Year Starting Salary Increment Ending Salary Needs Wants Investments Needs Wants Investments

2021 - - 600,000 25,000 15,000 10,000 50% 30% 20%

2022 600,000 60,000 660,000 26,000 16,500 12,500 47% 30% 23%
2023 660,000 66,000 726,000 27,100 18,150 15,250 45% 30% 25%
2024 726,000 72,600 798,600 28,310 19,965 18,275 43% 30% 27%
2025 798,600 79,860 878,460 29,641 21,962 21,603 40% 30% 30%
2026 878,460 87,846 966,306 31,105 24,158 25,263 39% 30% 31%
2027 966,306 96,631 1,062,937 32,716 26,573 29,289 37% 30% 33%
2028 1,062,937 106,294 1,169,230 34,487 29,231 33,718 35% 30% 35%
2029 1,169,230 116,923 1,286,153 36,436 32,154 38,590 34% 30% 36%
2030 1,286,153 128,615 1,414,769 38,579 35,369 43,949 33% 30% 37%
Year Amount Rent Food Electricity Mobile Clothes Transport Internet Total Over/Under Budget?
2021 25,000 5,500 2,000 500 500 500 1,000 500 10,500 14,500
2022 26,000 - 26,000
2023 27,100 - 27,100
2024 28,310 - 28,310
2025 29,641 - 29,641
2026 31,105 - 31,105
2027 32,716 - 32,716
2028 34,487 - 34,487
2029 36,436 - 36,436
2030 38,579 - 38,579
Year Amount Car/Bike Phone Vacation Clothes Dining Out Total Over/Under Budget?
2021 15,000 3,000 1,500 500 500 500 6,000 9,000
2022 16,500 - 16,500
2023 18,150 - 18,150
2024 19,965 - 19,965
2025 21,962 - 21,962
2026 24,158 - 24,158
2027 26,573 - 26,573
2028 29,231 - 29,231
2029 32,154 - 32,154
2030 35,369 - 35,369
Year Amount PPF Insurance Emergency FD MF Stocks Real Estate Gold Cypto Total
2021 10,000 -
2022 12,500 -
2023 15,250 -
2024 18,275 -
2025 21,603 -
2026 25,263 -
2027 29,289 -
2028 33,718 -
2029 38,590 -
2030 43,949 -
Over/Under Budget?
10,000
12,500
15,250
18,275
21,603
25,263
29,289
33,718
38,590
43,949
Expected returns (pre-tax) 15%

Total Investment (10 years) 2,981,227

Value in 2030 5,713,689
Value in 2040 25,369,998
Value in 2050 112,648,201
Value in 2060 500,182,031
Value in 2070 2,220,914,872
 120 240 360 480 600
1 10,000 44,402 197,155 875,410 3,887,007 17,259,139
2 10,000 43,854 194,721 864,602 3,839,019 17,046,063
3 10,000 43,313 192,317 853,928 3,791,624 16,835,618
4 10,000 42,778 189,943 843,386 3,744,814 16,627,771
5 10,000 42,250 187,598 832,974 3,698,581 16,422,490
6 10,000 41,728 185,282 822,690 3,652,920 16,219,743
7 10,000 41,213 182,994 812,534 3,607,822 16,019,499
8 10,000 40,704 180,735 802,502 3,563,281 15,821,728
9 10,000 40,202 178,504 792,595 3,519,290 15,626,398
10 10,000 39,705 176,300 782,810 3,475,842 15,433,479
11 10,000 39,215 174,123 773,145 3,432,930 15,242,943
12 10,000 38,731 171,974 763,600 3,390,548 15,054,758
13 12,500 47,816 212,313 942,717 4,185,862 18,586,121
14 12,500 47,226 209,692 931,078 4,134,185 18,356,663
15 12,500 46,643 207,103 919,583 4,083,146 18,130,037
16 12,500 46,067 204,547 908,230 4,032,736 17,906,210
17 12,500 45,498 202,021 897,018 3,982,950 17,685,145
18 12,500 44,936 199,527 885,943 3,933,777 17,466,810
