withdrawals

Capital gains inclusion %

Fallback effective tax % (when brackets OFF)

If auto OFF: RRSP→TFSA→Non‑Reg

Bracket Tables (optional JSON override)

Keep empty to use built‑in defaults. Provide JSON with keys federal/nb {brackets:[{up_to,rate}], bpa, credit_rate}.

Notes: BPA credit applied at federal and NB levels. Update brackets annually for precision. Planner only, not tax advice. 🧮

Assumptions — Scenario B

Current age

Retirement age

Plan to age

Inflation (CPI) %

Desired annual spending (today's $)

Starting Balances & Returns

RRSP balance

RRSP return %

TFSA balance

TFSA return %

Non‑Reg balance

Non‑Reg cost basis

Interest return % (taxed yrly)

Capital gains return %

RRSP contrib (pre‑ret) / yr

TFSA contrib (pre‑ret) / yr

Non‑Reg contrib (pre‑ret) / yr

Pensions / CPP (today's $)

CPP #1 start age

CPP #1 monthly

CPP #2 start age

CPP #2 monthly

Other pension start age

Other pension amount (annual)

Second pension start age

Second pension amount (annual)

Taxes & Strategy — Scenario B

Use brackets (NB/CA)

Auto optimize withdrawals

Capital gains inclusion %

Fallback effective tax % (when brackets OFF)

If auto OFF: RRSP→TFSA→Non‑Reg

Bracket Tables (optional JSON override)

Keep empty to use built‑in defaults. Provide JSON with keys federal/nb {brackets:[{up_to,rate}], bpa, credit_rate}.

Notes: BPA credit applied at federal and NB levels. Update brackets annually for precision. Planner only, not tax advice. 🧮

Assumptions — Scenario C

Current age

Retirement age

Plan to age

Inflation (CPI) %

Desired annual spending (today's $)

Starting Balances & Returns

RRSP balance

RRSP return %

TFSA balance

TFSA return %

Non‑Reg balance

Non‑Reg cost basis

Interest return % (taxed yrly)

Capital gains return %

RRSP contrib (pre‑ret) / yr

TFSA contrib (pre‑ret) / yr

Non‑Reg contrib (pre‑ret) / yr

Pensions / CPP (today's $)

CPP #1 start age

CPP #1 monthly

CPP #2 start age

CPP #2 monthly

Other pension start age

Other pension amount (annual)

Second pension start age

Second pension amount (annual)

Taxes & Strategy — Scenario C

Use brackets (NB/CA)

Auto optimize withdrawals

Capital gains inclusion %

Fallback effective tax % (when brackets OFF)

If auto OFF: RRSP→TFSA→Non‑Reg

Bracket Tables (optional JSON override)

Keep empty to use built‑in defaults. Provide JSON with keys federal/nb {brackets:[{up_to,rate}], bpa, credit_rate}.

Notes: BPA credit applied at federal and NB levels. Update brackets annually for precision. Planner only, not tax advice. 🧮

