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Retirement Calculator
Retirement Calculator
2) Next you should move to Main Sheet. See the inflation number. Currently it is set at 6% but if you feel this will ris
come, then adjust it accordingly.
4) If you want to add any buffer to your Monthly Expense, then add that in B10 of the Main Sheet
5) Though it is taken that your corpus will provide pre-tax return of 8.0% and your tax slab would be 30% but if you
do accordingly.
6) Next move to the sheet "Inflation post Retirement". Fill out life expectancy.
7) Notes to read "Inflation Post Retirement" sheet is present in the sheet itself.
maintain the same lifestyle which you are leading
l those numbers as per the new lifestyle.
ain Sheet
Monthly Household
Expense at retirement 231,656
Buffer 15,000
Beginning Portfolio
Total Monthly Outlay 246,656 Ending Portfolio
Yearly Requirement 2,959,868
s entire expense will come from the interest earned from the
corpus accumulated till that age
8.0%
30.0%
5.60%
92,773,560
20,000,000
Retirement Age 45 Inflation 6%
Life Expectancy post
Retirement 75
Fun Years 30
1) Coloumn E (Lefover from Interest Earned…) is the amount when Original Retirement Corpus is
invested at rate mentioned in Main Sheet minus the yearly expense.
2) Since inflation is higher than the post tax return, lefover will reduce over retirement tenure.
3) Coloumn D (Principal Amount) is the corpus which is standing at any given point of time. It
inflates and contracts depending on whether lefover is positive or negative.
flation.
account.
Item Amount
House Rent 0
Kid Education 0
Grocery 25,000
Home Helps 18,000
Utilities 17,700
Travel - Vacationing 20,000
Petrol - Daily Commute 10,000
Annual Expenses on
Monthly Basis 11,333
Misc 20,000
Total 122,033
Annual Expenses 136,000
Insurance 106000
Term Insurance 48000
Medical Insurance 12,000
Parents Medical Insurance 46,000
Servicing 12,000
Utilities 17700
Electricity 12000
Telephone 2500
Broadband 1200
Water 2000