FIRE3.0.xlsx

	B	C	D	E	F	G	H	I	J	K	L	M	N	O	P	Q	R	S	T	U	V	W	X	Y	Z	AA	AB	AC	AD	AE	AF	AG	AH	AI	AJ	AK	AL	AM	AN
1
2	LIQUID	ARR			GOALS											LEGEND (only specific columns explained; rest should be self-explanatory)
3	SAVINGS ACCOUNT	3.25%			1. Generate Liquid Cash Flow to meet Annual Expenses											(1) NET CORPUS	Summation of all investments at start of Financial Year
4					2. Corpus Appreciation through smart investing in Equity versus Debt											(2) SAVINGS ACCOUNT	This is liquid cash in our portfolio auto-calculated through NET WORTH minus all other investments for that year
5	FIXED ASSETS	ARR			3. Rechanneling of inflows from high yield investment to stable investment areas to meet YoY expenses
6	REAL ESTATE	5.00%			4. Diversified portfolio for moderate risk											(4) REAL ESTATE	Gets compounded automatically based on anticipated return
7																(6) NPS	Gets compounded automatically based on anticipated return
8	ANNUITIES	ARR			INSTRUCTIONS to fill table											(8) PPF	Gets compounded automatically based on anticipated return. Add incremental amount invested to the principal+interest
9	NPS	10.00%			1. Only Edit the YELLOW cells with desired investment distribution. Extend it for N number of years as you wish to. For illustration, it is shown as 7 years i.e. 2025-2032
10					2. Modify the Expected ARR i.e. Annual Return Rate % in LEFT ASSET columns as anticipated											(24) Rental Yield	Manually Enter Expected Returns based on any property rent out
11	DEBT	ARR			3. Modify the INCOME TAX RATE as anticipated											(25) NPS Annuity	Manually Enter Expected Returns based on final Corpus (only comes into picture post Govt retirement age stipulated)
12	PPF	7.00%			4. Make sure the SAVINGS ACCOUNT (Table Column 2) value is never negative, else it will indicate an INVALID allocation											(29) Stock Dividend	Manually Enter Expected Returns based on Stock Units
13	Bond	8.00%			5. DO NOT modify the formulas/calcuations in non YELLOW cells ! (except for point [6 & 7], read below)
14	Debt MF	8.00%			6. If you are doing new Real Estate investments, formula in Table Column 4 needs to be modified to sum it. Check notes in columm header											(34) CASHFLOW	Indicates summation of returns from all investments
15	Bank FD	7.00%			7. If you are doing active PPF investment, add the X annual amount to the formula in each cell of that Table Column 8. For illustration, X is set to 150000 in the table below.											(35) FIXED CASHFLOW	Regular liquid income generated for that year
16	Corporate FD	8.00%			8. EPF is not listed below as a category with the assumption that you have withdrawn the EPF corpus post retirement. That amount shoud fold into the overall NET CORPUS											(36) ANNUAL EXPENSE	Enter regular annual expense anticipated
17	Digital Gold	5.00%			9. Extend to as many years as required. Simply copy cell formulas from above row and extend to corresponding row cells.											(37) ONE-TIME EXPENSE	Enter any lumpsum expense that would be anticipated in that year
18																(38) TOTAL INFLOW	NET Portfolio increase for that year
19	EQUITY	ARR
20	IND Stocks	12.00%
21	US Stocks	12.00%
22	Equity MF	14.00%
23
24	INCOME TAX RATE	30.00%
25
26			Annual Portfolio Distribution																	Annual Portfolio Cashflow															YoY CASHFLOW, EXPENSE, and INFLOW (a.k.a. SAVINGS)