Balances — A vs B vs C

Withdrawals — A vs B vs C

Total Taxes — A vs B vs C

Year‑by‑Year Tables

Scroll each scenario below

Scenario A

Age	Retired?	Spending	Taxable Pensions incl. CPP	RRSP WD	TFSA WD	Non‑Reg WD	Tax RRSP	Tax Interest	Tax CapGain	RRSP End	TFSA End	Non‑Reg End	Non‑Reg Cost	Total Tax	Unmet Need
40	No	$60,000	$0	$0	$0	$0	$0	$0	$0	$276,410	$132,825	$84,042	$80,000	$0	$0
41	No	$61,320	$0	$0	$0	$0	$0	$0	$0	$304,273	$146,291	$88,288	$80,000	$0	$0
42	No	$62,669	$0	$0	$0	$0	$0	$0	$0	$333,668	$160,431	$92,749	$80,000	$0	$0
43	No	$64,048	$0	$0	$0	$0	$0	$0	$0	$364,679	$175,277	$97,435	$80,000	$0	$0
44	No	$65,457	$0	$0	$0	$0	$0	$0	$0	$397,397	$190,866	$102,358	$80,000	$0	$0
45	No	$66,897	$0	$0	$0	$0	$0	$0	$0	$431,913	$207,235	$107,530	$80,000	$0	$0
46	No	$68,369	$0	$0	$0	$0	$0	$0	$0	$468,329	$224,421	$112,963	$80,000	$0	$0
47	No	$69,873	$0	$0	$0	$0	$0	$0	$0	$506,747	$242,467	$118,670	$80,000	$0	$0
48	No	$71,410	$0	$0	$0	$0	$0	$0	$0	$547,278	$261,416	$124,666	$80,000	$0	$0
49	No	$72,981	$0	$0	$0	$0	$0	$0	$0	$590,038	$281,311	$130,965	$80,000	$0	$0
50	No	$74,586	$0	$0	$0	$0	$0	$0	$0	$635,150	$302,202	$137,582	$80,000	$0	$0
51	No	$76,227	$0	$0	$0	$0	$0	$0	$0	$682,743	$324,137	$144,533	$80,000	$0	$0
52	No	$77,904	$0	$0	$0	$0	$0	$0	$0	$732,954	$347,169	$151,835	$80,000	$0	$0
53	No	$79,618	$0	$0	$0	$0	$0	$0	$0	$785,927	$371,352	$159,507	$80,000	$0	$0
54	No	$81,370	$0	$0	$0	$0	$0	$0	$0	$841,813	$396,745	$167,566	$80,000	$0	$0
55	Yes	$83,160	$47,667	$24,052	$19,761	$0	$0	$17,111	$0	$862,738	$395,833	$176,032	$80,000	$17,111	$0
56	Yes	$84,990	$48,716	$25,375	$19,751	$0	$0	$17,993	$0	$883,418	$394,886	$184,926	$80,000	$17,993	$0
57	Yes	$86,859	$49,788	$26,770	$19,713	$0	$0	$18,912	$0	$903,764	$393,932	$194,270	$80,000	$18,912	$0
58	Yes	$88,770	$50,883	$28,243	$19,620	$0	$0	$19,868	$0	$923,675	$393,028	$204,085	$80,000	$19,868	$0
