All of us have dreams and goals. Unfortunately for most of us the total monthly investment required to achieve these goals is a little too much. The reasons for there are many: we don't earn enough, we spend a lot, we have a lot of outstanding debt etc. etc.
Read this article by Sanjay Dixit who works is a financial planner at Horus Financials
How a Financial Planner can add value through savings optimization?
This talks about how one can reduce the monthly investment by 20-40% and still achieve all goals. Thanks to Mr. Centhil R. Iyer, Horus Financials for pointing me to this article.
So I made an excel calculator to automate this process for 5 goals in addition to retirement. It also has the Retirement planner Lite and general goal planner built into it.
Go ahead give it a try and let me know what you think.
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