If there is an existing balance in this account, enter it here.Partial years are allowed. For 12 1/2 years enter 12.5If you want your monthly deposits to increase each year you can specify either a percentage or dollar amount by which to increase your monthly deposit.The interest rate can be entered as either a pre-tax or after-tax rate. To enter an after-tax rate subtract out the portion of the interest rate that will be paid in taxes. For example, if the pre-tax rate is 4% and the marginal tax rate is 25%, subtract 1% (25% of 4%) from the pre-tax rate to arrive at an after-tax interest rate of 3%.
