All Particulars in INR

Assumptions Year 1 Year 2

Mar-20 Mar-21
Fixed Monthly Take Home (After Taxes) 115,000 126,500
Rental 24,000 25,680
Maid + Food + Electricity 5,000 5,350
Commute to Work 5,000 5,350
Send Money Home 0 0
Weekend Expenses (All 4 combined for the month) 10,000 15,000
Quarterly Expenses Like Trip to Goa, etc 15,000 15,000
Quarterly Expenses Like Gifts in Weddings, etc 10,000 15,000
Yearly Expenses Like Trip to Singapore 50,000 50,000
Kids 10,000 10,700
Misc Spends, If any 0 0
Monthly Savings excluding loan 48,500 50,253
Salary Hike Per Year 10% 10%
Escalation in costs (Inflationary Growth) 7% 7%
Education Loan Repayment Monthly 0 0
Any other Loan/Lumpsum Expense. (If loan fill lines 22 and 23)
Reason for above 1st Car (Loan)
Repayment Period for Above Loan (Years)
Interest Rate on Above Loan 10%
Total Monthly Payment for above and Previous Year Loans 0
Extra Loan Repayments if any 0
Monthly Savings after Loan Repayment 48,500 50,253
Yearly Savings after Loan Repayment without Bonus 582,000 603,040
Annual Bonus (% of Fixed Salary, After Taxes) 0% 10%
Annual Bonus on a Monthly Basis 0 12,650
Annual Bonus 150,000 151,800
Annual Savings 732,000 754,840
CAGR on investment 15% 15%
1st Year 732,000 841,800
2nd Year 754,840
3rd Year
4th Year
5th Year
6th Year
7th Year
8th Year
9th Year
10th Year
11th Year
12th Year
13th Year
14th Year
15th Year
Total Savings Till Date 732,000 1,596,640
Notes:
If you want to repay any of your existing loans in a lumpsum payment, just input the amount in column G in the corre
 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9
Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Mar-27 Mar-28
139,150 153,065 168,372 185,209 203,730 224,102 246,513
27,478 29,401 31,459 33,661 36,018 38,539 41,236
5,725 6,125 6,554 7,013 7,504 8,029 8,591
5,725 6,125 6,554 7,013 7,504 8,029 8,591
0 0 0 0 0 0 0
15,000 20,000 20,000 25,000 25,000 30,000 30,000
15,000 20,000 20,000 25,000 25,000 30,000 30,000
15,000 20,000 20,000 25,000 25,000 30,000 30,000
75,000 100,000 100,000 125,000 125,000 150,000 150,000
11,449 12,250 13,108 14,026 15,007 16,058 17,182
0 0 0 0 0 0 0
57,524 57,496 69,030 71,413 85,614 90,948 108,413
10% 10% 10% 10% 10% 10% 10%
7% 7% 7% 7% 7% 7% 7%
0 0 0 0 0 -45,208 0
0
1st Car (Loan)
5
10%
0 0 0 0 0 0 0
0 0 0 0 0 500,000 0
57,524 57,496 69,030 71,413 85,614 136,156 108,413
690,293 689,957 828,358 856,956 1,027,369 1,633,877 1,300,950
10% 10% 10% 10% 10% 10% 10%
13,915 15,307 16,837 18,521 20,373 22,410 24,651
166,980 183,678 202,046 222,250 244,475 268,923 295,815
857,273 873,635 1,030,404 1,079,207 1,271,844 1,402,800 1,596,766
15% 15% 15% 15% 15% 15% 15%
968,070 1,113,281 1,280,273 1,472,313 1,693,160 1,947,135 2,239,205
868,066 998,276 1,148,017 1,320,220 1,518,253 1,745,991 2,007,889
857,273 985,864 1,133,743 1,303,805 1,499,375 1,724,282 1,982,924
873,635 1,004,681 1,155,383 1,328,690 1,527,994 1,757,193
1,030,404 1,184,964 1,362,709 1,567,115 1,802,182
1,079,207 1,241,088 1,427,251 1,641,339
1,271,844 1,462,621 1,682,014
1,402,800 1,613,220
1,596,766

