MONTHLY EXPENSE AND SAVINGS

Income
Monthly Income Self 100
Monthly Income Spouse 100
Grand Income 200
Monthly Expenses (Fixed )
Term Insurance Premium 10
Loan EMI 10
Child education expenses 10
GAS 10
Tax Paying 10
Rental Expenses 10
Servent salary 10
Total Fixed Exp 70
Total Fixed Exp % 35%
Monthly Expenses (Variable)
Travel Expenses 5
Groceries 5
Electricity 5
Car maintainance 5
Broadband 5
Dish Bills 5
Miscellaneous 5
Fuel 5
Gift / Team engagement 5
Shopping 5
Medicines 5
Phone Bills 5
Support to Parents 5
Entertainment 5
Water Bills 5
Veggies & Milk 5
Eating Out 5
Childrens Expenses (Others ) 5
Personal Grooming 5
Rent House Maintainance 5
Cosmetics 5
Laundry/ Dry cleaning 5
Kids Extra Classes 5
Total Variable Exp 115
Total Variable Exp % 58%
Gross expenses 185
Gross expenses % 93%
Net Income / Saved 15
Net Income / Saved 8%
 Calculation of Early Retirement Corpus Required
Age
Early Retirement Age

Life Expectancy

Monthly Income Required

Annual Income Required
Inflation
Numbers of years for Early Retirement
Retirement Years ( corpus required for )
Annual Income Required immediately after Early Retirement
Post Retirement Investment Return
Net return on Corpus
Retirement Corpus Required

Retirement Corpous Required

Number of Years to Retirement
Investment Returns Expected upto Retirement
Annual Savings Required
Monthly Savings Required
quired
35
45

75

40,000 (This includes expenses like house hold expenses, telephone bill, school fees, rent,
480000 outing etc which recur monthly and not includes EMI and insurance premium etc)
6%
10
30
859,607
10%
3.77%
₹ -15,281,656.40

₹ 15,281,656.40
10
10%
₹ 958,854
79,904.46
Total SIP Amount Invested with out step up
Rs. 42,00,000

Total Growth with out step up

Rs. 30,29,320

Total Future Value

(Your SIP Investment Amount + Growth) with out step up
Rs. 72,29,320

Total SIP Amount Invested with step up

Rs. 79,80,000

Total Growth with step up

Rs. 69,24,230

Total Future Value

(Your SIP Investment Amount + Growth) with step up
Rs. 1,49,04,230

Year SIP Amount / Month

Year1 35,000
Year2 42,000
Year3 49,000
Year4 56,000
Year5 63,000
Year6 70,000
Year7 77,000
Year8 84,000
Year9 91,000
Year10 98,000
Year11 105,000
Invested Amount / Year Total Invested Amount
420,000 420,000
504,000 924,000
588,000 1,512,000
672,000 2,184,000
756,000 2,940,000
840,000 3,780,000
924,000 4,704,000
1,008,000 5,712,000
1,092,000 6,804,000
1,176,000 7,980,000
0 7,980,000
How much you can invest through monthly SIP? (Rs)
35000
How many months will you continue the SIP?
120

What rate of return do you expect? (% per annum)

10
How much percentage step up monthly SIP? (% per annum)
20