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

2021 - - 300,000 18,000 12,000 5,000 50% 30% 20%

2022 300,000 60,000 360,000 19,000 13,500 7,500 63% 45% 25%
2023 360,000 36,000 396,000 19,600 14,400 9,000 59% 44% 27%
2024 396,000 39,600 435,600 20,260 15,390 10,650 56% 42% 29%
2025 435,600 43,560 479,160 20,986 16,479 12,465 53% 41% 31%
2026 479,160 95,832 574,992 22,583 18,875 16,458 47% 39% 34%
2027 574,992 57,499 632,491 23,542 20,312 18,854 45% 39% 36%
2028 632,491 63,249 695,740 24,596 21,894 21,489 42% 38% 37%
2029 695,740 69,574 765,314 25,755 23,633 24,388 40% 37% 38%
2030 765,314 76,531 841,846 27,031 25,546 27,577 39% 36% 39%
Year Amount Rent Food Electricity Mobile Clothes Transport Internet Total Over/Under Budget?
2021 18,000 - 7,000 800 500 1,500 7,000 1,000 17,800 200
2022 19,000 - 19,000
2023 19,600 - 19,600
2024 20,260 - 20,260
2025 20,986 - 20,986
2026 22,583 - 22,583
2027 23,542 - 23,542
2028 24,596 - 24,596
2029 25,755 - 25,755
2030 27,031 - 27,031
Year Amount Car/Bike Phone Vacation Clothes Dining Out Total Over/Under Budget?
2021 12,000 5,000 - 1,500 1,000 3,500 11,000 1,000
2022 13,500 5,500 5,500 8,000
2023 14,400 6,000 6,000 8,400
2024 15,390 6,000 6,000 9,390
2025 16,479 6,500 6,500 9,979
2026 18,875 6,500 6,500 12,375
2027 20,312 6,500 6,500 13,812
2028 21,894 8,000 8,000 13,894
2029 23,633 8,500 8,500 15,133
2030 25,546 10,000 10,000 15,546
Year Amount PPF Insurance Emergency FD MF Stocks Real Estate Gold Cypto Total
2021 5,000 -
2022 7,500 -
2023 9,000 -
2024 10,650 -
2025 12,465 -
2026 16,458 -
2027 18,854 -
2028 21,489 -
2029 24,388 -
2030 27,577 -
Over/Under Budget?
5,000
7,500
9,000
10,650
12,465
16,458
18,854
21,489
24,388
27,577
Expected returns (pre-tax) 15%

Total Investment (10 years) 1,840,572

Value in 2030 3,462,474
Value in 2040 15,374,121
Value in 2050 68,264,378
Value in 2060 303,108,393
Value in 2070 1,345,865,895
 120 240 360 480 600
1 5,000 22,201 98,577 437,705 1,943,503 8,629,570
2 5,000 21,927 97,360 432,301 1,919,510 8,523,032
3 5,000 21,656 96,158 426,964 1,895,812 8,417,809
4 5,000 21,389 94,971 421,693 1,872,407 8,313,886
5 5,000 21,125 93,799 416,487 1,849,291 8,211,245
6 5,000 20,864 92,641 411,345 1,826,460 8,109,872
7 5,000 20,606 91,497 406,267 1,803,911 8,009,750
8 5,000 20,352 90,368 401,251 1,781,641 7,910,864
9 5,000 20,101 89,252 396,297 1,759,645 7,813,199
10 5,000 19,853 88,150 391,405 1,737,921 7,716,740
11 5,000 19,608 87,062 386,573 1,716,465 7,621,471
12 5,000 19,365 85,987 381,800 1,695,274 7,527,379
13 7,500 28,690 127,388 565,630 2,511,517 11,151,673
14 7,500 28,335 125,815 558,647 2,480,511 11,013,998
15 7,500 27,986 124,262 551,750 2,449,887 10,878,022
16 7,500 27,640 122,728 544,938 2,419,642 10,743,726
17 7,500 27,299 121,213 538,211 2,389,770 10,611,087
18 7,500 26,962 119,716 531,566 2,360,266 10,480,086
19 7,500 26,629 118,238 525,003 2,331,127 10,350,702
20 7,500 26,300 116,779 518,522 2,302,348 10,222,916
21 7,500 25,976 115,337 512,120 2,273,924 10,096,707
22 7,500 25,655 113,913 505,798 2,245,851 9,972,056
23 7,500 25,338 112,507 499,554 2,218,124 9,848,945
24 7,500 25,025 111,118 493,386 2,190,740 9,727,353
