its a pleasure 
- glad it is still helping out there
you have a few really odd entries there lol.
i don't believe it is a bug, i checked through the monthly calculations and seems to match. but yes - if you manage to earn a 5 bar salary, without having anything invested then there is bigger problems afloat 
lol yeah I don't have the "problem" of a 5 mil salary and no investments
Why do scenario 3 and 4 arrive at different values? With 5 mil salary, my intuition is that the 27.5% RA contribution and the R33,000 TFSA contribution will both "fit" into the salary available for investment. In both scenarios, I had thought the final number would be identical as both RA and TFSA get "saturated" by the massive salary (i.e. it doesn't matter if you go into TFSA first or RA first, as there is "plenty" of salary to go around and fill up both).
Actually, I think I might know the answer since you mentioned the monthly calculations (had a closer look at them). With scenario 3 (TFSA first) the TFSA contribution is done in the first month of each year, whereas with scenario 4 (RA first) it goes in a few months later.
Could that still be a slight error then? It seems the first month of contributions are taken into account at the end of the 1 year period (in the image). I.e. 1 year is actually considering 13 months, and therefore catches an extra 33,000 in the "RA first" scenario. In the
Max TFSA then RA then equity sheet
G29=OFFSET($J$283,D3*12,0,1,1) - this should maybe be
G29=OFFSET($J$283,D3*12
-1,0,1,1)
I am still wrapping my head around all this stuff. I see you have a cool optimization in that monthly section where the SARS return from RA contributions gets plugged directly back into the next year's RA – smart! I am learning a lot, thanks again!
