ABCDEFGHIJKLMNOPQRSTUVWXYZ
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Fill cells in green
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AgeMonthly ExpensesYearly ExpensesCorpus in B1 at start of yearCorpus in B2 at start of yearCorpus in B3 at start of yearCorpus in B4 at start of yearTotal Corpus at start of yearCorpus in B1 at end of yearCorpus in B2 at end of yearCorpus in B3 at end of yearCorpus in B4 at end of yearTotal Corpus at end of yearEquity AllocationDebt Allocation
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Corpus₹43,800,00046₹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₹45,678,90053.25%46.75%
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Age when you retire4547₹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₹47,615,47553.22%46.78%
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Age when you die9048₹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₹49,609,13953.20%46.80%
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Monthly expenses when you are 45₹100,00049₹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₹51,658,97353.17%46.83%
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Annual Inflation on expenses6%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₹53,763,68353.14%46.86%
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Post Tax FD returns3%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₹55,921,55753.11%46.89%
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Post Tax debt fund returns5%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₹58,130,40853.08%46.92%
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Post Tax equity fund returns9%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₹60,387,52753.04%46.96%
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Emergency Corpus as a multiple of annual expense (B1)
154₹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₹62,689,61653.01%46.99%
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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₹65,032,72552.97%47.03%
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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₹67,412,17852.93%47.07%
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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₹69,822,49452.89%47.11%
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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₹72,257,29952.84%47.16%
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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₹74,709,23452.80%47.20%
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Rest of the corpus will be in bucket B434%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₹77,169,84752.75%47.25%
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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₹79,629,48452.69%47.31%
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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₹82,077,16452.63%47.37%
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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₹84,500,44352.57%47.43%
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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₹86,885,26952.51%47.49%
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Initial Corpus / Initial annual expenses36.5065₹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₹89,215,82352.43%47.57%
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Initial withdrawal rate2.74%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₹91,474,34152.36%47.64%
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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₹93,640,93052.27%47.73%
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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₹95,693,35752.18%47.82%
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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₹97,606,82652.08%47.92%
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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₹99,353,73651.97%48.03%
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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₹100,903,41251.85%48.15%
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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₹102,221,82051.72%48.28%
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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₹103,271,25151.57%48.43%
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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₹104,009,98351.40%48.60%
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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₹104,391,91051.22%48.78%
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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₹104,366,14051.00%49.00%
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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₹103,876,56150.76%49.24%
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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₹102,861,36950.48%49.52%
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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₹101,252,55350.16%49.84%
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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₹98,975,34149.77%50.23%
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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₹95,947,59849.31%50.69%
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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₹92,079,17048.74%51.26%
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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₹87,271,17848.03%51.97%
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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₹81,415,24947.12%52.88%
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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₹74,392,68945.90%54.10%
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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₹66,073,57544.20%55.80%
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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₹56,315,78841.63%58.37%
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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₹44,963,95237.34%62.66%
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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₹31,848,29328.71%71.29%
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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₹16,783,4022.39%97.61%
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