Where does the program assume personal savings contributions comes from?
Here are the rules the program uses for making contributions in any given year: Profit Sharing is an employer contribution, so it will be made in full no matter what your income may be. Personal Savings, 401-K, IRA, Non-Deductible IRA, and Roth IRA are individual contributions, so they only are made if the income inputs for that year will support them. The income that supports the 401-K, IRA, Non-Deductible IRA, and Roth IRA contributions is the sum of the following items on the DetailedInputs sheet: Earnings and Other Taxable Income. If the sum of these contributions exceeds the sum of these income inputs, then the contributions will be reduced. These reductions are made in the following order: Roth IRA, Non-Deductible IRA, IRA, and 401-K. The net income that supports the Personal Savings contributions is the sum of Earnings, Other Taxable Income, Social Security, and Tax-Exempt Income, minus the sum of Annual Expenses, unpaid taxes from the previous year, management fees, and the tax