2,693,409 3,971,055 5,597,117 7,515,892 9,915,119 12,805,187 16,322,731

mount in column G in the corresponding loan in the next sheet
 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15
Mar-29 Mar-30 Mar-31 Mar-32 Mar-33 Mar-34
271,164 298,280 328,108 360,919 397,011 436,712
44,123 47,212 50,516 54,053 57,836 61,885
9,192 9,836 10,524 11,261 12,049 12,893
9,192 9,836 10,524 11,261 12,049 12,893
0 0 0 0 0 60,000
35,000 35,000 35,000 35,000 35,000 35,000
35,000 35,000 35,000 35,000 35,000 35,000
35,000 35,000 35,000 35,000 35,000 35,000
175,000 175,000 175,000 200,000 200,000 200,000
18,385 19,672 21,049 22,522 24,098 25,785
0 0 0 0 0 0
117,355 138,809 162,578 186,823 215,978 188,257
10% 10% 10% 10% 10% 0%
7% 7% 7% 7% 7% 7%
0 0 0 0 0 0
0
2nd Car (Direct from Savings)

0 0 0 0 0 0
0 0 0 0 0 0
117,355 138,809 162,578 186,823 215,978 188,257
1,408,261 1,665,709 1,950,939 2,241,874 2,591,736 2,259,082
10% 10% 10% 10% 10% 10%
27,116 29,828 32,811 36,092 39,701 43,671
325,397 357,936 393,730 433,103 476,413 524,055
1,733,658 2,023,645 2,344,669 2,674,977 3,068,150 2,783,136
15% 15% 10% 10% 10% 10%
2,575,085 2,961,348 3,257,483 3,583,231 3,941,555 4,335,710
2,309,073 2,655,434 2,920,977 3,213,075 3,534,382 3,887,821
2,280,363 2,622,417 2,884,659 3,173,125 3,490,437 3,839,481
2,020,772 2,323,887 2,556,276 2,811,904 3,093,094 3,402,403
2,072,509 2,383,386 2,621,725 2,883,897 3,172,287 3,489,515
1,887,540 2,170,670 2,387,738 2,626,511 2,889,162 3,178,079
1,934,316 2,224,463 2,446,909 2,691,600 2,960,760 3,256,836
1,855,203 2,133,483 2,346,832 2,581,515 2,839,666 3,123,633
1,836,280 2,111,722 2,322,895 2,555,184 2,810,702 3,091,773
1,733,658 1,993,707 2,193,078 2,412,385 2,653,624 2,918,986
2,023,645 2,226,010 2,448,611 2,693,472 2,962,819
2,344,669 2,579,136 2,837,050 3,120,755
2,674,977 2,942,475 3,236,722
3,068,150 3,374,964
2,783,136
20,504,799 25,604,164 30,509,249 36,235,151 42,926,816 50,002,634
 Education Loan EMI
15.0 1.0 218,049
8.5% 1.5 148,422
2,500,000 2.0 113,639
2.5 92,795
3.0 78,919
3.5 69,025
4.0 61,621
4.5 55,875
5.0 51,291
5.5 47,552

6.0 44,446
6.5 41,827
7.0 39,591
7.5 37,661 0
8.0 35,980 0
8.5 34,504 0
9.0 33,198 0
9.5 32,036
10.0 30,996

10.5 30,061
11.0 29,216
11.5 28,449
12.0 27,751
12.5 27,114
13.0 26,529
13.5 25,993
14.0 25,498
14.5 25,041
15.0 24,618
Credit Schedule
Assumptions
Start Date Apr-20
Moratorium (Years) -
Total Tenure (Years) 15.0
Repayment start date May-20
End Date Apr-35
No of instalments 180.0
Coupon freq (months) 1.0
Interest 8.5%
Loan Amount -

