ONCE YOU FILL YOUR INFORMATION IN CELLS C4 to C11, THIS EXCEL CALCULATES OUTPUTS THE EA

PLUG IN YOUR NUMBERS

Current Age
Age by which you want to finish saving for retirement
Retirement Age
Life Expectancy Age

Current Monthly Expenses

Expected Return pre-retirement

Inflation pre-retirement
Inflation post-retirement

RESULTS
Monthly SIP
Years you need to SIP
Number of years to compound
Accumulated Early Retirement Principal untouched
Compounded Retirement Corpus

WORKSHEET

Years in Retirement

Inflation-adjusted Monthly Expenses at Retirement

Inflation-adjusted corpus needed at Retirement
Returns post-retirement (4% above inflation)

Take out only 4% returns for monthly expenses and leave the remaining
returns in equity to beat inflation.

OPTION 1: CONVENTIONAL PLAN

 Conventional Retirement Monthly SIP

Years you need to put aside Conventional Retirement SIP

Total SIP Amount Invested via Conventional plan

OPTION 2: EARLY RETIREMENT PLAN

Early Retirement Principal you need to Accumulate via SIP
Years you need to put aside Early Retirement SIP
SIP needed to accumulate "Early Retirement Principal"
Number of years to compound Accumulated Early Retirement Principal
untouched
Compounded Retirement Corpus

References for formulas used in this Excel:

http://economictimes.indiatimes.com/mf/learn/fund-basics/how-to-calculate-sip-amount-you-need-to-invest-to-achieve-your-goal/article
https://support.microsoft.com/en-us/help/141695/xl-how-to-calculate-compound-interest
S C4 to C11, THIS EXCEL CALCULATES OUTPUTS THE EARLY RETIREMENT SIP NEEDED IN CELL C14

30
40
65
90

Exclude expenses you won't incur in retirement like

50000 EMI/rent, child-care etc

12%
6%
4%

CONVENTIONAL PLAN EARLY RETIREMENT PLAN

₹17,750 ₹29,189
35 10

not applicable 25

₹115,291,302 ₹115,291,302

WORKSHEET
FROM: Retirement Age
25 TO: Life Expectancy Age

₹384,304 AT: Retirement Age

₹115,291,302 AT: Retirement Age
8%

FROM: Retirement Age

₹384,304 TO: Life Expectancy Age

OPTION 1: CONVENTIONAL PLAN

 FROM: Current Age
₹17,750 TO: Retirement Age

FROM: Current Age

35 TO: Retirement Age

FROM: Current Age

₹7,455,018 TO: Retirement Age

OPTION 2: EARLY RETIREMENT PLAN

₹6,781,816 FROM: Current Age
10 TO: Age
FROM: by which
Current Age want to finish saving for retirement
₹29,189 TO: Age
FROM: by which
Current Age want to finish saving for retirement
25 TO: Age
FROM: Age by
by which
which want
want to
to finish
finish saving
saving for
for retirement
retirement
TO: Retirement
AT: Retirement AgeAge
₹115,291,302