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{"sheet":"Retirement","index":0,"n_rows":42,"n_cols":3,"rows_kept":42,"cut":false,"hidden":false,"merged":[[15,0,15,2],[30,0,30,1]]}
["The low-stress Retirement Calculator by freefincal.com"]
["Current monthly expenses that will persist in retirement",40000]
["Annual expenses that will persist in retirement",40000]
["Total average monthly expenses (annual/12)",{"$f":"((12*B2)+B3)/12","v":43333.333333333336}]
["Inflation before retirement (%)",8]
["Current age",35]
["Age you wish to retire",60]
["No of years you expect to live!",80]
["Years to retirement",{"$f":"B7-B6","v":25}]
["Monthly expenses in first year of retirement",{"$f":"B4*(1+B5/100)^B9","v":296767.25850283745}]
["Years in retirement",{"$f":"B8-B7","v":20}]
["Inflation during retirement (%)",9]
["Post-tax average return from retirement corpus (%)",8]
["For now set it to a low number"]
["Total Corpus required",{"$f":"PV((1+((B13/100)))/(1+(B12/100))-1,B11,-12*B10,,1)","v":77851401.196472019}]
["Post-tax return (used for current and future investments)"]
["Post-tax return expected from  equity investments %",14]
["Post-rax return expected from current taxable debt %",6]
["Rate of return expected from current tax-free debt %",8]
["Present Value of investments",null,"Estimated Value at the time of retirement"]
["Value of current equity invesments",100000,{"$f":"(B21*(1+B17/100)^Retirement!$B$9)","v":2646191.5812336383}]
["Value of current taxable debt investments (FD, debt fund etc.)",100000,{"$f":"(B22*(1+B18/100)^Retirement!$B$9)","v":429187.0719743488}]
["Value of current tax-free debt investments (EPF+PPF+LIC)",100000,{"$f":"(B23*(1+B19/100)^Retirement!$B$9)","v":684847.51962193253}]
["Lump sum benefits expected at retirement",500000,{"$f":"B24","v":500000}]
["Current monthly mandatory EPF contribution",8000,{"$f":"(12*(12%*B25+12%*B25+IF(12%*B25>1800,-1249.5,0))*((1+B27%+0.000001%)^B9-(1+B26%)^B9)/(0.000001%+B27%-B26%))","v":2658908.6872896501}]
["Annual increase in this contribution (be realistic) %",5]
["Expected rate of return for EPF or NPS %",8]
["Net Corpus to be accumulated (notice reduction)",{"$f":"Retirement!B15-SUM(C21:C25)","v":70932266.336352453}]
[]
[]
["You need to invest some amt each month to attain this corpus"]
["What percentage of this monthly investment would you:"]
["1) allocate to equity % ",70]
["2) allocate to taxable debt instruments %",10]
["3) allocate to tax-free debt instruments %",{"$f":"100-B33-B34","v":20}]
["Annual increase in total monthly investment %",10]
["Net rate of return (this is an approximation) %",{"$f":"((Retirement!B17*B33)+(Retirement!B18*B34)+(Retirement!B19*B35))/100","v":12}]
["Monthly investment required",{"$f":"IF(Retirement!B28<0,0,IF(B36=B37,Retirement!B28/(12*Retirement!B9*(1+(B37/100))^Retirement!B9),Retirement!B28*((B37/100)-(B36/100))/(12*(1+(B37/100))*((1+(B37/100))^(Retirement!B9)-(1+(B36/100))^(Retirement!B9)))))","v":17120.491596966061}]
["Initial Monthly investment in"]
["Equity",{"$f":"B38*B33/100","v":11984.344117876242}]
["Taxable Debt",{"$f":"B38*B34/100","v":1712.0491596966062}]
["Tax-free Debt",{"$f":"B38*B35/100","v":3424.0983193932125}]

