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Savings Simulation Template

The document outlines the finances of a family from 2023-2050 including salary, expenses, loans, and projected balances. It shows the family has several loans for homes and vehicles. While the salaries are projected to increase annually, expenses also rise resulting in a cumulative deficit each year that grows larger.

Uploaded by

Subramanian Gnanaguru
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© © All Rights Reserved
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52 views9 pages

Savings Simulation Template

The document outlines the finances of a family from 2023-2050 including salary, expenses, loans, and projected balances. It shows the family has several loans for homes and vehicles. While the salaries are projected to increase annually, expenses also rise resulting in a cumulative deficit each year that grows larger.

Uploaded by

Subramanian Gnanaguru
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as XLSX, PDF, TXT or read online on Scribd
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Category Member 2023 2024 2025 2026

Gnanaguru 51 52 53 54
Age Rajeswari 44 45 46 47
Shree Harini 13 14 15 16

Inflation 6% 6% 6% 6%
Medical 10% 10% 10% 10%
Variations
Increment - XXX 8% 8% 8% 8%
Increment - YYY 0%

Category Expense 2023 2024 2025 2026


Home Loan 1 216,000 - -
Home loan top up 96,000
Home Loan 2 288,000 288,000 288,000 288,000
Fixed Personal Loan 118,272 118,272 118,272 118,272
Insurance 32,600 32,600 32,600 32,600

Family expenses 180,000 190,800 202,248 214,383


School expenses 80,000 84,800 89,888 95,281
Medical 40,000 42,400 44,944 47,641
Variable
Entertainment 50,000 53,000 56,180 59,551
- - -
- - -
Total - Expense 1,100,872 809,872 832,132 855,728

Gnanaguru 1,020,000 1,101,600 1,189,728 1,284,906


Salary
Others 96,000 96,000 96,000 96,000
Total - Salary 1,116,000 1,197,600 1,285,728 1,380,906

Yearly 15,128 387,728 453,596 525,178


Balance
Cum. Yearly 15,128 402,856 856,452 1,381,630

* Tax , One time investement not fa 1,261 32,311


93,000 99,800
92.7916666667

276
1
277
39.5714285714
2027 2028 2029 2030 2031 2032
55 56 57
48 49 50
17 18 19

6% 6% 6% 6% 6% 6%
10% 10% 10% 10% 10% 10%
8% 8% 8%

2027 2028 2029 2030 2031 2032

288,000 288,000 288,000 288,000 288,000 288,000


118,272
32,600 32,600 32,600 32,600 32,600 32,600

227,246 240,881 255,334 270,654 286,893 304,107


100,998 107,058 150,000 159,000 168,540 178,652
50,499 53,529 56,741 60,145 63,754 67,579
63,124 66,911 70,926 75,182 79,693 84,475
- - - - - -
- - - - - -
880,739 788,979 853,601 885,581 919,480 955,413

1,387,699 1,498,715 1,618,612


96,000 96,000 96,000 96,000
1,483,699 1,594,715 1,714,612 96,000 - -

602,960 805,736 861,011 (789,581) (919,480) (955,413)


1,984,590 2,790,325 3,651,336 2,861,755 1,942,275 986,862
53205 53205
1773.5 147.791666667
10 441
1 442
11 63.1428571429
1.57142857143
2033 2034 2035 2036 2037 2038

6% 6% 6% 6% 6% 6%
10% 10% 10% 10% 10% 10%

2033 2034 2035 2036 2037 2038

288,000 288,000 288,000

32,600 32,600 32,600 32,600 32,600 32,600

322,353 341,694 362,196 383,928 406,964 431,382


189,372 200,734 - - -
71,634 75,932 80,488 85,317 90,436 95,862
89,544 94,917 100,612 106,649 113,048 119,831
- - - - - -
- - - - - -
993,503 1,033,877 863,896 608,494 643,048 679,675

- - - - - -

(993,503) (1,033,877) (863,896) (608,494) (643,048) (679,675)


(6,641) (1,040,518) (1,904,414) (2,512,908) (3,155,956) (3,835,631)
2039 2040 2041 2042 2043 2044

6% 6% 6% 6% 6% 6%
10% 10% 10% 10% 10% 10%

2039 2040 2041 2042 2043 2044

457,265 484,701 513,783 544,610 577,287 611,924


- - - - - -
101,614 107,711 114,174 121,024 128,285 135,982
127,021 134,642 142,721 151,284 160,361 169,983
- - - -
- - - - - -
685,900 727,054 770,678 816,918 865,933 917,889

- - - - - -

(685,900) (727,054) (770,678) (816,918) (865,933) (917,889)


(4,521,531) (5,248,585) (6,019,263) (6,836,181) (7,702,114) (8,620,003)
2045 2046 2047 2048 2049 2050

6% 6% 6% 6% 6% 6%
10% 10% 10% 10% 10% 10%

2045 2046 2047 2048 2049 2050

648,639 687,557 728,810 772,539 818,891 868,024


- - - - - -
144,141 152,789 161,956 171,673 181,973 192,891
180,182 190,993 202,453 214,600 227,476 241,125

- - - - - -
972,962 1,031,339 1,093,219 1,158,812 1,228,340 1,302,040

- - - - - -

(972,962) (1,031,339) (1,093,219) (1,158,812) (1,228,340) (1,302,040)


(9,592,965) (10,624,304) (11,717,523) (12,876,335) (14,104,675) (15,406,715)
216000 96000 288000

9856
180000
32600
118272

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