Numbers Sheet Name Numbers Table Name

3% Salary Increase
Table 1
6% Salary Increase
Table 1
3% Salary Increase 20W I30
Table 1
6% Salary Increase 20W I30
Table 1
Excel Worksheet Name

3% Salary Increase

6% Salary Increase

3% Salary Increase 20W I30

6% Salary Increase 20W I30

 Planning Calculator
Year Salary Needs 50% Needs (per month) Wants 30% Wants (per Investments @ 20% Investments (per
month) month)
1 1,400,000 700,000 58,333 420,000 35,000 280,000 23,333

2 1,442,000 721,000 60,083 432,600 36,050 288,400 24,033

3 1,485,260 742,630 61,886 445,578 37,132 297,052 24,754

4 1,529,818 764,909 63,742 458,945 38,245 305,964 25,497

5 1,575,712 787,856 65,655 472,714 39,393 315,142 26,262

6 1,622,984 811,492 67,624 486,895 40,575 324,597 27,050

7 1,671,673 835,837 69,653 501,502 41,792 334,335 27,861

8 1,721,823 860,912 71,743 516,547 43,046 344,365 28,697

9 1,773,478 886,739 73,895 532,043 44,337 354,696 29,558

10 1,826,682 913,341 76,112 548,005 45,667 365,336 30,445

11 1,881,483 940,741 78,395 564,445 47,037 376,297 31,358

12 1,937,927 968,964 80,747 581,378 48,448 387,585 32,299

13 1,996,065 998,033 83,169 598,820 49,902 399,213 33,268

14 2,055,947 1,027,974 85,664 616,784 51,399 411,189 34,266

15 2,117,626 1,058,813 88,234 635,288 52,941 423,525 35,294

16 2,181,154 1,090,577 90,881 654,346 54,529 436,231 36,353

17 2,246,589 1,123,295 93,608 673,977 56,165 449,318 37,443

18 2,313,987 1,156,993 96,416 694,196 57,850 462,797 38,566

19 2,383,406 1,191,703 99,309 715,022 59,585 476,681 39,723

20 2,454,908 1,227,454 102,288 736,473 61,373 490,982 40,915

21 2,528,556 1,264,278 105,356 758,567 63,214 505,711 42,143

22 2,604,412 1,302,206 108,517 781,324 65,110 520,882 43,407

23 2,682,545 1,341,272 111,773 804,763 67,064 536,509 44,709

24 2,763,021 1,381,511 115,126 828,906 69,076 552,604 46,050

25 2,845,912 1,422,956 118,580 853,774 71,148 569,182 47,432

26 2,931,289 1,465,645 122,137 879,387 73,282 586,258 48,855

27 3,019,228 1,509,614 125,801 905,768 75,481 603,846 50,320

28 3,109,805 1,554,902 129,575 932,941 77,745 621,961 51,830

29 3,203,099 1,601,549 133,462 960,930 80,077 640,620 53,385

30 3,299,192 1,649,596 137,466 989,758 82,480 659,838 54,987

31 3,398,167 1,699,084 141,590 1,019,450 84,954 679,633 56,636

32 3,500,112 1,750,056 145,838 1,050,034 87,503 700,022 58,335

33 3,605,116 1,802,558 150,213 1,081,535 90,128 721,023 60,085

34 3,713,269 1,856,635 154,720 1,113,981 92,832 742,654 61,888

35 3,824,667 1,912,334 159,361 1,147,400 95,617 764,933 63,744

36 3,939,407 1,969,704 164,142 1,181,822 98,485 787,881 65,657

37 4,057,590 2,028,795 169,066 1,217,277 101,440 811,518 67,626

38 4,179,317 2,089,659 174,138 1,253,795 104,483 835,863 69,655

39 4,304,697 2,152,348 179,362 1,291,409 107,617 860,939 71,745

40 4,433,838 2,216,919 184,743 1,330,151 110,846 886,768 73,897

3
Returns @ 10 % Returns @ 12% Returns @ 15% Take Home

308,000 313,600 322,000 116,667

656,040 674,240 701,960 120,167

