financial plan sameer1
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Assumtions & Goals
Assumptions
Step Scenerio Expectancy Year
1 Mr. Gupta's Current Age 32 2009
2 Mr. Gupta will retire at the age of 55 2032
3 Mr. Gupta will live till the age of 80 2057
4 Avg Annual Inflation rate used in this analysis 4%
5 Savings A/c expected annual rate of return 4%
6 Liquid Fund expected annual rate of return 6%
7 Debt Fund expected annual rate of return 8%
8 Mutual Fund expected annual rate of return 12%
9 Direct Equity expected annual rate of return 14%
10 Education Expenses are expected to increase at the rate 10%
11 Salary income is expected to increase 10%
12 Currenty Living expoenses is expected to increase at the rate 8%
Goals
Step Description Frequency
1 House Property Single Rs.
2 To Create Old Age Income Monthly Rs.
3 Holiday Bunglow (Lonavala) Single Rs.
4 Aryan's School Education Annual Rs.
5 Anurita's School Education Annual Rs.
6 Aryan's College Education Annual Rs.
7 Anurita's College Education Annual Rs.
8 Aryan's Professional Education Annual Rs.
9 Anurita's Professional Education Annual Rs.
10 Aryan's Marriage Goal Single Rs.
11 Anurita's Marriage Goal Single Rs.
12 Financial Security for Wife & Children Annual Rs.
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Assumtions & Goals
Remarks
Goals (Today's Value) Inflation Rate
Start
Year End Year Remarks
6,500,000 4% 2009 2009
10% will be paid down payment and the 90% will be funded
by bank loan with a tenure of 20 yrs and interest rate of
10.75%
35,000 8% 2032 2057
10,000,000 4% 2037 2037 at the age of 60
32,000 10% 2010 2022
32,000 10% 2014 2026
55,000 10% 2023 2027
55,000 10% 2027 20311,500,000 10% 2028 2028
1,500,000 10% 2032 2032
500,000 5% 2031 2031
1,000,000 5% 2035 2035
500,000 8% 2009
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Balance Sheet
Balance Sheet
Assets Amount (in Rs.) % of total Assets Remarks
Liquid Assets
Savings Accounts 165000
Liquid Funds 0
Total 165000 11.74%
Financial Assets
Fixed Interest Investments 0
Mutual Funds 350000
Direct Equity 225000
Cash Value of Life Insurance Policies 0
Gold ETF 0
ESOP 0
Total 575000 40.93%
Personal Assets
Primary House 0
Vacation Home 0
Car / Vehicle 300000
Jewellery 65000
Other Persponal Assets 0
Total 365000 25.98%
Retirement Assets
Provident Funds 300000
Supper Annuation 0
Gratuity 0
Public Provident Fund 0
Cash Value of Pension Plan 0
Total 300000 21.35%
Total Assets 1405000 100%
Liabilities Amount (in Rs.) % of total Assets Remarks
Outstanding Loans
Home Loan 0 0.00%
Vehicle Loan 234000 16.65%
Personal Loan 120000 8.54%
Education Loan 0 0.00%
Total Liabilities 354000 25%
Net Worth (total assets - total liabilities) 1051000 75%
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Cash Flow
Cash Flows
Monthly Annual % of Total Income
Income
Salary-Fixed (CTC) 123000 1476000 100%
Salary-Variable 0 0 0%
Income from business/profession 0 0%
Pension 0 0%
Rental income 0 0 0%
Investment Income 0 0 0%
Other income 0 0 0%
Total Income 123000 1476000 100%
Expenses
Living Expenses 0 0 0%
Household Expenses 25000 300000 20%
House Rent 15000 180000 12%
Education Expenses 0 0 0%
Total 40000 480000 33%
Loan EMI
Home Loan 0 0 0%
Vehicle Loan 6500 78000 5%
Personal Loan 10000 120000 8%
Total Loans 16500 198000 13%
Insurance Premiums
Life Insurance 2000 24000 2%
Health Insurance 0 0 0%
Motor Insurance 0 0 0%
Home (content) Insurance 0 0 0%
Home (building) Insurance 0 0 0%
Other Insurance 0 0 0%
Total Insurance Premiums 2000 24000 2%
Other Expenses
Travel & Vacation 0 0 0%
Charity 0 0 0%
Others 0 0 0%
Total 0 0 0%
0%
Contribution to Emergency Fund 0 0 0%
TaxesSalary - Fixed 29150 349800 24%
Salary - Variable 0 0 0%