25 9,000 29,660 131,695 584,754 2,596,433 11,528,714
26 9,000 29,293 130,069 577,535 2,564,378 11,386,384
27 9,000 28,932 128,463 570,405 2,532,719 11,245,812
28 9,000 28,575 126,877 563,363 2,501,451 11,106,975
29 9,000 28,222 125,311 556,408 2,470,569 10,969,852
30 9,000 27,873 123,764 549,538 2,440,068 10,834,421
31 9,000 27,529 122,236 542,754 2,409,943 10,700,663
32 9,000 27,189 120,727 536,053 2,380,191 10,568,556
33 9,000 26,854 119,236 529,435 2,350,806 10,438,080
34 9,000 26,522 117,764 522,899 2,321,784 10,309,215
35 9,000 26,195 116,311 516,444 2,293,120 10,181,941
36 9,000 25,871 114,875 510,068 2,264,810 10,056,238
37 10,650 30,237 134,257 596,129 2,646,938 11,752,969
38 10,650 29,863 132,599 588,769 2,614,260 11,607,871
39 10,650 29,495 130,962 581,500 2,581,985 11,464,564
40 10,650 29,130 129,345 574,321 2,550,109 11,323,026
41 10,650 28,771 127,749 567,231 2,518,626 11,183,235
42 10,650 28,416 126,171 560,228 2,487,532 11,045,171
43 10,650 28,065 124,614 553,312 2,456,821 10,908,811
44 10,650 27,718 123,075 546,481 2,426,490 10,774,134
45 10,650 27,376 121,556 539,734 2,396,534 10,641,120
46 10,650 27,038 120,055 533,071 2,366,947 10,509,748
47 10,650 26,704 118,573 526,489 2,337,725 10,379,998
48 10,650 26,375 117,109 519,990 2,308,864 10,251,850
49 12,465 30,488 135,375 601,094 2,668,985 11,850,860
50 12,465 30,112 133,704 593,673 2,636,034 11,704,554
51 12,465 29,740 132,053 586,344 2,603,490 11,560,053
52 12,465 29,373 130,423 579,105 2,571,349 11,417,336
53 12,465 29,010 128,813 571,955 2,539,604 11,276,381
54 12,465 28,652 127,222 564,894 2,508,250 11,137,167
55 12,465 28,299 125,652 557,920 2,477,284 10,999,671
56 12,465 27,949 124,100 551,032 2,446,701 10,863,873
57 12,465 27,604 122,568 544,229 2,416,494 10,729,751
58 12,465 27,263 121,055 537,510 2,386,661 10,597,285
59 12,465 26,927 119,561 530,875 2,357,196 10,466,454
60 12,465 26,594 118,085 524,321 2,328,095 10,337,238
61 16,458 34,680 153,987 683,733 3,035,921 13,480,136
62 16,458 34,252 152,085 675,292 2,998,440 13,313,715
63 16,458 33,829 150,208 666,955 2,961,423 13,149,348
64 16,458 33,411 148,353 658,721 2,924,862 12,987,010
65 16,458 32,999 146,522 650,589 2,888,752 12,826,677
66 16,458 32,591 144,713 642,557 2,853,089 12,668,323
67 16,458 32,189 142,926 634,624 2,817,865 12,511,924
68 16,458 31,792 141,162 626,789 2,783,077 12,357,455
69 16,458 31,399 139,419 619,051 2,748,718 12,204,894
70 16,458 31,012 137,698 611,408 2,714,783 12,054,217
71 16,458 30,629 135,998 603,860 2,681,267 11,905,399
72 16,458 30,251 134,319 596,405 2,648,165 11,758,419
73 18,854 34,226 151,972 674,789 2,996,208 13,303,801
74 18,854 33,804 150,096 666,458 2,959,217 13,139,556
75 18,854 33,386 148,243 658,231 2,922,684 12,977,340
76 18,854 32,974 146,413 650,104 2,886,601 12,817,125
77 18,854 32,567 144,605 642,078 2,850,964 12,658,889
78 18,854 32,165 142,820 634,151 2,815,767 12,502,607
79 18,854 31,768 141,057 626,322 2,781,005 12,348,254
80 18,854 31,376 139,315 618,590 2,746,671 12,195,806
81 18,854 30,988 137,595 610,953 2,712,762 12,045,241
82 18,854 30,606 135,897 603,410 2,679,271 11,896,534
83 18,854 30,228 134,219 595,961 2,646,193 11,749,663
