A | 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 | |
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1 | Fill cells in green | |||||||||||||||||||||||||
2 | Age | Monthly Expenses | Yearly Expenses | Corpus in B1 at start of year | Corpus in B2 at start of year | Corpus in B3 at start of year | Corpus in B4 at start of year | Total Corpus at start of year | Corpus in B1 at end of year | Corpus in B2 at end of year | Corpus in B3 at end of year | Corpus in B4 at end of year | Total Corpus at end of year | Equity Allocation | Debt Allocation | |||||||||||
3 | Corpus | ₹43,800,000 | 46 | ₹100,000 | ₹1,200,000 | ₹1,200,000 | ₹13,662,000 | ₹13,662,000 | ₹14,076,000 | ₹42,600,000 | ₹1,236,000 | ₹14,481,720 | ₹14,618,340 | ₹15,342,840 | ₹45,678,900 | 53.25% | 46.75% | |||||||||
4 | Age when you retire | 45 | 47 | ₹106,000 | ₹1,272,000 | ₹1,272,000 | ₹14,234,517 | ₹14,234,517 | ₹14,665,866 | ₹44,406,900 | ₹1,310,160 | ₹15,088,588 | ₹15,230,933 | ₹15,985,794 | ₹47,615,475 | 53.22% | 46.78% | |||||||||
5 | Age when you die | 90 | 48 | ₹112,360 | ₹1,348,320 | ₹1,348,320 | ₹14,823,216 | ₹14,823,216 | ₹15,272,404 | ₹46,267,155 | ₹1,388,770 | ₹15,712,609 | ₹15,860,841 | ₹16,646,920 | ₹49,609,139 | 53.20% | 46.80% | |||||||||
6 | Monthly expenses when you are 45 | ₹100,000 | 49 | ₹119,102 | ₹1,429,219 | ₹1,429,219 | ₹15,427,731 | ₹15,427,731 | ₹15,895,238 | ₹48,179,920 | ₹1,472,096 | ₹16,353,395 | ₹16,507,672 | ₹17,325,810 | ₹51,658,973 | 53.17% | 46.83% | |||||||||
7 | Annual Inflation on expenses | 6% | 50 | ₹126,248 | ₹1,514,972 | ₹1,514,972 | ₹16,047,579 | ₹16,047,579 | ₹16,533,870 | ₹50,144,001 | ₹1,560,422 | ₹17,010,434 | ₹17,170,910 | ₹18,021,918 | ₹53,763,683 | 53.14% | 46.86% | |||||||||
8 | Post Tax FD returns | 3% | 51 | ₹133,823 | ₹1,605,871 | ₹1,605,871 | ₹16,682,141 | ₹16,682,141 | ₹17,187,660 | ₹52,157,813 | ₹1,654,047 | ₹17,683,069 | ₹17,849,891 | ₹18,734,550 | ₹55,921,557 | 53.11% | 46.89% | |||||||||
9 | Post Tax debt fund returns | 5% | 52 | ₹141,852 | ₹1,702,223 | ₹1,702,223 | ₹17,330,647 | ₹17,330,647 | ₹17,855,818 | ₹54,219,334 | ₹1,753,290 | ₹18,370,485 | ₹18,543,792 | ₹19,462,841 | ₹58,130,408 | 53.08% | 46.92% | |||||||||
10 | Post Tax equity fund returns | 9% | 53 | ₹150,363 | ₹1,804,356 | ₹1,804,356 | ₹17,992,159 | ₹17,992,159 | ₹18,537,376 | ₹56,326,052 | ₹1,858,487 | ₹19,071,689 | ₹19,251,611 | ₹20,205,740 | ₹60,387,527 | 53.04% | 46.96% | |||||||||
11 | Emergency Corpus as a multiple of annual expense (B1) | 1 | 54 | ₹159,385 | ₹1,912,618 | ₹1,912,618 | ₹18,665,556 | ₹18,665,556 | ₹19,231,179 | ₹58,474,909 | ₹1,969,996 | ₹19,785,490 | ₹19,972,145 | ₹20,961,985 | ₹62,689,616 | 53.01% | 46.99% | |||||||||