59	Yes	$90,723	$52,003	$29,796	$19,449	$0	$0	$20,864	$0	$943,042	$392,258	$214,397	$80,000	$20,864	$0
60	Yes	$92,719	$53,147	$31,435	$19,241	$0	$0	$21,902	$0	$961,746	$391,669	$225,229	$80,000	$21,902	$0
61	Yes	$94,759	$54,316	$33,164	$18,993	$0	$0	$22,983	$0	$979,654	$391,309	$236,609	$80,000	$22,983	$0
62	Yes	$96,844	$55,511	$34,988	$18,703	$0	$0	$24,109	$0	$996,623	$391,237	$248,563	$80,000	$24,109	$0
63	Yes	$98,974	$56,732	$36,912	$18,373	$0	$0	$25,289	$0	$1,012,495	$391,507	$261,122	$80,000	$25,289	$0
64	Yes	$101,152	$57,980	$38,942	$18,048	$0	$0	$26,572	$0	$1,027,098	$392,133	$274,315	$80,000	$26,572	$0
65	Yes	$103,377	$59,256	$41,084	$17,674	$0	$0	$27,911	$0	$1,040,245	$393,182	$288,175	$80,000	$27,911	$0
66	Yes	$105,651	$60,559	$43,344	$17,330	$0	$0	$29,390	$0	$1,051,731	$394,644	$302,735	$80,000	$29,390	$0
67	Yes	$107,976	$61,892	$45,727	$17,063	$0	$0	$31,063	$0	$1,061,334	$396,460	$318,031	$80,000	$31,063	$0
68	Yes	$110,351	$63,253	$48,242	$16,746	$0	$0	$32,808	$0	$1,068,812	$398,700	$334,099	$80,000	$32,808	$0
69	Yes	$112,779	$64,645	$50,896	$16,375	$0	$0	$34,631	$0	$1,073,901	$401,441	$350,979	$80,000	$34,631	$0
70	Yes	$115,260	$66,067	$53,695	$15,945	$0	$0	$36,533	$0	$1,076,318	$404,771	$368,713	$80,000	$36,533	$0
71	Yes	$117,796	$67,520	$56,648	$15,454	$0	$0	$38,520	$0	$1,075,751	$408,783	$387,342	$80,000	$38,520	$0
72	Yes	$120,387	$69,006	$59,764	$14,896	$0	$0	$40,596	$0	$1,071,866	$413,581	$406,912	$80,000	$40,596	$0
73	Yes	$123,036	$70,524	$63,051	$14,267	$0	$0	$42,763	$0	$1,064,300	$419,279	$427,472	$80,000	$42,763	$0
74	Yes	$125,742	$72,076	$66,519	$13,563	$0	$0	$45,029	$0	$1,052,660	$426,002	$449,070	$80,000	$45,029	$0
75	Yes	$128,509	$73,661	$70,177	$12,779	$0	$0	$47,396	$0	$1,036,519	$433,884	$471,759	$80,000	$47,396	$0
76	Yes	$131,336	$75,282	$74,037	$11,908	$0	$0	$49,871	$0	$1,015,418	$443,075	$495,595	$80,000	$49,871	$0