1,048,401 1,087,847 1,148,864 123,772

1,489,801 1,561,068 1,673,051 127,485

1,985,438 2,101,356 2,286,423 131,309

2,541,038 2,717,067 3,002,673 135,249

3,162,910 3,417,569 3,837,558 139,306

3,858,002 4,213,366 4,809,212 143,485

4,633,968 5,116,229 5,938,493 147,790

5,499,235 6,139,354 7,249,404 152,224

6,463,084 7,297,528 8,769,556 156,790

7,535,737 8,607,327 10,530,713 161,494

8,728,445 10,087,325 12,569,415 166,339

10,053,598 11,758,336 14,927,695 171,329

11,524,835 13,643,685 17,653,903 176,469

13,157,173 15,769,506 20,803,654 181,763

14,967,140 18,165,082 24,440,917 187,216

16,972,931 20,863,225 28,639,272 192,832

19,194,573 23,900,695 33,483,346 198,617

21,654,110 27,318,678 39,070,477 204,576

24,375,804 31,163,316 45,512,616 210,713

27,386,355 35,486,302 52,938,523 217,034

30,715,150 40,345,549 61,496,287 223,545

34,394,530 45,805,931 71,356,225 230,252

38,460,083 51,940,127 82,714,219 237,159

42,950,975 58,829,551 95,795,548 244,274

47,910,303 66,565,404 110,859,303 251,602

53,385,490 75,249,849 128,203,453 259,150

59,428,721 84,997,325 148,170,684 266,925

66,097,415 95,936,023 171,155,100 274,933

73,454,753 108,209,535 197,609,944 283,181

81,570,254 121,978,705 228,056,462 291,676

90,520,404 137,423,695 263,094,107 300,426

100,389,364 154,746,311 303,412,275 309,439

111,269,727 174,172,594 349,803,790 318,722

123,263,370 195,955,732 403,180,423 328,284

136,482,376 220,379,320 464,590,732 338,132

151,050,064 247,761,006 535,240,584 348,276

167,102,104 278,456,578 616,516,752 358,725

184,787,758 312,864,548 710,014,048 369,486

4
 Table 1
Year Salary Needs 50% Wants 30% Investments @ 20% Returns @ 10 % Returns @ 12% Returns @ 15%

1 240,000 120,000 72,000 48,000 52,800 53,760 55,200

2 254,400 127,200 76,320 50,880 114,048 117,197 121,992

3 269,664 134,832 80,899 53,933 184,779 191,665 202,314

4 285,844 142,922 85,753 57,169 266,142 278,694 298,405

5 302,994 151,497 90,898 60,599 359,415 380,008 412,854

6 321,174 160,587 96,352 64,235 466,015 497,552 548,652

7 340,445 170,222 102,133 68,089 587,515 633,518 709,252

8 360,871 180,436 108,261 72,174 725,658 790,375 898,641

9 382,524 191,262 114,757 76,505 882,379 970,905 1,121,417

10 405,475 202,737 121,642 81,095 1,059,821 1,178,240 1,382,889

11 429,803 214,902 128,941 85,961 1,260,360 1,415,905 1,689,177

12 455,592 227,796 136,677 91,118 1,486,626 1,687,866 2,047,340

13 482,927 241,464 144,878 96,585 1,741,533 1,998,586 2,465,514

14 511,903 255,951 153,571 102,381 2,028,305 2,353,083 2,953,078

15 542,617 271,308 162,785 108,523 2,350,511 2,756,999 3,520,842

16 575,174 287,587 172,552 115,035 2,712,100 3,216,678 4,181,258

17 609,684 304,842 182,905 121,937 3,117,441 3,739,248 4,948,675

18 646,265 323,133 193,880 129,253 3,571,363 4,332,721 5,839,617

19 685,041 342,521 205,512 137,008 4,079,209 5,006,097 6,873,119

20 726,144 363,072 217,843 145,229 4,646,881 5,769,485 8,071,100

21 769,713 384,856 230,914 153,943 5,280,906 6,634,239 9,458,799

