USE THIS WORKSHEET TO DETERMIN

RETIREMENT CASH

Kindly change the GREEN cells only Kindly change t

Year Age

Your Current Age 31 1 32

Your Retirement Age 60 2 33
Life Expectancy 85 3 34
Inflation 6.0% 4 35
Pre retirement returns 11.0% 5 36
Post retirement returns 7.0% 6 37
Est. monthly expenses at age 31 100000 7 38
Est. monthly expenses at age 60 541839 8 39
9 40
10 41
11 42
12 43
13 44
14 45
15 46
16 47
17 48
18 49
19 50
20 51
21 52
22 53
23 54
24 55
25 56
26 57
27 58
28 59
29 60
30 61
31 62
32 63
33 64
34 65
35 66
36 67
37 68
38 69
39 70
40 71
41 72
42 73
43 74
44 75
45 76
46 77
47 78
48 79
49 80
50 81
RKSHEET TO DETERMINE YOUR PRE AND POST
RETIREMENT CASHFLOW

Kindly change the GREEN cells only

Post Retirement
Monthly Annual Pre-Retirement
Monthly
Investment Investment Corpus
Expenses
20,000 240,000 266,400 -
20,000 240,000 562,104 -
20,000 240,000 890,335 -
20,000 240,000 1,254,672 -
20,000 240,000 1,659,086 -
30,000 360,000 2,241,186 -
30,000 360,000 2,887,316 -
30,000 360,000 3,604,521 -
30,000 360,000 4,400,618 -
30,000 360,000 5,284,286 -
40,000 480,000 6,398,358 -
40,000 480,000 7,634,977 -
40,000 480,000 9,007,625 -
40,000 480,000 10,531,263 -
40,000 480,000 12,222,502 -
50,000 600,000 14,232,978 -
50,000 600,000 16,464,605 -
50,000 600,000 18,941,712 -
50,000 600,000 21,691,300 -
50,000 600,000 24,743,343 -
60,000 720,000 28,264,311 -
60,000 720,000 32,172,585 -
60,000 720,000 36,510,769 -
60,000 720,000 41,326,154 -
60,000 720,000 46,671,231 -
- 51,805,066 -
- 57,503,624 -
- 63,829,022 -
- 70,850,215 -
- - 6,502,065
- - 6,892,189
- - 7,305,721
- - 7,744,064
- - 8,208,708
- - 8,701,230
- - 9,223,304
- - 9,776,702
- - 10,363,305
- - 10,985,103
- - 11,644,209
- - 12,342,862
- - 13,083,433
- - 13,868,439
- - 14,700,546
- - 15,582,578
- - 16,517,533
- - 17,508,585
- - 18,559,100
- - 19,672,646
- - 20,853,005
Post-Retirement
Corpus

-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
- -
-
-
-
69,307,664
 67,267,011
64,669,981
61,452,816
57,545,805
52,872,781
47,350,572
40,888,409
33,387,293
24,739,301
14,826,843
3,521,861
(9,315,042) > YOUR MONEY WILL RUN OUT
(23,835,534) > YOUR MONEY WILL RUN OUT
(40,204,567) > YOUR MONEY WILL RUN OUT
(58,601,465) > YOUR MONEY WILL RUN OUT
(79,221,101) > YOUR MONEY WILL RUN OUT
(102,275,163) > YOUR MONEY WILL RUN OUT
(127,993,524) > YOUR MONEY WILL RUN OUT
(156,625,717) > YOUR MONEY WILL RUN OUT
(188,442,522) > YOUR MONEY WILL RUN OUT
Kindly change only GREEN shaded cells

BASIC DETAILS

Your Current Age 35

Your Retirement Age 60

EXISTING INVESTMENTS

EPF Balance

Invested Amount (today) 240,000

Expected Annual Returns (post tax) 6.0%
Corpus when you are 60 years 1,030,049

FUTURE INVESTMENTS

MO
Age EPF
36 10,000
37 11,000
38 12,100
39 13,310
40 14,641
41 16,105
42 17,716
43 19,487
44 21,436
45 23,579
46 25,937
47 28,531
48 31,384
49 34,523
50 37,975
 51 41,772
52 45,950
53 50,545
54 55,599
55 61,159
56 67,275
57 74,002
58 81,403
59 89,543
60 98,497