77	Yes	$134,225	$76,938	$78,109	$11,005	$0	$0	$52,518	$0	$988,861	$453,674	$520,634	$80,000	$52,518	$0
78	Yes	$137,178	$78,631	$82,405	$10,131	$0	$0	$55,411	$0	$956,311	$465,721	$546,939	$80,000	$55,411	$0
79	Yes	$140,196	$80,360	$86,937	$9,254	$0	$0	$58,529	$0	$917,189	$479,290	$574,574	$80,000	$58,529	$0
80	Yes	$143,280	$82,128	$91,719	$8,439	$0	$0	$61,950	$0	$870,871	$494,393	$603,604	$80,000	$61,950	$0
81	Yes	$146,433	$83,935	$96,763	$7,541	$0	$0	$65,542	$0	$816,684	$511,195	$634,101	$80,000	$65,542	$0
82	Yes	$149,654	$85,782	$102,085	$6,539	$0	$0	$69,302	$0	$753,901	$529,888	$666,139	$80,000	$69,302	$0
83	Yes	$152,947	$87,669	$107,700	$5,419	$0	$0	$73,237	$0	$681,742	$550,693	$699,796	$80,000	$73,237	$0
84	Yes	$156,311	$89,598	$113,624	$4,151	$0	$0	$77,357	$0	$599,365	$573,869	$735,153	$80,000	$77,357	$0
85	Yes	$159,750	$91,569	$119,873	$2,757	$0	$0	$81,671	$0	$505,864	$599,668	$772,296	$80,000	$81,671	$0
86	Yes	$163,265	$93,583	$126,466	$1,230	$0	$0	$86,189	$0	$400,265	$628,359	$811,317	$80,000	$86,189	$0
87	Yes	$166,857	$95,642	$133,422	$0	$0	$0	$91,144	$0	$281,520	$659,777	$852,308	$80,000	$91,144	$0
88	Yes	$170,527	$97,746	$140,760	$0	$0	$0	$96,505	$0	$148,502	$692,766	$895,371	$80,000	$96,505	$0
89	Yes	$174,279	$99,897	$148,502	$0	$0	$0	$102,122	$0	$0	$727,405	$940,610	$80,000	$102,122	$0
90	Yes	$178,113	$102,094	$0	$76,019	$0	$0	$32,782	$0	$0	$683,955	$988,134	$80,000	$32,782	$0
91	Yes	$182,032	$104,341	$0	$77,691	$0	$0	$34,040	$0	$0	$636,577	$1,038,060	$80,000	$34,040	$0
92	Yes	$186,036	$106,636	$0	$79,400	$0	$0	$35,334	$0	$0	$585,036	$1,090,508	$80,000	$35,334	$0
93	Yes	$190,129	$108,982	$0	$81,147	$0	$0	$36,667	$0	$0	$529,083	$1,145,606	$80,000	$36,667	$0
94	Yes	$194,312	$111,380	$0	$82,932	$0	$0	$38,037	$0	$0	$468,458	$1,203,487	$80,000	$38,037	$0
95	Yes	$198,587	$113,830	$0	$84,757	$0	$0	$39,448	$0	$0	$402,886	$1,264,294	$80,000	$39,448	$0

