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3% Salary Increase
Table 1
6% Salary Increase
Table 1
3% Salary Increase 20W I30
Table 1
6% Salary Increase 20W I30
Table 1
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orksheets. Please be aware that formula

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3% Salary Increase

6% Salary Increase

3% Salary Increase 20W I30

6% Salary Increase 20W I30

 Table 1
Year Salary Needs 50% Wants 30% Investments @ 20% Returns @ 10 % Returns @ 12% Returns @ 15%

1 240,000 120,000 72,000 48,000 52,800 53,760 55,200

2 247,200 123,600 74,160 49,440 112,464 115,584 120,336

3 254,616 127,308 76,385 50,923 179,726 186,488 196,948

4 262,254 131,127 78,676 52,451 255,394 267,612 286,809
5 270,122 135,061 81,037 54,024 340,361 360,232 391,958

6 278,226 139,113 83,468 55,645 435,607 465,783 514,744

7 286,573 143,286 85,972 57,315 542,213 585,869 657,867
8 295,170 147,585 88,551 59,034 661,372 722,291 824,436

9 304,025 152,012 91,207 60,805 794,394 877,068 1,018,027

10 313,146 156,573 93,944 62,629 942,726 1,052,461 1,242,755
11 322,540 161,270 96,762 64,508 1,107,957 1,251,005 1,503,352
12 332,216 166,108 99,665 66,443 1,291,841 1,475,542 1,805,265

13 342,183 171,091 102,655 68,437 1,496,305 1,729,256 2,154,757

14 352,448 176,224 105,734 70,490 1,723,474 2,015,715 2,559,033

15 363,022 181,511 108,906 72,604 1,975,686 2,338,917 3,026,383

16 373,912 186,956 112,174 74,782 2,255,515 2,703,344 3,566,341

17 385,130 192,565 115,539 77,026 2,565,795 3,114,014 4,189,872
18 396,683 198,342 119,005 79,337 2,909,645 3,576,553 4,909,589

19 408,584 204,292 122,575 81,717 3,290,498 4,097,262 5,740,002

20 420,841 210,421 126,252 84,168 3,712,133 4,683,202 6,697,796
21 433,467 216,733 130,040 86,693 4,178,709 5,342,283 7,802,163
22 446,471 223,235 133,941 89,294 4,694,804 6,083,366 9,075,175

23 459,865 229,932 137,959 91,973 5,265,454 6,916,380 10,542,221

24 473,661 236,830 142,098 94,732 5,896,205 7,852,445 12,232,496
25 487,871 243,935 146,361 97,574 6,593,157 8,904,022 14,179,580

26 502,507 251,253 150,752 100,501 7,363,024 10,085,066 16,422,094

27 517,582 258,791 155,275 103,516 8,213,195 11,411,212 19,004,452
28 533,109 266,555 159,933 106,622 9,151,798 12,899,974 21,977,735
29 549,103 274,551 164,731 109,821 10,187,781 14,570,970 25,400,689

30 565,576 282,788 169,673 113,115 11,330,985 16,446,175 29,340,874

31 582,543 291,271 174,763 116,509 12,592,243 18,550,206 33,875,990
32 600,019 300,010 180,006 120,004 13,983,472 20,910,635 39,095,393

33 618,020 309,010 185,406 123,604 15,517,784 23,558,348 45,101,847

34 636,560 318,280 190,968 127,312 17,209,605 26,527,939 52,013,533
35 655,657 327,829 196,697 131,131 19,074,810 29,858,159 59,966,364

36 675,327 337,663 202,598 135,065 21,130,863 33,592,411 69,116,644

37 695,587 347,793 208,676 139,117 23,396,979 37,779,312 79,644,125
38 716,454 358,227 214,936 143,291 25,894,297 42,473,315 91,755,529
39 737,948 368,974 221,384 147,590 28,646,075 47,735,413 105,688,586

40 760,086 380,043 228,026 152,017 31,677,901 53,633,922 121,716,694

3
 Table 1
Year Salary Needs 50% Wants 30% Investments @ 20% Returns @ 10 % Returns @ 12% Returns @ 15%

1 240,000 120,000 72,000 48,000 52,800 53,760 55,200

2 254,400 127,200 76,320 50,880 114,048 117,197 121,992

3 269,664 134,832 80,899 53,933 184,779 191,665 202,314

4 285,844 142,922 85,753 57,169 266,142 278,694 298,405
5 302,994 151,497 90,898 60,599 359,415 380,008 412,854

6 321,174 160,587 96,352 64,235 466,015 497,552 548,652

7 340,445 170,222 102,133 68,089 587,515 633,518 709,252
8 360,871 180,436 108,261 72,174 725,658 790,375 898,641

9 382,524 191,262 114,757 76,505 882,379 970,905 1,121,417

10 405,475 202,737 121,642 81,095 1,059,821 1,178,240 1,382,889
11 429,803 214,902 128,941 85,961 1,260,360 1,415,905 1,689,177
12 455,592 227,796 136,677 91,118 1,486,626 1,687,866 2,047,340

