In 2021, Nitai (age 40) contributes 10 percent of his $127,000 annual salary to a Roth 401(k) account sponsored by his employer. AY Incorporated AY Incorporated matches employee contributions to the employee's traditional 401(k) account dollar-for-dollar up to 10 percent of the employee's salary. Nitai expects to earn a 7 percent before-tax rate of return. Assume he leaves the contributions in the Roth 401(k) and traditional 401(k) accounts until he retires in 20 years and that he makes no additional contributions to either account. What are Nitai's after-tax proceeds from the Roth 401(k) and traditional 401(k) accounts after he receives the distributions, assuming his marginal tax rate at retirement is 30 percent? (Use Table 1. Table 2.) (Round your intermediate calculations and final answers to the nearest whole dollar amount.) Roth 401(k) Traditional 401(k) After tax proceeds from distribution Future Value of $1 Periods 1.05 2.0% 3.0% 3.755 6.25% 5.0% 7.0% 103750 107641 1.11677 1.15865 1.20210 124718 129395 1.34247 1.39281 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 25 30 ommnb 1.01000 1.02010 1.03030 1.04060 1.05101 106152 1.07214 1.08286 1.09369 1.10462 1.11567 1.12683 1.13809 1.14947 1.16097 1.17258 1.18430 1.19615 1.20811 1.22019 1.28243 1 34785 1.02000 104040 106121 1.08243 1.10408 1.12616 1.14869 1.17166 1.19509 121899 1.24337 1.26824 1.29361 131948 1.34587 1.37279 1.40024 1.42825 1.45681 1.48595 1.64061 1.81136 103000 1.06090 1.09273 1.12551 1.15927 1.19405 1.22987 1.26677 1.30477 1.34392 138423 1.42575 1.45853 151259 155797 1.60471 1.65285 1.70243 1.75351 1.80511 2.09378 2.42725 100000 108160 1.12485 1.16986 1.21665 126532 1.31593 136857 1.42331 1.48024 153945 1.60103 166507 173168 180094 149923 1.55565 161378 167430 1.73709 180223 186981 193993 201268 208815 2.51017 3.01747 104250 108681 1.13300 1.18115 123135 120368 1.33824 139511 1.45440 151621 158065 164783 1.71786 179087 186699 194533 202905 211529 2.20519 2.29891 283075 3.48564 105000 1.10250 1.15763 1.21551 1.27628 134010 1.40710 1.47746 1.55133 1.62889 1.71034 1.79586 188565 197993 2.07893 2.18287 2.29202 2.40662 2.52695 2.65330 3.38635 432194 1.06000 112360 1.19102 126248 1.33823 141852 1.50363 1.59385 1.68948 1.79085 1.89830 201220 2.13293 226090 2.39656 2.54035 2.69277 285434 3.02560 3.20714 4.29187 5.74349 107000 1.14490 1.22504 131080 1.40255 1.50073 160578 171819 1.83846 1.96715 2.10485 2.25219 240985 2.57853 2.75903 295216 3.15882 3.37993 3.61653 3.86968 5.42743 7.61226 194790 202582 15 2.19112 2.66584 3.24340 Periods 8.0% 9.0% 10.0% 11.0% 12.05 13.0% 16.0% 20.0% 25.0% 2 3 4 5 5 7 8 9 10 11 12 13 14 15 16 17 18 19 20 25 30 1.08000 1.16640 1.25971 1.36049 1.46933 1.58687 1.71382 1.85093 1.99900 2.15892 233164 251817 2.71962 293719 3.17217 3.42594 3.70002 399602 431570 4.66096 6.84848 10.06266 1.09000 1.18810 1 29503 1.41158 1.53862 167710 182804 1.99256 2.17189 2.36736 2.58043 281266 3.06580 3.34173 3.64248 3.97031 432763 4.71712 5.14166 560441 8.62308 13.26768 1.10000 1.21000 133100 1.46410 1.61051 1.77156 1.94872 2.14359 235795 259374 285312 3.13843 345227 3.79750 4.17725 4,59497 5.05447 5.55992 6.11591 6.72750 10 83471 17.44940 111000 123210 1.36763 151807 1.68506 187041 207616 2.30454 255804 283942 3.15176 3.49845 388378 431044 4.73459 531089 5.89509 654355 7.26334 8.06231 13.58546 22.89230 112000 125440 140493 157352 176234 197382 221068 247596 277308 3.10585 3.47855 3.89590 436349 488711 55 6.13039 6.86604 7.58997 8.51276 9.54629 17.00006 29.95992 1.13000 127990 144290 163047 184244 208195 235261 2.65844 3.00104 339457 3.83586 433452 489801 5.53475 6.25427 706733 7.98608 9,02427 10.19742 1152309 21 23054 39.11590 1.14000 1.29960 1.48154 168896 1.92541 2.1949 2.50227 2.85259 3.25195 3.70722 422623 481790 549241 6.26135 7.13794 813725 927646 10.57517 1205569 13.74349 26.46192 50.95016 15.0% 1.15000 132250 1.52088 1.74901 201136 231306 2.66002 3.05902 351788 404556 4.65239 535025 615279 7.07571 8.13706 9.35762 10.76126 1237545 14 23177 16.36654 32.91895 66 21177 1.20000 1.44000 1.72800 207360 248832 2.98598 3.58318 4.29982 5.15978 6.19174 