Scenario B

Age	Retired?	Spending	Taxable Pensions incl. CPP	RRSP WD	TFSA WD	Non‑Reg WD	Tax RRSP	Tax Interest	Tax CapGain	RRSP End	TFSA End	Non‑Reg End	Non‑Reg Cost	Total Tax	Unmet Need
40	No	$60,000	$0	$0	$0	$0	$0	$0	$0	$276,410	$132,825	$84,042	$80,000	$0	$0
41	No	$61,320	$0	$0	$0	$0	$0	$0	$0	$304,273	$146,291	$88,288	$80,000	$0	$0
42	No	$62,669	$0	$0	$0	$0	$0	$0	$0	$333,668	$160,431	$92,749	$80,000	$0	$0
43	No	$64,048	$0	$0	$0	$0	$0	$0	$0	$364,679	$175,277	$97,435	$80,000	$0	$0
44	No	$65,457	$0	$0	$0	$0	$0	$0	$0	$397,397	$190,866	$102,358	$80,000	$0	$0
45	No	$66,897	$0	$0	$0	$0	$0	$0	$0	$431,913	$207,235	$107,530	$80,000	$0	$0
46	No	$68,369	$0	$0	$0	$0	$0	$0	$0	$468,329	$224,421	$112,963	$80,000	$0	$0
47	No	$69,873	$0	$0	$0	$0	$0	$0	$0	$506,747	$242,467	$118,670	$80,000	$0	$0
48	No	$71,410	$0	$0	$0	$0	$0	$0	$0	$547,278	$261,416	$124,666	$80,000	$0	$0
49	No	$72,981	$0	$0	$0	$0	$0	$0	$0	$590,038	$281,311	$130,965	$80,000	$0	$0
50	No	$74,586	$0	$0	$0	$0	$0	$0	$0	$635,150	$302,202	$137,582	$80,000	$0	$0
51	No	$76,227	$0	$0	$0	$0	$0	$0	$0	$682,743	$324,137	$144,533	$80,000	$0	$0
52	No	$77,904	$0	$0	$0	$0	$0	$0	$0	$732,954	$347,169	$151,835	$80,000	$0	$0
53	No	$79,618	$0	$0	$0	$0	$0	$0	$0	$785,927	$371,352	$159,507	$80,000	$0	$0
54	No	$81,370	$0	$0	$0	$0	$0	$0	$0	$841,813	$396,745	$167,566	$80,000	$0	$0
55	Yes	$83,160	$47,667	$24,052	$19,761	$0	$0	$17,111	$0	$862,738	$395,833	$176,032	$80,000	$17,111	$0
56	Yes	$84,990	$48,716	$25,375	$19,751	$0	$0	$17,993	$0	$883,418	$394,886	$184,926	$80,000	$17,993	$0
57	Yes	$86,859	$49,788	$26,770	$19,713	$0	$0	$18,912	$0	$903,764	$393,932	$194,270	$80,000	$18,912	$0
58	Yes	$88,770	$50,883	$28,243	$19,620	$0	$0	$19,868	$0	$923,675	$393,028	$204,085	$80,000	$19,868	$0
59	Yes	$90,723	$52,003	$29,796	$19,449	$0	$0	$20,864	$0	$943,042	$392,258	$214,397	$80,000	$20,864	$0
60	Yes	$92,719	$53,147	$31,435	$19,241	$0	$0	$21,902	$0	$961,746	$391,669	$225,229	$80,000	$21,902	$0
61	Yes	$94,759	$54,316	$33,164	$18,993	$0	$0	$22,983	$0	$979,654	$391,309	$236,609	$80,000	$22,983	$0
62	Yes	$96,844	$55,511	$34,988	$18,703	$0	$0	$24,109	$0	$996,623	$391,237	$248,563	$80,000	$24,109	$0
63	Yes	$98,974	$56,732	$36,912	$18,373	$0	$0	$25,289	$0	$1,012,495	$391,507	$261,122	$80,000	$25,289	$0
64	Yes	$101,152	$57,980	$38,942	$18,048	$0	$0	$26,572	$0	$1,027,098	$392,133	$274,315	$80,000	$26,572	$0
65	Yes	$103,377	$59,256	$41,084	$17,674	$0	$0	$27,911	$0	$1,040,245	$393,182	$288,175	$80,000	$27,911	$0
66	Yes	$105,651	$60,559	$43,344	$17,330	$0	$0	$29,390	$0	$1,051,731	$394,644	$302,735	$80,000	$29,390	$0
67	Yes	$107,976	$61,892	$45,727	$17,063	$0	$0	$31,063	$0	$1,061,334	$396,460	$318,031	$80,000	$31,063	$0
68	Yes	$110,351	$63,253	$48,242	$16,746	$0	$0	$32,808	$0	$1,068,812	$398,700	$334,099	$80,000	$32,808	$0
