GIN MGUING BOT 018-6 8. Calculating Retirement Amount. Calculate how much you would have in 10 years if you saved $2,000 a year at an annual rate of 10 percent with the company contributing $500 a year. 018-6 9. Calculating Net Pay and Spendable Income. Assume your gross pay per pay period is $2,000 and you are in the 33 percent tax bracket. Calculate your net pay and spendable income if you save $200 per pay period after paying income tax on $2,000