22 815,895 407,948 244,769 163,179 5,988,494 7,613,108 11,065,274

23 864,849 432,424 259,455 172,970 6,777,610 8,720,407 12,923,981

24 916,740 458,370 275,022 183,348 7,657,053 9,972,206 15,073,428

25 971,744 485,872 291,523 194,349 8,636,542 11,386,542 17,557,944

26 1,030,049 515,024 309,015 206,010 9,726,808 12,983,657 20,428,546

27 1,091,852 545,926 327,556 218,370 10,939,696 14,786,271 23,743,954

28 1,157,363 578,682 347,209 231,473 12,288,285 16,819,873 27,571,741

29 1,226,805 613,402 368,041 245,361 13,787,011 19,113,062 31,989,667

30 1,300,413 650,207 390,124 260,083 15,451,803 21,697,922 37,087,212

31 1,378,438 689,219 413,531 275,688 17,300,239 24,610,443 42,967,335

32 1,461,144 730,572 438,343 292,229 19,351,715 27,890,992 49,748,498

33 1,548,813 774,406 464,644 309,763 21,627,625 31,584,845 57,567,000

34 1,641,742 820,871 492,522 328,348 24,151,571 35,742,777 66,579,650

35 1,740,246 870,123 522,074 348,049 26,949,582 40,421,725 76,966,854

36 1,844,661 922,330 553,398 368,932 30,050,366 45,685,536 88,936,155

37 1,955,340 977,670 586,602 391,068 33,485,577 51,605,797 102,726,306

38 2,072,661 1,036,330 621,798 414,532 37,290,120 58,262,769 118,611,964

39 2,197,021 1,098,510 659,106 439,404 41,502,477 65,746,434 136,909,073

40 2,328,842 1,164,421 698,653 465,768 46,165,070 74,157,666 157,981,068

5
 Table 1
Year Salary Salary/month Needs 50% Needs/month Wants 20% Wants/month Investments @ 30% Investments/mth

1 1,400,000 116,667 700,000 58,333 280,000 23,333 420,000 35,000

2 1,442,000 120,167 721,000 60,083 288,400 24,033 432,600 36,050

3 1,485,260 123,772 742,630 61,886 297,052 24,754 445,578 37,132

4 1,529,818 127,485 764,909 63,742 305,964 25,497 458,945 38,245

5 1,575,712 131,309 787,856 65,655 315,142 26,262 472,714 39,393

6 1,622,984 135,249 811,492 67,624 324,597 27,050 486,895 40,575

7 1,671,673 139,306 835,837 69,653 334,335 27,861 501,502 41,792

8 1,721,823 143,485 860,912 71,743 344,365 28,697 516,547 43,046

9 1,773,478 147,790 886,739 73,895 354,696 29,558 532,043 44,337

10 1,826,682 152,224 913,341 76,112 365,336 30,445 548,005 45,667

11 1,881,483 156,790 940,741 78,395 376,297 31,358 564,445 47,037

12 1,937,927 161,494 968,964 80,747 387,585 32,299 581,378 48,448

13 1,996,065 166,339 998,033 83,169 399,213 33,268 598,820 49,902

14 2,055,947 171,329 1,027,974 85,664 411,189 34,266 616,784 51,399

15 2,117,626 176,469 1,058,813 88,234 423,525 35,294 635,288 52,941

16 2,181,154 181,763 1,090,577 90,881 436,231 36,353 654,346 54,529

17 2,246,589 187,216 1,123,295 93,608 449,318 37,443 673,977 56,165

18 2,313,987 192,832 1,156,993 96,416 462,797 38,566 694,196 57,850

19 2,383,406 198,617 1,191,703 99,309 476,681 39,723 715,022 59,585

20 2,454,908 204,576 1,227,454 102,288 490,982 40,915 736,473 61,373

21 2,528,556 210,713 1,264,278 105,356 505,711 42,143 758,567 63,214

22 2,604,412 217,034 1,302,206 108,517 520,882 43,407 781,324 65,110

23 2,682,545 223,545 1,341,272 111,773 536,509 44,709 804,763 67,064