{"sheet":"Other goals","index":1,"n_rows":18,"n_cols":36,"rows_kept":18,"cut":false,"hidden":false,"merged":[]}
["Enter name of the goal for your reference","Daughters education",null,"Sons education",null,"Daughters marriage",null,"Sons marriage",null,"Goal 5",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"equity investing stops",0,null,0,null,0,null,0,null,0]
["Years to goal (has to be before retirement)*",12,null,14,null,20,null,22,null,6,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"max equity investing years",{"$f":"B2-AB1","v":12},null,{"$f":"D2-AD1","v":14},null,{"$f":"F2-AF1","v":20},null,{"$f":"H2-AH1","v":22},null,{"$f":"J2-AJ1","v":6}]
["Present cost",2500000,null,2500000,null,1000000,null,100000,null,1000000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"* that is less than ",{"$f":"Retirement!B9","v":25},null," years"]
["inflation",0.1,null,0.1,null,0.1,null,0.1,null,0.1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B2>=AB3,1,IF(D2>=AB3,1,IF(F2>=AB3,1,IF(H2>=AB3,1,IF(J2>=AB3,1,0)))))","v":0}]
["Post-tax return from equity instruments expected",0.12,null,0.12,null,0.12,null,0.12,null,0.12]
["Post-tax return from debt instruments expected",7.0000000000000007E-2,null,7.0000000000000007E-2,null,7.0000000000000007E-2,null,7.0000000000000007E-2,null,7.0000000000000007E-2]
["Equity allocation",0.6,null,0.6,null,0.6,null,0.6,null,0.6]
["Debt allocation",{"$f":"1-B7","v":0.4},null,{"$f":"1-D7","v":0.4},null,{"$f":"1-F7","v":0.4},null,{"$f":"1-H7","v":0.4},null,{"$f":"1-J7","v":0.4}]
["Net rate of return (post-tax)",{"$f":"(B7*B5)+(B8*B6)","v":0.1},null,{"$f":"(D7*D5)+(D8*D6)","v":0.1},null,{"$f":"(F7*F5)+(F8*F6)","v":0.1},null,{"$f":"(H7*H5)+(H8*H6)","v":0.1},null,{"$f":"(J7*J5)+(J8*J6)","v":0.1}]
["Amt invested so far in equity instruments",100000]
["Amt invested so far in debt instruments",200000]
["Rate of return expected from portfolio",0.12,null,0.12,null,0.12,null,0.12,null,0.12]
["Future Cost",{"$f":"B3*(1+B4)^AB2","v":7846070.9418025063},null,{"$f":"D3*(1+D4)^AD2","v":9493745.8395810351},null,{"$f":"F3*(1+F4)^AF2","v":6727499.949325609},null,{"$f":"H3*(1+H4)^AH2","v":814027.49386839895},null,{"$f":"J3*(1+J4)^AJ2","v":1771561.0000000009}]
["RoI of current invest.",0.08,null,0.08,null,0.08,null,0.08,null,0.08]
["Future value of curr. Inv.",{"$f":"B10*(1+B5)^ygoal1+B11*(1+B6)^ygoal1","v":840035.91704686254},null,{"$f":"D10*(1+D5)^ygoal1+D11*(1+D6)^ygoal1","v":0},null,{"$f":"F10*(1+F5)^ygoal1+F11*(1+F6)^ygoal1","v":0},null,{"$f":"H10*(1+H5)^ygoal1+H11*(1+H6)^ygoal1","v":0},null,{"$f":"J10*(1+J5)^ygoal1+J11*(1+J6)^ygoal1","v":0}]
["Annual inc. in monthly invest. %",0.1,null,0.1,null,0.1,null,0.1,null,0.1]
["initial mon. invest. reqd.",{"$f":"IF(B12=B16,(B13-B15)/(12*AB2*(1+B12)^AB2),(B13-B15)*(B12-B16)/(12*(1+B12)*((1+B12)^(AB2)-(1+B16)^(AB2))))","v":13762.365745023082},null,{"$f":"IF(D12=D16,(D13-D15)/(12*AD2*(1+D12)^AD2),(D13-D15)*(D12-D16)/(12*(1+D12)*((1+D12)^(AD2)-(1+D16)^(AD2))))","v":12965.691184202871},null,{"$f":"IF(F12=F16,(F13-F15)/(12*AF2*(1+F12)^AF2),(F13-F15)*(F12-F16)/(12*(1+F12)*((1+F12)^(AF2)-(1+F16)^(AF2))))","v":3429.897270942457},null,{"$f":"IF(H12=H16,(H13-H15)/(12*AH2*(1+H12)^AH2),(H13-H15)*(H12-H16)/(12*(1+H12)*((1+H12)^(AH2)-(1+H16)^(AH2))))","v":305.89386239149019},null,{"$f":"IF(J12=J16,(J13-J15)/(12*AJ2*(1+J12)^AJ2),(J13-J15)*(J12-J16)/(12*(1+J12)*((1+J12)^(AJ2)-(1+J16)^(AJ2))))","v":13033.864944302262}]