12 | Equity allocation in low risk bucket (B2) | 25% | 55 | ₹168,948 | ₹2,027,375 | ₹2,027,375 | ₹19,349,506 | ₹19,349,506 | ₹19,935,855 | ₹60,662,241 | ₹2,088,196 | ₹20,510,476 | ₹20,703,971 | ₹21,730,082 | ₹65,032,725 | 52.97% | 47.03% | |||||||||
13 | Equity allocation in medium risk bucket (B3) | 50% | 56 | ₹179,085 | ₹2,149,017 | ₹2,149,017 | ₹20,042,448 | ₹20,042,448 | ₹20,649,795 | ₹62,883,708 | ₹2,213,488 | ₹21,244,995 | ₹21,445,419 | ₹22,508,276 | ₹67,412,178 | 52.93% | 47.07% | |||||||||
14 | Equity allocation in high risk bucket (B4) | 100% | 57 | ₹189,830 | ₹2,277,958 | ₹2,277,958 | ₹20,742,566 | ₹20,742,566 | ₹21,371,129 | ₹65,134,220 | ₹2,346,297 | ₹21,987,120 | ₹22,194,546 | ₹23,294,531 | ₹69,822,494 | 52.89% | 47.11% | |||||||||
15 | What % of corpus do you want to put in bucket B2? | 33% | 58 | ₹201,220 | ₹2,414,636 | ₹2,414,636 | ₹21,447,763 | ₹21,447,763 | ₹22,097,696 | ₹67,407,858 | ₹2,487,075 | ₹22,734,629 | ₹22,949,107 | ₹24,086,488 | ₹72,257,299 | 52.84% | 47.16% | |||||||||
16 | What % of corpus do you want to put in bucket B3? | 33% | 59 | ₹213,293 | ₹2,559,514 | ₹2,559,514 | ₹22,155,630 | ₹22,155,630 | ₹22,827,012 | ₹69,697,785 | ₹2,636,299 | ₹23,484,967 | ₹23,706,524 | ₹24,881,443 | ₹74,709,234 | 52.80% | 47.20% | |||||||||
17 | Rest of the corpus will be in bucket B4 | 34% | 60 | ₹226,090 | ₹2,713,085 | ₹2,713,085 | ₹22,863,411 | ₹22,863,411 | ₹23,556,242 | ₹71,996,149 | ₹2,794,477 | ₹24,235,216 | ₹24,463,850 | ₹25,676,304 | ₹77,169,847 | 52.75% | 47.25% | |||||||||
18 | Blended return from bucket B1 (emergency) | 3.00% | 61 | ₹239,656 | ₹2,875,870 | ₹2,875,870 | ₹23,567,975 | ₹23,567,975 | ₹24,282,156 | ₹74,293,977 | ₹2,962,146 | ₹24,982,054 | ₹25,217,734 | ₹26,467,551 | ₹79,629,484 | 52.69% | 47.31% | |||||||||
19 | Blended return from bucket B2 (low risk) | 6.00% | 62 | ₹254,035 | ₹3,048,422 | ₹3,048,422 | ₹24,265,771 | ₹24,265,771 | ₹25,001,098 | ₹76,581,062 | ₹3,139,875 | ₹25,721,717 | ₹25,964,375 | ₹27,251,196 | ₹82,077,164 | 52.63% | 47.37% | |||||||||
20 | Blended return from bucket B3 (medium risk) | 7.00% | 63 | ₹269,277 | ₹3,231,327 | ₹3,231,327 | ₹24,952,788 | ₹24,952,788 | ₹25,708,933 | ₹78,845,836 | ₹3,328,267 | ₹26,449,955 | ₹26,699,483 | ₹28,022,737 | ₹84,500,443 | 52.57% | 47.43% | |||||||||
21 | Blended return from bucket B4 (high risk) | 9.00% | 64 | ₹285,434 | ₹3,425,207 | ₹3,425,207 | ₹25,624,509 | ₹25,624,509 | ₹26,401,010 | ₹81,075,236 | ₹3,527,963 | ₹27,161,980 | ₹27,418,225 | ₹28,777,101 | ₹86,885,269 | 52.51% | 47.49% | |||||||||
