In 2018, Nina contributes 13 percent of her $117,000 annual salary to her 401(k) account. She expects to earn a 6 percent before-tax rate of return. Assuming she leaves this (and any employer contributions) in the account until she retires in 20 years, what is Ninas after-tax accumulation from her 2018 contributions to her 401(k) account? (Use Table 3, Table 4.) (Round your intermediate calculations and final answers to the nearest whole dollar amount.)

b. Assume Ninas marginal tax rate at retirement is 20 percent.

Present Value of Annuity of $1 2.0 % Periods 1.0% 3.0% 3.75% 4.0% 4.25% 5.0% 6.0% 7.0% 1 0.99010 0.98039 0.97087 0.96386 0.96154 0.95923 0.95238 0.94340 0.93458 1.85941 1.97040 1.94156 1.91347 1.89287 1,88609 1.87936 183339 1.80802 267301 3 2.94099 2.88388 2.77509 2.62432 2.82861 2.78831 276198 2.72325 360861 4 3.90197 3.80773 3.71710 3.65138 3.62990 3.54595 3.46511 3.38721 5 4.85343 471346 4.57971 4.48326 4.45182 4.42073 4.32948 4.21236 4.10020 5.60143 5.28507 519974 5.79548 541719 5.24214 5.07569 491732 4,76654 6.72819 6.47199 6.23028 6.05790 6.00205 5.94699 5.78637 5.58238 5.38929 8 7.65168 7.32548 7.01969 6.80280 6.73274 6.66378 6.20979 5.97130 6.46321 6.51523 8.56602 8.16224 7.78611 7.52077 743533 7.35135 7.10782 6.80169 10 9.47130 8.98259 8.53020 8.21279 8.11090 8.01089 7.72173 7.36009 7.02358 11 10.36763 7.88687 7.49867 8.76048 9.78685 9.25262 8.87979 8.64354 8.30641 12 11.25508 9.95400 9.25039 8.86325 8.38384 7.94269 10.57534 9.52269 9.38507 13 12.13374 1134837 10.63496 10.14236 9.98565 9.83251 9.39357 8.85268 8.35765 13.00370 12.10625 11.29607 10.73962 10.56312 10.39090 9.89864 9.29498 8.74547 14 13.86505 12.84926 15 11.93794 11.31530 11.11839 10.92652 10.37966 9.71225 9.10791 14.71787 13.57771 12.56110 11.87017 11.65230 11.44031 10.83777 16 10.10590 9.44665 15.56225 14.29187 17 13.16612 12.40498 12.16567 11.93315 11.27407 10.47726 9.76322 16.39827 14.99203 12.40590 11.68959 13.75351 12.92046 12.65930 18 10.82760 10.05909 17.22601 15.67846 14.32380 13.41731 13.13394 12.85938 12.08532 19 11.15812 10.33560 18.04555 16.35143 14.87747 13.89620 13.59033 13.29437 12.46221 20 1146992 10.59401 22.02316 19.52346 17.41315 16.04320 15.62208 15.21734 14.09394 12.78336 25 11.65358 25.80771 22.39646 19.60044 17.82925 17.29203 16.77902 15.37245 30 13.76483 12.40904 9.0 % 12.0 % 13.0 % 15.0 % 20.0 % 25.0 % 8.0 % 11.0% 14.0% Periods 10.0% 0.92593 0.91743 0.90909 090090 0.89286 0.88496 087719 086957 0.83333 0.80000 1.78326 1.52778 1.75911 1.73554 1.71252 1.69005 1.66810 1.64666 1.62571 1,44000 3 2.10648 2.57710 2.53129 2.48685 2.4437 2.40183 2.36115 2.32163 2.28323 1.95200 3.16987 4 3.31213 3.23972 3.10245 3.03735 2.97447 2.91371 2.85498 2.58873 2.36160 3.88965 3.99271 3.79079 369590 3.60478 3.51723 3.43308: 3.35216 2.99061 2.68928 4.35526 4.23054 4.62288 448592 4.1114 3.99755 3.88867 3.78448 3.32551 2.95142 7 5.20637 503295 486842 4.71220 4.56376 4.42261 4.28830 4.16042 3.60459 3.16114 3.32891 5.74664 5.53482 5.33493 5.14612 4.96764 4,79877 4.63886 4,48732 3.83716 6.24689 5.32825 9 5.99525 5.75902 553705 5.13166 4.94637 4.77158 4.03097 3.46313 5.42624 4.19247 10 6.71008 6.41766 6.14457 5.88923 5.65022 5.21612 5.01877 3.57050 6.80519 649506 6.20652 5.93770 5.68694 432706 3.65640 11 7.13896 5.45273 5.23371 7.16073 4.43922 3.72512 12 7.53608 681369 6.49236 6.19437 591765 5.66029 5.42062 6.12181 7.90378 7.48690 453268 3.78010 13 7.10336 6.74987 6.42355 5.84235 5.58315 6.00207 7.78615 7.36669 6.62817 6.30249 4.61057 382408 14 8.24424 6.98187 5.72448 3.85926 15 8.55948 8.06069 7.60608 7.19087 6.81086 646238 6.14217 5.84737 4.67547 472956 3.88741 8.85137 8.31256 7.82371 16 7.37916 6.97399 6.60388 6.26506 5.95423 17 9.12164 8.54363 8.02155 7.54879 7.11963 6.72909 6.37286 6.04716 4.77463 390993 8.2014 9.37189 