0.

Years

Age

Salary

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040

35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62

2041
2042
2043
2044
2045
2046

63
64
65
66
67
68

1190640
1300344
1421018.4
1553760.24
1699776.264
1860393.89
2037073.279
2231420.607
2445202.668
2680362.935
2939039.228
3223583.151
3536581.466
3880879.613
4259607.574
4676208.332
5134469.165
5638556.081
6193051.69
6802996.859
7473936.544
8211970.199
9023807.219
9916827.941
10899150.73
11979705.81

0.15

Household Expenses

Standard of living

HHE after increasing

Standard of Living

552000
596160
643852.8
695361.024
750989.9059
811069.0984
875954.6263
946030.9964
1021713.476
1103450.554
1191726.598
1287064.726
1390029.904
1501232.297
1621330.881
1751037.351
1891120.339
2042409.966
2205802.764
2382266.985
2572848.343
2778676.211
3000970.308
3241047.932
3500331.767
3780358.308
4082786.973
4409409.931

60000
65000
70000
75000
80000
85000
90000
95000
100000
105000
110000
115000
120000
125000
130000
135000
140000
145000
150000
155000
160000
165000
170000
175000
180000
185000
190000
195000

612000
661160
713852.8
770361.024
830989.9059
896069.0984
965954.6263
1041030.996
1121713.476
1208450.554
1301726.598
1402064.726
1510029.904
1626232.297
1751330.881
1886037.351
2031120.339
2187409.966
2355802.764
2537266.985
2732848.343
2943676.211
3170970.308
3416047.932
3680331.767
3965358.308
4272786.973
4604409.931

4762162.725
5143135.743
5554586.603
5998953.531
6478869.813
6997179.399

200000
205000
210000
215000
220000
225000

4962162.725
5348135.743
5764586.603
6213953.531
6698869.813
7222179.399

2047
2048
2049
2050
2051
2052
2053
2054
2055
2056
2057
2058
2059
2060
2061
2062
2063
2064
2065
2066

69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88

7556953.75
8161510.05
8814430.855
9519585.323
10281152.15
11103644.32
11991935.87
12951290.74
13987393.99
15106385.51
16314896.36
17620088.06
19029695.11
20552070.72
22196236.37
23971935.28
25889690.11
27960865.32
30197734.54

230000
235000
240000
245000
250000
255000
260000
265000
270000
275000
280000
285000
290000
295000
300000
305000
310000
315000
320000

7786953.75
8396510.05
9054430.855
9764585.323
10531152.15
11358644.32
12251935.87
13216290.74
14257393.99
15381385.51
16594896.36
17905088.06
19319695.11
20847070.72
22496236.37
24276935.28
26199690.11
28275865.32
30517734.54

Sakshi
0.1
Savings
578640
639184
707165.6
783399.216
868786.3581
964324.792
1071118.653
1190389.611
1323489.192
1471912.381
1637312.63
1821518.425
2026551.562
2254647.316
2508276.694
2790170.981
3103348.826
3451146.115
3837248.926
4265729.874
4741088.201
5268293.988
5852836.911
6500780.008
7218818.968
8014347.5

Age

Education Amt.

12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39

150000
165000
181500
199650
219615
241576.5
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

40
41
42
43
44
45

0
0

Car Loan
EMI
151020
151020
151020
151020
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Balance 1
277620
323164
374645.6
432729.216
649171.358
722748.292
1071118.65
1190389.61
1323489.19
1471912.38
1637312.63
1821518.42
2026551.56
2254647.32
2508276.69
2790170.98
3103348.83
3451146.12
3837248.93
4265729.87
4741088.2
5268293.99
5852836.91
6500780.01
7218818.97
8014347.5

ICICI Pru
i care
14600
14600
14600
14600
14600
14600
14600
14600
14600
14600
14600
14600
14600
14600
14600
14600

United india
insurence
company
ltd(72 L)
7206
7206
7206
7206
7206
7206
7206
7206
7206
7206
7206
7206
7206
7206
7206
7206

46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65

9.93
SBI Bank FD 9%
ICICI
Emergency
Moter
Fund
Insurence
10319
10319
10319
10319
10319
10319
10319
10319
10319
10319
10319
10319
10319
10319
10319
10319

246255
268417.95
292575.5655
318907.3664
347609.0294
378893.842
412994.2878
450163.7737
490678.5133
534839.5795
582975.1417
635442.9044
692632.7658
754969.7148
822916.9891
896979.5181
977707.6747
1065701.365
1161614.488
1266159.792
1380114.174
1504324.449
1639713.65
1787287.878
1948143.787
2123476.728

Equity Mutual Fund

Portfolio*Religare Invesco Balanced MF
Overnight Direct-Debt
Scheme
Liquid
Investment
598745
658200.3785
723559.6761
795409.1519
874393.2807
961220.5335
1056669.732
1161597.037
1276943.623
1403744.124
1543135.916
1696369.312
1864818.785
2049995.29
2253559.823
2477338.313
2723338.008
2993765.472
3291046.383
3617847.289
3977099.525
4372025.508
4806167.641
5283420.087
5808063.702
6384804.428

279000
304110
331479.9
361313.091
393831.2692
429276.0834
467910.9309
510022.9147
555924.977
605958.225
660494.4652
719938.9671
784733.4741
855359.4868
932341.8406
1016252.606
1107715.341
1207409.721
1316076.596
1434523.49
1563630.604
1704357.359
1857749.521
2024946.978
2207192.206
2405839.504

0.0875
Debt MF
398000
431830
468535.55
508361.0718
551571.7628
598455.3627
649324.0685
704516.6143
764400.5266
829374.5713
899871.4099
976360.4797
1059351.12
1149395.966
1247094.623
1353097.666
1468110.967
1592900.4
1728296.934
1875202.173
2034594.358
2207534.878
2395175.343
2598765.247
2819660.293
3059331.418