19 12,500 44,382 197,064 875,006 3,885,212 17,251,171
20 12,500 43,834 194,631 864,203 3,837,247 17,038,193
21 12,500 43,293 192,228 853,534 3,789,873 16,827,845
22 12,500 42,758 189,855 842,997 3,743,085 16,620,094
23 12,500 42,230 187,511 832,589 3,696,874 16,414,908
24 12,500 41,709 185,196 822,310 3,651,233 16,212,254
25 15,250 50,257 223,150 990,833 4,399,511 19,534,766
26 15,250 49,636 220,395 978,601 4,345,196 19,293,596
27 15,250 49,023 217,674 966,519 4,291,551 19,055,403
28 15,250 48,418 214,987 954,587 4,238,569 18,820,151
29 15,250 47,820 212,333 942,802 4,186,241 18,587,804
30 15,250 47,230 209,711 931,162 4,134,559 18,358,325
31 15,250 46,647 207,122 919,666 4,083,515 18,131,679
32 15,250 46,071 204,565 908,313 4,033,102 17,907,831
33 15,250 45,502 202,040 897,099 3,983,310 17,686,747
34 15,250 44,940 199,545 886,024 3,934,134 17,468,392
35 15,250 44,386 197,082 875,085 3,885,564 17,252,733
36 15,250 43,838 194,649 864,281 3,837,594 17,039,736
37 18,275 51,885 230,380 1,022,934 4,542,046 20,167,653
38 18,275 51,244 227,535 1,010,305 4,485,972 19,918,670
39 18,275 50,612 224,726 997,833 4,430,589 19,672,761
40 18,275 49,987 221,952 985,514 4,375,891 19,429,887
41 18,275 49,370 219,212 973,347 4,321,867 19,190,012
42 18,275 48,760 216,505 961,330 4,268,511 18,953,098
43 18,275 48,158 213,832 949,462 4,215,813 18,719,109
44 18,275 47,564 211,193 937,740 4,163,766 18,488,009
45 18,275 46,976 208,585 926,163 4,112,362 18,259,762
46 18,275 46,396 206,010 914,729 4,061,592 18,034,333
47 18,275 45,824 203,467 903,436 4,011,449 17,811,687
48 18,275 45,258 200,955 892,282 3,961,924 17,591,789
49 21,603 52,838 234,612 1,041,727 4,625,490 20,538,164
50 21,603 52,186 231,716 1,028,866 4,568,386 20,284,606
51 21,603 51,541 228,855 1,016,164 4,511,986 20,034,179
52 21,603 50,905 226,029 1,003,619 4,456,282 19,786,844
53 21,603 50,277 223,239 991,229 4,401,266 19,542,562
54 21,603 49,656 220,483 978,991 4,346,930 19,301,295
55 21,603 49,043 217,761 966,905 4,293,264 19,063,008
56 21,603 48,437 215,073 954,968 4,240,261 18,827,662
57 21,603 47,839 212,417 943,178 4,187,912 18,595,222
58 21,603 47,249 209,795 931,534 4,136,209 18,365,651
59 21,603 46,666 207,205 920,034 4,085,145 18,138,915
60 21,603 46,089 204,647 908,675 4,034,711 17,914,977
61 25,263 53,233 236,367 1,049,519 4,660,087 20,691,780
62 25,263 52,576 233,449 1,036,562 4,602,555 20,436,326
63 25,263 51,927 230,567 1,023,765 4,545,733 20,184,025
64 25,263 51,286 227,720 1,011,126 4,489,613 19,934,840
65 25,263 50,653 224,909 998,643 4,434,186 19,688,731
66 25,263 50,027 222,132 986,314 4,379,443 19,445,660
67 25,263 49,410 219,390 974,137 4,325,376 19,205,590
68 25,263 48,800 216,681 962,111 4,271,976 18,968,484
69 25,263 48,197 214,006 950,233 4,219,235 18,734,305
70 25,263 47,602 211,364 938,501 4,167,146 18,503,017