Income from Business / Profession 0 0 0%
Pension 0 0 0%
Rental Income 0 0 0%
Investment Income 0 0 0%
Other Income 0 0 0%
Total 29150 349800 24%
Total Expenses 87650 1051800 71%
Excess (Shortage) before Savaings 35350 424200 29%
Savings
Contribution to Retirment Assets 0 0 0%PF (Employer's Contribution) 5000 60000 4%
DescriptionCurrent
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Cash Flow
PF (Employee's Contribution) 5000 60000 4%
Supperannuation 0 0 0%
Gratuity 2000 24000 2%
PPF 0 0 0%
Total Savings 12000 144000 10%
Excess (Shortage) after savings 23350 280200 19%
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Cash Flow
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Financial Plan
Financial Plan
1
Description 2008 2008 2009
Monthly Actual Actual Estimated
Working
Cash Flow Statement
Income
Salary-Fixed (CTC) 123,000 1,476,000 1623600
Salary-Variable - - -
Income from business/profession - - -
Pension - - -
Rental income - - -
Investment Income - - -
Other income - - -
Total Income 123,000 1,476,000 1,623,600
Expenses
Living Expenses - - -
Household Expenses 25,000 300,000 324000
House Rent 15,000 180,000 187,200
Education Expenses - - -
Total 40,000 480,000 511,200
Loan EMI
Home Loan - - -
Vehicle Loan 6,500 78,000 78,000
Personal Loan 10,000 120,000 120,000
Total Loans 16,500 198,000 198,000
Insurance Premiums
Life Insurance 2,000 24,000 77,745Health Insurance - - 5,000
Motor Insurance - - -
Home (content) Insurance - - -
Home (building) Insurance - - -
Other Insurance - - -
Total Insurance Premiums 2,000 24,000 82,745
Other Expenses
Travel & Vacation - - -
Charity - - -
Others - - -
Total - - -
Contribution to Emergency Fund - - -
Taxes
Salary - Fixed 29,150 349,800 321,739
Salary - Variable - - -
Income from Business / Profession - - -
Pension - - -
Rental Income - - -
Investment Income - - -
Other Income - - -
Total 29,150 349,800 321,739
Total Expenses 87,650 1,051,800 1,113,684
Excess (Shortage) before Savaings 35,350 424,200 509,916
Savings
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Financial Plan
Contribution to Retirment Assets - - -
PF (Employer's Contribution) 5,000 60,000 63,000
PF (Employee's Contribution) 5,000 60,000 63,000
Supperannuation - - -
Gratuity 2,000 - -
PPF - - -
Total Savings 12,000 120,000 126,000
Excess (Shortage) after savings 23,350 304,200 383,916
Withdrawals from Investments - -
Excess (Shortage) post Withdrawals 304,200 383,916
Remarks
Working Note for Additional Expenses
Assumptions
Mr. Gupta's Current Age 32 33
Mr. Gupta will retire at the age of 55 55
Mr. Gupta will live till the age of 80 80
Avg Annual Inflation rate used in this analysis 4% 4%
Savings A/c expected annual rate of return 4% 4%
Liquid Fund expected annual rate of return 6% 6%
Debt Fund expected annual rate of return 8% 8%
Mutual Fund expected annual rate of return 12% 12%
Direct Equity expected annual rate of return 14% 14%
Education Expenses are expected to increase at the rate 10% 10%
Salary income is expected to increase 10% 10%
Currenty Living expoenses is expected to increase at the rate 8% 8%
Goals Goals (Today's Value)
Aryan's School Education 32,000 -
Anurita's School Education 32,000 -
Aryan's College Education 55,000 -
Anurita's College Education 55,000 -
Aryan's Professional Education 1,500,000 -
Anurita's Professional Education 1,500,000 -
Total Education Expenses -
Primary House
Property Value 6,500,000
Home Down Payment 650,000
Home Loan Amount 5,850,000
Home EMI -Interest Paid -
Loan Value Left -
Holiday Bunglow (Lonavala) 10,000,000 -
Balance Sheet
Assets
Liquid Assets
Savings Accounts 165,000 127,800
Liquid Funds - 431,016
Total 165,000 558,816
Financial Assets