22 | Initial Corpus / Initial annual expenses | 36.50 | 65 | ₹302,560 | ₹3,630,719 | ₹3,630,719 | ₹26,275,864 | ₹26,275,864 | ₹27,072,102 | ₹83,254,550 | ₹3,739,641 | ₹27,852,416 | ₹28,115,174 | ₹29,508,591 | ₹89,215,823 | 52.43% | 47.57% | |||||||||
23 | Initial withdrawal rate | 2.74% | 66 | ₹320,714 | ₹3,848,563 | ₹3,848,563 | ₹26,901,170 | ₹26,901,170 | ₹27,716,357 | ₹85,367,260 | ₹3,964,019 | ₹28,515,240 | ₹28,784,252 | ₹30,210,829 | ₹91,474,341 | 52.36% | 47.64% | |||||||||
24 | 67 | ₹339,956 | ₹4,079,476 | ₹4,079,476 | ₹27,494,078 | ₹27,494,078 | ₹28,327,232 | ₹87,394,865 | ₹4,201,861 | ₹29,143,723 | ₹29,418,664 | ₹30,876,683 | ₹93,640,930 | 52.27% | 47.73% | |||||||||||
25 | 68 | ₹360,354 | ₹4,324,245 | ₹4,324,245 | ₹28,047,505 | ₹28,047,505 | ₹28,897,430 | ₹89,316,685 | ₹4,453,972 | ₹29,730,356 | ₹30,010,831 | ₹31,498,198 | ₹95,693,357 | 52.18% | 47.82% | |||||||||||
26 | 69 | ₹381,975 | ₹4,583,700 | ₹4,583,700 | ₹28,553,566 | ₹28,553,566 | ₹29,418,826 | ₹91,109,657 | ₹4,721,211 | ₹30,266,780 | ₹30,552,316 | ₹32,066,520 | ₹97,606,826 | 52.08% | 47.92% | |||||||||||
27 | 70 | ₹404,893 | ₹4,858,722 | ₹4,858,722 | ₹29,003,496 | ₹29,003,496 | ₹29,882,390 | ₹92,748,105 | ₹5,004,483 | ₹30,743,706 | ₹31,033,741 | ₹32,571,805 | ₹99,353,736 | 51.97% | 48.03% | |||||||||||
28 | 71 | ₹429,187 | ₹5,150,245 | ₹5,150,245 | ₹29,387,571 | ₹29,387,571 | ₹30,278,104 | ₹94,203,491 | ₹5,304,752 | ₹31,150,826 | ₹31,444,701 | ₹33,003,133 | ₹100,903,412 | 51.85% | 48.15% | |||||||||||
29 | 72 | ₹454,938 | ₹5,459,260 | ₹5,459,260 | ₹29,695,015 | ₹29,695,015 | ₹30,594,864 | ₹95,444,153 | ₹5,623,037 | ₹31,476,716 | ₹31,773,666 | ₹33,348,401 | ₹102,221,820 | 51.72% | 48.28% | |||||||||||
30 | 73 | ₹482,235 | ₹5,786,815 | ₹5,786,815 | ₹29,913,903 | ₹29,913,903 | ₹30,820,385 | ₹96,435,005 | ₹5,960,420 | ₹31,708,737 | ₹32,007,876 | ₹33,594,219 | ₹103,271,251 | 51.57% | 48.43% | |||||||||||
31 | 74 | ₹511,169 | ₹6,134,024 | ₹6,134,024 | ₹30,031,057 | ₹30,031,057 | ₹30,941,089 | ₹97,137,227 | ₹6,318,045 | ₹31,832,920 | ₹32,133,231 | ₹33,725,787 | ₹104,009,983 | 51.40% | 48.60% | |||||||||||
32 | 75 | ₹541,839 | ₹6,502,065 | ₹6,502,065 | ₹30,031,931 | ₹30,031,931 | ₹30,941,990 | ₹97,507,918 | ₹6,697,127 | ₹31,833,847 | ₹32,134,167 | ₹33,726,769 | ₹104,391,910 | 51.22% | 48.78% | |||||||||||
33 | 76 | ₹574,349 | ₹6,892,189 | ₹6,892,189 | ₹29,900,485 | ₹29,900,485 | ₹30,806,561 | ₹97,499,721 | ₹7,098,955 | ₹31,694,514 | ₹31,993,519 | ₹33,579,151 | ₹104,366,140 | 51.00% | 49.00% | |||||||||||
34 | 77 | ₹608,810 | ₹7,305,721 | ₹7,305,721 | ₹29,619,050 | ₹29,619,050 | ₹30,516,597 | ₹97,060,419 | ₹7,524,892 | ₹31,396,193 | ₹31,692,384 | ₹33,263,091 | ₹103,876,561 | 50.76% | 49.24% | |||||||||||
