| Year | Starting Balance | Earnings | Non-Smoking Savings | Ending Balance |
|---|---|---|---|---|
| 1 | 0.00 | 0.00 | 875.00 | 875.00 |
| 2 | 875.00 | 91.88 | 875.00 | 1841.88 |
| 3 | 1841.88 | 193.40 | 875.00 | 2910.27 |
| 4 | 2910.27 | 305.58 | 875.00 | 4090.85 |
| 5 | 4090.85 | 429.54 | 875.00 | 5395.39 |
| 6 | 5395.39 | 566.52 | 875.00 | 6836.91 |
| 7 | 6836.91 | 717.88 | 875.00 | 8429.78 |
| 8 | 8429.78 | 885.13 | 875.00 | 10189.91 |
| 9 | 10189.91 | 1069.94 | 875.00 | 12134.85 |
| 10 | 12134.85 | 1274.16 | 875.00 | 14284.01 |