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Financial Plan
Fixed Interest Investments - -
Mutual Funds 350,000 392,000
Direct Equity 225,000 256,500
Cash Value of Life Insurance Policies - -
Gold ETF - -
ESOP - -
Total 575,000 648,500
Personal Assets
Primary House - 6,500,000
Vacation Home - -
Car / Vehicle 300,000 240,000
Jewellery 65,000 67,600
Other Persponal Assets - -
Total 365,000 6,807,600
Retirement Assets
Provident Funds 300,000 451,500
Supper Annuation - -
Gratuity - -
Public Provident Fund - -
Cash Value of Pension Plan - -
Total 300,000 451,500
Total Assets 1,405,000 8,466,416
Liabilities
Outstanding Loans
Home Loan - 5,939,201
Vehicle Loan 234,000 78,000
Personal Loan 120,000 120,000
Education Loan - -
Total Liabilities 354,000 6,137,201
Net Worth (total assets - total liabilities) 1,051,000 2,329,216
Aryan's Marriage Goal 500,000 -
Anurita's Marriage Goal 1,000,000 -
Financial Security for Wife & Children 500,000
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Financial Plan
2 3 4 5 6 7
2010 2011 2012 2013 2014 2015
Estimated Estimated Estimated Estimated Estimated Estimated
Working Working Working Working Working Working
1785960 1964556 2161012 2377113 2614824 2876306
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
1,785,960 1,964,556 2,161,012 2,377,113 2,614,824 2,876,306
- - - - - -
349920 377914 408147 440798 476062 514147
- - - - - -
38,720 42,592 46,851 51,536 113,380 124,718
388,640 420,506 454,998 492,335 589,442 638,865
734,617 734,617 734,617 734,617 734,617 734,617
78,000 78,000 - - - -
- - - - - -
812,617 812,617 734,617 734,617 734,617 734,617
77,745 77,745 77,745 77,745 77,745 77,7455,200 5,408 5,624 5,849 6,083 6,327
- - - - - -
- - - - - -
- - - - - -
- - - - - -
82,945 83,153 83,369 83,594 83,828 84,072
- - - - - -
- - - - - -
676,000 - - - - -
676,000 - - - - -
- - - - - -
365,782 420,904 481,542 548,247 621,628 702,351
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
365,782 420,904 481,542 548,247 621,628 702,351
2,325,984 1,737,180 1,754,526 1,858,794 2,029,516 2,159,905
(540,024) 227,376 406,485 518,319 585,308 716,401
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Financial Plan
- - - - - -
66,150 69,458 72,930 76,577 80,406 84,426
66,150 69,458 72,930 76,577 80,406 84,426
- - - - - -
- - - - - -
- - - - - -
132,300 138,915 145,861 153,154 160,811 168,852
(672,324) 88,461 260,625 365,165 424,497 547,549
672,324 - - - - -
- 88,461 260,625 365,165 424,497 547,549
34 35 36 37 38 39
55 55 55 55 55 55
80 80 80 80 80 80
4% 4% 4% 4% 4% 4%
4% 4% 4% 4% 4% 4%
6% 6% 6% 6% 6% 6%
8% 8% 8% 8% 8% 8%
12% 12% 12% 12% 12% 12%
14% 14% 14% 14% 14% 14%
10% 10% 10% 10% 10% 10%
10% 10% 10% 10% 10% 10%
8% 8% 8% 8% 8% 8%
38,720 42,592 46,851 51,536 56,690 62,359
- - - - 56,690 62,359
- - - - - -
- - - - - -
- - - - - -
- - - - - -
38,720 42,592 46,851 51,536 113,380 124,718
6,760,000 7,030,400 7,311,616 7,604,081 7,908,244 8,224,574
676,000 703,040 731,162 760,408 790,824 822,457
6,084,000 6,327,360 6,580,454 6,843,673 7,117,419 7,402,116
734,617 734,617 734,617 734,617 734,617 734,617589,818 633,582 622,169 609,468 595,331 579,597
5,939,201 5,838,165 5,725,717 5,600,567 5,461,281 5,306,261
- - - - - -
97,160 105,126 113,749 123,084 147,361 159,716
18,185 21,563 33,572 51,335 58,748 86,137
115,345 126,689 147,321 174,419 206,109 245,853
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Financial Plan
- 13,269 53,424 112,473 185,145 282,090
327,040 392,823 518,149 689,877 900,011 1,172,277
152,960 218,605 379,522 615,238 913,620 1,315,301
- - - - - -
- - - - - -
- - - - - -
480,000 624,698 951,096 1,417,588 1,998,776 2,769,668
6,760,000 7,030,400 7,311,616 7,604,081 7,908,244 8,224,574
