2012-Oct 2012-Nov What is a good month financially?Bank balance prior sal credit 2000 If the bank balance prior salary credit in Nov is equal toGross pay 104934 spare amount in Oct!Income tax 14314Take Home 80000income source 2 8145income source 3 14656Total Cash Flow 102801House-hold Expenses 30000unanticipated expenses 3000Charity 1000

Retirement New pension scheme empoyer 8369New pension scheme empoyee 8369

numbers in HDFC Equity 6000red denote FI-Blue-Chip Fund 4000SIPs Canara-Robeco 2500others are DSP BlackRock top-100 6000done HDFC Balanced Fund 9000manually PPF-self 500

PPF-spouse 500Sons PPF1 3000education PPF2 1000

I-Pru Dynamic 2500HDFC-T-200 6000HDFC-Prud 4000HDFC-Prud 2000

marriage (UTI div-yld) 2000SUM 99738Spare amount (if positive!) 3063AnalysisRetirment Savings 45238Retirement Target 40450Retirement % Equity 58.38%Retirement % Debt 41.62%Sons education savings 18500Target 18150% Equity-approx 51.89%% Debt-approx 37.30%Giggi-marriage Target (Jan 2013)% Savings targetted 57.00%% Savings achieved 63.95%% retirement savings of Gross pay 44.01%% Giggi education of gross pay 18.00%% Giggi marriage of gross pay 1.95%

What is a good month financially?If the bank balance prior salary credit in Nov is equal to

All figures monthly computed for January of each year buildRetirement Education Weddingmedicine

Age Year Cont. Target AgeCont. TargetCont. Target corpus37 2011 ### 32362 1 ### 16500 0 038 2012 ### 40450 pre-kg 2 ### 18150 039 2013 45709 lkg 3 19965 500040 2014 51651 ukg 4 21962 5500 500041 2015 58365 1st 5 24158 6050 525042 2016 65953 2nd 6 26573 6655 551343 2017 74527 3rd 7 29231 7321 578844 2018 84215 4th 8 32154 8053 607845 2019 95163 5th 9 35369 8858 638146 2020 107534 6th 10 38906 9744 670047 2021 121513 7th 11 42797 10718 703648 2022 137310 8th 12 47076 11790 738749 2023 155161 9th 13 51784 12969 775750 2024 175331 10th 14 56962 14266 814451 2025 198125 11th 15 62659 15692 855252 2026 223881 12th 16 68925 17261 897953 2027 252985 grad 17 75817 18987 942854 2028 285873 18 20886 990055 2029 323037 19 22975 1039556 2030 365032 20 25272 1091457 2031 412486 21 27800 1146058 2032 466109 22 30580 1203359 2033 526703 23 33637 1263560 2034 595174 24 37001 1326661 2035 672547 25 40701 1393062 2036 759978 1462663 2037 858775 1535864 2038 970416 1612565 2039 ### 16932

17778

build Salary Expenses Expensestravel TOTAL Expected Salary% savingsanticipated actualcorpus Jan-10 83555

95971 Jan-11 95971 27000 2700061060 105568 Jan-12 ### 58 29700 30000

0 116125 326705000 127737 35937

10000 15250 140511 3953111000 16513 154562 4348412100 17888 170018 4783213310 19388 187020 5261514641 21022 205722 5787716105 22806 226295 6366517716 24751 248924 7003119487 26874 273816 7703421436 29193 301198 8473823579 31724 331318 9321125937 34489 364450 10253228531 37510 400895 11278631384 40813 440984 12406434523 44422 485083 13647137975 48370 533591 15011841772 52687 586950 16513045950 57410 645645 18164250545 62578 710209 19980755599 68234 781230 21978761159 74426 859353 24176667275 81205 945289 26594374002 88629 1039818 29253781403 96760 1143799 32179189543 ### 1258179 35397098497 ### 1383997 389367### ### 1522397 428304