Hi! Welcome to the Ultimate Financial Planner.

Watch the Video Below if you

Current Age 26
Marriage Age 26
Expected Post Marriage Monthly Expense 105000

Retirement Age 60
Life Expectancy Age 80

Inflation 7%

How to Use this Calculator? Watch This

https://youtu.be/PBSjai3j3PQ
Watch the Video Below if you want to learn more

What is your current Age?

What is the age at which you plan to get married
Go to Sheet - Post Marriage Monthly Expenses

What Age you planning to retire? Assuming zero income after this age

Inflation assumed in India. Can be edited

 Amount in Today's Value Amount with Inflation at Age 26

Rent 20,000 20,000

Vehicle 20,000 20,000
Wants + Insurance + Emergency Fund 30,000 30,000
Enter all
Values as
Kids 10,000 10,000
required
Parents 15,000 15,000
Tax 10,000 10,000

Post Marriage Monthly Expenses in Today's Value 1,05,000

 Retirement Corpus Calculator

Marriage/Current Age (if married) 26

Current Annual Expenses 12,60,000
Retirement age 60
Life Expectancy (Age) 80

1) Projected Expenses at your Retirement Age

Annual Expenses when you retire 1,25,72,423
What percentage of your expected
expenses can be your retirement expenses? 75%

Projected Expenses when you retire 94,29,317

(if spending pattern changes after retirement)

2) Projected Retirement Corpus

Required Retirement Fund 18,85,86,346

3) Required Yearly / Montly Savings amount to achieve the Required Retirement Corpus

Required Investments per year 9,57,377

Required Investments per month 70,419

Required Investments per year 4,90,445

Required Investments per month 33,109

Required Investments per year 2,46,400

Required Investments per month 14,928

Future Value of Current Investments (Optional)

Existing Investment (Rs)
Expected Return frominvestments
these investments 12%
Future value of these at
Retirement Age 0
 Go to the Page - Input Data

Go to the Page - Input Data

Your expense after retirement will go down, right? If

expense will be the same after retirement, give 100%

This will be your expense after retirement [auto-filled]

This will be the corpus to build from Age 26

nt to achieve the Required Retirement Corpus

Expected Rate of Return Investments Portfolio
during Accumulation Stage If Investments are invested in Fixed income
9% securities like Fixed Deposits, Provident
Fund etc.,
If Investments are invested in different asset
12% categories like Mutual Funds, Fixed
Deposits, Provident Fund, Gold etc.,
If Investments are invested in different asset
15% categories like Shares, Mutual Funds, Fixed
Deposits, Provident Fund etc.,

Taken from Pre Marriage Contribution to Retirement

What returns are
Your Existing you expecting
Investment from
will grow tothis
thisinvestment?
amount by
your Goal Age of 60
 Assumptions
Inflation 8%
Expected Returns during retirement 8%
Expected Real Rate of Return during Retirement years 0%
 Example Goal Planning Calculator

Your Age 26 Current Age of Starting to Plan for Goal

Goal Amount in Current Value 10,00,000 Current Goal Amount
Goal age 51 What Age is the Goal for?

Required Goal Amount

Goal Amount 54,27,433 Goal Amount after Inflation of 25 Years

Required Yearly / Monthly Savings amount to achieve the Required Goal

Expected Rate of Return
during Accumulation Stage
Required Investments per year 64,078 9%
Required Investments per month 4,841

Required Investments per year 40,706 12%

Required Investments per month 2,889

Required Investments per year 25,506 15%

Required Investments per month 1,673

Future Value of Current Investments (Optional)

Existing Investment (Rs) 0 Do you have any amount already invested for this goal?
Expected Return frominvestments
these investments 12% What returns are you expecting
Future value of these at Your Existing Investment will growfrom thisamount
to this investment?
by your
Retirement Age INR 0 Goal Age of 51
If InvestmentsInvestments Portfolio
are invested in Fixed income
securities like Fixed Deposits, Provident
Fund etc.,
If Investments are invested in different asset
categories like Mutual Funds, Fixed
Deposits, Provident Fund, Gold etc.,
If Investments are invested in different asset
categories like Shares, Mutual Funds, Fixed
Deposits, Provident Fund, Property etc.,
 Example Goal Planning Calculator

Your Age 26 Current Age of Starting to Plan for Goal

Goal Amount in Current Value 5,00,000 Current Goal Amount
Goal age 30 What Age is the Goal for?

Required Goal Amount

Goal Amount 6,55,398 Goal Amount after Inflation of 4 Years

Required Yearly / Monthly Savings amount to achieve the Required Goal

Expected Rate of Return
during Accumulation Stage
Required Investments per year 1,43,315 9%
Required Investments per month 11,394

Required Investments per year 1,41,219 10%

Required Investments per month 11,161

Required Investments per year 1,37,132 12%

Required Investments per month 10,705

Future Value of current Investments (Optional)

Existing Investment (Rs) 0 Do you have any existing investments for this goal?
Expected Return frominvestments
these investments 12% What returns are you expecting
Future value of these at Your Existing Investment will growfrom thisamount
to this investment?
by your
Retirement Age INR 0 Goal Age of 30
If InvestmentsInvestments Portfolio
are invested in Fixed income
securities like Fixed Deposits, Provident
Fund etc.,
If Investments are invested in different asset
categories like Mutual Funds, Fixed
Deposits, Provident Fund, Gold etc.,
If Investments are invested in different asset
categories like Shares, Mutual Funds, Fixed
Deposits, Provident Fund, Property etc.,
 House Plan Calculator

Current Age 26
Age of Building House 50
House Inflation 4%

Let's Talk About Your Dream House

Your Dream House Current Cost 1,00,00,000
House Cost with Inflation at Age 45 2,56,33,042

How Much Downpayment Are You Wililng to Give?

Downpayment % 30
Downpayment 76,89,912

Now let us talk about the House Loan

Loan Amount 1,79,43,129
Loan Interest % 7%
Loan Tenure(Years) 10

Your Loan EMI Would Be

Loan EMI Amount 2,07,127

Wait! We Also Need an SIP for the Downpayment Amount at Age 45

Expected Returns 12%
SIP for Down Payment 4,597
 What's your current age?
When are you planning to build your house?

Current Cost of Your Dream House

This accounts for the next 24 Years of Inflation

What is the Downpayment % you are planning to give for the Goal
This is the downpayment amount - 30%

You will need to take this loan for the rest 70%
What Interest are you getting the Loan For?
How many years will the Loan be for?

This will be the EMI you need to pay for the Loan

What Returns are you Expecting on your SIP?

Put an SIP for this amount for 24 Years for Downpayment