Based on the assumptions you provided, your $32,500 annual contribution for 8 years could provide as much as $29,660 per year ($2,472 per month) for your anticipated 20 year distribution period.<table class='pure-table' role='grid'><tr><th colspan='3' class='section'>401(k) Analysis</th></tr><tr><th class='section'>Accumulation Phase</th><th scope="col">Roth 401(k) (Non-Deductible)</th><th scope="col">401(k) (Deductible)</th></tr><tr><td>Annual contribution (before tax)</td><td>$32,500</td><td>$32,500</td></tr><tr><td>Adjustment for taxable contributions*</td><td>$-8,125</td><td>$-0</td></tr><tr><td>Total annual contribution (after tax)</td><td>$24,375</td><td>$32,500</td></tr><tr><td>Interest rate (accumulation phase)</td><td>8.00%</td><td>8.00%</td></tr><tr><td>Term (accumulation phase)</td><td>8</td><td>8</td></tr><tr><td><b>Account value at retirement</b></td><td><b>$280,009</b></td><td><b>$373,346</b></td></tr><tr><th class='section'>Distribution Phase</th><th scope="col">Roth 401(k) (Non-Deductible)</th><th scope="col">401(k) (Deductible)</th></tr><tr><td>Account value at retirement</td><td>$280,009</td><td>$373,346</td></tr><tr><td>Term (distribution phase)</td><td>20</td><td>20</td></tr><tr><td>Interest rate (distribution phase)</td><td>8.00%</td><td>8.00%</td></tr><tr><td>Annual income before taxes</td><td>$28,520</td><td>$38,026</td></tr><tr><td>Annual income tax</td><td>$0</td><td>$8,366</td></tr><tr><td><b>After-tax annual income</b></td><td><b>$28,520</b></td><td><b>$29,660</b></td></tr><tr><td><b>After-tax monthly income</b></td><td><b>$2,377</b></td><td><b>$2,472</b></td></tr></table> <div id="chart1Container">Chart will load here</div> <script type="text/javascript"> <!-- var myChart1 = new FusionCharts( "MSColumn2D", "myChart1Id", "100%", "100%", "0", "1" ); myChart1.setXMLData("<chart showValues='1' showFCMenuItem='0' decimals='0' formatNumberScale='0' caption='Monthly Retirement Income' xAxisName='' numberPrefix='$' bgColor='FFFFFF' showBorder='1' borderColor='FFFFFF' borderThickness='1' canvasBgColor='ffffff' showAlternateHGridColor='0' plotGradientColor=''><categories><category label='' /></categories><dataset seriesName='Roth 401(k) Non-Deductible'><set value='2377.0' /></dataset><dataset seriesName='401(k) Deductible'><set value='2472.0' /></dataset></chart>"); // --> </script> * Actual contribution levels to non-deductible accounts have been reduced to reflect the effects of making after-tax contributions.