THIS IS A VIEW-ONLY EXCEL SHEET.

DOWNLOAD THIS SHEET (FILE -> DOWNLOAD AS XLSX) AND THEN USE IT ON YOUR OWN

This workbook will help you estimate how much you need to save and invest, so that you can "retire" by a certain age.
Retirement here means that the returns generated every year on your investment amount, is enough to pay for your needs and wants.

Step 1
1. Enter your current age and when you wish to retire
2. Enter the amount you can invest, starting today (in lumpsum, if any and then monthly investments)
3. Estimate what is likely to be your monthly expenses, once you retire
4. State all the major spends (beyond monthly expenses) that you will need, and when

Step 2
All of this will give you the investment corpus you will have, at the end of the retirement age

Step 3
By changing cell B23, you will be able to estimate how long will this investment corpus last
This takes into account your monthly expenses (growing with inflation), your scheduled expenses and also your yearly increase in monthly expenses

IMP: Tax Implications are not considered in this, because it is hard to predict what the taxes will be in the future.
Today, there is 10% tax on long-term-capital gains, which means any equities held for more than a year.
Even if you assume taxes, the numbers will not be dramatically different.
Current Age 25
Retirement Age 45

Lumpsum Investment today 100,000 incase you have some lumpsum amount to invest today, else ente
Monthly SIP Today 25,000 what is the monthly investment you are going to make, until your
Increase every year by? 10% How much are you going to increase this monthly amount by, eve

Annual Return generated 15% This is assumed, if you invest for 10+ years and invest it in equitie
Inflation 6%
Monthly Expenses at retirement age 200,000 towards needs and wants
Expected increase post retirement 3% yearly (do not account for inflation - that is already assumed)

Amounts needed post retirement When (age?) How much (in today terms)?
Kid's Education 45 2,500,000
House 50 4,000,000
Item 1
Item 2
Item 3

Amount at retirement age 70,368,288 36,622,563

(in the bank) (inflation adj)

This corpus (B20), if it grows by 12% every year

It will last until the age of 85 years, adjusted for ALL your needs, wants and inflation!
e lumpsum amount to invest today, else enter 0
nvestment you are going to make, until your retirement age?
oing to increase this monthly amount by, every year?

u invest for 10+ years and invest it in equities

nt for inflation - that is already assumed)

Inflation adj amount

8,017,839
17,167,483

LL your needs, wants and inflation!

