In 2023, Nitai (age 40) contributes 8 percent of his $72,000 annual salary to a Roth 401(k) account sponsored by his employer, AY Incorporated. AY Incorporated matches employee contributions dollar-for-dollar up to 8 percent of the employee's salary. However, AY matches by contributing to the employee's traditional 401(k) account because the employer contributions are not fully vested to the employee at the time of the contribution. 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 30 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.)

Note: Round your intermediate calculations and final answers to the nearest whole dollar amount.

Table 1:

Future Value of $1

n	1.0%	2.0%	3.0%	3.75%	4.0%	4.25%	5.0%	6.0%	7.0%	8.0%	9.0%	10.0%	11.0%	12.0%	13.0%	14.0%	15.0%	20.0%	25.0%
1	1.01000	1.02000	1.03000	1.03750	1.04000	1.04250	1.05000	1.06000	1.07000	1.08000	1.09000	1.10000	1.11000	1.12000	1.13000	1.14000	1.15000	1.20000	1.25000
2	1.02010	1.04040	1.06090	1.07641	1.08160	1.08681	1.10250	1.12360	1.14490	1.16640	1.18810	1.21000	1.23210	1.25440	1.27690	1.29960	1.32250	1.44000	1.56250
3	1.03030	1.06121	1.09273	1.11677	1.12486	1.13300	1.15763	1.19102	1.22504	1.25971	1.29503	1.33100	1.36763	1.40493	1.44290	1.48154	1.52088	1.72800	1.95313
4	1.04060	1.08243	1.12551	1.15865	1.16986	1.18115	1.21551	1.26248	1.31080	1.36049	1.41158	1.46410	1.51807	1.57352	1.63047	1.68896	1.74901	2.07360	2.44141
5	1.05101	1.10408	1.15927	1.20210	1.21665	1.23135	1.27628	1.33823	1.40255	1.46933	1.53862	1.61051	1.68506	1.76234	1.84244	1.92541	2.01136	2.48832	3.05176
6	1.06152	1.12616	1.19405	1.24718	1.26532	1.28368	1.34010	1.41852	1.50073	1.58687	1.67710	1.77156	1.87041	1.97382	2.08195	2.19497	2.31306	2.98598	3.81470
7	1.07214	1.14869	1.22987	1.29395	1.31593	1.33824	1.40710	1.50363	1.60578	1.71382	1.82804	1.94872	2.07616	2.21068	2.35261	2.50227	2.66002	3.58318	4.76837
8	1.08286	1.17166	1.26677	1.34247	1.36857	1.39511	1.47746	1.59385	1.71819	1.85093	1.99256	2.14359	2.30454	2.47596	2.65844	2.85259	3.05902	4.29982	5.96046
9	1.09369	1.19509	1.30477	1.39281	1.42331	1.45440	1.55133	1.68948	1.83846	1.99900	2.17189	2.35795	2.55804	2.77308	3.00404	3.25195	3.51788	5.15978	7.45058
10	1.10462	1.21899	1.34392	1.44504	1.48024	1.51621	1.62889	1.79085	1.96715	2.15892	2.36736	2.59374	2.83942	3.10585	3.39457	3.70722	4.04556	6.19174	9.31323
11	1.11567	1.24337	1.38423	1.49923	1.53945	1.58065	1.71034	1.89830	2.10485	2.33164	2.58043	2.85312	3.15176	3.47855	3.83586	4.22623	4.65239	7.43008	11.64153
12	1.12683	1.26824	1.42576	1.55545	1.60103	1.64783	1.79586	2.01220	2.25219	2.51817	2.81266	3.13843	3.49845	3.89598	4.33452	4.81790	5.35025	8.91610	14.55192
13	1.13809	1.29361	1.46853	1.61378	1.66507	1.71786	1.88565	2.13293	2.40985	2.71962	3.06580	3.45227	3.88328	4.36349	4.89801	5.49241	6.15279	10.69932	18.18989
14	1.14947	1.31948	1.51259	1.67430	1.73168	1.79087	1.97993	2.26090	2.57853	2.93719	3.34173	3.79750	4.31044	4.88711	5.53475	6.26135	7.07571	12.83918	22.73737
15	1.16097	1.34587	1.55797	1.73709	1.80094	1.86699	2.07893	2.39656	2.75903	3.17217	3.64248	4.17725	4.78459	5.47357	6.25427	7.13794	8.13706	15.40702	28.42171
16	1.17258	1.37279	1.60471	1.80223	1.87298	1.94633	2.18287	2.54035	2.95216	3.42594	3.97031	4.59497	5.31089	6.13039	7.06733	8.13725	9.35762	18.48843	35.52714
17	1.18430	1.40024	1.65285	1.86981	1.94790	2.02905	2.29202	2.69277	3.15882	3.70002	4.32763	5.05447	5.89509	6.86604	7.98608	9.27646	10.76126	22.18611	44.40892
18	1.19615	1.42825	1.70243	1.93993	2.02582	2.11529	2.40662	2.85434	3.37993	3.99602	4.71712	5.55992	6.54355	7.68997	9.02427	10.57517	12.37545	26.62333	55.51115
19	1.20811	1.45681	1.75351	2.01268	2.10685	2.20519	2.52695	3.02560	3.61653	4.31570	5.14166	6.11591	7.26334	8.61276	10.19742	12.05569	14.23177	31.94800	69.38894
20	1.22019	1.48595	1.80611	2.08815	2.19112	2.29891	2.65330	3.20714	3.86968	4.66096	5.60441	6.72750	8.06231	9.64629	11.52309	13.74349	16.36654	38.33760	86.73617
25	1.28243	1.64061	2.09378	2.51017	2.66584	2.83075	3.38635	4.29187	5.42743	6.84848	8.62308	10.83471	13.58546	17.00006	21.23054	26.46192	32.91895	95.39622	264.69780