13 482,927 241,464 144,878 96,585 1,741,533 1,998,586 2,465,514

14 511,903 255,951 153,571 102,381 2,028,305 2,353,083 2,953,078

15 542,617 271,308 162,785 108,523 2,350,511 2,756,999 3,520,842

16 575,174 287,587 172,552 115,035 2,712,100 3,216,678 4,181,258

17 609,684 304,842 182,905 121,937 3,117,441 3,739,248 4,948,675
18 646,265 323,133 193,880 129,253 3,571,363 4,332,721 5,839,617

19 685,041 342,521 205,512 137,008 4,079,209 5,006,097 6,873,119

20 726,144 363,072 217,843 145,229 4,646,881 5,769,485 8,071,100
21 769,713 384,856 230,914 153,943 5,280,906 6,634,239 9,458,799
22 815,895 407,948 244,769 163,179 5,988,494 7,613,108 11,065,274

23 864,849 432,424 259,455 172,970 6,777,610 8,720,407 12,923,981

24 916,740 458,370 275,022 183,348 7,657,053 9,972,206 15,073,428
25 971,744 485,872 291,523 194,349 8,636,542 11,386,542 17,557,944

26 1,030,049 515,024 309,015 206,010 9,726,808 12,983,657 20,428,546

27 1,091,852 545,926 327,556 218,370 10,939,696 14,786,271 23,743,954
28 1,157,363 578,682 347,209 231,473 12,288,285 16,819,873 27,571,741
29 1,226,805 613,402 368,041 245,361 13,787,011 19,113,062 31,989,667

30 1,300,413 650,207 390,124 260,083 15,451,803 21,697,922 37,087,212

31 1,378,438 689,219 413,531 275,688 17,300,239 24,610,443 42,967,335
32 1,461,144 730,572 438,343 292,229 19,351,715 27,890,992 49,748,498

33 1,548,813 774,406 464,644 309,763 21,627,625 31,584,845 57,567,000

34 1,641,742 820,871 492,522 328,348 24,151,571 35,742,777 66,579,650
35 1,740,246 870,123 522,074 348,049 26,949,582 40,421,725 76,966,854

36 1,844,661 922,330 553,398 368,932 30,050,366 45,685,536 88,936,155

37 1,955,340 977,670 586,602 391,068 33,485,577 51,605,797 102,726,306
38 2,072,661 1,036,330 621,798 414,532 37,290,120 58,262,769 118,611,964
39 2,197,021 1,098,510 659,106 439,404 41,502,477 65,746,434 136,909,073

40 2,328,842 1,164,421 698,653 465,768 46,165,070 74,157,666 157,981,068

4
 Table 1
Year Salary Needs 50% Wants 20% Investments @ 30% Returns @ 10 % Returns @ 12% Returns @ 15%

1 240,000 120,000 48,000 72,000 79,200 80,640 82,800

2 247,200 123,600 49,440 74,160 168,696 173,376 180,504

3 254,616 127,308 50,923 76,385 269,589 279,732 295,422

4 262,254 131,127 52,451 78,676 383,092 401,417 430,213
5 270,122 135,061 54,024 81,037 510,541 540,349 587,937

6 278,226 139,113 55,645 83,468 653,410 698,674 772,116

7 286,573 143,286 57,315 85,972 813,320 878,804 986,801
8 295,170 147,585 59,034 88,551 992,058 1,083,437 1,236,654

9 304,025 152,012 60,805 91,207 1,191,592 1,315,602 1,527,041

10 313,146 156,573 62,629 93,944 1,414,089 1,578,691 1,864,133
11 322,540 161,270 64,508 96,762 1,661,936 1,876,507 2,255,029
12 332,216 166,108 66,443 99,665 1,937,761 2,213,313 2,707,898

13 342,183 171,091 68,437 102,655 2,244,457 2,593,884 3,232,135

14 352,448 176,224 70,490 105,734 2,585,211 3,023,572 3,838,550

15 363,022 181,511 72,604 108,906 2,963,529 3,508,376 4,539,575

16 373,912 186,956 74,782 112,174 3,383,273 4,055,016 5,349,511

17 385,130 192,565 77,026 115,539 3,848,693 4,671,021 6,284,807
18 396,683 198,342 79,337 119,005 4,364,468 5,364,829 7,364,384

19 408,584 204,292 81,717 122,575 4,935,747 6,145,893 8,610,003

20 420,841 210,421 84,168 126,252 5,568,200 7,024,803 10,046,694
21 433,467 216,733 86,693 130,040 6,268,064 8,013,424 11,703,244
22 446,471 223,235 89,294 133,941 7,042,206 9,125,049 13,612,763

23 459,865 229,932 91,973 137,959 7,898,181 10,374,570 15,813,331

24 473,661 236,830 94,732 142,098 8,844,308 11,778,668 18,348,744
25 487,871 243,935 97,574 146,361 9,889,736 13,356,033 21,269,371