27	Start with your NW (One below is just indicative with some sample investment distribution YoY for illustration purpose). Follow the instructions above to update the FY rows based on your YoY plan.		Ensure this is non-negative. Else it will indicate an invalid scenario i.e. your investment allocation is exceeding your NW!		With initial one-time investment, assumption is it will auto-appreciate. To factor in new future investments in latter years, you would need to modify the formula to add the new investments explicitly (i.e. current cell formula + new investment value)		ANNUITY		DEBT							EQUITY				ANNUAL GAIN FOR LONG-TERM (Almost guaranteed inflow)				LIQUIDITY INFLOW (Guaranteed YoY inflow)							ANNUAL GAIN FOR LONG-TERM WITH LIQUIDATION OPTION (Not Guaranteed YoY, but mostly guaranteed over long term. Plan should be to liquidate profits YoY while preserving capital, and even potentially rebalancing them into stable investment categories for YoY guaranteed cashflow)				Cashflow from all investments	Guaranteed cashflow (subset of Total Cashflow)	Regular annual expense (may gradually increase over time due to inflation)	Bulk expenses in a year (say an expensive purchase, higher education fees, etc.) i.e. anything that does NOT categorize as an investment asset	Total inflow after expense deduction
28	0	1	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	17	18	19	20	21	22	23	24	25	26	27	28	29	30	31	32	33	34	35	36	37	38
29	Start of FY	NET CORPUS	SAVINGS ACCOUNT	% Allocation	REAL ESTATE	% Allocation	NPS	% Allocation	PPF	Bond	Debt MF	Bank FD	Corporate FD	Digital Gold	% Allocation	Equity MF	IND Stocks	US Stocks	% Allocation	Real Estate	NPS	PPF	Digital Gold	Savings Account	Rental Yield	NPS Annuity	Bond	Bank FD	Corporate FD	Stock Dividend	DebtMF	Equity MF	IND Stocks	US Stocks	TOTAL CASHFLOW	FIXED CASHFLOW	ANNUAL EXPENSE	ONE-TIME EXPENSE	TOTAL INFLOW
30	2025	₹50,000,000	₹999,999	2.0%	₹10,000,000	20.0%	₹2,000,000	4.0%	₹2,000,000	₹3,000,000	₹2,000,000	₹4,000,000	₹3,000,000	₹2,500,000	33.0%	₹12,500,000	₹3,000,000	₹5,000,000	41.0%	₹500,000	₹200,000	₹140,000	₹125,000	₹22,700	₹0	₹0	₹168,000	₹196,000	₹168,000	₹50,000	₹112,000	₹1,575,000	₹324,000	₹480,000	₹4,060,700	₹987,700	₹1,500,000	₹0	₹2,560,700
31	2026	₹52,560,700	₹1,570,699	3.0%	₹10,500,000	20.0%	₹2,200,000	4.2%	₹2,290,000	₹3,000,000	₹2,000,000	₹5,000,000	₹3,000,000	₹2,500,000	33.8%	₹12,500,000	₹3,000,000	₹5,000,000	39.0%	₹525,000	₹220,000	₹160,300	₹125,000	₹35,700	₹0	₹0	₹168,000	₹245,000	₹168,000	₹50,000	₹112,000	₹1,575,000	₹324,000	₹480,000	₹4,188,000	₹1,066,000	₹1,500,000	₹0	₹2,688,000
32	2027	₹55,248,700	₹3,203,399	5.8%	₹11,025,000	20.0%	₹2,420,000	4.4%	₹2,600,300	₹3,000,000	₹2,000,000	₹5,000,000	₹3,000,000	₹2,500,000	32.8%	₹12,500,000	₹3,000,000	₹5,000,000	37.1%	₹551,300	₹242,000	₹182,000	₹125,000	₹72,900	₹0	₹0	₹168,000	₹245,000	₹168,000	₹50,000	₹112,000	₹1,575,000	₹324,000	₹480,000	₹4,295,200	₹1,173,200	₹1,500,000	₹2,000,000	₹795,200
33	2028	₹56,043,900	₹1,873,299	3.3%	₹11,576,300	20.7%	₹2,662,000	4.7%	₹2,932,300	₹3,000,000	₹2,000,000	₹6,000,000	₹3,000,000	₹2,500,000	34.7%	₹12,500,000	₹3,000,000	₹5,000,000	36.6%	₹578,800	₹266,200	₹205,300	₹125,000	₹42,600	₹0	₹0	₹168,000	₹294,000	₹168,000	₹50,000	₹112,000	₹1,575,000	₹324,000	₹480,000	₹4,388,900	₹1,217,900	₹1,700,000	₹0	₹2,688,900
34	2029	₹58,732,800	₹1,361,899	2.3%	₹12,155,100	20.7%	₹2,928,200	5.0%	₹3,287,600	₹4,000,000	₹2,000,000	₹6,000,000	₹4,000,000	₹2,500,000	37.1%	₹12,500,000	₹3,000,000	₹5,000,000	34.9%	₹607,800	₹292,800	₹230,100	₹125,000	₹31,000	₹0	₹0	₹224,000	₹294,000	₹224,000	₹50,000	₹112,000	₹1,575,000	₹324,000	₹480,000	₹4,569,700	₹1,286,700	₹1,700,000	₹0	₹2,869,700
35	2030	₹61,602,500	₹2,950,899	4.8%	₹12,762,900	20.7%	₹3,221,000	5.2%	₹3,667,700	₹4,000,000	₹2,000,000	₹7,000,000	₹4,000,000	₹2,500,000	37.6%	₹12,500,000	₹3,000,000	₹4,000,000	31.7%	₹638,100	₹322,100	₹256,700	₹125,000	₹67,100	₹0	₹0	₹224,000	₹343,000	₹224,000	₹50,000	₹112,000	₹1,575,000	₹324,000	₹384,000	₹4,645,000	₹1,409,000	₹2,000,000	₹2,500,000	₹145,000
36	2031	₹61,747,500	₹1,728,999	2.8%	₹13,401,000	21.7%	₹3,543,100	5.7%	₹4,074,400	₹4,000,000	₹2,000,000	₹7,000,000	₹4,000,000	₹2,500,000	38.2%	₹12,500,000	₹3,000,000	₹4,000,000	31.6%	₹670,100	₹354,300	₹285,200	₹125,000	₹39,300	₹0	₹0	₹224,000	₹343,000	₹224,000	₹50,000	₹112,000	₹1,575,000	₹324,000	₹384,000	₹4,709,900	₹1,473,900	₹2,000,000	₹0	₹2,709,900
37	2032	₹64,457,400
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100