{"text_format":"1","workbook":"xlsx","n_sheets":2,"sheets":["Annuity Calculators","retirement planner"],"not_rendered":{"charts":0,"images":0,"macros":0,"external_links":0,"defined_names":181,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Annuity Calculators","index":0,"n_rows":18,"n_cols":5,"rows_kept":18,"cut":false,"hidden":false,"merged":[[0,0,0,4],[17,3,17,4],[1,0,1,1],[2,0,2,1],[2,3,2,4],[9,0,9,1],[9,3,9,4]]}
["FIRE Calculators"]
["Fill only green cells"]
["What is the corpus required?",null,null,"How much can I draw from a corpus? (annual payout)"]
["Amount needed in first year (1st payment)",400000,null,"corpus",{"$f":"corpus","v":10000000}]
["Interest rate on corpus",0.08,null,"Interest rate on corpus",0.08]
["Inflation rate",0.08,null,"Inflation rate",0.08]
["Years payments are required",5,null,"Years payments are required",25]
["Corpus",{"$f":"PV((1+return)/(1+inflation)-1,years,-payment,,1)","v":2000000},null,"First annual payment",{"$f":"PMT((1+return2)/(1+inflation2)-1,years1,-corpus1,,1)","v":400000}]
[null,null,null,"Last annual payment",{"$f":"PMT((1+return2)/(1+inflation2)-1,years1,-corpus1,,1)*(1+inflation2)^(years1-1)","v":2536472.2948960457}]
["How long will a corpus last?",null,null,"What is rate of return required? "]
["Corpus",10000000,null,"Corpus",11000000]
["Interest rate on corpus",0.08,null,"Inflation rate",0.1]
["Inflation rate",0.08,null,"Years payments are required",25]
["Amount needed in first year (1st payment)",400000,null,"Amount needed in first year (1st payment)",360000]
["Years payment can be made",{"$f":"NPER((1+return1)/(1+inflation1)-1,-payment1,corpus,,1)","v":25},null,"Rate of return required",{"$f":"RATE(E13,-payment2,corpus2,0,1)*(1+inflation3)+inflation3","v":8.2369377357767629E-2}]
[]
["Comments and suggestions welcome",null,null,null,"pattu@iitm.ac.in"]
["Download more financial calculators and analysis tools from:",null,null,"Freefincal.com"]

{"sheet":"retirement planner","index":1,"n_rows":1211,"n_cols":8,"rows_kept":1211,"cut":false,"hidden":false,"merged":[]}
["Retirement Planner (Fill only cells in green)",null,"Visit freefincal for more free calculators"]
["Current year",2012,"Comments, criticism, specific ways to improve the calculations and your thoughts on "]
["Age at the end of current year",38,"goal plannning are welcome.  M. Pattabiraman pattu@iitm.ac.in"]
["No of years you expect to work",27]
["Current monthly expenses",30000]
["Other Annual expenses",5000,"Include expenses like vehicle service charges, AMCs on appliances etc. mediclaim premium. Exclude life insurance premium"]
["overestimate expenses for safety by %",0.1,"This will be added to your current expenses now it self. I use this more as a safety buffer"]
["Expected inflation after retirement",8.5000000000000006E-2,"Do not underestimate. Numbers will be rosy if you underestimate"]
["Estimated years in retirement",25,"Don’t underestimate! Especially if you wish to retire soon. "]
["Net Rate of interest for monthly investment",0.09,"Some component of your investment would go to equity (~ 60%) and rest to debt instrument. So this rate is an average value"]
["Anticipated post-retirement rate of interest",0.08]
["Amount invested so far (end of current year)",1800000]
["rate of interest for this amount",0.08]
["Annual increase in monthly investment ",0.13,"This is the most important parameter. If you don’t stick to this the plan each year upto retirement, the plan will fail!"]
["When you retire amt invested so far will grow to ",{"$f":"B12*(1+B13)^(wy)","v":14378510.643966395}]
["Current expenses per month (annual/12)  ",{"$f":"(B5+(B6/12))*(1+addexp)","v":33458.333333333336},"Overestimate by",null,{"$f":"addexp","v":0.1},"(entry in cell B7) as a safety measure. Set B7 to zero if you don’t need this"]
["Total Corpus Required",{"$f":"PV((1+retroi)/(1+inf)-1,k,-prepen1*12,,1)","v":110449320.91160862}]
["Net corpus to be saved",{"$f":"PV((1+retroi)/(1+inf)-1,k,-prepen1*12,,1)/(1-tax)-B15","v":96070810.26764223}]
["Estimated tax rate on monthy pension",{"$f":"(1+3%)*IF(expenses*(1+addexp)*12<=200000,0,IF(expenses*(1+addexp)*12<=500000,(expenses*(1+addexp)*12-200000)*10%,IF(expenses*(1+addexp)*12<=1000000,30000+\n\n(expenses*(1+addexp)*12-500000)*20%,30000+500000*20%+(expenses*(1+addexp)*12-1000000)*30%)))/(expenses*(1+addexp)*12)","v":5.6356730442658223E-2},"Estimated assuming your current annual expenses = taxable income under present tax slab - likely post-retirement scenario"]
["Pre-tax monthly pension in 1st year of retirement",{"$f":"(B16)*(1+inf)^(wy)*(1+inf)^(1)/(1-B19)","v":348120.12119430286}]
["Post-tax monthly pension in 1st year of retirement",{"$f":"B20*(1-B19)","v":328501.20936249004},"=initial monthly expenses when you retire"]
["Results"]
["Initial monthly investment required =",{"$f":"IF(wy=0,0,IF(B14=B10,(PV((1+retroi)/(1+inf)-1,k,-prepen1*12,,1)/(1-tax)-B15)/(12*n*(1+B10)^n),(PV((1+retroi)/(1+inf)-1,k,-prepen1*12,,1)/(1-tax)-B15)*(B10-B14)/(12*(1+B10)*((1+B10)^(wy)-(1+B14)^(wy)))))","v":17421.198393523315}]
["Increasing each year by",{"$f":"gd","v":0.13}]
[]
["Instructions and Notes"]
["1. Fill only cells in green"]
["2. The worksheet is not protected so make a copy before proceeding"]
["3. The sheet calculates annual annuity payable at the beginning of the year"]
["4. investment for retirement is assumed to be made at the beginning of the month"]
["5. The sheet assumes the investment for ret. will begin in Jan of the next year."]
["If you are already investing on a monthly basis you could expect a bigger corpus. "]
["You could include this nformation suitably in the 'amt. inv. So far' cell"]
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