- - - - - -
180,000 120,000 60,000 - - -
70,304 73,116 76,041 79,082 82,246 85,536
- - - - - -
7,010,304 7,223,516 7,447,657 7,683,163 7,990,490 8,310,109
622,178 813,978 1,029,026 1,269,647 1,538,379 1,837,993
- - - - - -
- - - - - -
- - - - - -
- - - - - -
622,178 813,978 1,029,026 1,269,647 1,538,379 1,837,993
8,227,827 8,788,880 9,575,101 10,544,818 11,733,754 13,163,624
5,838,165 5,725,717 5,600,567 5,461,281 5,306,261 5,133,730
78,000 78,000 - - - -
- - - - - -
- - - - - -
5,916,165 5,803,717 5,600,567 5,461,281 5,306,261 5,133,730
2,311,662 2,985,163 3,974,534 5,083,537 6,427,493 8,029,894
- - - - - -
- - - - - -
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Financial Plan
8 9 10 11 12 13 14
2016 2017 2018 2019 2020 2021 2022
Estimated Estimated Estimated Estimated Estimated Estimated Estimated
Working Working Working Working Working Working Working
3163937 3480331 3828364 4211200 4632320 5095552 5605108
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
3,163,937 3,480,331 3,828,364 4,211,200 4,632,320 5,095,552 5,605,108
- - - - - - -
555279 599701 647677 699492 755451 815887 881158
- - - - - - -
137,190 150,909 166,000 182,599 200,859 220,945 243,040
692,469 750,610 813,677 882,091 956,310 1,036,832 1,124,198
734,617 734,617 734,617 734,617 734,617 734,617 734,617
- - - - - - -
- - - - - - -
734,617 734,617 734,617 734,617 734,617 734,617 734,617
77,745 77,745 77,745 77,745 77,745 77,745 77,7456,580 6,843 7,117 7,401 7,697 8,005 8,325
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
84,325 84,588 84,862 85,146 85,442 85,750 86,070
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
791,150 888,835 996,292 1,114,501 1,244,536 1,387,579 1,544,933
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
791,150 888,835 996,292 1,114,501 1,244,536 1,387,579 1,544,933
2,302,561 2,458,650 2,629,448 2,816,356 3,020,906 3,244,779 3,489,818
861,376 1,021,681 1,198,915 1,394,845 1,611,415 1,850,773 2,115,289
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Financial Plan
- - - - - - -
88,647 93,080 97,734 102,620 107,751 113,139 118,796
88,647 93,080 97,734 102,620 107,751 113,139 118,796
- - - - - - -
- - - - - - -
- - - - - - -
177,295 186,159 195,467 205,241 215,503 226,278 237,592
684,081 835,521 1,003,448 1,189,604 1,395,912 1,624,495 1,877,697
- - - - - - -
684,081 835,521 1,003,448 1,189,604 1,395,912 1,624,495 1,877,697
40 41 42 43 44 45 46
55 55 55 55 55 55 55
80 80 80 80 80 80 80
4% 4% 4% 4% 4% 4% 4%
4% 4% 4% 4% 4% 4% 4%
6% 6% 6% 6% 6% 6% 6%
8% 8% 8% 8% 8% 8% 8%
12% 12% 12% 12% 12% 12% 12%
14% 14% 14% 14% 14% 14% 14%
10% 10% 10% 10% 10% 10% 10%
10% 10% 10% 10% 10% 10% 10%
8% 8% 8% 8% 8% 8% 8%
68,595 75,454 83,000 91,300 100,430 110,473 121,520
68,595 75,454 83,000 91,300 100,430 110,473 121,520
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
137,190 150,909 166,000 182,599 200,859 220,945 243,040
8,553,557 8,895,699 9,251,527 9,621,588 10,006,451 10,406,709 10,822,978
855,356 889,570 925,153 962,159 1,000,645 1,040,671 1,082,298
7,698,201 8,006,129 8,326,374 8,659,429 9,005,806 9,366,038 9,740,680
734,617 734,617 734,617 734,617 734,617 734,617 734,617562,087 542,598 520,908 496,767 469,900 439,998 406,719
5,133,730 4,941,710 4,728,000 4,490,150 4,225,433 3,930,814 3,602,916
- - - - - - -
173,117 187,653 203,419 220,523 239,078 259,208 281,049
121,691 166,620 222,282 290,201 372,085 469,849 585,636
294,808 354,273 425,702 510,724 611,163 729,057 866,686
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Financial Plan
407,269 565,179 760,910 1,000,223 1,289,628 1,636,473 2,049,045
1,518,175 1,951,012 2,486,168 3,141,389 3,937,130 4,896,934 6,047,875
1,841,484 2,517,053 3,371,164 4,437,929 5,757,195 7,375,450 9,346,862
