Savings Comparision

Data Points :
Yearly income hike 10%
Yearly expense hike 8%
No of working years 20
Starting yearly salary 600,000
Starting yearly expense 360,000
Savings rate 12%

No investments : With Investments :

Years Yearly Income Yearly Expense Savings Years
1 600,000 360,000 240,000 1
2 660,000 388,800 271,200 2
3 726,000 419,904 306,096 3
4 798,600 453,496 345,104 4
5 878,460 489,776 388,684 5
6 966,306 528,958 437,348 6
7 1,062,937 571,275 491,662 7
8 1,169,230 616,977 552,254 8
9 1,286,153 666,335 619,818 9
10 1,414,769 719,642 695,127 10
11 1,556,245 777,213 779,032 11
12 1,711,870 839,390 872,480 12
13 1,883,057 906,541 976,516 13
14 2,071,363 979,065 1,092,298 14
15 2,278,499 1,057,390 1,221,109 15
16 2,506,349 1,141,981 1,364,368 16
17 2,756,984 1,233,339 1,523,644 17
18 3,032,682 1,332,006 1,700,676 18
19 3,335,950 1,438,567 1,897,383 19
20 3,669,545 1,553,652 2,115,893 20
Total Savings 17,890,693 Tota
Total savings in Crs 1.79 Total S
With Investments :
Yearly Income Yearly Expense Savings Savings invested @ 12%
600,000 360,000 240,000 2,067,063
660,000 388,800 271,200 2,085,519
726,000 419,904 306,096 2,101,668
798,600 453,496 345,104 2,115,621
878,460 489,776 388,684 2,127,487
966,306 528,958 437,348 2,137,368
1,062,937 571,275 491,662 2,145,363
1,169,230 616,977 552,254 2,151,566
1,286,153 666,335 619,818 2,156,069
1,414,769 719,642 695,127 2,158,959
1,556,245 777,213 779,032 2,160,318
1,711,870 839,390 872,480 2,160,228
1,883,057 906,541 976,516 2,158,765
2,071,363 979,065 1,092,298 2,156,003
2,278,499 1,057,390 1,221,109 2,152,012
2,506,349 1,141,981 1,364,368 2,146,859
2,756,984 1,233,339 1,523,644 2,140,611
3,032,682 1,332,006 1,700,676 2,133,328
3,335,950 1,438,567 1,897,383 2,125,069
3,669,545 1,553,652 2,115,893 2,115,893
Total Savings 42,695,771
Total Savings in Crs 4.27