Based on the assumptions you provided, your $0 annual contribution for 4 years could provide as much as $0 per year ($0 per month) for your anticipated 20-year distribution period.<table class='pure-table' role='grid'><tr><th colspan='5' class='section'>IRA Analysis</th></tr><tr><th class='section'>Accumulation Phase</th><th scope="col">Taxable Investment</th><th scope="col">Traditional IRA (Non-Deductible)</th><th scope="col">Traditional IRA (Deductible)</th><th scope="col">Roth IRA</th></tr><tr><td>Annual contribution (before tax)</td><td>$0</td><td>$0</td><td>$0</td><td>$0</td></tr><tr><td>Adjustment for taxable contributions*</td><td>$-0</td><td>$-0</td><td>$-0</td><td>$-0</td></tr><tr><td>Annual contribution (after tax)</td><td>$0</td><td>$0</td><td>$0</td><td>$0</td></tr><tr><td>Hypothetical rate of return (accumulation phase)</td><td>6.00%</td><td>8.00%</td><td>8.00%</td><td>8.00%</td></tr><tr><td>Term (years in accumulation phase)</td><td>4</td><td>4</td><td>4</td><td>4</td></tr><tr><td>Account value at retirement</td><td>$0</td><td>$0</td><td>$0</td><td>$0</td></tr><tr><th class='section'>Distribution Phase</th><th scope="col">Taxable Investment</th><th scope="col">Traditional IRA (Non-Deductible)</th><th scope="col">Traditional IRA (Deductible)</th><th scope="col">Roth IRA</th></tr><tr><td>Account value at retirement</td><td>$0</td><td>$0</td><td>$0</td><td>$0</td></tr><tr><td>Term (years in distribution phase)</td><td>20</td><td>20</td><td>20</td><td>20</td></tr><tr><td>Hypothetical rate of return (distribution phase)</td><td>6.00%</td><td>8.00%</td><td>8.00%</td><td>8.00%</td></tr><tr><td>Annual income before taxes</td><td>$0</td><td>$0</td><td>$0</td><td>$0</td></tr><tr><td>Annual income tax</td><td>$0</td><td>$0</td><td>$0</td><td>$0</td></tr><tr><td>After-tax annual income</td><td>$0</td><td>$0</td><td>$0</td><td>$0</td></tr><tr><td>After-tax monthly income</td><td>$0</td><td>$0</td><td>$0</td><td>$0</td></tr></table> <div id="chart1Container">Chart will load here</div> <script type="text/javascript"> <!-- var myChart1 = new FusionCharts( "MSColumn2D", "myChart1Id", "100%", "100%", "0", "1" ); myChart1.setXMLData("<chart showValues='1' showFCMenuItem='0' decimals='0' formatNumberScale='0' caption='Monthly Retirement Income' xAxisName='' numberPrefix='$' bgColor='FFFFFF' showBorder='1' borderColor='FFFFFF' borderThickness='1' canvasBgColor='E6E3CF' palette='2' numberSuffix='' thousandSeparator=',' decimalSeparator='.'><categories><category label='' /></categories><dataset seriesName='Taxable Investment' color='EEAA28'><set value='0.0' /></dataset><dataset seriesName='Traditional IRA Non-Deductible' color='B46226'><set value='0.0' /></dataset><dataset seriesName='Traditional IRA Deductible' color='4B7F80'><set value='0.0' /></dataset><dataset seriesName='Roth IRA' color='76B5CB'><set value='0.0' /></dataset></chart>"); // --> </script> * Actual contribution levels to non-deductible accounts have been reduced to reflect the effects of making after-tax contributions.