2014

Bank balance prior sal credit

Gross pay
Income tax
Take Home
income source 2
income source 3
Total Cash Flow
House-hold Expenses
unanticipated expenses
Charity

Jan

Feb

Mar

Apr

May

Jun

Jul

Savings for recurring annual goals

Goal 1
Goal 2
Goal 3
Short-term and long-term (> 5Y) financial goals
EPF contribution
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Total investment
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Total investment
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Total investment

Aug
2000
104934
14314
80000
8145
14656
102801
30000
3000
1000

Sep

Oct

Nov

Dec

Cash Flow

ual goals

financial goals
8369
8369
6000
4000
2500
29238
3000
1000
2500
6000
41738
3000
1000
2500
6000
54238
3000
1000
2500
6000
66738
3000
1000
2500
6000
79238

Investments
for
Retirement

Target
46,279 You can change the targets
if you cannot invest as much
Investments
for
Goal 2
Target
29,762
Investments
for
Goal 3
Target
8,333
Investments
for
Goal 4
Target
417
Investments
for
Goal 5
Target
83,333

Goal no 1: Retirement
Date of birth
Date of retirement
Life expectancy
Inflation (throughout lifetime!)
Current monthly expenses (exlclude EMI)
Curent annual expenses (AMC, internet etc.)
Post-tax rate of return expected BEFORE retirement (Please be realistic.)
Post-tax rate of return expected AFTER retirement (Not more than 6-7%)
Annual increase in monthly investment

Current value of EPF or NPS corpus

Average rate of return for this amount

When you retire the corpus from other sources will grow to
Current date
Years to retirement
Age at the end of current year
Years in retirement
Total annual expenses
Annual expenses when you retire (retirement income in 1st year of retirement)
Corpus required
When your reitire the current mf corpus will grow to
If you were to retire today the current corpus will last for (years)
If you were to retire as intended you will be financially independent for (years)
Net corpus required
investment required each month
Provided this investment increases each year at the rate of

9/1/1974
8/30/2039
90
9%
40,000
40,000
10%
7%
10%

Name
When do you need the money? (year)
When will start investing? (year)
Years available for investment
Present cost (as on date)
inflation
Net rate of return (post-tax)
Amt invested so far (updated from mf holdings)
RoI of current invest.
Annual inc. in monthly invest. %
When investment are made **
Future Cost
Future value of current Investment
initial mon. invest. reqd. when investments start

140,000
8%
887765.30321
6/13/2015
24
41
25 Use the integrated financial plan creator
520000 for creating a more holistic financial plan
4,196,165 with more options
132,181,536
0.27
0.21
131,293,771
46,279
10.00%

Goal 2
1st Childs education
2028
2014
14.00
5,000,000
10.0%
10.00%

Goal 3
2nd Childs education
2034
2014
20.00
2,000,000
10.0%
10.00%

Goal 4
1st Childs marriage
2034
2014
20.00
100,000
10.0%
10.00%

0.00%
10.00%
1

10.00%
10.00%
1

0.00%
10.00%
1

18987492
0.00
Err:501

13455000
0.00
Err:501

672750
0.00
Err:501

** note 1: Choose '0' if SIP occurs at month beginning and '1' if SIP occurs at month end**

Goal 5
2nd Childs marriage
2034
2014
20.00
2,000,000
10.0%
10.00%
0.00%
10.00%
1

urs at month end**

13455000
0.00
Err:501

Annual increase in investment

10.00%
Investment
S.no Year
Target
Actual (average) Jan.
Feb.
1 2015
46,279
2 2016
50,907
3 2017
55,997
4 2018
61,597
5 2019
67,757
6 2020
74,532
7 2021
81,986
8 2022
90,184
9 2023
99,203
10 2024
109,123
11 2025
120,035
12 2026
132,039
13 2027
145,243
14 2028
159,767
15 2029
175,744
16 2030
193,318
17 2031
212,650
18 2032
233,915
19 2033
257,306
20 2034
283,037
21 2035
311,340
22 2036
342,474
23 2037
376,722
24 2038
414,394
25 2039
455,833

Enter the total invement made ea

Mar.

Apr.

otal invement made each for this goal in the green cells
May

June

July

Aug

Sep

Oct

Nov

Dec.

Annual increase in investment

10.00%
Investment
S.no Year
Target
Actual (average) Jan.
Feb.
1 2014
29,762
2 2015
32,738
3 2016
36,012
4 2017
39,613
5 2018
43,574
6 2019
47,932
7 2020
52,725
8 2021
57,998
9 2022
63,797
10 2023
70,177
11 2024
77,195
12 2025
84,914
13 2026
93,406
14 2027
102,746
15 2028
113,021
16 2029
124,323
17 2030
136,755
18 2031
150,431
19 2032
165,474
20 2033
182,021
21 2034
200,223
22 2035
220,246
23 2036
242,270
24 2037
266,497
25 2038
293,147
26 2039
322,462

Enter the total invement made ea

Mar.

Apr.

otal invement made each for this goal in the green cells
May

June

July

Aug

Sep

Oct

Nov

Dec.

Annual increase in investment

10.00%
Investment
S.no Year
Target
Actual (average) Jan.
Feb.
1 2014
8,333
2 2015
9,167
3 2016
10,083
4 2017
11,092
5 2018
12,201
6 2019
13,421
7 2020
14,763
8 2021
16,239
9 2022
17,863
10 2023
19,650
11 2024
21,615
12 2025
23,776
13 2026
26,154
14 2027
28,769
15 2028
31,646
16 2029
34,810
17 2030
38,291
18 2031
42,121
19 2032
46,333
20 2033
50,966
21 2034
56,063
22 2035
61,669
23 2036
67,836
24 2037
74,619
25 2038
82,081
26 2039
90,289

Enter the total invement made ea

Mar.

Apr.

otal invement made each for this goal in the green cells
May

June

July

Aug

Sep

Oct

Nov

Dec.

Annual increase in investment

10.00%
Investment
S.no Year
Target
Actual (average) Jan.
Feb.
1 2014
417
2 2015
458
3 2016
504
4 2017
555
5 2018
610
6 2019
671
7 2020
738
8 2021
812
9 2022
893
10 2023
982
11 2024
1,081
12 2025
1,189
13 2026
1,308
14 2027
1,438
15 2028
1,582
16 2029
1,741
17 2030
1,915
18 2031
2,106
19 2032
2,317
20 2033
2,548
21 2034
2,803
22 2035
3,083
23 2036
3,392
24 2037
3,731
25 2038
4,104
26 2039
4,514

Enter the total invement made ea

Mar.

Apr.

otal invement made each for this goal in the green cells
May

June

July

Aug

Sep

Oct

Nov

Dec.

Annual increase in investment

10.00%
Investment
S.no Year
Target
Actual (average) Jan.
Feb.
1 2014
83,333
2 2015
91,667
3 2016
100,833
4 2017
110,917
5 2018
122,008
6 2019
134,209
7 2020
147,630
8 2021
162,393
9 2022
178,633
10 2023
196,496
11 2024
216,145
12 2025
237,760
13 2026
261,536
14 2027
287,690
15 2028
316,458
16 2029
348,104
17 2030
382,915
18 2031
421,206
19 2032
463,327
20 2033
509,660
21 2034
560,625
22 2035
616,688
23 2036
678,357
24 2037
746,193
25 2038
820,812
26 2039
902,893

Enter the total invement made ea

Mar.

Apr.

otal invement made each for this goal in the green cells
May

June

July

Aug

Sep

Oct

Nov

Dec.