35 | 78 | ₹645,339 | ₹7,744,064 | ₹7,744,064 | ₹29,168,183 | ₹29,168,183 | ₹30,052,067 | ₹96,132,497 | ₹7,976,386 | ₹30,918,274 | ₹31,209,956 | ₹32,756,753 | ₹102,861,369 | 50.48% | 49.52% | |||||||||||
36 | 79 | ₹684,059 | ₹8,208,708 | ₹8,208,708 | ₹28,526,505 | ₹28,526,505 | ₹29,390,944 | ₹94,652,661 | ₹8,454,969 | ₹30,238,095 | ₹30,523,360 | ₹32,036,129 | ₹101,252,553 | 50.16% | 49.84% | |||||||||||
37 | 80 | ₹725,103 | ₹8,701,230 | ₹8,701,230 | ₹27,670,530 | ₹27,670,530 | ₹28,509,031 | ₹92,551,322 | ₹8,962,267 | ₹29,330,762 | ₹29,607,468 | ₹31,074,844 | ₹98,975,341 | 49.77% | 50.23% | |||||||||||
38 | 81 | ₹768,609 | ₹9,223,304 | ₹9,223,304 | ₹26,574,482 | ₹26,574,482 | ₹27,379,769 | ₹89,752,037 | ₹9,500,003 | ₹28,168,951 | ₹28,434,696 | ₹29,843,948 | ₹95,947,598 | 49.31% | 50.69% | |||||||||||
39 | 82 | ₹814,725 | ₹9,776,702 | ₹9,776,702 | ₹25,210,084 | ₹25,210,084 | ₹25,974,026 | ₹86,170,896 | ₹10,070,003 | ₹26,722,689 | ₹26,974,790 | ₹28,311,688 | ₹92,079,170 | 48.74% | 51.26% | |||||||||||
40 | 83 | ₹863,609 | ₹10,363,305 | ₹10,363,305 | ₹23,546,345 | ₹23,546,345 | ₹24,259,871 | ₹81,715,865 | ₹10,674,204 | ₹24,959,126 | ₹25,194,589 | ₹26,443,259 | ₹87,271,178 | 48.03% | 51.97% | |||||||||||
41 | 84 | ₹915,425 | ₹10,985,103 | ₹10,985,103 | ₹21,549,321 | ₹21,549,321 | ₹22,202,330 | ₹76,286,075 | ₹11,314,656 | ₹22,842,280 | ₹23,057,773 | ₹24,200,540 | ₹81,415,249 | 47.12% | 52.88% | |||||||||||
42 | 85 | ₹970,351 | ₹11,644,209 | ₹11,644,209 | ₹19,181,854 | ₹19,181,854 | ₹19,763,123 | ₹69,771,040 | ₹11,993,535 | ₹20,332,766 | ₹20,524,584 | ₹21,541,804 | ₹74,392,689 | 45.90% | 54.10% | |||||||||||
43 | 86 | ₹1,028,572 | ₹12,342,862 | ₹12,342,862 | ₹16,403,299 | ₹16,403,299 | ₹16,900,368 | ₹62,049,827 | ₹12,713,147 | ₹17,387,497 | ₹17,551,530 | ₹18,421,401 | ₹66,073,575 | 44.20% | 55.80% | |||||||||||
44 | 87 | ₹1,090,286 | ₹13,083,433 | ₹13,083,433 | ₹13,169,214 | ₹13,169,214 | ₹13,568,281 | ₹52,990,142 | ₹13,475,936 | ₹13,959,367 | ₹14,091,059 | ₹14,789,426 | ₹56,315,788 | 41.63% | 58.37% | |||||||||||
45 | 88 | ₹1,155,703 | ₹13,868,439 | ₹13,868,439 | ₹9,431,040 | ₹9,431,040 | ₹9,716,829 | ₹42,447,349 | ₹14,284,492 | ₹9,996,903 | ₹10,091,213 | ₹10,591,344 | ₹44,963,952 | 37.34% | 62.66% | |||||||||||
46 | 89 | ₹1,225,045 | ₹14,700,546 | ₹14,700,546 | ₹5,135,744 | ₹5,135,744 | ₹5,291,373 | ₹30,263,406 | ₹15,141,562 | ₹5,443,889 | ₹5,495,246 | ₹5,767,596 | ₹31,848,293 | 28.71% | 71.29% | |||||||||||
47 | 90 | ₹1,298,548 | ₹15,582,578 | ₹15,582,578 | ₹225,435 | ₹225,435 | ₹232,266 | ₹16,265,714 | ₹16,050,056 | ₹238,961 | ₹241,215 | ₹253,170 | ₹16,783,402 | 2.39% | 97.61% | |||||||||||
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