24 2,763,021 230,252 1,381,511 115,126 552,604 46,050 828,906 69,076

25 2,845,912 237,159 1,422,956 118,580 569,182 47,432 853,774 71,148

26 2,931,289 244,274 1,465,645 122,137 586,258 48,855 879,387 73,282

27 3,019,228 251,602 1,509,614 125,801 603,846 50,320 905,768 75,481

28 3,109,805 259,150 1,554,902 129,575 621,961 51,830 932,941 77,745

29 3,203,099 266,925 1,601,549 133,462 640,620 53,385 960,930 80,077

30 3,299,192 274,933 1,649,596 137,466 659,838 54,987 989,758 82,480

31 3,398,167 283,181 1,699,084 141,590 679,633 56,636 1,019,450 84,954

32 3,500,112 291,676 1,750,056 145,838 700,022 58,335 1,050,034 87,503

33 3,605,116 300,426 1,802,558 150,213 721,023 60,085 1,081,535 90,128

34 3,713,269 309,439 1,856,635 154,720 742,654 61,888 1,113,981 92,832

35 3,824,667 318,722 1,912,334 159,361 764,933 63,744 1,147,400 95,617

36 3,939,407 328,284 1,969,704 164,142 787,881 65,657 1,181,822 98,485

37 4,057,590 338,132 2,028,795 169,066 811,518 67,626 1,217,277 101,440

38 4,179,317 348,276 2,089,659 174,138 835,863 69,655 1,253,795 104,483

39 4,304,697 358,725 2,152,348 179,362 860,939 71,745 1,291,409 107,617

40 4,433,838 369,486 2,216,919 184,743 886,768 73,897 1,330,151 110,846

6
Returns @ 10 % Returns @ 12% Returns @ 15%

462,000 470,400 483,000

984,060 1,011,360 1,052,940

1,572,602 1,631,771 1,723,296

2,234,702 2,341,602 2,509,577

2,978,157 3,152,033 3,429,635

3,811,557 4,075,600 4,504,009

4,744,365 5,126,354 5,756,338

5,787,004 6,320,049 7,213,817

6,950,952 7,674,344 8,907,740

8,248,852 9,209,030 10,874,106

9,694,627 10,946,292 13,154,334

11,303,605 12,910,991 15,796,069

13,092,668 15,130,988 18,854,122

15,080,397 17,637,505 22,391,542

17,287,253 20,465,527 26,480,854

19,735,759 23,654,258 31,205,481

22,450,710 27,247,623 36,661,376

25,459,396 31,294,838 42,958,908

28,791,860 35,851,043 50,225,019

32,481,166 40,978,017 58,605,715

36,563,705 46,744,974 68,268,924

41,079,532 53,229,453 79,407,785

46,072,725 60,518,323 92,244,431

51,591,795 68,708,897 107,034,338

57,690,125 77,910,191 124,071,328

64,426,463 88,244,327 143,693,322

71,865,454 99,848,106 166,288,954

80,078,235 112,874,774 192,305,180

89,143,081 127,495,988 222,256,026

99,146,123 143,904,034 256,732,651

110,182,130 162,314,303 296,414,916

122,355,380 182,968,057 342,084,692

135,780,607 206,135,543 394,641,161

150,584,046 232,119,466 455,118,413

166,904,591 261,258,891 524,705,685

184,895,055 293,933,598 604,770,634

204,723,565 330,568,980 696,886,097

226,575,096 371,641,509 802,860,876

250,653,155 417,684,868 924,775,128

277,181,637 469,296,821 1,065,021,071

7
 Table 1
Year Salary Needs 50% Wants 20% Investments @ 30% Returns @ 10 % Returns @ 12% Returns @ 15%

1 240,000 120,000 48,000 72,000 79,200 80,640 82,800

2 254,400 127,200 50,880 76,320 171,072 175,795 182,988

3 269,664 134,832 53,933 80,899 277,168 287,498 303,470

4 285,844 142,922 57,169 85,753 399,214 418,041 447,607