69	Yes	$112,779	$64,645	$50,896	$16,375	$0	$0	$34,631	$0	$1,073,901	$401,441	$350,979	$80,000	$34,631	$0
70	Yes	$115,260	$66,067	$53,695	$15,945	$0	$0	$36,533	$0	$1,076,318	$404,771	$368,713	$80,000	$36,533	$0
71	Yes	$117,796	$67,520	$56,648	$15,454	$0	$0	$38,520	$0	$1,075,751	$408,783	$387,342	$80,000	$38,520	$0
72	Yes	$120,387	$69,006	$59,764	$14,896	$0	$0	$40,596	$0	$1,071,866	$413,581	$406,912	$80,000	$40,596	$0
73	Yes	$123,036	$70,524	$63,051	$14,267	$0	$0	$42,763	$0	$1,064,300	$419,279	$427,472	$80,000	$42,763	$0
74	Yes	$125,742	$72,076	$66,519	$13,563	$0	$0	$45,029	$0	$1,052,660	$426,002	$449,070	$80,000	$45,029	$0
75	Yes	$128,509	$73,661	$70,177	$12,779	$0	$0	$47,396	$0	$1,036,519	$433,884	$471,759	$80,000	$47,396	$0
76	Yes	$131,336	$75,282	$74,037	$11,908	$0	$0	$49,871	$0	$1,015,418	$443,075	$495,595	$80,000	$49,871	$0
77	Yes	$134,225	$76,938	$78,109	$11,005	$0	$0	$52,518	$0	$988,861	$453,674	$520,634	$80,000	$52,518	$0
78	Yes	$137,178	$78,631	$82,405	$10,131	$0	$0	$55,411	$0	$956,311	$465,721	$546,939	$80,000	$55,411	$0
79	Yes	$140,196	$80,360	$86,937	$9,254	$0	$0	$58,529	$0	$917,189	$479,290	$574,574	$80,000	$58,529	$0
80	Yes	$143,280	$82,128	$91,719	$8,439	$0	$0	$61,950	$0	$870,871	$494,393	$603,604	$80,000	$61,950	$0
81	Yes	$146,433	$83,935	$96,763	$7,541	$0	$0	$65,542	$0	$816,684	$511,195	$634,101	$80,000	$65,542	$0
82	Yes	$149,654	$85,782	$102,085	$6,539	$0	$0	$69,302	$0	$753,901	$529,888	$666,139	$80,000	$69,302	$0
83	Yes	$152,947	$87,669	$107,700	$5,419	$0	$0	$73,237	$0	$681,742	$550,693	$699,796	$80,000	$73,237	$0
84	Yes	$156,311	$89,598	$113,624	$4,151	$0	$0	$77,357	$0	$599,365	$573,869	$735,153	$80,000	$77,357	$0
85	Yes	$159,750	$91,569	$119,873	$2,757	$0	$0	$81,671	$0	$505,864	$599,668	$772,296	$80,000	$81,671	$0
86	Yes	$163,265	$93,583	$126,466	$1,230	$0	$0	$86,189	$0	$400,265	$628,359	$811,317	$80,000	$86,189	$0
87	Yes	$166,857	$95,642	$133,422	$0	$0	$0	$91,144	$0	$281,520	$659,777	$852,308	$80,000	$91,144	$0
88	Yes	$170,527	$97,746	$140,760	$0	$0	$0	$96,505	$0	$148,502	$692,766	$895,371	$80,000	$96,505	$0
89	Yes	$174,279	$99,897	$148,502	$0	$0	$0	$102,122	$0	$0	$727,405	$940,610	$80,000	$102,122	$0
90	Yes	$178,113	$102,094	$0	$76,019	$0	$0	$32,782	$0	$0	$683,955	$988,134	$80,000	$32,782	$0
91	Yes	$182,032	$104,341	$0	$77,691	$0	$0	$34,040	$0	$0	$636,577	$1,038,060	$80,000	$34,040	$0
92	Yes	$186,036	$106,636	$0	$79,400	$0	$0	$35,334	$0	$0	$585,036	$1,090,508	$80,000	$35,334	$0
93	Yes	$190,129	$108,982	$0	$81,147	$0	$0	$36,667	$0	$0	$529,083	$1,145,606	$80,000	$36,667	$0
94	Yes	$194,312	$111,380	$0	$82,932	$0	$0	$38,037	$0	$0	$468,458	$1,203,487	$80,000	$38,037	$0
95	Yes	$198,587	$113,830	$0	$84,757	$0	$0	$39,448	$0	$0	$402,886	$1,264,294	$80,000	$39,448	$0