[{"$f":"CONCATENATE(AA3,AB3,AD3)","v":"* that is less than 25 years"}]

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["initial monthly investment required for"]
["Retirement",{"$f":"Retirement!B38","v":17120.491596966061}]
[{"$f":"'Other goals'!B1","v":"Daughters education"},{"$f":"'Other goals'!B17","v":13762.365745023082}]
[{"$f":"'Other goals'!F1","v":"Daughters marriage"},{"$f":"'Other goals'!D17","v":12965.691184202871}]
[{"$f":"'Other goals'!H1","v":"Sons marriage"},{"$f":"'Other goals'!F17","v":3429.897270942457}]
[{"$f":"'Other goals'!J1","v":"Goal 5"},{"$f":"'Other goals'!H17","v":305.89386239149019}]
["initial mon. invest. reqd. for goal 5",{"$f":"'Other goals'!J17","v":13033.864944302262}]
["Total investment reqd. for all goals",{"$f":"Retirement!B38+'Other goals'!B17+'Other goals'!D17+'Other goals'!F17+'Other goals'!H17+'Other goals'!J17","v":60618.204603828213}]
[]
[]
[]
["Expected return for unified portfolio",0.1]
["Annual inc. in monthly invest. %",0.1]
[]
["Extra amt you can invest per month",null,"after",5,"years"]
["Extra amt you can invest per month",null,"after",10,"years"]
[]
[]
[]
[]
[]
["Total initial monthly investment required for"]
["Multiple portfolios",{"$f":"summary!B8","v":60618.204603828213}]
["Unified portfolio for long-term goals",{"$f":"invest","v":45489.214414916692}]
["A reduction of",{"$f":"IF(B24<B23,(B23-B24)/B23,\"NA\")","v":0.24957832861905782}]

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{"sheet":"Graphs","index":5,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"retirement-cashflow","index":6,"n_rows":37,"n_cols":4,"rows_kept":37,"cut":false,"hidden":true,"merged":[]}
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[{"$f":"IF(A31=Retirement!$B$11,NA(),A31+1)","v":{"$error":"#N/A"}},{"$f":"IF(A32>Retirement!$B$11,NA(),D31)","v":{"$error":"#N/A"}},{"$f":"IF(A32>Retirement!$B$11,NA(),C31*(1+Retirement!$B$12/100))","v":{"$error":"#N/A"}},{"$f":"IF(A32>Retirement!$B$11,NA(),(B32-C32)*(1+Retirement!$B$13/100))","v":{"$error":"#N/A"}}]
[{"$f":"IF(A32=Retirement!$B$11,NA(),A32+1)","v":{"$error":"#N/A"}},{"$f":"IF(A33>Retirement!$B$11,NA(),D32)","v":{"$error":"#N/A"}},{"$f":"IF(A33>Retirement!$B$11,NA(),C32*(1+Retirement!$B$12/100))","v":{"$error":"#N/A"}},{"$f":"IF(A33>Retirement!$B$11,NA(),(B33-C33)*(1+Retirement!$B$13/100))","v":{"$error":"#N/A"}}]
[{"$f":"IF(A33=Retirement!$B$11,NA(),A33+1)","v":{"$error":"#N/A"}},{"$f":"IF(A34>Retirement!$B$11,NA(),D33)","v":{"$error":"#N/A"}},{"$f":"IF(A34>Retirement!$B$11,NA(),C33*(1+Retirement!$B$12/100))","v":{"$error":"#N/A"}},{"$f":"IF(A34>Retirement!$B$11,NA(),(B34-C34)*(1+Retirement!$B$13/100))","v":{"$error":"#N/A"}}]
[{"$f":"IF(A34=Retirement!$B$11,NA(),A34+1)","v":{"$error":"#N/A"}},{"$f":"IF(A35>Retirement!$B$11,NA(),D34)","v":{"$error":"#N/A"}},{"$f":"IF(A35>Retirement!$B$11,NA(),C34*(1+Retirement!$B$12/100))","v":{"$error":"#N/A"}},{"$f":"IF(A35>Retirement!$B$11,NA(),(B35-C35)*(1+Retirement!$B$13/100))","v":{"$error":"#N/A"}}]