Post Retirement

Age Monthly Expenses Starting Corpus Returns Generated Expenses Additional Withdrawal Corpus left
45 200,000 70,368,288 8,444,195 2,400,000 8,017,839 68,394,644
46 218,360 68,394,644 8,207,357 2,620,320 - 73,981,681
47 238,405 73,981,681 8,877,802 2,860,865 - 79,998,617
48 260,291 79,998,617 9,599,834 3,123,493 - 86,474,959
49 284,186 86,474,959 10,376,995 3,410,229 - 93,441,724
50 310,274 93,441,724 11,213,007 3,723,289 17,167,483 83,763,960
51 338,757 83,763,960 10,051,675 4,065,086 - 89,750,548
52 369,855 89,750,548 10,770,066 4,438,261 - 96,082,353
53 403,808 96,082,353 11,529,882 4,845,694 - 102,766,542
54 440,877 102,766,542 12,331,985 5,290,528 - 109,807,998
55 481,350 109,807,998 13,176,960 5,776,199 - 117,208,759
56 525,538 117,208,759 14,065,051 6,306,454 - 124,967,356
57 573,782 124,967,356 14,996,083 6,885,386 - 133,078,052
58 626,455 133,078,052 15,969,366 7,517,465 - 141,529,954
59 683,964 141,529,954 16,983,594 8,207,568 - 150,305,980
60 746,752 150,305,980 18,036,718 8,961,023 - 159,381,674
61 815,304 159,381,674 19,125,801 9,783,645 - 168,723,830
62 890,149 168,723,830 20,246,860 10,681,783 - 178,288,907
63 971,864 178,288,907 21,394,669 11,662,371 - 188,021,204
64 1,061,081 188,021,204 22,562,545 12,732,977 - 197,850,772
65 1,158,489 197,850,772 23,742,093 13,901,864 - 207,691,000
66 1,264,838 207,691,000 24,922,920 15,178,055 - 217,435,865
67 1,380,950 217,435,865 26,092,304 16,571,401 - 226,956,768
68 1,507,721 226,956,768 27,234,812 18,092,655 - 236,098,925
69 1,646,130 236,098,925 28,331,871 19,753,561 - 244,677,235
70 1,797,245 244,677,235 29,361,268 21,566,938 - 252,471,565
71 1,962,232 252,471,565 30,296,588 23,546,783 - 259,221,369
72 2,142,365 259,221,369 31,106,564 25,708,378 - 264,619,556
73 2,339,034 264,619,556 31,754,347 28,068,407 - 268,305,496
 74 2,553,757 268,305,496 32,196,660 30,645,086 - 269,857,069
75 2,788,192 269,857,069 32,382,848 33,458,305 - 268,781,612
76 3,044,148 268,781,612 32,253,793 36,529,778 - 264,505,628
77 3,323,601 264,505,628 31,740,675 39,883,211 - 256,363,092
78 3,628,708 256,363,092 30,763,571 43,544,490 - 243,582,172
79 3,961,823 243,582,172 29,229,861 47,541,874 - 225,270,159
80 4,325,518 225,270,159 27,032,419 51,906,219 - 200,396,359
81 4,722,601 200,396,359 24,047,563 56,671,209 - 167,772,713
82 5,156,136 167,772,713 20,132,726 61,873,626 - 126,031,812
83 5,629,469 126,031,812 15,123,817 67,553,625 - 73,602,004
84 6,146,254 73,602,004 8,832,241 73,755,048 - 8,679,197
85 6,710,480 8,679,197 1,041,504 80,525,762 - -70,805,061
86 7,326,502 -70,805,061 -8,496,607 87,918,026 - -167,219,695
87 7,999,075 -167,219,695 -20,066,363 95,988,901 - -283,274,960
88 8,733,390 -283,274,960 -33,992,995 104,800,682 - -422,068,637
89 9,535,115 -422,068,637 -50,648,236 114,421,385 - -587,138,259
90 10,410,439 -587,138,259 -70,456,591 124,925,268 - -782,520,118
91 11,366,117 -782,520,118 -93,902,414 136,393,408 - -1,012,815,939
92 12,409,527 -1,012,815,939 -121,537,913 148,914,323 - -1,283,268,175
93 13,548,721 -1,283,268,175 -153,992,181 162,584,657 - -1,599,845,013
94 14,792,494 -1,599,845,013 -191,981,402 177,509,929 - -1,969,336,344
95 16,150,445 -1,969,336,344 -236,320,361 193,805,340 - -2,399,462,045
96 17,633,056 -2,399,462,045 -287,935,446 211,596,671 - -2,898,994,162
97 19,251,770 -2,898,994,162 -347,879,299 231,021,245 - -3,477,894,706
98 21,019,083 -3,477,894,706 -417,347,365 252,228,995 - -4,147,471,066
99 22,948,635 -4,147,471,066 -497,696,528 275,383,617 - -4,920,551,211
100 25,055,319 -4,920,551,211 -590,466,145 300,663,833 - -5,811,681,190
100 27,355,398 -5,811,681,190 -697,401,743 328,264,773 - -6,837,347,706
100 29,866,623 -6,837,347,706 -820,481,725 358,399,479 - -8,016,228,910
100 32,608,379 -8,016,228,910 -961,947,469 391,300,551 - -9,369,476,931
100 35,601,829 -9,369,476,931 -1,124,337,232 427,221,942 - -10,921,036,105
100 38,870,076 -10,921,036,105 -1,310,524,333 466,440,916 - -12,698,001,354
100 42,438,349 -12,698,001,354 -1,523,760,162 509,260,193 - -14,731,021,709
100 46,334,190 -14,731,021,709 -1,767,722,605 556,010,278 - -17,054,754,592
100 50,587,668 -17,054,754,592 -2,046,570,551 607,052,022 - -19,708,377,165
100 55,231,616 -19,708,377,165 -2,365,005,260 662,779,397 - -22,736,161,822
100 60,301,879 -22,736,161,822 -2,728,339,419 723,622,546 - -26,188,123,787
100 65,837,591 -26,188,123,787 -3,142,574,854 790,051,096 - -30,120,749,737
100 71,881,482 -30,120,749,737 -3,614,489,968 862,577,786 - -34,597,817,491
100 78,480,202 -34,597,817,491 -4,151,738,099 941,762,427 - -39,691,318,017
100 85,684,685 -39,691,318,017 -4,762,958,162 ### - -45,482,492,397
100 93,550,539 -45,482,492,397 -5,457,899,088 ### - -52,062,997,951
100 102,138,478 -52,062,997,951 -6,247,559,754 ### - -59,536,219,446
100 111,514,791 -59,536,219,446 -7,144,346,333 ### - -68,018,743,268