Table 2:

Future Value of Annuity of $1

n	1.0%	2.0%	3.0%	3.75%	4.0%	4.25%	5.0%	6.0%	7.0%	8.0%	9.0%	10.0%	11.0%	12.0%	13.0%	14.0%	15.0%	20.0%	25.0%
1	1.00000	1.00000	1.00000	1.00000	1.00000	1.00000	1.00000	1.00000	1.00000	1.00000	1.00000	1.00000	1.00000	1.00000	1.00000	1.00000	1.00000	1.00000	1.00000
2	2.01000	2.02000	2.03000	2.03750	2.04000	2.04250	2.05000	2.06000	2.07000	2.08000	2.09000	2.10000	2.11000	2.12000	2.13000	2.14000	2.15000	2.20000	2.25000
3	3.03010	3.06040	3.09090	3.11391	3.12160	3.12931	3.15250	3.18360	3.21490	3.24640	3.27810	3.31000	3.34210	3.37440	3.40690	3.43960	3.47250	3.64000	3.81250
4	4.06040	4.12161	4.18363	4.23068	4.24646	4.26230	4.31013	4.37462	4.43994	4.50611	4.57313	4.64100	4.70973	4.77933	4.84980	4.92114	4.99337	5.36800	5.76563
5	5.10101	5.20404	5.30914	5.38933	5.41632	5.44345	5.52563	5.63709	5.75074	5.86660	5.98471	6.10510	6.22780	6.35285	6.48027	6.61010	6.74238	7.44160	8.20703
6	6.15202	6.30812	6.46841	6.59143	6.63298	6.67480	6.80191	6.97532	7.15329	7.33593	7.52333	7.71561	7.91286	8.11519	8.32271	8.53552	8.75374	9.92992	11.25879
7	7.21354	7.43428	7.66246	7.83861	7.89829	7.95848	8.14201	8.39384	8.65402	8.92280	9.20043	9.48717	9.78327	10.08901	10.40466	10.73049	11.06680	12.91590	15.07349
8	8.28567	8.58297	8.89234	9.13255	9.21423	9.29671	9.54911	9.89747	10.25980	10.63663	11.02847	11.43589	11.85943	12.29969	12.75726	13.23276	13.72682	16.49908	19.84186
9	9.36853	9.75463	10.15911	10.47503	10.58280	10.69182	11.02656	11.49132	11.97799	12.48756	13.02104	13.57948	14.16397	14.77566	15.41571	16.08535	16.78584	20.79890	25.80232
10	10.46221	10.94972	11.46388	11.86784	12.00611	12.14622	12.57789	13.18079	13.81645	14.48656	15.19293	15.93742	16.72201	17.54874	18.41975	19.33730	20.30372	25.95868	33.25290
11	11.56683	12.16872	12.80780	13.31288	13.48635	13.66244	14.20679	14.97164	15.78360	16.64549	17.56029	18.53117	19.56143	20.65458	21.81432	23.04452	24.34928	32.15042	42.56613
12	12.68250	13.41209	14.19203	14.81212	15.02581	15.24309	15.91713	16.86994	17.88845	18.97713	20.14072	21.38428	22.71319	24.13313	25.65018	27.27075	29.00167	39.58050	54.20766
13	13.80933	14.68033	15.61779	16.36757	16.62684	16.89092	17.71298	18.88214	20.14064	21.49530	22.95338	24.52271	26.21164	28.02911	29.98470	32.08865	34.35192	48.49660	68.75958
14	14.94742	15.97394	17.08632	17.98135	18.29191	18.60879	19.59863	21.01507	22.55049	24.21492	26.01919	27.97498	30.09492	32.39260	34.88271	37.58107	40.50471	59.19592	86.94947
15	16.09690	17.29342	18.59891	19.65565	20.02359	20.39966	21.57856	23.27597	25.12902	27.15211	29.36092	31.77248	34.40536	37.27971	40.41746	43.84241	47.58041	72.03511	109.68684
16	17.25786	18.63929	20.15688	21.39274	21.82453	22.26665	23.65749	25.67253	27.88805	30.32428	33.00340	35.94973	39.18995	42.75328	46.67173	50.98035	55.71747	87.44213	138.10855
17	18.43044	20.01207	21.76159	23.19497	23.69751	24.21298	25.84037	28.21288	30.84022	33.75023	36.97370	40.54470	44.50084	48.88367	53.73906	59.11760	65.07509	105.93056	173.63568
18	19.61475	21.41231	23.41444	25.06478	25.64541	26.24203	28.13238	30.90565	33.99903	37.45024	41.30134	45.59917	50.39594	55.74971	61.72514	68.39407	75.83636	128.11667	218.04460
19	20.81090	22.84056	25.11687	27.00471	27.67123	28.35732	30.53900	33.75999	37.37896	41.44626	46.01846	51.15909	56.93949	63.43968	70.74941	78.96923	88.21181	154.74000	273.55576
20	22.01900	24.29737	26.87037	29.01739	29.77808	30.56250	33.06595	36.78559	40.99549	45.76196	51.16012	57.27500	64.20283	72.05244	80.94683	91.02493	102.44358	186.68800	342.94470
25	28.24320	32.03030	36.45926	40.27112	41.64591	43.07648	47.72710	54.86451	63.24904	73.10594	84.70090	98.34706	114.41331	133.33387	155.61956	181.87083	212.79302	471.98108	1054.79118