[{"$f":"IF(A35=Retirement!$B$11,NA(),A35+1)","v":{"$error":"#N/A"}},{"$f":"IF(A36>Retirement!$B$11,NA(),D35)","v":{"$error":"#N/A"}},{"$f":"IF(A36>Retirement!$B$11,NA(),C35*(1+Retirement!$B$12/100))","v":{"$error":"#N/A"}},{"$f":"IF(A36>Retirement!$B$11,NA(),(B36-C36)*(1+Retirement!$B$13/100))","v":{"$error":"#N/A"}}]
[{"$f":"IF(A36=Retirement!$B$11,NA(),A36+1)","v":{"$error":"#N/A"}},{"$f":"IF(A37>Retirement!$B$11,NA(),D36)","v":{"$error":"#N/A"}},{"$f":"IF(A37>Retirement!$B$11,NA(),C36*(1+Retirement!$B$12/100))","v":{"$error":"#N/A"}},{"$f":"IF(A37>Retirement!$B$11,NA(),(B37-C37)*(1+Retirement!$B$13/100))","v":{"$error":"#N/A"}}]

{"sheet":"Keep short-term goals separate","index":7,"n_rows":12,"n_cols":2,"rows_kept":12,"cut":false,"hidden":false,"merged":[]}
["Enter name of the goal for your reference","Goal 5"]
["Years to goal (has to be before retirement)*",6]
["Present cost",1000000]
["inflation",0.1]
["Rate of return expected from portfolio",0.08]
["Future Cost",{"$f":"B3*(1+B4)^B2","v":1771561.0000000009}]
["Amt invested so far",0]
["RoI of current invest.",0.08]
["Future value of curr. Inv.",{"$f":"B7*(1+B8)^AB2","v":0}]
["Annual inc. in monthly invest. %",0.1]
["initial mon. invest. reqd.",{"$f":"IF(B5=B10,(B6-B9)/(12*B2*(1+B5)^B2),(B6-B9)*(B5-B10)/(12*(1+B5)*((1+B5)^(B2)-(1+B10)^(B2))))","v":14802.856793345212}]
[{"$f":"CONCATENATE(AA3,AB3,AD3)","v":""}]

{"sheet":"Investment tracker","index":8,"n_rows":54,"n_cols":16,"rows_kept":54,"cut":false,"hidden":false,"merged":[[0,0,0,14],[2,0,3,0],[2,1,3,1],[2,2,2,3]]}
["Use this sheet to track investments made for retirement"]
["Annual increase in investment",null,null,null,0.1,null,"Enter the total invement made each for this goal in the green cells"]
["S.no","Year","Investment"]
[null,null,"Target","Actual (average)","Jan.","Feb.","Mar.","Apr.","May","June","July","Aug","Sep","Oct","Nov","Dec."]
[1,{"$f":"YEAR(TODAY())","v":2016},25000,{"$f":"IF(ISERROR(SUM(E5:P5)/COUNT(E5:P5)),\"\",SUM(E5:P5)/COUNT(E5:P5))","v":""}]
[{"$f":"IF(B6<>\"\",A5+1,\"\")","v":2},2016,{"$f":"IF(B6=\"\",\"\",C5*(1+$E$2))","v":27500.000000000004},""]
[3,2017,30250.000000000007,""]
[4,2018,33275.000000000007,""]
[5,2019,36602.500000000015,""]
[6,2020,40262.750000000022,""]
[7,2021,44289.025000000031,""]
[8,2022,48717.927500000034,""]
[9,2023,53589.720250000042,""]
[10,2024,58948.692275000052,""]
[11,2025,64843.561502500066,""]
[12,2026,71327.917652750082,""]
[13,2027,78460.709418025101,""]
[14,2028,86306.780359827622,""]
[15,2029,94937.45839581039,""]
[16,2030,104431.20423539144,""]
[17,2031,114874.32465893059,""]
[18,2032,126361.75712482366,""]
[19,2033,138997.93283730603,""]
[20,2034,152897.72612103666,""]
[21,2035,168187.49873314032,""]
[22,2036,185006.24860645438,""]
[23,2037,203506.87346709982,""]
[24,2038,223857.56081380983,""]
[25,2039,246243.31689519083,""]
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["","","",{"$f":"IF(ISERROR(SUM(E37:P37)/COUNT(E37:P37)),\"\",SUM(E37:P37)/COUNT(E37:P37))","v":""}]
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