EPF
348942.7
399833.2
455176.6
515362.5
580814.8
651994.1
729401.5
813582.2
905128.6
1004685
1112953
1230695
1358739
1497986
1649418
1814100
1993192
2187954
2399758
2630095
2880586
3152995
3449241
3771407
4121763
4502776

18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720

0.09
Gratuity

Balance-2
1521240
1685179.38
1866095.73
2065687.53
2436842.67
2679575.27
3212898.39
3534401.18
3888633.32
4278864.3
4708689.42
5182062.18
5703329.94
6277273.06
6909147.98
7604734.57
8402513.14
9245221.71
10172668.8
11193302.8
12316412.7
13552211.7
14911929.4
16407912.3
18053735.2
19864322.8

1000000
8667765

722313.7
1000000

Sakshi Higher
Education
96755
96755
96755
96755
96755
96755
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
793437.1615

Debt MF @ 8.5%
Balance-3
1424485
1588424.379
1769340.726
1968932.531
2340087.671
2582820.272
2419461.224
3534401.177
3888633.318
4278864.301
4708689.421
5182062.184
5703329.942
6277273.059
6909147.98
7604734.566
8402513.142
9245221.708
10172668.84
11193302.83
12316412.69
13552211.73
14911929.42
16407912.32
18053735.17
19864322.85

Sakshi Marriage

199042
199042
199042
199042
199042
199042
199042
199042
199042
199042
199042
199042
0
0
0
0
0
0
0
0
0
0
0
0
0
3777255.175

10.25
Balance-4
1424485
1389382.379
1570298.726
1769890.531
2141045.671
2383778.272
2220419.224
3335359.177
3689591.318
4079822.301
4509647.421
4983020.184
5504287.942
6277273.059
6909147.98
7604734.566
8402513.142
9245221.708
10172668.84
11193302.83
12316412.69
13552211.73
14911929.42
16407912.32
18053735.17
19864322.85

Purchase new
house current
cost Rs.
5500000,
Gift a car of
Future cost
Rs.2500000 future Rs.
cost- 6799059
1,49,57,930

Home
1275744
435744
435744
435744
435744
435744
435744
435744
435744
435744
435744
435744
435744
435744
435744
0
0
0
0
0
0
0
0
0
0
0

Goals
9% Bank FD
Balance-5
148741
953638.3785
1134554.726
1334146.531
1705301.671
1948034.272
1784675.224
2899615.177
3253847.318
3644078.301
4073903.421
4547276.184
5068543.942
5841529.059
6473403.98
7604734.566
8402513.142
9245221.708
10172668.84
11193302.83
12316412.69
13552211.73
14911929.42
16407912.32
18053735.17
19864322.85

retirement
corpus
0
425725
425725
425725
425725
425725
425725
425725
425725
425725
425725
425725
425725
425725
425725
425725
425725
425725
425725
425725
425725
425725
425725
425725
425725
425725

Current cost 7 Balance

L
After Goals
Balance-6
148741
527913.379
708829.726
908421.531
1279576.67
1522309.27
1358950.22
2473890.18
2828122.32
3218353.3
3648178.42
4121551.18
4642818.94
5415804.06
6047678.98
7179009.57
7976788.14
8819496.71
9746943.84
10767577.8
11890687.7
13126486.7
14486204.4
15982187.3
17628010.2
19438597.8
0
0

0
0
0
0
0
0

World Tour
0
0
0
0
0
0
0
0
0
0
1511247
1632146.76
1762718.5
1903735.98
2056034.86
2220517.65
2398159.06
2590011.78
2797212.73
3020989.75
3262668.93
3523682.44
3805577.03
4110023.2
4438825.05
4793931.06

Health
148741
527913.4
708829.7
908421.5
1279577
1522309
1358950
2473890
2828122
3218353
2136931
2489404
2880100
3512068
3991644
4958492
5578629
6229485
6949731
7746588
8628019
9602804
10680627
11872164
13189185
14644667

4000
4000
4000
4000
4000
4440
4440
4440
4440
4440
4928.4
4928.4
4928.4
4928.4
4928.4

1.087
Balance- 7
84741
458913.3785
634829.7261
829421.5307
1195576.671
1432869.272
1264510.224
2374450.177
2723682.318
3108913.301
2022003.021
2369476.024
2755172.041
3382139.678
3856715.721
4823491.918
5438629.082
6084484.923
6799731.112
7591588.08
8468018.762
9437804.293
10510627.38
11697164.12
13009185.12
14459666.79

Invest in
guilt fund

92113.467
598966.181
1341136.15
2359396.2
3864255.51
5757974.64
7633441.04
10878577.8
14785656.7
19451397.6
23341586.5
27947924.9
11617277.4
16304366.4
21915096.2
29064845.3
37505276.7
47382070.9
58895618.7
72271593.8
87763958.9
105658317
126275642
149976440
177165375
208296420
226418209

246116593
267528737
290803737
316103662
343604680
373498288

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16207789.5 -16207789
175893129

405992639
441313998
479708316
521442939
566808475
616120812
669723323
727989252
791324317
860169533
935004282
1016349655
1104772075
1200887245
1305364436
1418931141
1542378151
1676565050
1822426209
1980977289

VIdya
Age

salary

8.75
EPF
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

18720
40716
64636.65
90650.36
118940.3
149705.5
183162.8
219547.5
259115.9
302146.6
348942.4
399832.8
455176.2
515362.1
580814.3
651993.6
729401
813581.6
905128
1004685
1112953
1230694
1358738
1497985
1649417
1814099
1993191
2187953
2399757
2630093
2880584
3152994
3449239
3771405
4121761
4502773

18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720
18720