Annual Increment 10%

Job change increment 30%

Inflation 6%
Investment Returns 12%

Short Term Goals Amount in how many years? Value at that time
Emergency Fund 120,000 1 127,200
Vacation every year 50,000 3 59,551
Mobile Phone 50,000 3 59,551
XYZ -
ABC -

Medium Term Goals Amount in how many years? Value at that time
International Vacation 250,000 3 297,754
Education 1,000,000 5 1,338,226
Marriage 1,000,000 7 1,503,630
Car 700,000 5 936,758
XYZ -
ABC

Long Term Goals Amount in how many years? Value at that time
Home downpayment 2,000,000 15 4,793,116
Kids education 2,500,000 25 10,729,677
Retirement 10,000,000 40 102,857,179
XYZ -
ABC -
Year Starting Salary Job Change? Increment Ending Salary Monthly Needs Monthly Wants Monthly Investments Needs
1 - - 240,000 10,000 6,000 4,000 50%
2 240,000 No 24,000 264,000 10,400 6,600 5,000 47%
3 264,000 No 26,400 290,400 10,840 7,260 6,100 45%
4 290,400 No 29,040 319,440 11,324 7,986 7,310 43%
5 319,440 Yes 95,832 415,272 12,921 10,382 11,303 37%
6 415,272 No 41,527 456,799 13,613 11,420 13,033 36%
7 456,799 No 45,680 502,479 14,375 12,562 14,937 34%
8 502,479 No 50,248 552,727 15,212 13,818 17,030 33%
9 552,727 Yes 165,818 718,545 17,976 17,964 23,939 30%
10 718,545 No 71,855 790,400 19,173 19,760 26,933 29%
11 790,400 No 79,040 869,440 20,491 21,736 30,227 28%
12 869,440 No 86,944 956,384 21,940 23,910 33,849 28%
13 956,384 No 95,638 1,052,022 23,534 26,301 37,834 27%
14 1,052,022 Yes 315,607 1,367,629 28,794 34,191 50,985 25%
15 1,367,629 No 136,763 1,504,391 31,073 37,610 56,683 25%
16 1,504,391 No 150,439 1,654,831 33,581 41,371 62,951 24%
17 1,654,831 No 165,483 1,820,314 36,339 45,508 69,846 24%
18 1,820,314 No 182,031 2,002,345 39,372 50,059 77,431 24%
19 2,002,345 No 200,234 2,202,579 42,710 55,064 85,774 23%
20 2,202,579 No 220,258 2,422,837 46,381 60,571 94,952 23%
21 2,422,837 Yes 726,851 3,149,689 58,495 78,742 125,237 22%
22 3,149,689 No 314,969 3,464,657 63,744 86,616 138,361 22%
23 3,464,657 No 346,466 3,811,123 69,519 95,278 152,797 22%
24 3,811,123 No 381,112 4,192,235 75,871 104,806 168,676 22%
25 4,192,235 No 419,224 4,611,459 82,858 115,286 186,144 22%
26 4,611,459 No 461,146 5,072,605 90,543 126,815 205,359 21%
27 5,072,605 Yes 1,521,781 6,594,386 115,906 164,860 268,766 21%
28 6,594,386 No 659,439 7,253,825 126,897 181,346 296,243 21%
29 7,253,825 No 725,383 7,979,208 138,987 199,480 326,467 21%
30 7,979,208 No 797,921 8,777,128 152,285 219,428 359,714 21%
31 8,777,128 No 877,713 9,654,841 166,914 241,371 396,285 21%
32 9,654,841 No 965,484 10,620,325 183,005 265,508 436,514 21%
33 10,620,325 Yes 3,186,098 13,806,423 236,107 345,161 569,268 21%
34 13,806,423 No 1,380,642 15,187,065 259,118 379,677 626,794 20%
35 15,187,065 No 1,518,707 16,705,772 284,430 417,644 690,074 20%
36 16,705,772 No 1,670,577 18,376,349 312,272 459,409 759,681 20%
37 18,376,349 No 1,837,635 20,213,984 342,900 505,350 836,249 20%
38 20,213,984 No 2,021,398 22,235,382 376,590 555,885 920,474 20%
39 22,235,382 Yes 6,670,615 28,905,997 487,767 722,650 1,198,417 20%
40 28,905,997 No 2,890,600 31,796,596 535,943 794,915 1,318,858 20%
41 31,796,596 No 3,179,660 34,976,256 588,938 874,406 1,451,344 20%
42 34,976,256 No 3,497,626 38,473,882 647,231 961,847 1,597,078 20%
43 38,473,882 No 3,847,388 42,321,270 711,354 1,058,032 1,757,386 20%
44 42,321,270 No 4,232,127 46,553,397 781,890 1,163,835 1,933,725 20%
45 46,553,397 No 4,655,340 51,208,736 859,479 1,280,218 2,127,697 20%
Wants Investments
30% 20%
30% 23%
30% 25%
30% 27%
30% 33%
30% 34%
30% 36%
30% 37%
30% 40%
30% 41%
30% 42%
30% 42%
30% 43%
30% 45%
30% 45%
30% 46%
30% 46%
30% 46%
30% 47%
30% 47%
30% 48%
30% 48%
30% 48%
30% 48%
30% 48%
30% 49%
30% 49%
30% 49%
30% 49%
30% 49%
30% 49%
30% 49%
30% 49%
30% 50%
30% 50%
30% 50%
30% 50%
30% 50%
30% 50%
30% 50%
30% 50%
30% 50%
30% 50%
30% 50%
30% 50%
How much of your wants amount will you invest? 80%

Year Wants Amount Investment Amount Amount needed from want

1 64,512 53,760 127,200
2 143,217 127,411
3 238,462 200,611 416,856
4 352,943 288,331
5 506,921 423,967 2,274,983
6 690,540 580,367
7 908,471 759,606 1,503,630
8 1,166,060 963,970
9 1,499,132 1,251,242
10 1,891,488 1,574,442
11 2,352,172 1,937,162
12 2,891,508 2,343,354
13 3,521,273 2,797,365
14 4,311,444 3,409,179
15 5,233,197 4,089,375
16 6,306,000 755,415
17 7,552,020 1,593,572
18 8,996,492 2,522,745
19 10,668,125 3,552,034
20 12,599,559 4,691,453
21 14,958,142 6,194,297
22 17,684,419 7,854,626
23 20,830,979 9,688,187
24 24,457,569 11,712,305
25 28,632,038 13,946,035
26 33,431,399 2,464,302
27 39,215,738 5,689,496
28 45,871,454 9,244,408
29 53,520,840 13,162,012
30 62,302,633 17,478,576
31 72,374,170 22,233,997
32 83,913,814 27,472,159
33 97,694,638 34,303,371
34 113,500,277 41,824,903
35 131,610,822 50,105,789
36 152,343,683 59,221,963
37 176,058,444 69,256,955
38 203,162,328 80,302,646
39 235,311,739 94,683,645
40 272,096,073 110,509,943
41 314,149,220 127,926,071
42 362,188,905 147,091,012
43 417,027,531 168,179,646
44 479,584,388 191,384,345
45 550,899,423 216,916,713
Amount needed from investment

4,793,116

10,729,677

102,857,179