1) Start by filling up current Monthly Expenses in Monthly Expense Sheet.

If you want to maintain the same lifestyle

leading now, be true to yourself in filling up this sheet. If you want to raise your lifestyle, then fill those numbers as

2) Next you should move to Main Sheet. See the inflation number. Currently it is set at 6% but if you feel this will ris
come, then adjust it accordingly.
3) Set your current age and retirement age.

4) If you want to add any buffer to your Monthly Expense, then add that in B10 of the Main Sheet
5) Though it is taken that your corpus will provide pre-tax return of 8.0% and your tax slab would be 30% but if you
then do accordingly.

6) Next move to the sheet "Inflation post Retirement". Fill out life expectancy.
7) Notes to read "Inflation Post Retirement" sheet is present in the sheet itself.
t to maintain the same lifestyle which you are
yle, then fill those numbers as per the new lifestyle.

at 6% but if you feel this will rise/reduce in times to

e Main Sheet
x slab would be 30% but if you wish to change that,
 Finding Out How much would be the
monthly expense at retirement Assuming this entire expense will come from t
Inflation 6% the corpus accumulated till t
Monthly Expense 122,033
Expected ROI on that
Current Age 34 Corpus
Retirement Age 45 Tax Slab
Years Left 11 Post Tax Return

Monthly Household
Expense at retirement 231,656
Buffer 15,000
Beginning Portfolio
Total Monthly Outlay 246,656 Ending Portfolio
Yearly Requirement 2,959,868
his entire expense will come from the interest earned from
the corpus accumulated till that age

8.0%
30.0%
5.60%

92,773,560
20,000,000
Retirement Age 45 Inflation 6%
Life Expectancy post
Retirement 75
Fun Years 30

Leftover from Interest

Earned - Monthly
Age Yearly Expense Principle Amount Expenses
46 2,959,868 95,009,011 2,235,451
47 3,137,461 97,192,055 2,183,044
48 3,325,708 99,309,102 2,117,047
49 3,525,251 101,345,162 2,036,059
50 3,736,766 103,283,725 1,938,563
51 3,960,972 105,106,642 1,822,917
52 4,198,630 106,793,984 1,687,342
53 4,450,548 108,323,899 1,529,915
54 4,717,581 109,672,457 1,348,558
55 5,000,635 110,813,479 1,141,022
56 5,300,674 111,718,361 904,881
57 5,618,714 112,355,875 637,514
58 5,955,837 112,691,967 336,092
59 6,313,187 112,689,530 (2,437)
60 6,691,978 112,308,166 (381,364)
61 7,093,497 111,503,926 (804,240)
62 7,519,107 110,229,039 (1,274,887)
63 7,970,253 108,431,613 (1,797,427)
64 8,448,468 106,055,315 (2,376,298)
65 8,955,376 103,039,036 (3,016,279)
66 9,492,699 99,316,523 (3,722,513)
67 10,062,261 94,815,987 (4,500,536)
68 10,665,997 89,459,686 (5,356,301)
69 11,305,956 83,163,472 (6,296,214)
70 11,984,314 75,836,313 (7,327,159)
71 12,703,373 67,379,774 (8,456,539)
72 13,465,575 57,687,466 (9,692,308)
73 14,273,509 46,644,455 (11,043,011)
74 15,129,920 34,126,624 (12,517,831)
75 36,037,715 - 0 (34,126,624)
 Notes on how to read this sheet

1) Coloumn E (Leftover from Interest Earned…) is the amount when Original Retirement Corpus
is invested at rate mentioned in Main Sheet minus the yearly expense.

2) Since inflation is higher than the post tax return, leftover will reduce over retirement tenure.

3) Coloumn D (Principal Amount) is the corpus which is standing at any given point of time. It
inflates and contracts depending on whether leftover is positive or negative.
4) Yearly Expense is ballooning as per inflation.

5) In Cell B75, Ending Portfolio is taken into account.

al Retirement Corpus
xpense.

r retirement tenure.

ven point of time. It

or negative.
Item Amount
House Rent 0
Kid Education 0
Grocery 25,000
Home Helps 18,000
Utilities 17,700
Travel - Vacationing 20,000
Petrol - Daily Commute 10,000
Annual Expenses on
Monthly Basis 11,333
Misc 20,000

Total 122,033
 Annual Expenses 136,000
Insurance 106000
Term Insurance 48000
Medical Insurance 12,000
Parents Medical Insurance 46,000

Car Ownership 30,000

Insurance 18,000

Servicing 12,000

Utilities 17700
Electricity 12000
Telephone 2500
Broadband 1200
Water 2000