Summary

Outstanding
Year End Interest Paid Total Repaid
Amount

Loan
Mar-20 – – –
Mar-21 – – –
Mar-22 – – –
Mar-23 – – –
Mar-24 – – –
Mar-25 – – –
Mar-26 – – –
Mar-27 – – –
Mar-28 – – –
Mar-29 – – –
Mar-30 – – –
Mar-31 – – –
Mar-32 – – –
Mar-33 – – –
Mar-34 – – –
Mar-35 – – –
Mar-36 – – –
Mar-37 – – –
Mar-38 – – –

Outstanding
Education Loan Interest Paid Total Repaid
Amount

Mar-21 - - -
Mar-22 - - -
Mar-23 - - -
Mar-24 - - -
Mar-25 - - -
Mar-26 - - -
 Mar-27 (500,000.00) (42,500.0) (542,500.00)
Mar-28 - - -
Mar-29 - - -
Mar-30 - - -
Mar-31 - - -
Mar-32 - - -
Mar-33 - - -
Mar-34 - - -
Mar-35 - - -
Mar-36 - - -
Mar-37 - - -
Mar-38 - - -
Mar-39 - - -

Outstanding
2nd Year Interest Paid Total Repaid
Amount

Mar-21 - - -
Mar-22 - - -
Mar-23 - - -
Mar-24 - - -
Mar-25 - - -
Mar-26 - - -
Mar-27 - - -
Mar-28 - - -
Mar-29 - - -
Mar-30 - - -
Mar-31 - - -
Mar-32 - - -
Mar-33 - - -
Mar-34 - - -
Mar-35 - - -
Mar-36 - - -
Mar-37 - - -
Mar-38 - - -
Mar-39 - - -

Outstanding
3rd Year Interest Paid Total Repaid
Amount

Mar-22 - - -
Mar-23 - - -
Mar-24 - - -
Mar-25 - - -
Mar-26 - - -
Mar-27 - - -
 Mar-28 - - -
Mar-29 - - -
Mar-30 - - -
Mar-31 - - -
Mar-32 - - -
Mar-33 - - -
Mar-34 - - -
Mar-35 - - -
Mar-36 - - -
Mar-37 - - -
Mar-38 - - -
Mar-39 - - -
Mar-40 - - -

Outstanding
4th Year Interest Paid Total Repaid
Amount

Mar-23 - - -
Mar-24 - - -
Mar-25 - - -
Mar-26 - - -
Mar-27 - - -
Mar-28 - - -
Mar-29 - - -
Mar-30 - - -
Mar-31 - - -
Mar-32 - - -
Mar-33 - - -
Mar-34 - - -
Mar-35 - - -
Mar-36 - - -
Mar-37 - - -
Mar-38 - - -
Mar-39 - - -
Mar-40 - - -
Mar-41 - - -

Outstanding
5th Year Interest Paid Total Repaid
Amount

Mar-24 - - -
Mar-25 - - -
Mar-26 - - -
Mar-27 - - -
Mar-28 - - -
Mar-29 - - -
 Mar-30 - - -
Mar-31 - - -
Mar-32 - - -
Mar-33 - - -
Mar-34 - - -
Mar-35 - - -
Mar-36 - - -
Mar-37 - - -
Mar-38 - - -
Mar-39 - - -
Mar-40 - - -
Mar-41 - - -
Mar-42 - - -

Outstanding
6th Year Interest Paid Total Repaid
Amount

Mar-25 - - -
Mar-26 - - -
Mar-27 - - -
Mar-28 - - -
Mar-29 - - -
Mar-30 - - -
Mar-31 - - -
Mar-32 - - -
Mar-33 - - -
Mar-34 - - -
Mar-35 - - -
Mar-36 - - -
Mar-37 - - -
Mar-38 - - -
Mar-39 - - -
Mar-40 - - -
Mar-41 - - -
Mar-42 - - -
Mar-43 - - -

