KINDLY CHANGE ONLY THE ORANGE SHADED CELLS

YOUR CURRENT AGE 26 YEARS

WHEN YOU WANT TO RETIRE 40 YEARS
EXPECT TO LIVE UNTIL 75 YEARS

CURRENT SAVINGS TILL DATE ₹150,000

CURRENT MONTHLY SAVING ₹30,000
INCREASE IN SAVINGS (ANNUALLY) 5.0%

RETURN ON INVESTMENT (PRE-TAX) 12.0%

CAPITAL GAIN TAX 10.0%

POST RETIREMENT MONTHLY EXPENSES ₹60,000

HOUSEHOLD INFLATION RATE 8.0%

SIMULATION

INCREMENTAL RETURN ON
CORPUS AT
AGE SAVINGS DURING INVESTED
BEGINNING OF YEAR
THE YEAR AMOUNT

26 150,000 360,000 18,000

27 528,000 378,000 57,024
28 963,024 396,900 104,007
29 1,463,931 416,745 158,105
30 2,038,780 437,582 220,188
31 2,696,551 459,461 291,227
32 3,447,239 482,434 372,302
33 4,301,976 506,556 464,613
34 5,273,145 531,884 569,500
35 6,374,529 558,478 688,449
36 7,621,456 586,402 823,117
37 9,030,975 615,722 975,345
38 10,622,043 646,508 1,147,181
39 12,415,732 678,834 1,340,899
40 14,435,465 712,775 1,559,030
41 15,915,270 - 1,718,849
42 16,778,759 - 1,812,106
43 17,667,077 - 1,908,044
44 18,577,429 - 2,006,362
45 19,506,284 - 2,106,679
46 20,449,255 - 2,208,520
47 21,400,970 - 2,311,305
48 22,354,926 - 2,414,332
49 23,303,321 - 2,516,759
50 24,236,868 - 2,617,582
51 25,144,581 - 2,715,615
52 26,013,538 - 2,809,462
53 26,828,610 - 2,897,490
54 27,572,157 - 2,977,793
55 28,223,693 - 3,048,159
56 28,759,494 - 3,106,025
57 29,152,173 - 3,148,435
58 29,370,193 - 3,171,981
59 29,377,326 - 3,172,751
60 29,132,042 - 3,146,261
61 28,586,825 - 3,087,377
62 27,687,406 - 2,990,240
63 26,371,906 - 2,848,166
64 24,569,872 - 2,653,546
65 22,201,203 - 2,397,730
66 19,174,941 - 2,070,894
67 15,387,923 - 1,661,896
68 10,723,274 - 1,158,114
69 5,048,719 - 545,262
70 (1,785,301) - -
71 (9,754,925) - -
72 (18,362,120) - -
73 (27,657,889) - -
74 (37,697,321) - -
75 (48,539,906) - -
76 (60,249,899) - -
77 (72,896,691) - -
78 (86,555,227) - -
79 (101,306,445) - -
80 (117,237,761) - -
81 (134,443,582) - -
82 (153,025,868) - -
83 (173,094,738) - -
84 (194,769,117) - -
85 (218,177,447) - -
86 (243,458,443) - -
87 (270,761,918) - -
88 (300,249,672) - -
89 (332,096,446) - -
90 (366,490,962) - -
91 (403,637,039) - -
92 (443,754,802) - -
93 (487,081,986) - -
94 (533,875,346) - -
95 (584,412,173) - -
96 (638,991,947) - -
97 (697,938,103) - -
THIS WORKSHEET IS DOWNLOADABLE.
PLEASE TAP ON "DOWNLOAD" WHICH IS
WITHIN THE "FILE" TAB ABOVE

WITHDRAWALS
DURING THE YEAR

-
-
-
-
-
-
-
-
-
-
-
-
-
-
720,000 YOU RETIRE HERE
777,600
839,808
 906,993
979,552
1,057,916
1,142,550
1,233,953
1,332,670
1,439,283
1,554,426
1,678,780
1,813,082
1,958,129
2,114,779
2,283,962
2,466,679
2,664,013
2,877,134
3,107,305
3,355,889
3,624,360
3,914,309
4,227,454
4,565,650
4,930,902
5,325,374
5,751,404
6,211,517
6,708,438
7,245,113 YOU HAVE RUN OUT OF FUNDS
7,824,722 YOU HAVE RUN OUT OF FUNDS
8,450,700 YOU HAVE RUN OUT OF FUNDS
9,126,756 YOU HAVE RUN OUT OF FUNDS
9,856,896 YOU HAVE RUN OUT OF FUNDS
10,645,448 YOU HAVE RUN OUT OF FUNDS
11,497,084 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
12,416,850 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
13,410,198 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
14,483,014 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
15,641,655 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
16,892,988 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
18,244,427 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
19,703,981 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
21,280,300 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
22,982,724 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
24,821,341 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
26,807,049 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
28,951,613 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
31,267,742 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
33,769,161 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
36,470,694 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
39,388,349 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
42,539,417 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
45,942,571 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
49,617,976 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
53,587,415 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS
57,874,408 YOU'RE DEAD YOU HAVE RUN OUT OF FUNDS