Calculate how much you would have in 15 years if you saved $4,000 a year at an annual rate of 6 percent with the company contributing $1.000 a year. Use Exhibit 1-B. (Round time value factor to 3 decimal places and answer to 2 decimal places.) Future value Assume your gross pay per pay period is $2,600.00 and you are in the 28 percent tax bracket Calculate your net pay and spendable Income if you save $260.00 per pay period in a tax-sheltered annuity. (Do not round intermediate calculations. Round your answers to the nearest whole dollar.) Net Pay & Spendable Income Net pay Spendable income