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 275,000 1 291,500
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 - 5 -
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 - - 550,000 22,917 13,750 9,167 50%
2 550,000 No 55,000 605,000 23,833 15,125 11,458 47%
3 605,000 No 60,500 665,500 24,842 16,638 13,979 45%
4 665,500 No 66,550 732,050 25,951 18,301 16,752 43%
5 732,050 Yes 219,615 951,665 29,611 23,792 25,903 37%
6 951,665 No 95,167 1,046,832 31,197 26,171 29,868 36%
7 1,046,832 No 104,683 1,151,515 32,942 28,788 34,230 34%
8 1,151,515 No 115,151 1,266,666 34,861 31,667 39,028 33%
9 1,266,666 Yes 380,000 1,646,666 41,194 41,167 54,861 30%
10 1,646,666 No 164,667 1,811,333 43,939 45,283 61,722 29%
11 1,811,333 No 181,133 1,992,466 46,958 49,812 69,269 28%
12 1,992,466 No 199,247 2,191,712 50,279 54,793 77,571 28%
13 2,191,712 No 219,171 2,410,884 53,931 60,272 86,703 27%
14 2,410,884 Yes 723,265 3,134,149 65,986 78,354 116,840 25%
15 3,134,149 No 313,415 3,447,564 71,209 86,189 129,898 25%
16 3,447,564 No 344,756 3,792,320 76,955 94,808 144,263 24%
17 3,792,320 No 379,232 4,171,552 83,276 104,289 160,065 24%
18 4,171,552 No 417,155 4,588,707 90,228 114,718 177,446 24%
19 4,588,707 No 458,871 5,047,578 97,876 126,189 196,566 23%
20 5,047,578 No 504,758 5,552,336 106,289 138,808 217,597 23%
21 5,552,336 Yes 1,665,701 7,218,036 134,051 180,451 287,002 22%
22 7,218,036 No 721,804 7,939,840 146,081 198,496 317,077 22%
23 7,939,840 No 793,984 8,733,824 159,314 218,346 350,159 22%
24 8,733,824 No 873,382 9,607,206 173,870 240,180 386,550 22%
25 9,607,206 No 960,721 10,567,927 189,882 264,198 426,580 22%
26 10,567,927 No 1,056,793 11,624,720 207,495 290,618 470,613 21%
27 11,624,720 Yes 3,487,416 15,112,136 265,619 377,803 615,922 21%
28 15,112,136 No 1,511,214 16,623,349 290,806 415,584 678,890 21%
29 16,623,349 No 1,662,335 18,285,684 318,511 457,142 748,153 21%
30 18,285,684 No 1,828,568 20,114,252 348,988 502,856 824,344 21%
31 20,114,252 No 2,011,425 22,125,678 382,511 553,142 908,153 21%
32 22,125,678 No 2,212,568 24,338,245 419,387 608,456 1,000,344 21%
33 24,338,245 Yes 7,301,474 31,639,719 541,079 790,993 1,304,572 21%
34 31,639,719 No 3,163,972 34,803,691 593,812 870,092 1,436,404 20%
35 34,803,691 No 3,480,369 38,284,060 651,818 957,101 1,581,419 20%
36 38,284,060 No 3,828,406 42,112,466 715,624 1,052,812 1,740,936 20%
37 42,112,466 No 4,211,247 46,323,713 785,812 1,158,093 1,916,405 20%
38 46,323,713 No 4,632,371 50,956,084 863,018 1,273,902 2,109,420 20%
39 50,956,084 Yes 15,286,825 66,242,909 1,117,798 1,656,073 2,746,371 20%
40 66,242,909 No 6,624,291 72,867,200 1,228,203 1,821,680 3,022,383 20%
41 72,867,200 No 7,286,720 80,153,920 1,349,649 2,003,848 3,325,997 20%
42 80,153,920 No 8,015,392 88,169,312 1,483,239 2,204,233 3,659,971 20%
43 88,169,312 No 8,816,931 96,986,243 1,630,187 2,424,656 4,027,343 20%
44 96,986,243 No 9,698,624 106,684,867 1,791,831 2,667,122 4,431,453 20%
45 106,684,867 No 10,668,487 117,353,354 1,969,639 2,933,834 4,875,973 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

1 147,840 123,200 291,500
2 328,205 291,984
3 546,476 459,734 416,856
4 808,828 660,759
5 1,161,695 971,592 936,758
6 1,582,486 1,330,007
7 2,081,912 1,740,765 1,503,630
8 2,672,221 2,209,098
9 3,435,512 2,867,431
10 4,334,659 3,608,097
11 5,390,393 4,439,330
12 6,626,373 5,370,186
13 8,069,583 6,410,628
14 9,880,392 7,812,702
15 11,992,744 9,371,484
16 14,451,249 1,731,160
17 17,306,712 3,651,936
18 20,616,962 5,781,289
19 24,447,786 8,140,078
20 28,873,988 10,751,246
21 34,279,075 14,195,264
22 40,526,793 18,000,184
23 47,737,660 22,202,096
24 56,048,597 26,840,699
25 65,615,087 31,959,663
26 76,613,622 5,647,360
27 89,869,399 13,038,428
28 105,122,083 21,185,102
29 122,651,925 30,162,944
30 142,776,867 40,055,070
31 165,857,473 50,952,909
32 192,302,490 62,957,032
33 223,883,545 78,611,891
34 260,104,803 95,848,737
35 301,608,134 114,825,767
36 349,120,941 135,717,000
37 403,467,268 158,713,856
38 465,580,335 184,026,898
39 539,256,070 216,983,352
40 623,553,501 253,251,952
41 719,925,295 293,163,912
42 830,016,242 337,083,568
43 955,688,093 385,411,690
44 1,099,047,556 438,589,123
45 1,262,477,844 497,100,800
Amount needed from investment

4,793,116

10,729,677

102,857,179