Scenario C

Age	Retired?	Spending	Taxable Pensions incl. CPP	RRSP WD	TFSA WD	Non‑Reg WD	Tax RRSP	Tax Interest	Tax CapGain	RRSP End	TFSA End	Non‑Reg End	Non‑Reg Cost	Total Tax	Unmet Need
40	No	$60,000	$0	$0	$0	$0	$0	$0	$0	$276,410	$132,825	$84,042	$80,000	$0	$0
41	No	$61,320	$0	$0	$0	$0	$0	$0	$0	$304,273	$146,291	$88,288	$80,000	$0	$0
42	No	$62,669	$0	$0	$0	$0	$0	$0	$0	$333,668	$160,431	$92,749	$80,000	$0	$0
43	No	$64,048	$0	$0	$0	$0	$0	$0	$0	$364,679	$175,277	$97,435	$80,000	$0	$0
44	No	$65,457	$0	$0	$0	$0	$0	$0	$0	$397,397	$190,866	$102,358	$80,000	$0	$0
45	No	$66,897	$0	$0	$0	$0	$0	$0	$0	$431,913	$207,235	$107,530	$80,000	$0	$0
46	No	$68,369	$0	$0	$0	$0	$0	$0	$0	$468,329	$224,421	$112,963	$80,000	$0	$0
47	No	$69,873	$0	$0	$0	$0	$0	$0	$0	$506,747	$242,467	$118,670	$80,000	$0	$0
48	No	$71,410	$0	$0	$0	$0	$0	$0	$0	$547,278	$261,416	$124,666	$80,000	$0	$0
49	No	$72,981	$0	$0	$0	$0	$0	$0	$0	$590,038	$281,311	$130,965	$80,000	$0	$0
50	No	$74,586	$0	$0	$0	$0	$0	$0	$0	$635,150	$302,202	$137,582	$80,000	$0	$0
51	No	$76,227	$0	$0	$0	$0	$0	$0	$0	$682,743	$324,137	$144,533	$80,000	$0	$0
52	No	$77,904	$0	$0	$0	$0	$0	$0	$0	$732,954	$347,169	$151,835	$80,000	$0	$0
53	No	$79,618	$0	$0	$0	$0	$0	$0	$0	$785,927	$371,352	$159,507	$80,000	$0	$0
54	No	$81,370	$0	$0	$0	$0	$0	$0	$0	$841,813	$396,745	$167,566	$80,000	$0	$0
55	Yes	$83,160	$47,667	$24,052	$19,761	$0	$0	$17,111	$0	$862,738	$395,833	$176,032	$80,000	$17,111	$0
56	Yes	$84,990	$48,716	$25,375	$19,751	$0	$0	$17,993	$0	$883,418	$394,886	$184,926	$80,000	$17,993	$0
57	Yes	$86,859	$49,788	$26,770	$19,713	$0	$0	$18,912	$0	$903,764	$393,932	$194,270	$80,000	$18,912	$0
58	Yes	$88,770	$50,883	$28,243	$19,620	$0	$0	$19,868	$0	$923,675	$393,028	$204,085	$80,000	$19,868	$0
59	Yes	$90,723	$52,003	$29,796	$19,449	$0	$0	$20,864	$0	$943,042	$392,258	$214,397	$80,000	$20,864	$0
60	Yes	$92,719	$53,147	$31,435	$19,241	$0	$0	$21,902	$0	$961,746	$391,669	$225,229	$80,000	$21,902	$0
61	Yes	$94,759	$54,316	$33,164	$18,993	$0	$0	$22,983	$0	$979,654	$391,309	$236,609	$80,000	$22,983	$0
62	Yes	$96,844	$55,511	$34,988	$18,703	$0	$0	$24,109	$0	$996,623	$391,237	$248,563	$80,000	$24,109	$0
63	Yes	$98,974	$56,732	$36,912	$18,373	$0	$0	$25,289	$0	$1,012,495	$391,507	$261,122	$80,000	$25,289	$0
64	Yes	$101,152	$57,980	$38,942	$18,048	$0	$0	$26,572	$0	$1,027,098	$392,133	$274,315	$80,000	$26,572	$0
65	Yes	$103,377	$59,256	$41,084	$17,674	$0	$0	$27,911	$0	$1,040,245	$393,182	$288,175	$80,000	$27,911	$0
66	Yes	$105,651	$60,559	$43,344	$17,330	$0	$0	$29,390	$0	$1,051,731	$394,644	$302,735	$80,000	$29,390	$0
67	Yes	$107,976	$61,892	$45,727	$17,063	$0	$0	$31,063	$0	$1,061,334	$396,460	$318,031	$80,000	$31,063	$0
68	Yes	$110,351	$63,253	$48,242	$16,746	$0	$0	$32,808	$0	$1,068,812	$398,700	$334,099	$80,000	$32,808	$0