7.43008 8.91610 10.69932 1283918 15.40702 18.48843 22.18611 26.62333 31.94800 38.33760 95 39622 237.37631 1.25000 1.56250 1.95313 2.44141 3.05176 3.81470 4.76837 5.96046 7.45058 9.31323 11.54153 14.55192 18.18989 22.73737 28.42171 35.52714 4400892 55.51115 69.38894 86.73617 264.69780 307.79357 2.0% 2.05 3.75% 4.0 5.0% 60% 7.0 Future Value of Annuity of 51 Periods 1.09 1,00000 2 201000 3 3.03010 4 406040 5 5.10101 6 6.15202 7 7.21354 8.28567 9.36853 10 10.46221 11 11.56683 12 12.68250 13 13.80933 54 14.94742 15 16.09690 16 17.25786 17 18.43044 18 19.61475 19 20.81090 20 2201900 25 28.24320 30 34.78489 mw 1.00000 202000 306040 4.12161 5.20404 6.30812 7.43428 8.58297 9.75463 10.94972 12.16872 13.41209 1468033 15 97394 17.29342 18.63929 20.01207 21.41231 22.84056 24.29737 32.03030 40.56808 1.00000 2.03000 3.09090 4.18363 5.30914 6.46841 7.66246 8.89234 10.15911 11.46388 12.80780 14.19203 15.61779 17.08632 18.59891 20.15688 21.76159 23.41444 25.11687 26.87037 36.45926 47.57542 1.00000 203750 3.11391 423068 5.38933 6.59143 783861 9.13255 10.47503 11.86784 13.31288 1481212 16.36757 1798135 19.65565 21.39274 23.1997 25.06478 27.00471 29.01739 40.27112 53.79924 1.00000 204000 3.12150 424646 5.41632 6,63298 7.89829 921423 10.58280 12.00611 13.48635 15.02581 16.62684 18.29191 2002359 21.82453 23 69751 2564541 2767123 29.77808 41.64591 S608494 100000 204250 312931 426230 544345 667430 795848 9.29671 10.69182 1214522 12.66244 15.24309 16.29092 18 60879 20.39966 22.25665 2421298 25.24203 28.35732 30.56250 43.07543 3541 100000 205000 315250 431013 552563 6.80191 8.14201 9.51911 11.02656 12.57789 14.20679 15.91713 17.71298 19.59863 21.57856 23.65749 25.84037 28.13238 30.53900 33,06595 47.72710 6643885 1.00000 206000 318360 437462 5.63709 697532 8.39384 9.89747 11.49132 1218079 14.97164 16.86994 18.88214 2101507 23.27597 25.67253 28 21288 30.90565 33.75999 36.78559 54.85451 79.05819 1.00000 2.07000 321490 4.43994 5.75074 7.15329 8.65402 10.25980 11.97799 13.81645 15.78360 17.88845 20.14064 22.55049 25.12902 27.88805 30.84022 33.99903 37.37896 40.99549 63.24904 94.46079 Periods 8.0% 2. 10.0% 11.09 12.0 13.0% 16.04 15.0 20.0% 25.0% 1 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 25 30 1.00000 208000 3.24640 4.50611 5.86660 7.33593 8.92280 10,63663 12.48756 14.48656 15.54549 18.97713 21.49530 24 21492 27.15211 30.32428 33.75023 37.45024 41.44626 45.76196 73.10594 113.28321 1.00000 209000 3.27810 457313 5.98471 7.52333 9.20043 11.02847 13.02104 1519293 17.56029 20.14072 22 95338 26.01919 29.36092 33.00340 36.97370 41.30134 4601846 51.16012 84 70090 136.30754 1.00000 2.10000 3.31000 464100 610510 7.71561 9.48717 11.43589 13.57948 15.93742 18.53117 2138428 24.52271 2797498 31.77248 35.94973 40.54470 45.59917 51 15909 57 27500 98.34706 164 49402 1.00000 2.19000 3.34210 4.70973 6.22780 7.91286 9.78327 1125943 14.16397 16.72201 19.56143 2271319 26.21164 30.09492 3440536 29.18995 44 50084 50.39594 56.93949 5420283 114 41331 199.02088 100000 2.12000 3.37440 4.77933 6.35285 8.11519 10.08901 1229969 14.77566 1754874 2065458 24.13313 2802911 32.39260 3727971 42.75328 48.88362 55.70971 53.43968 7205244 13333387 24133268 100000 2.13000 3.60690 484580 6.48027 832271 10.40466 12.75726 15.41571 75 2181432 25.65018 29 58470 3488271 40.41746 46.67173 52.73906 6172514 70 74941 8094583 155 61956 293 19922 100000 214000 3.43960 492114 6.61010 8.53552 10.73049 13.23276 16 08535 19.33730 23.04452 27.27075 32.03855 3758107 43.34241 0 59.11750 68.39407 78.96923 9102490 18187083 356.78685 100000 2. 15000 3.47250 499337 6.74238 8.75374 11.06680 13.72682 16.78584 20 30372 24.34928 29.00167 34.35192 40 50471 4758041 55.71747 65.07509 75.83636 38.21181 102.44358 212.79302 434.74515 1.00000 220000 364000 535800 7.44160 992992 1291590 16.49908 20.79890 25.95868 32.15042 39.58050 48.49660 59. 19592 72.00511 87.44213 105 93056 128. 11667 154.74000 18668800 471.98108 118188157 1.00000 2.25000 3.81250 5.76563 8.20703 11.25879 15.07349 19.84186 25.80232 33.25290 4256613 54.20766 68 75958 86 94947 109.68684 138. 10855 173,63568 218.04460 273,55576 342 94470 105479118 3227.17427