71 25,263 47,015 208,755 926,915 4,115,700 18,274,585
72 25,263 46,434 206,177 915,472 4,064,889 18,048,973
73 29,289 53,170 236,086 1,048,272 4,654,552 20,667,205
74 29,289 52,514 233,171 1,035,331 4,597,089 20,412,054
75 29,289 51,865 230,293 1,022,549 4,540,335 20,160,054
76 29,289 51,225 227,450 1,009,925 4,484,281 19,911,164
77 29,289 50,593 224,642 997,457 4,428,920 19,665,347
78 29,289 49,968 221,868 985,142 4,374,242 19,422,565
79 29,289 49,351 219,129 972,980 4,320,239 19,182,781
80 29,289 48,742 216,424 960,968 4,266,902 18,945,956
81 29,289 48,140 213,752 949,104 4,214,225 18,712,055
82 29,289 47,546 211,113 937,387 4,162,197 18,481,042
83 29,289 46,959 208,507 925,814 4,110,812 18,252,881
84 29,289 46,379 205,933 914,384 4,060,061 18,027,537
85 33,718 52,733 234,146 1,039,656 4,616,294 20,497,332
86 33,718 52,082 231,255 1,026,821 4,559,303 20,244,278
87 33,718 51,439 228,400 1,014,144 4,503,015 19,994,349
88 33,718 50,804 225,580 1,001,624 4,447,423 19,747,505
89 33,718 50,177 222,795 989,258 4,392,516 19,503,709
90 33,718 49,557 220,045 977,045 4,338,288 19,262,922
91 33,718 48,945 217,328 964,983 4,284,729 19,025,108
92 33,718 48,341 214,645 953,069 4,231,831 18,790,230
93 33,718 47,744 211,995 941,303 4,179,586 18,558,252
94 33,718 47,155 209,378 929,682 4,127,986 18,329,138
95 33,718 46,573 206,793 918,204 4,077,023 18,102,852
 96 33,718 45,998 204,240 906,869 4,026,690 17,879,360
97 38,590 51,994 230,864 1,025,085 4,551,598 20,210,065
98 38,590 51,352 228,014 1,012,430 4,495,405 19,960,558
99 38,590 50,718 225,199 999,931 4,439,906 19,714,131
100 38,590 50,092 222,419 987,586 4,385,093 19,470,747
101 38,590 49,473 219,673 975,394 4,330,956 19,230,367
102 38,590 48,863 216,961 963,352 4,277,487 18,992,955
103 38,590 48,259 214,282 951,459 4,224,679 18,758,474
104 38,590 47,664 211,637 939,712 4,172,522 18,526,888
105 38,590 47,075 209,024 928,111 4,121,010 18,298,161
106 38,590 46,494 206,443 916,653 4,070,133 18,072,258
107 38,590 45,920 203,895 905,336 4,019,884 17,849,144
108 38,590 45,353 201,377 894,159 3,970,256 17,628,784
109 43,949 51,014 226,511 1,005,759 4,465,785 19,829,038
110 43,949 50,384 223,715 993,342 4,410,652 19,584,235
111 43,949 49,762 220,953 981,079 4,356,199 19,342,454
112 43,949 49,147 218,225 968,967 4,302,419 19,103,659
113 43,949 48,541 215,531 957,004 4,249,303 18,867,811
114 43,949 47,941 212,870 945,189 4,196,842 18,634,875
115 43,949 47,350 210,242 933,520 4,145,030 18,404,815
116 43,949 46,765 207,647 921,995 4,093,856 18,177,595
117 43,949 46,188 205,083 910,613 4,043,315 17,953,180
118 43,949 45,617 202,551 899,371 3,993,397 17,731,536
119 43,949 45,054 200,051 888,267 3,944,096 17,512,628
120 43,949 44,498 197,581 877,301 3,895,404 17,296,423
121 5,713,689 25,369,998 112,648,201 500,182,031 2,220,914,872
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