8.75563 481219 3.92794 18 7.70162 7.24967 6.83991 6.46742 6.12797 8.95011 7.36578 6.19823 484350 3.94235 19 9.60360 8.36492 7.83929 6.93797 6.55037 486958 20 9.81815 9.12855 8.51356 7.96333 7.46944 7.02475 6.62313 6.25933 3.95388 9.82258 494759 3.98489 25 10.67478 9.07704 8.42174 7.84314 7.32998 6.87293 6.46415 Present Value of $1 1.0 % 3.0 % 7.0 % Periods 2.0% 3.75% 4.0% 4.25% 5.0% 6.0 % 0.97087 0.94340 0.99010 0.98039 0.96386 0.96154 0.95923 0.95238 0.93458 0.98030 0.96117 0.94260 0.92902 0.92456 0.92013 0.90703 0.89000 0.87344 0.97059 0.94232 091514 0.89544 0.88900 0.88262 0.86384 0.83962 0.81630 4 0.86307 0.96098 0.92385 088849 0.85480 0.84663 0.82270 0.79209 076290 0.95147 0.90573 0.86261 083188 0.82193 0.81212 0.78353 0.74726 0.71299 0.80181 0.94205 0.88797 0.79031 0.77901 0.74622 0.83748 070496 0.66634 0.87056 077283 0.93272 0.81309 0.75992 0.74725 0.71068 0.66506 0.62275 0.58201 8 0.71679 0.92348 0.85349 078941 0.74490 0.73069 0.67684 0.62741 0.91434 0.83676 076642 0.71797 0.70259 0.68757 0.64461 0.59190 0.54393 10 0.67556 0.90529 0.82035 074409 0.69202 0.65954 0.61391 0.55839 0.50835 11 0.66701 0.63265 0.58468 0.52679 0.47509 0.89632 0.80426 0.72242 0.64958 12 0.60686 049697 0.44401 0.88745 0.78849 0.70138 0.64290 0.62460 0.55684 13 0.46884 0.41496 0.87866 0.77303 0.68095 0.61966 0.60057 0.58212 0.53032 0.66112 0.50507 14 0.86996 0.59726 0.57748 0.44230 0.38782 0.75788 0.55839 15 0.86135 0.64186 0.57568 0.55526 0.48102 0.41727 0.36245 0.74301 0.53562 16 0.85282 0.72845 0.51379 0.39365 0.33873 0.62317 0.55487 0.53391 0.45811 0.31657 17 0.37136 0.84438 0.71416 0.60502 0.53481 0.51337 0.49284 0.43630 18 0.83602 0.70016 0.58739 0.51548 0.49363 0.47275 0.41552 0.35034 0.29586 19 0.49685 047464 0.33051 0.27651 0.82774 0.68643 0.57029 045348 0.39573 20 0.31180 0.25842 0.81954 0.67297 0.55368 0.47889 0.45639 0.43499 0.37689 25 0.23300 0.77977 0.60953 0.47761 0.39838 0.37512 0.35326 0.29530 0.18425 30 0.74192 0.33140 0.17411 0.13137 0.55207 0.41199 0.30832 0.28689 0.23138 8.0 % 11.0 % 12.0 % 15.0 % 25.0 % Periods 20.0 % 9.0% 10.0% 13.0% 14.0% 1 0.92593 0.91743 0.90909 0.90090 0.89286 0.88496 087719 0.86957 0.83333 0.80000 0.85734 0.84168 0.82645 081162 0.79719 0.78315 0.76947 0.75614 0.69444 0.64000 0.79383 0.77218 3 0.75131 073119 071178 0.69305 0.67497 0.65752 0.57870 0.51200 4 0.70843 0.73503 068301 0.65873 0.63552 0.61332 0.59208 0.57175 0.48225 0.40960 0.59345 0.68058 0.64993 0.62092 0.56743 0.54276 0.51937 0.49718 0.40188 0.32768 6 0.63017 0.59627 0.56447 0.53464 0.50663 0.48032 0.45559 0.43233 0.33490 0.26214 0.48166 0.58349 0.54703 0.51316 0.45235 0.42506 0.39964 0.37594 0.27908 0.20972 8 0.40388 0.54027 0.50187 0.46651 0.43393 0.37616 0.35056 0.32690 0.23257 0.16777 0.50025 0.46043 0.42410 0.39092 0.36061 0.33288 0.30751 0.28426 0.19381 0.13422 0.38554 0.10737 0.08590 10 0.46319 0.42241 0.35218 0.32197 0.29459 0.26974 0.24718 0.16151 0.31728 11 042888 0.38753 0.35049 0.28748 0.26070 0.23662 021494 0.13459 0.35553 0.23071 12 0.39711 031863 0.28584 0.25668 0.20756 0.18691 0.11216 006872 016253 13 0.36770 0.32618 0.28966 0.2575 0.22917 0.20416 0.18207 0.09346 005498 14 0.34046 0.29925 0.26333 0.23199 0.20462 0.18068 0.15971 014133 007789 004398 15 0.31524 0.27454 0.23939 0.20900 0.18270 0.15989 0.14010 012289 0.06491 003518 16 0.25187 0.21763 0.18829 0.16312 0.14150 0.12289 0.10686 0.05409 002815 0.29189 0.23107 0.14564 0.02252 17 0.27027 0.19784 0.16963 0.12522 0.10780 0.09293 0.04507 001801 18 0.25025 0.21199 0.17986 0.15282 0.13004 0.11081 0.09456 008081 0.03756 19 0.23171 0.19449 016351 0.13768 0.11611 0.09806 0.08295 007027 0.03130 001441 0.21455 0.10367 20 0.17843 0.14864 0.12403 0.08678 0.07276 006110 0.02608 0.01153 25 0.14602 0.11597 0.09230 0.07361 0.05882 0.04710 0.03779 003038 0.01048 000378