- - - - - - -
- - - - - - -
- - - - - - -
3,766,928 5,033,243 6,618,242 8,579,542 10,983,953 13,908,857 17,443,782
8,553,557 8,895,699 9,251,527 9,621,588 10,006,451 10,406,709 10,822,978
- - - - - - -
- - - - - - -
88,957 92,515 96,216 100,065 104,067 108,230 112,559
- - - - - - -
8,642,514 8,988,214 9,347,743 9,721,652 10,110,518 10,514,939 10,935,537
2,171,517 2,542,256 2,953,815 3,410,130 3,915,494 4,474,588 5,092,520
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
2,171,517 2,542,256 2,953,815 3,410,130 3,915,494 4,474,588 5,092,520
14,875,767 16,917,986 19,345,501 22,222,048 25,621,128 29,627,442 34,338,525
4,941,710 4,728,000 4,490,150 4,225,433 3,930,814 3,602,916 3,237,978
- - - - - - -
- - - - - - -
- - - - - - -
4,941,710 4,728,000 4,490,150 4,225,433 3,930,814 3,602,916 3,237,978
9,934,057 12,189,986 14,855,351 17,996,615 21,690,314 26,024,526 31,100,546
- - - - - - -
- - - - - - -
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Financial Plan
- - - - - -
175,516 184,291 - - - -
175,516 184,291 - - - -
- - - - - -
- - - - - -
- - - - - -
351,031 368,583 - - - -
5,925,193 5,026,556 (17,527,964) (2,966,921) (3,174,668) (7,157,174)
- - 17,527,964 2,966,921 3,174,668 7,157,174
5,925,193 5,026,556 - - - -
54 55 56 57 58 59
55 55 55 55 55 55
80 80 80 80 80 80
4% 4% 4% 4% 4% 4%
4% 4% 4% 4% 4% 4%
6% 6% 6% 6% 6% 6%
8% 8% 8% 8% 8% 8%
12% 12% 12% 12% 12% 12%
14% 14% 14% 14% 14% 14%
10% 10% 10% 10% 10% 10%
10% 10% 10% 10% 10% 10%
8% 8% 8% 8% 8% 8%
- - - - - -
- - - - - -
- - - - - -
447,715 492,487 - - - -
- - - - - -
- - 14,774,599 - - -
447,715 492,487 14,774,599 - - -
14,811,992 15,404,472 16,020,651 16,661,477 17,327,936 18,021,054
1,481,199 1,540,447 1,602,065 1,666,148 1,732,794 1,802,105
13,330,793 13,864,025 14,418,586 14,995,329 15,595,143 16,218,948
- - - - - -- - - - - -
- - - - - -
- - - - - -
519,669 563,481 4,359,474 719,090 776,617 838,746
2,298,084 2,674,665 13,480,764 18,191,562 19,268,673 20,409,262
2,817,753 3,238,146 17,840,237 18,910,651 20,045,291 21,248,008
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Financial Plan
8,372,779 9,796,585 10,580,312 11,426,737 12,340,875 13,328,145
25,349,789 29,899,730 33,487,698 37,506,222 42,006,968 47,047,805
36,252,474 43,841,098 29,996,974 30,814,260 31,509,135 27,761,236
- - - - - -
- - - - - -
- - - - - -
69,975,042 83,537,414 74,064,983 79,747,218 85,856,979 88,137,186
14,811,992 15,404,472 16,020,651 16,661,477 17,327,936 18,021,054
- - - - - -
- - - - - -
154,045 160,207 166,615 173,279 180,211 187,419
- - - - - -
14,966,037 15,564,679 16,187,266 16,834,756 17,508,147 18,208,473
12,939,373 14,407,802 - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
12,939,373 14,407,802 - - - -
100,698,205 116,748,041 108,092,486 115,492,626 123,410,417 127,593,666
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
100,698,205 116,748,041 108,092,486 115,492,626 123,410,417 127,593,666
- 1,535,762 - - - -
- - - - - 3,733,456
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Financial Plan
14,394,397 15,545,949 16,789,625 18,132,795 19,583,418 21,150,092
52,693,541 50,415,042 51,679,335 52,715,966 53,501,868 53,939,634
27,465,523 - - - - -
- - - - - -
- - - - - -
- - - - - -
94,553,461 65,960,991 68,468,960 70,848,761 73,085,287 75,089,725
18,741,896 19,491,572 20,271,234 21,082,084 21,925,367 22,802,382
- 31,186,515 - - - -
- - - - - -
194,916 202,712 210,821 219,254 228,024 237,145
- - - - - -
18,936,811 50,880,798 20,482,055 21,301,337 22,153,391 23,039,527
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
136,013,161 140,716,051 114,257,732 118,975,219 123,673,305 128,269,958
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