SUMMARY

Corpus from existing investments by age 60 16,350,213

Corpus from future investments by age 60 42,202,015
Total Corpus 58,552,228
USE THIS WORKSHEET TO DETERMINE HOW MUCH CORPUS (PER
ASSET CLASS) YOU WOULD HAVE ACCUMULATED AT THE TIME OF
RETIREMENT

Mutual Fund
PPF Balance Fixed Deposits NPS Balance TOTAL
Portfolio
650,000 900,000 800,000 - 2,590,000
6.0% 6.0% 10.0% 9.0% 7.6%
2,789,716 3,862,684 8,667,765 - 16,350,213

MONTHLY INVESTMENT
PPF Fixed Deposit Mutual Funds NPS TOTAL
12,500 - 10,000 5,000 37,500
12,500 - 10,000 5,000 38,500
12,500 - 10,000 5,000 39,600
12,500 - 10,000 5,000 40,810
12,500 - 10,000 5,000 42,141
- - 10,000 5,000 31,105
- - 10,000 5,000 32,716
- - 10,000 5,000 34,487
- - 10,000 5,000 36,436
- - 10,000 5,000 38,579
- - 10,000 5,000 40,937
- - 10,000 5,000 43,531
- - 10,000 5,000 46,384
- - 10,000 5,000 49,523
- - 10,000 5,000 52,975
- - 10,000 5,000 56,772
- - 10,000 5,000 60,950
- - 10,000 5,000 65,545
- - 10,000 5,000 70,599
- - 10,000 5,000 76,159
- - 10,000 5,000 82,275
- - 10,000 5,000 89,002
- - 10,000 5,000 96,403
- - 10,000 5,000 104,543
- - 10,000 5,000 113,497
 CORPUS
EPF PPF Fixed Deposit Mutual Funds
127,200 159,000 - 132,000
274,752 327,540 - 277,200
445,149 506,192 - 436,920
641,161 695,564 - 612,612
865,864 896,298 - 805,873
1,122,673 950,076 - 1,018,461
1,415,376 1,007,080 - 1,252,307
1,748,176 1,067,505 - 1,509,537
2,125,731 1,131,555 - 1,792,491
2,553,205 1,199,449 - 2,103,740
3,036,322 1,271,416 - 2,446,114
3,581,417 1,347,700 - 2,822,725
4,195,511 1,428,562 - 3,236,998
4,886,370 1,514,276 - 3,692,698
5,662,594 1,605,133 - 4,193,968
 6,533,696 1,701,441 - 4,745,364
7,510,198 1,803,527 - 5,351,901
8,603,739 1,911,739 - 6,019,091
9,827,184 2,026,443 - 6,753,000
11,194,759 2,148,030 - 7,560,300
12,722,183 2,276,912 - 8,448,330
14,426,825 2,413,526 - 9,425,163
16,327,878 2,558,338 - 10,499,679
18,446,538 2,711,838 - 11,681,647
20,806,216 2,874,548 - 12,981,812
NPS TOTAL
65,400 483,600
136,686 1,016,178
214,388 1,602,649
299,083 2,248,420
391,400 2,959,436
492,026 3,583,235
601,708 4,276,471
721,262 5,046,480
851,576 5,901,353
993,618 6,850,012
1,148,443 7,902,294
1,317,203 9,069,046
1,501,151 10,362,222
1,701,655 11,794,999
1,920,204 13,381,898
2,158,422 15,138,923
2,418,080 17,083,706
2,701,108 19,235,676
3,009,607 21,616,235
3,345,872 24,248,961
3,712,400 27,159,824
4,111,916 30,377,431
4,547,389 33,933,284
5,022,054 37,862,077
5,539,439 42,202,015