text: EXPLANATION OF RESULTS Based on the assumptions you provided, your $5,500 annual contribution for 35 years could provide as much as $44,723 per year ($3,727 per month) for your anticipated 25-year distribution period. SUMMARY TABLE 401(k) ANALYSIS ACCUMULATION PHASE; ROTH 401(k) (NON-DEDUCTIBLE); 401(k) (DEDUCTIBLE) Annual contribution (before tax); $5,500; $5,500 Adjustment for taxable contributions; -1,320; -0 Total annual contribution (after tax); $4,180; $5,500 Interest rate (accumulation phase); 6%; 6% Term (accumulation phase); 35; 35 Account value at retirement; $493,746; $649,666 DISTRIBUTION PHASE; ROTH 401(k) (NON-DEDUCTIBLE); 401(k) (DEDUCTIBLE) Account value at retirement; $493,746; $649,666 Term (distribution phase); 25; 25 Interest rate (distribution phase); 6%; 6% Annual income before taxes; $38,624; $50,821 Annual income tax; $0; $6,099 After-tax annual income; $38,624; $44,723 After-tax monthly income; $3,219; $3,727 GRAPH Monthly Retirement Income