84 18,854 29,855 132,562 588,603 2,613,524 11,604,606
85 21,489 33,608 149,226 662,596 2,942,066 13,063,402
86 21,489 33,193 147,384 654,416 2,905,745 12,902,126
87 21,489 32,783 145,564 646,336 2,869,871 12,742,840
88 21,489 32,378 143,767 638,357 2,834,441 12,585,521
89 21,489 31,979 141,992 630,476 2,799,448 12,430,144
90 21,489 31,584 140,239 622,692 2,764,887 12,276,686
91 21,489 31,194 138,508 615,005 2,730,752 12,125,122
92 21,489 30,809 136,798 607,412 2,697,039 11,975,429
93 21,489 30,429 135,109 599,913 2,663,742 11,827,584
94 21,489 30,053 133,441 592,507 2,630,857 11,681,564
95 21,489 29,682 131,794 585,192 2,598,377 11,537,348
 96 21,489 29,315 130,167 577,967 2,566,298 11,394,911
97 24,388 32,859 145,902 647,838 2,876,538 12,772,444
98 24,388 32,454 144,101 639,840 2,841,026 12,614,759
99 24,388 32,053 142,322 631,941 2,805,951 12,459,022
100 24,388 31,657 140,565 624,139 2,771,310 12,305,207
101 24,388 31,266 138,830 616,433 2,737,096 12,153,290
102 24,388 30,880 137,116 608,823 2,703,305 12,003,250
103 24,388 30,499 135,423 601,307 2,669,931 11,855,061
104 24,388 30,123 133,751 593,883 2,636,969 11,708,703
105 24,388 29,751 132,100 586,551 2,604,413 11,564,151
106 24,388 29,383 130,469 579,310 2,572,260 11,421,384
107 24,388 29,021 128,858 572,158 2,540,504 11,280,379
108 24,388 28,662 127,267 565,094 2,509,140 11,141,115
109 27,577 32,010 142,131 631,093 2,802,189 12,442,317
110 27,577 31,615 140,377 623,302 2,767,594 12,288,708
111 27,577 31,225 138,644 615,607 2,733,426 12,136,996
112 27,577 30,839 136,932 608,007 2,699,680 11,987,156
113 27,577 30,458 135,241 600,501 2,666,351 11,839,166
114 27,577 30,082 133,572 593,087 2,633,433 11,693,004
115 27,577 29,711 131,923 585,765 2,600,921 11,548,646
116 27,577 29,344 130,294 578,533 2,568,811 11,406,070
117 27,577 28,982 128,685 571,391 2,537,098 11,265,254
118 27,577 28,624 127,097 564,337 2,505,775 11,126,177
119 27,577 28,271 125,528 557,370 2,474,840 10,988,817
120 27,577 27,922 123,978 550,489 2,444,286 10,853,152
121 3,462,474 15,374,121 68,264,378 303,108,393 1,345,865,895
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
361
362
363
364
365
366
367
368
369
370
371
372
373
374
375
376
377
378
379
380
381
382
383
384
385
386
387
388
389
390
391
392
393
394
395
396
397
398
399
400
401
402
403
404
405
406
407
408
409
410
411
412
413
414
415
416
417
418
419
420
421
422
423
424
425
426
427
428
429
430
431
432
433
434
435
436
437
438
439
440
441
442
443
444
445
446
447
448
449
450
451
452
453
454
455
456
457
458
459
460
461
462
463
464
465
466
467
468
469
470
471
472
473
474
475
476
477
478
479
480
481
482
483
484
485
486
487
488
489
490
491
492
493
494
495
496
497
498
499
500
501
502
503
504
505
506
507
508
509
510
511
512
513
514
515
516
517
518
519
520
521
522
523
524
525
526
527
528
529
530
531
532
533
534
535
536
537
538
539
540
541
542
543
544
545
546
547
548
549
550
551
552
553
554
555
556
557
558
559
560
561
562
563
564
565
566
567
568
569
570
571
572
573
574
575
576
577
578
579
580
581
582
583
584
585
586
587
588
589
590
591
592
593
594
595
596
597
598
599
600
601
602
603
604
605
606
607
608
609
610
611
612
613
614