5 302,994 151,497 60,599 90,898 539,123 570,012 619,281

6 321,174 160,587 64,235 96,352 699,023 746,328 822,978

7 340,445 170,222 68,089 102,133 881,272 950,277 1,063,878

8 360,871 180,436 72,174 108,261 1,088,487 1,185,563 1,347,961

9 382,524 191,262 76,505 114,757 1,323,568 1,456,358 1,682,126

10 405,475 202,737 81,095 121,642 1,589,732 1,767,361 2,074,333

11 429,803 214,902 85,961 128,941 1,890,540 2,123,858 2,533,765

12 455,592 227,796 91,118 136,677 2,229,939 2,531,800 3,071,009

13 482,927 241,464 96,585 144,878 2,612,299 2,997,879 3,698,271

14 511,903 255,951 102,381 153,571 3,042,457 3,529,624 4,429,618

15 542,617 271,308 108,523 162,785 3,525,766 4,135,498 5,281,263

16 575,174 287,587 115,035 172,552 4,068,150 4,825,016 6,271,888

17 609,684 304,842 121,937 182,905 4,676,161 5,608,872 7,423,012

18 646,265 323,133 129,253 193,880 5,357,045 6,499,082 8,759,425

19 685,041 342,521 137,008 205,512 6,118,813 7,509,146 10,309,678

20 726,144 363,072 145,229 217,843 6,970,322 8,654,228 12,106,650

21 769,713 384,856 153,943 230,914 7,921,359 9,951,359 14,188,198

22 815,895 407,948 163,179 244,769 8,982,740 11,419,662 16,597,912

23 864,849 432,424 172,970 259,455 10,166,414 13,080,611 19,385,971

24 916,740 458,370 183,348 275,022 11,485,580 14,958,309 22,610,142

25 971,744 485,872 194,349 291,523 12,954,814 17,079,812 26,336,915

26 1,030,049 515,024 206,010 309,015 14,590,211 19,475,486 30,642,820

27 1,091,852 545,926 218,370 327,556 16,409,544 22,179,407 35,615,931

28 1,157,363 578,682 231,473 347,209 18,432,428 25,229,810 41,357,611

29 1,226,805 613,402 245,361 368,041 20,680,516 28,669,593 47,984,501

30 1,300,413 650,207 260,083 390,124 23,177,704 32,546,883 55,630,818

31 1,378,438 689,219 275,688 413,531 25,950,359 36,915,664 64,451,002

32 1,461,144 730,572 292,229 438,343 29,027,572 41,836,488 74,622,747

33 1,548,813 774,406 309,763 464,644 32,441,438 47,377,268 86,350,500

34 1,641,742 820,871 328,348 492,522 36,227,356 53,614,166 99,869,475

35 1,740,246 870,123 348,049 522,074 40,424,373 60,632,588 115,450,282

36 1,844,661 922,330 368,932 553,398 45,075,548 68,528,305 133,404,232

37 1,955,340 977,670 391,068 586,602 50,228,366 77,408,696 154,089,459

38 2,072,661 1,036,330 414,532 621,798 55,935,180 87,394,153 177,917,946

39 2,197,021 1,098,510 439,404 659,106 62,253,715 98,619,650 205,363,610

40 2,328,842 1,164,421 465,768 698,653 69,247,605 111,236,499 236,971,602

8
Type Description Amount/month Comments
Credit Card 25000 79200
Citi loan 14000
Mummy salary 22000
ACT 1200
Needs
Petrol 2000 During lockdown
Pocket money 5000
EB Bill 10000 Bi-monthly

Save for car 10000 RD for 24 months 20000

Save for eye 5000 RD for 12 months
Wants Shopping, 5000
restaurants, bday
gifts, etc.

Mark chit 3000 Till November

Mutual Funds 8000 Savings via 80C
PPF 1000 Savings via 80C 26350
Investments
NPS 2000 Savings via 80C
LIC 2350 Savings via 80C
Liquid cash 10000 For emergency

MF 96000
Annual PPF 12000
Investments NPS 24000
LIC 28200