Monthly Tracker-20142014JanFebMarAprMayJunJulAugSepOctNovDecBank balance prior sal credit2000Cash FlowGross pay104934Income tax14314Take Home80000income source 28145income source 314656Total Cash Flow102801House-hold Expenses30000unanticipated expenses3000Charity1000Savings for recurring annual goalsGoal 1Goal 2Goal 3Short-term and long-term (> 5Y) financial goalsEPF contribution8369Investments Enter name of instrument8369forEnter name of instrument6000RetirementEnter name of instrument4000Enter name of instrument2500TargetTotal investment000000029238000043,413You can change the targetsEnter name of instrument3000Investments if you cannot invest as muchEnter name of instrument1000forEnter name of instrument2500Goal 2Enter name of instrument6000TargetTotal investment000000041738000029,762Enter name of instrument3000Investments Enter name of instrument1000forEnter name of instrument2500Goal 3Enter name of instrument6000TargetTotal investment00000005423800008,333Enter name of instrument3000Investments Enter name of instrument1000forEnter name of instrument2500Goal 4Enter name of instrument6000TargetTotal investment0000000667380000417Enter name of instrument3000Investments Enter name of instrument1000forEnter name of instrument2500Goal 5Enter name of instrument6000TargetTotal investment000000079238000083,333

Goal PlannerGoal no 1: RetirementGoal 2Goal 3Goal 4Goal 5Rupa48780.4915269637Date of birth9/1/74Name1st Childs education2nd Childs education1st Childs marriage2nd Childs marriage00Date of retirement8/30/39When do you need the money? (year)202820342034203400Life expectancy90When will start investing? (year)201420142014201400Inflation (throughout lifetime!)9%Years available for investment 14.0020.0020.0020.0000Current monthly expenses (exlclude EMI)40,000Present cost (as on date)5,000,0002,000,000100,0002,000,00000Curent annual expenses (AMC, internet etc.)40,000inflation10.0%10.0%10.0%10.0%00Post-tax rate of return expected BEFORE retirement (Please be realistic.)10%Net rate of return (post-tax)10.00%10.00%10.00%10.00%Post-tax rate of return expected AFTER retirement (Not more than 6-7%)7%Amt invested so far (updated from mf holdings)Annual increase in monthly investment10%RoI of current invest.0.00%10.00%0.00%0.00%Current value of EPF or NPS corpus140,000Annual inc. in monthly invest. %10.00%10.00%10.00%10.00%Average rate of return for this amount8%When investment are made **1111When you retire the corpus from other sources will grow to958786.527470705Future Cost189874921345500067275013455000Current date8/11/14Future value of current Investment0.000.000.000.00Years to retirement25initial mon. invest. reqd. when investments start29,761.928,333.34416.6783,333.41Age at the end of current year40Years in retirement25Use the integrated financial plan creatorTotal annual expenses520000for creating a more holistic financial plan** note 1: Choose '0' if SIP occurs at month beginning and '1' if SIP occurs at month end**Annual expenses when you retire (retirement income in 1st year of retirement)4,510,547with more optionsCorpus required142,084,770When your reitire the current mf corpus will grow toIf you were to retire today the current corpus will last for (years)0.27If you were to retire as intended you will be financially independent for (years)0.21Net corpus required141,125,984investment required each month43,413Provided this investment increases each year at the rate of 10.00%

Retirement

Annual increase in investment10.00%Enter the total invement made each for this goal in the green cellsS.noYearInvestmentTargetActual (average)Jan.Feb.Mar.Apr.MayJuneJulyAugSepOctNovDec.1201443,4132201547,7543201652,5304201757,7835201863,5616201969,9177202076,9098202184,6009202293,060102023102,366112024112,603122025123,863132026136,249142027149,874152028164,861162029181,347172030199,482182031219,430192032241,373202033265,511212034292,062222035321,268232036353,395242037388,734252038427,608262039470,369

Goal no 2

Annual increase in investment10.00%Enter the total invement made each for this goal in the green cellsS.noYearInvestmentTargetActual (average)Jan.Feb.Mar.Apr.MayJuneJulyAugSepOctNovDec.1201429,7622201532,7383201636,0124201739,6135201843,5746201947,9327202052,7258202157,9989202263,79710202370,17711202477,19512202584,91413202693,406142027102,746152028113,021162029124,323172030136,755182031150,431192032165,474202033182,021212034200,223222035220,246232036242,270242037266,497252038293,147262039322,462

Goal no 3

Annual increase in investment10.00%Enter the total invement made each for this goal in the green cellsS.noYearInvestmentTargetActual (average)Jan.Feb.Mar.Apr.MayJuneJulyAugSepOctNovDec.120148,333220159,1673201610,0834201711,0925201812,2016201913,4217202014,7638202116,2399202217,86310202319,65011202421,61512202523,77613202626,15414202728,76915202831,64616202934,81017203038,29118203142,12119203246,33320203350,96621203456,06322203561,66923203667,83624203774,61925203882,08126203990,289

Goal no 4

Annual increase in investment10.00%Enter the total invement made each for this goal in the green cellsS.noYearInvestmentTargetActual (average)Jan.Feb.Mar.Apr.MayJuneJulyAugSepOctNovDec.1201441722015458320165044201755552018610620196717202073882021812920228931020239821120241,0811220251,1891320261,3081420271,4381520281,5821620291,7411720301,9151820312,1061920322,3172020332,5482120342,8032220353,0832320363,3922420373,7312520384,1042620394,514

Goal no 5

Annual increase in investment10.00%Enter the total invement made each for this goal in the green cellsS.noYearInvestmentTargetActual (average)Jan.Feb.Mar.Apr.MayJuneJulyAugSepOctNovDec.1201483,3332201591,66732016100,83342017110,91752018122,00862019134,20972020147,63082021162,39392022178,633102023196,496112024216,145122025237,760132026261,536142027287,690152028316,458162029348,104172030382,915182031421,206192032463,327202033509,660212034560,625222035616,688232036678,357242037746,193252038820,812262039902,893