136,013,161 140,716,051 114,257,732 118,975,219 123,673,305 128,269,958
- - - - - -
- - - - - -
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Financial Plan
34 35 36 37 38
2042 2043 2044 2045 2046
Estimated Estimated Estimated Estimated Estimated
Retired Retired Retired Retired Retired
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
5749856 6209845 6706632 7243163 7822616
- - - - -
- - - - -
5,749,856 6,209,845 6,706,632 7,243,163 7,822,616
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -18,242 18,972 19,730 20,520 21,340
- - - - -
- - - - -
- - - - -
- - - - -
18,242 18,972 19,730 20,520 21,340
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
5,768,098 6,228,816 6,726,363 7,263,682 7,843,956
(5,768,098) (6,228,816) (6,726,363) (7,263,682) (7,843,956)
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Financial Plan
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
(5,768,098) (6,228,816) (6,726,363) (7,263,682) (7,843,956)
5,768,098 6,228,816 6,726,363 7,263,682 7,843,956
- - - - -
66 67 68 69 70
55 55 55 55 55
80 80 80 80 80
4% 4% 4% 4% 4%
4% 4% 4% 4% 4%
6% 6% 6% 6% 6%
8% 8% 8% 8% 8%
12% 12% 12% 12% 12%
14% 14% 14% 14% 14%
10% 10% 10% 10% 10%
10% 10% 10% 10% 10%
8% 8% 8% 8% 8%
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
23,714,477 24,663,056 25,649,578 26,675,562 27,742,584
2,371,448 2,466,306 2,564,958 2,667,556 2,774,258
21,343,029 22,196,751 23,084,621 24,008,005 24,968,326
- - - - -- - - - -
- - - - -
- - - - -
1,437,464 1,552,461 1,676,658 1,810,791 1,955,654
30,511,684 32,313,636 34,221,404 36,241,156 38,379,409
31,949,148 33,866,097 35,898,062 38,051,946 40,335,063
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Financial Plan
22,842,099 24,669,467 26,643,024 28,774,466 31,076,424
53,952,120 53,450,100 52,330,586 50,474,932 47,746,693
- - - - -
- - - - -
- - - - -
- - - - -
76,794,219 78,119,567 78,973,611 79,249,399 78,823,117
23,714,477 24,663,056 25,649,578 26,675,562 27,742,584
- - - - -
- - - - -
246,631 256,496 266,756 277,426 288,523
- - - - -
23,961,108 24,919,552 25,916,334 26,952,987 28,031,107
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
132,704,475 136,905,216 140,788,007 144,254,332 147,189,287
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
132,704,475 136,905,216 140,788,007 144,254,332 147,189,287
- - - - -
- - - - -
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Financial Plan
44 45 46 47
2052 2053 2054 2055
Estimated Estimated Estimated Estimated
Retired Retired Retired Retired
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
12413508 13406589 14479116 15637445
- - - -
- - - -
12,413,508 13,406,589 14,479,116 15,637,445
- - - -
- - - -
- - - -
- - - -
- - - -27,002 - - -
- - - -
- - - -
- - - -
- - - -
27,002 - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
12,440,511 13,406,589 14,479,116 15,637,445
(12,440,511) (13,406,589) (14,479,116) (15,637,445)
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Financial Plan
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
(12,440,511) (13,406,589) (14,479,116) (15,637,445)
12,440,511 13,406,589 14,479,116 15,637,445
- - - -
76 77 78 79
55 55 55 55
80 80 80 80
4% 4% 4% 4%
4% 4% 4% 4%
6% 6% 6% 6%
8% 8% 8% 8%
12% 12% 12% 12%
14% 14% 14% 14%
10% 10% 10% 10%
10% 10% 10% 10%
8% 8% 8% 8%
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
35,103,219 36,507,348 37,967,642 39,486,348
3,510,322 3,650,735 3,796,764 3,948,635
31,592,897 32,856,613 34,170,878 35,537,713
- - - -- - - -
- - - -
- - - -
3,103,377 3,351,647 3,619,779 3,909,361
54,112,681 57,297,374 60,668,183 64,235,879
57,216,058 60,649,021 64,287,962 68,145,240
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Financial Plan