69	Yes	$112,779	$64,645	$50,896	$16,375	$0	$0	$34,631	$0	$1,073,901	$401,441	$350,979	$80,000	$34,631	$0
70	Yes	$115,260	$66,067	$53,695	$15,945	$0	$0	$36,533	$0	$1,076,318	$404,771	$368,713	$80,000	$36,533	$0
71	Yes	$117,796	$67,520	$56,648	$15,454	$0	$0	$38,520	$0	$1,075,751	$408,783	$387,342	$80,000	$38,520	$0
72	Yes	$120,387	$69,006	$59,764	$14,896	$0	$0	$40,596	$0	$1,071,866	$413,581	$406,912	$80,000	$40,596	$0
73	Yes	$123,036	$70,524	$63,051	$14,267	$0	$0	$42,763	$0	$1,064,300	$419,279	$427,472	$80,000	$42,763	$0
74	Yes	$125,742	$72,076	$66,519	$13,563	$0	$0	$45,029	$0	$1,052,660	$426,002	$449,070	$80,000	$45,029	$0
75	Yes	$128,509	$73,661	$70,177	$12,779	$0	$0	$47,396	$0	$1,036,519	$433,884	$471,759	$80,000	$47,396	$0
76	Yes	$131,336	$75,282	$74,037	$11,908	$0	$0	$49,871	$0	$1,015,418	$443,075	$495,595	$80,000	$49,871	$0
77	Yes	$134,225	$76,938	$78,109	$11,005	$0	$0	$52,518	$0	$988,861	$453,674	$520,634	$80,000	$52,518	$0
78	Yes	$137,178	$78,631	$82,405	$10,131	$0	$0	$55,411	$0	$956,311	$465,721	$546,939	$80,000	$55,411	$0
79	Yes	$140,196	$80,360	$86,937	$9,254	$0	$0	$58,529	$0	$917,189	$479,290	$574,574	$80,000	$58,529	$0
80	Yes	$143,280	$82,128	$91,719	$8,439	$0	$0	$61,950	$0	$870,871	$494,393	$603,604	$80,000	$61,950	$0
81	Yes	$146,433	$83,935	$96,763	$7,541	$0	$0	$65,542	$0	$816,684	$511,195	$634,101	$80,000	$65,542	$0
82	Yes	$149,654	$85,782	$102,085	$6,539	$0	$0	$69,302	$0	$753,901	$529,888	$666,139	$80,000	$69,302	$0
83	Yes	$152,947	$87,669	$107,700	$5,419	$0	$0	$73,237	$0	$681,742	$550,693	$699,796	$80,000	$73,237	$0
84	Yes	$156,311	$89,598	$113,624	$4,151	$0	$0	$77,357	$0	$599,365	$573,869	$735,153	$80,000	$77,357	$0
85	Yes	$159,750	$91,569	$119,873	$2,757	$0	$0	$81,671	$0	$505,864	$599,668	$772,296	$80,000	$81,671	$0
86	Yes	$163,265	$93,583	$126,466	$1,230	$0	$0	$86,189	$0	$400,265	$628,359	$811,317	$80,000	$86,189	$0
87	Yes	$166,857	$95,642	$133,422	$0	$0	$0	$91,144	$0	$281,520	$659,777	$852,308	$80,000	$91,144	$0
88	Yes	$170,527	$97,746	$140,760	$0	$0	$0	$96,505	$0	$148,502	$692,766	$895,371	$80,000	$96,505	$0
89	Yes	$174,279	$99,897	$148,502	$0	$0	$0	$102,122	$0	$0	$727,405	$940,610	$80,000	$102,122	$0
90	Yes	$178,113	$102,094	$0	$76,019	$0	$0	$32,782	$0	$0	$683,955	$988,134	$80,000	$32,782	$0
91	Yes	$182,032	$104,341	$0	$77,691	$0	$0	$34,040	$0	$0	$636,577	$1,038,060	$80,000	$34,040	$0
92	Yes	$186,036	$106,636	$0	$79,400	$0	$0	$35,334	$0	$0	$585,036	$1,090,508	$80,000	$35,334	$0
93	Yes	$190,129	$108,982	$0	$81,147	$0	$0	$36,667	$0	$0	$529,083	$1,145,606	$80,000	$36,667	$0
94	Yes	$194,312	$111,380	$0	$82,932	$0	$0	$38,037	$0	$0	$468,458	$1,203,487	$80,000	$38,037	$0
95	Yes	$198,587	$113,830	$0	$84,757	$0	$0	$39,448	$0	$0	$402,886	$1,264,294	$80,000	$39,448	$0