Outstanding
7th Year Interest Paid Total Repaid
Amount

Mar-26 - - -
Mar-27 - - -
Mar-28 - - -
Mar-29 - - -
Mar-30 - - -
Mar-31 - - -
 Mar-32 - - -
Mar-33 - - -
Mar-34 - - -
Mar-35 - - -
Mar-36 - - -
Mar-37 - - -
Mar-38 - - -
Mar-39 - - -
Mar-40 - - -
Mar-41 - - -
Mar-42 - - -
Mar-43 - - -
Mar-44 - - -

Outstanding
8th Year Interest Paid Total Repaid
Amount

Mar-27 - - -
Mar-28 - - -
Mar-29 - - -
Mar-30 - - -
Mar-31 - - -
Mar-32 - - -
Mar-33 - - -
Mar-34 - - -
Mar-35 - - -
Mar-36 - - -
Mar-37 - - -
Mar-38 - - -
Mar-39 - - -
Mar-40 - - -
Mar-41 - - -
Mar-42 - - -
Mar-43 - - -
Mar-44 - - -
Mar-45 - - -

Outstanding
9th Year Interest Paid Total Repaid
Amount

Mar-28 - - -
Mar-29 - - -
Mar-30 - - -
Mar-31 - - -
Mar-32 - - -
Mar-33 - - -
 Mar-34 - - -
Mar-35 - - -
Mar-36 - - -
Mar-37 - - -
Mar-38 - - -
Mar-39 - - -
Mar-40 - - -
Mar-41 - - -
Mar-42 - - -
Mar-43 - - -
Mar-44 - - -
Mar-45 - - -
Mar-46 - - -

Outstanding
10th Year Interest Paid Total Repaid
Amount

Mar-29 - - -
Mar-30 - - -
Mar-31 - - -
Mar-32 - - -
Mar-33 - - -
Mar-34 - - -
Mar-35 - - -
Mar-36 - - -
Mar-37 - - -
Mar-38 - - -
Mar-39 - - -
Mar-40 - - -
Mar-41 - - -
Mar-42 - - -
Mar-43 - - -
Mar-44 - - -
Mar-45 - - -
Mar-46 - - -
Mar-47 - - -

Outstanding
11th Year Interest Paid Total Repaid
Amount

Mar-30 - - -
Mar-31 - - -
Mar-32 - - -
Mar-33 - - -
Mar-34 - - -
Mar-35 - - -
 Mar-36 - - -
Mar-37 - - -
Mar-38 - - -
Mar-39 - - -
Mar-40 - - -
Mar-41 - - -
Mar-42 - - -
Mar-43 - - -
Mar-44 - - -
Mar-45 - - -
Mar-46 - - -
Mar-47 - - -
Mar-48 - - -

Outstanding
12th Year Interest Paid Total Repaid
Amount

Mar-31 - - -
Mar-32 - - -
Mar-33 - - -
Mar-34 - - -
Mar-35 - - -
Mar-36 - - -
Mar-37 - - -
Mar-38 - - -
Mar-39 - - -
Mar-40 - - -
Mar-41 - - -
Mar-42 - - -
Mar-43 - - -
Mar-44 - - -
Mar-45 - - -
Mar-46 - - -
Mar-47 - - -
Mar-48 - - -
Mar-49 - - -

Outstanding
13th Year Interest Paid Total Repaid
Amount

Mar-32 - - -
Mar-33 - - -
Mar-34 - - -
Mar-35 - - -
Mar-36 - - -
Mar-37 - - -
 Mar-38 - - -
Mar-39 - - -
Mar-40 - - -
Mar-41 - - -
Mar-42 - - -
Mar-43 - - -
Mar-44 - - -
Mar-45 - - -
Mar-46 - - -
Mar-47 - - -
Mar-48 - - -
Mar-49 - - -
Mar-50 - - -