49,314,379 41,467,932 29,147,922 14,591,315
2,488,443 - - -
- - - -
- - - -
- - - -
- - - -
51,802,822 41,467,932 29,147,922 14,591,315
35,103,219 36,507,348 37,967,642 39,486,348
- - - -
- - - -
365,073 379,676 394,863 410,658
- - - -
35,468,293 36,887,024 38,362,505 39,897,006
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
144,487,173 139,003,978 131,798,389 122,633,560
- - - -
- - - -
- - - -
- - - -
- - - -
144,487,173 139,003,978 131,798,389 122,633,560
- - - -
- - - -
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Financial Plan
48 49
2056 2057
Estimated Estimated
Retired Retired
- -
- -
- -
- -
- -
- -
- -
- -
- -
16888441 18239516
- -
- -
16,888,441 18,239,516
- -
- -
- -
- -
- -- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
16,888,441 18,239,516
(16,888,441) (18,239,516)
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Financial Plan
- -
- -
- -
- -
- -
- -
- -
(16,888,441) (18,239,516)
16,888,441 18,239,516
- -
80 81
55 55
80 80
4% 4%
4% 4%
6% 6%
8% 8%
12% 12%
14% 14%
10% 10%
10% 10%
8% 8%
- -
- -
- -
- -
- -
- -
- -
41,065,802 42,708,434
4,106,580 4,270,843
36,959,221 38,437,590
- -- -
- -
- -
4,222,110 4,559,879
65,576,891 50,093,175
69,799,001 54,653,054
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EMI
EMI Calculation
Loan 6,084,000
Interest Rate 10.75%
Periods 240
EMI - Monthl 61,218
Year 1 2 3 4 5 6
Month 0 12 24 36 48 60
1 0 53,205 52,300 51,293 50,172 48,924
2 53,954 53,134 52,220 51,204 50,073 48,814
3 53,889 53,061 52,140 51,114 49,973 48,703
4 53,823 52,988 52,058 51,024 49,872 48,591
5 53,757 52,914 51,976 50,932 49,771 48,477
6 53,690 52,840 51,894 50,840 49,668 48,363
7 53,623 52,765 51,810 50,747 49,565 48,248
8 53,555 52,689 51,726 50,654 49,460 48,132
9 53,486 52,613 51,641 50,559 49,355 48,015
10 53,417 52,536 51,555 50,463 49,249 47,896
11 53,347 52,458 51,468 50,367 49,141 47,777
12 53,276 52,379 51,381 50,270 49,033 47,657
Total 589818 633582 622169 609468 595331 579597
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EMI
7 8 9 10 11 12 13 14
72 84 96 108 120 132 144 156
47,535 45,990 44,269 42,355 40,224 37,853 35,214 32,276
47,413 45,853 44,118 42,186 40,036 37,644 34,981 32,017
47,289 45,716 43,964 42,016 39,846 37,432 34,746 31,755
47,164 45,577 43,810 41,844 39,655 37,219 34,508 31,491
47,038 45,437 43,654 41,670 39,462 37,004 34,269 31,225
46,911 45,295 43,497 41,495 39,267 36,787 34,028 30,956
46,783 45,153 43,338 41,318 39,070 36,568 33,784 30,685
46,654 45,009 43,178 41,140 38,872 36,348 33,538 30,412
46,523 44,863 43,016 40,960 38,672 36,125 33,290 30,136
46,392 44,717 42,853 40,779 38,470 35,900 33,040 29,857
46,259 44,569 42,688 40,595 38,266 35,673 32,788 29,576
46,125 44,420 42,522 40,411 38,060 35,444 32,533 29,293
562087 542598 520908 496767 469900 439998 406719 369680
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Retirement Plan
Retirement Plan
1
Description 2008 2008 2009
Monthly Actua Actual Estimated
Working
Retirement Goal - Living Expenses
PV of Future Outflows at the time of retirement
Corpus Needed at the time of Retirement
Employee Provident Fund
Opening Balance 300,000
Additions during the year 126,000
Interest on Opening Balance 25,500Closing Balance 451,500
Growth in Salary (%) 10%
Growth in PF (%) 50%
Public Provident Fund
Opening Balance
Additions during the year
Interest on Opening Balance
Closing Balance
Total Retirement Assets 451,500
Surplus / Defecit at the time of retirement
Retirement Expenses
Retirement Income
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Retirement Plan
8 9 10 11 12 13
2016 2017 2018 2019 2020 2021
Estimated Estimated Estimated Estimated Estimated Estimated