26 502,507 251,253 100,501 150,752 11,044,536 15,127,599 24,633,141

27 517,582 258,791 103,516 155,275 12,319,792 17,116,818 28,506,678
28 533,109 266,555 106,622 159,933 13,727,697 19,349,961 32,966,602
29 549,103 274,551 109,821 164,731 15,281,671 21,856,455 38,101,033

30 565,576 282,788 113,115 169,673 16,996,478 24,669,263 44,011,312

31 582,543 291,271 116,509 174,763 18,888,365 27,825,309 50,813,986
32 600,019 300,010 120,004 180,006 20,975,208 31,365,953 58,643,090

33 618,020 309,010 123,604 185,406 23,276,675 35,337,522 67,652,770

34 636,560 318,280 127,312 190,968 25,814,408 39,791,909 78,020,299
35 655,657 327,829 131,131 196,697 28,612,216 44,787,238 89,949,546

36 675,327 337,663 135,065 202,598 31,696,295 50,388,617 103,674,966

37 695,587 347,793 139,117 208,676 35,095,468 56,668,968 119,466,188
38 716,454 358,227 143,291 214,936 38,841,445 63,709,973 137,633,293
39 737,948 368,974 147,590 221,384 42,969,112 71,603,120 158,532,879

40 760,086 380,043 152,017 228,026 47,516,852 80,450,884 182,575,041

5
 Table 1
Year Salary Needs 50% Wants 20% Investments @ 30% Returns @ 10 % Returns @ 12% Returns @ 15%

1 240,000 120,000 48,000 72,000 79,200 80,640 82,800

2 254,400 127,200 50,880 76,320 171,072 175,795 182,988

3 269,664 134,832 53,933 80,899 277,168 287,498 303,470

4 285,844 142,922 57,169 85,753 399,214 418,041 447,607
5 302,994 151,497 60,599 90,898 539,123 570,012 619,281

6 321,174 160,587 64,235 96,352 699,023 746,328 822,978

7 340,445 170,222 68,089 102,133 881,272 950,277 1,063,878
8 360,871 180,436 72,174 108,261 1,088,487 1,185,563 1,347,961

9 382,524 191,262 76,505 114,757 1,323,568 1,456,358 1,682,126

10 405,475 202,737 81,095 121,642 1,589,732 1,767,361 2,074,333
11 429,803 214,902 85,961 128,941 1,890,540 2,123,858 2,533,765
12 455,592 227,796 91,118 136,677 2,229,939 2,531,800 3,071,009

13 482,927 241,464 96,585 144,878 2,612,299 2,997,879 3,698,271

14 511,903 255,951 102,381 153,571 3,042,457 3,529,624 4,429,618

15 542,617 271,308 108,523 162,785 3,525,766 4,135,498 5,281,263

16 575,174 287,587 115,035 172,552 4,068,150 4,825,016 6,271,888

17 609,684 304,842 121,937 182,905 4,676,161 5,608,872 7,423,012
18 646,265 323,133 129,253 193,880 5,357,045 6,499,082 8,759,425

19 685,041 342,521 137,008 205,512 6,118,813 7,509,146 10,309,678

20 726,144 363,072 145,229 217,843 6,970,322 8,654,228 12,106,650
21 769,713 384,856 153,943 230,914 7,921,359 9,951,359 14,188,198
22 815,895 407,948 163,179 244,769 8,982,740 11,419,662 16,597,912

23 864,849 432,424 172,970 259,455 10,166,414 13,080,611 19,385,971

24 916,740 458,370 183,348 275,022 11,485,580 14,958,309 22,610,142
25 971,744 485,872 194,349 291,523 12,954,814 17,079,812 26,336,915

26 1,030,049 515,024 206,010 309,015 14,590,211 19,475,486 30,642,820

27 1,091,852 545,926 218,370 327,556 16,409,544 22,179,407 35,615,931
28 1,157,363 578,682 231,473 347,209 18,432,428 25,229,810 41,357,611
29 1,226,805 613,402 245,361 368,041 20,680,516 28,669,593 47,984,501

30 1,300,413 650,207 260,083 390,124 23,177,704 32,546,883 55,630,818

31 1,378,438 689,219 275,688 413,531 25,950,359 36,915,664 64,451,002
32 1,461,144 730,572 292,229 438,343 29,027,572 41,836,488 74,622,747

33 1,548,813 774,406 309,763 464,644 32,441,438 47,377,268 86,350,500

34 1,641,742 820,871 328,348 492,522 36,227,356 53,614,166 99,869,475
35 1,740,246 870,123 348,049 522,074 40,424,373 60,632,588 115,450,282

36 1,844,661 922,330 368,932 553,398 45,075,548 68,528,305 133,404,232

37 1,955,340 977,670 391,068 586,602 50,228,366 77,408,696 154,089,459
38 2,072,661 1,036,330 414,532 621,798 55,935,180 87,394,153 177,917,946
39 2,197,021 1,098,510 439,404 659,106 62,253,715 98,619,650 205,363,610

40 2,328,842 1,164,421 465,768 698,653 69,247,605 111,236,499 236,971,602