Outstanding
14th Year Interest Paid Total Repaid
Amount

Mar-33 - - -
Mar-34 - - -
Mar-35 - - -
Mar-36 - - -
Mar-37 - - -
Mar-38 - - -
Mar-39 - - -
Mar-40 - - -
Mar-41 - - -
Mar-42 - - -
Mar-43 - - -
Mar-44 - - -
Mar-45 - - -
Mar-46 - - -
Mar-47 - - -
Mar-48 - - -
Mar-49 - - -
Mar-50 - - -
Mar-51 - - -

Outstanding
15th Year Interest Paid Total Repaid
Amount

Mar-34 - - -
Mar-35 - - -
Mar-36 - - -
Mar-37 - - -
Mar-38 - - -
Mar-39 - - -
Mar-40 - - -
Mar-41 - - -
Mar-42 - - -
Mar-43 - - -
Mar-44 - - -
Mar-45 - - -
Mar-46 - - -
Mar-47 - - -
Mar-48 - - -
Mar-49 - - -
Mar-50 - - -
Mar-51 - - -
Mar-52 - - -
 Notes:
If you want to repay any of your existing loans in a lumpsum payment, just input the amount in column G

Principal Extra Principal Change in Total O/s at the

Remaining Repayment principal end

– –
– –
– –
– –
– –
– –
– 500,000
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –
– –

Principal Extra Principal Change in Total O/s at the

Remaining Repayment principal end

- -
- -
- -
- -
- -
- 500,000.00
- - -
- - 15.0
- - 8.5%
- - - Annual
- - - Monthly
- (500,000.00)
 - - (500,000.00)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
-
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -

Principal Extra Principal Change in Total O/s at the

Remaining Repayment principal end

- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- - 0
- - 0
- - 0%
- - - Annual
- - - Monthly
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -

Principal Extra Principal Change in Total O/s at the

Remaining Repayment principal end

- -
- -
- -
- -
- -
- -
- - 0
- - 5
- - 10%
- - - Annual
- - - Monthly
- -
 - -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Principal Extra Principal Change in
Remaining Repayment principal
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Principal Extra Principal Change in
Remaining Repayment principal
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total O/s at the
end
- - 0
- - 0
- - 0%
- - - Annual
- - - Monthly
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total O/s at the
end
- - 0
- - 0
- - 0%
- - - Annual
- - - Monthly
- -
 - -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Principal Extra Principal Change in
Remaining Repayment principal
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Principal Extra Principal Change in
Remaining Repayment principal
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total O/s at the
end
- - 0
- - 0
- - 0%
- - - Annual
- - - Monthly
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total O/s at the
end
- - 0
- - 0
- - 0%
- - - Annual
- - - Monthly
- -
 - -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Principal Extra Principal Change in
Remaining Repayment principal
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Principal Extra Principal Change in
Remaining Repayment principal
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total O/s at the
end
- - 0
- - 0
- - 0%
- - - Annual
- - - Monthly
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total O/s at the
end
- - 0
- - 0
- - 0%
- - - Annual
- - - Monthly
- -
 - -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Principal Extra Principal Change in
Remaining Repayment principal
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Principal Extra Principal Change in
Remaining Repayment principal
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total O/s at the
end
- - 0
- - 0
- - 0%
- - - Annual
- - - Monthly
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total O/s at the
end
- - 0
- - 0
- - 0%
- - - Annual
- - - Monthly
- -
 - -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Principal Extra Principal Change in
Remaining Repayment principal
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Principal Extra Principal Change in
Remaining Repayment principal
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total O/s at the
end
- - 0
- - 0
- - 0%
- - - Annual
- - - Monthly
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total O/s at the
end
- - 0
- - 0
- - 0%
- - - Annual
- - - Monthly
- -
 - -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Principal Extra Principal Change in
Remaining Repayment principal
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Principal Extra Principal Change in
Remaining Repayment principal
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total O/s at the
end
- - 0
- - 0
- - 0%
- - - Annual
- - - Monthly
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total O/s at the
end
- - 0
- - 0
- - 0%
- - - Annual
- - - Monthly
- -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
input the amount in column G in the corresponding loan in the next sheet