Working Working Working Working Working Working
1,837,993 2,171,517 2,542,256 2,953,815 3,410,130 3,915,494
177,295 186,159 195,467 205,241 215,503 226,278
156,229 184,579 216,092 251,074 289,861 332,817
2,171,517 2,542,256 2,953,815 3,410,130 3,915,494 4,474,588
10% 10% 10% 10% 10% 10%
50% 50% 50% 50% 50% 50%
2,171,517 2,542,256 2,953,815 3,410,130 3,915,494 4,474,588
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Retirement Plan
35 36 37 38 39 40 41 42 43
2043 2044 2045 2046 2047 2048 2049 2050 2051
Estimated Estimated Estimated Estimated Estimated Estimated Estimated Estimated Estimated
Retired Retired Retired Retired Retired Retired Retired Retired Retired
6209845 6706632 7243163 7822616 8448425 9124299 9854243 10642582 11493989
3,086,103 3,144,331 3,203,658 3,264,104 3,325,691 3,388,440 3,452,373 3,517,512 3,583,880
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Retirement Plan
44 45 46 47 48 49
2052 2053 2054 2055 2056 2057
Estimated Estimated Estimated Estimated Estimated Estimated
Retired Retired Retired Retired Retired Retired
12413508 13406589 14479116 15637445 16888441 18239516
3,651,500 3,720,397 3,790,593 3,862,113 3,934,984 4,009,229
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Tax Plan
Basic 516600 568260 625086
HRA 295200 324720 357192
Rent Paid 180000 187,200 -
Option 1 (50%/40% of Basic) 258300 284130 312543
Option 2 (HRA Actually Paid) 295200 324720 357192
Option 3 (Rent - 10% of Basic) 128340 130,374 -
HRA Exemption on least of the above 3 options 128340 130,374 -
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Tax Plan
10 11 12 13 14 15 16
2018 2019 2020 2021 2022 2023 2024
Estimated Estimated Estimated Estimated Estimated Estimated Estimated
Working Working Working Working Working Working Working
3828363.871 4211200.258 4632320.284 5095552.312 5605107.544 6165618.298 6782180.128
1914181.936 2105600.129 2316160.142 2547776.156 2802553.772 3082809.149 3391090.064
765672.7742 842240.0516 926464.0568 1019110.462 1121021.509 1233123.66 1356436.026
1138909.161 1253760.077 1380096.085 1519065.694 1671932.263 1840085.489 2025054.038
9600 9600 9600 9600 9600 9600 9600
0 0 0 0 0 0 0
3828364 4211200 4632320 5095552 5605108 6165618 6782180
0 0 0 0 0 0 0
15000 15000 15000 15000 15000 15000 15000
9600 9600 9600 9600 9600 9600 9600
24600 24600 24600 24600 24600 24600 24600
2400 2400 2400 2400 2400 2400 2400
150000 150000 150000 150000 150000 150000 150000
97,734 102,620 107,751 113,139 118,796 124,736 130,972
77745 77745 77745 77745 77745 77745 77745
213710 237850 264717 294619 327899 364937 406160
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
389,188 418,215 450,213 485,503 524,439 567,418 614,877
100000 100000 100000 100000 100000 100000 100000
3,551,364 3,934,200 4,355,320 4,818,552 5,328,108 5,888,618 6,505,180
7117 7401 7697 8005 8325 8658 9005
0 0 0 0 0 0 0
3,544,247 3,926,799 4,347,623 4,810,547 5,319,782 5,879,960 6,496,175
967,274 1,082,040 1,208,287 1,347,164 1,499,935 1,667,988 1,852,853
- - - - - - -
29,018 32,461 36,249 40,415 44,998 50,040 55,586
996,292 1,114,501 1,244,536 1,387,579 1,544,933 1,718,028 1,908,438
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Tax Plan
39 40 41 42 43 44 45 46
2047 2048 2049 2050 2051 2052 2053 2054
Estimated Estimated Estimated Estimated Estimated Estimated Estimated Estimated
Retired Retired Retired Retired Retired Retired Retired Retired
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
- - - - - - - -
0 0 0 0 0 0 0 0
- - - - - - - -
15000 15000 15000 15000 15000 15000
0 0 0 0 0 0 0 0
(15,000) (15,000) (15,000) (15,000) (15,000) (15,000) - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
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