Financial Goal Planner with Variable Asset Allocation

How To Use Financial Goal Planner with Variable Asset Allocation (Tutorial Video)



Financial Goal Planner with Variable Asset Allocation

1. Current monthly expenses that will persist in retirement  
2. Annual expenses that will persist in retirement  
3. Total average monthly expenses (annual/12) ₹ {{ retire.average[0] }}  
4. Inflation before retirement (%) %
5. Current age  
6. Age you wish to retire  
7. No of years you expect to live!  
8. Years to retirement {{ retire.yearsretire }}  
9. Monthly expenses in first year of retirement ₹ {{ retire.expretire[0] }}  
10. Years in retirement {{ retire.yearsinretire }}  
11. Inflation during retirement (%)  
12. Post-tax average return from retirement corpus (%)
Note: For now set it to a low number 		 
13. Total Corpus required ₹ {{ retire.totalcorpus[0] }}  
  Post-tax return (used for current and future investments)  
14. Post-tax return expected from equity investments % %
15. Post-tax return expected from current taxable fixed income %
Note: FD, debt fund etc. 		%
16. Rate of return expected from current tax-free fixed income %
Note: EPF + PPF + LIC 		%
  Present Value of investments   Future Value
17. Value of current equity invesments ₹ {{ retire.futureequity }}
18. Value of current taxable fixed income investments ₹ {{ retire.futureincome }}
19. Value of current tax-free fixed income investments ₹ {{ retire.futuretaxfree }}
20. Lump sum benefits expected at retirement ₹ {{ retire.futurelumpsum }}
21. Current monthly mandatory EPF contribution (employer+employee) ₹ {{ retire.futureepf }}
22. Annual increase in this contribution (be realistic) % %
23. Expected rate of return for EPF or NPS % %
Net Corpus to be accumulated ₹ {{ retire.netcorpus }}

Other Goals

Enter name of the goal for your reference
Years to goal (has to be before retirement)*
Present cost
Inflation (%)
Future Cost ₹ {{ others.futurecost1 }} ₹ {{ others.futurecost2 }} ₹ {{ others.futurecost3 }} ₹ {{ others.futurecost4 }} ₹ {{ others.futurecost5 }}
Amt invested so far in equity instrument
Amt invested so far in tax free fixed income instr.
Amt invested so far in taxable fixed income instr.
Post-tax return from equity instruments expected (%)
Return from tax-free fixed income instr. expected (%)
Post-tax return from taxable fixed income expected (%)
Equity allocation (%)
tax-free fixed income (%)
taxable fixed income (%) {{ others.taxableincome1 }} {{ others.taxableincome2 }} {{ others.taxableincome3 }} {{ others.taxableincome4 }} {{ others.taxableincome5 }}
Net rate of return (post-tax) (%) {{ others.netrate1 }} {{ others.netrate2 }} {{ others.netrate3 }} {{ others.netrate4 }} {{ others.netrate5 }}
Future value of curr. Inv. ₹ {{ others.futurevalcurr1 }} ₹ {{ others.futurevalcurr2 }} ₹ {{ others.futurevalcurr3 }} ₹ {{ others.futurevalcurr4 }} ₹ {{ others.futurevalcurr5 }}
Net Future Cost ₹ {{ others.netfutcost1 }} ₹ {{ others.netfutcost2 }} ₹ {{ others.netfutcost3 }} ₹ {{ others.netfutcost4 }} ₹ {{ others.netfutcost5 }}

Variable Asset Allocation


Use this sheet if you wish to change the asset allocation with age Fill the fields and the click the button below
Note: Please complete Retirement an Other Goals section first for fields to be visible
Choose Goal:
Annual increase in total monthly investment %
Annual increase in total monthly investment %
Annual increase in total monthly investment %
Annual increase in total monthly investment %
Annual increase in total monthly investment %
Annual increase in total monthly investment %
Initial Monthly investment required: ₹ {{ monthly_inv1[0] }}
Final Corpus: ₹ {{ corpus1[corpus1.length - 1] }}
Initial Monthly investment required: ₹ {{ monthly_inv2[0] }}
Final Corpus: ₹ {{ corpus2[corpus2.length - 1] }}
Initial Monthly investment required: ₹ {{ monthly_inv3[0] }}
Final Corpus: ₹ {{ corpus3[corpus3.length - 1] }}
Initial Monthly investment required: ₹ {{ monthly_inv4[0] }}
Final Corpus: ₹ {{ corpus4[corpus4.length - 1] }}
Initial Monthly investment required: ₹ {{ monthly_inv5[0] }}
Final Corpus: ₹ {{ corpus5[corpus5.length - 1] }}
Initial Monthly investment required: ₹ {{ monthly_inv6[0] }}
Final Corpus: ₹ {{ corpus6[corpus6.length - 1] }}
* The average of "net portfolio return" for each year of investing is used to calculate the "initial monthly investment required". This is an approximate estimate and therefore the "final corpus"calculated here will not match with "Net Future Cost" calculated in the "other goals" tab or the "Net Corpus to be accumulated" in the "Retirement" tab. The final corpus calculated here is about ~ 10% higher for short and medium term goals and less than that for long-term goals (>10 years)
Year of Investment Equity Allocation Taxable Fixed Income Tax free Fixed Income allocation Return from equity Post Tax return from Taxable fixed Return from tax free fixed income Net Portfolio return Approximate* Monthly investment required Year end Corpus value
{{ d.year }} {{ d.taxf_fix }}% {{ d.np }}% {{ d.monthly }} {{ d.corpus }}
Year of Investment Equity Allocation Taxable Fixed Income Tax free Fixed Income allocation Return from equity Post Tax return from Taxable fixed Return from tax free fied income Net Portfolio return Monthly nvestment required Year end Corpus value
{{ d.year }} {{ d.taxf_fix }}% {{ d.np }}% {{ d.monthly }} {{ d.corpus }}
Year of Investment Equity Allocation Taxable Fixed Income Tax free Fixed Income allocation Return from equity Post Tax return from Taxable fixed Return from tax free fied income Net Portfolio return Monthly nvestment required Year end Corpus value
{{ d.year }} {{ d.taxf_fix }}% {{ d.np }}% {{ d.monthly }} {{ d.corpus }}
Year of Investment Equity Allocation Taxable Fixed Income Tax free Fixed Income allocation Return from equity Post Tax return from Taxable fixed Return from tax free fied income Net Portfolio return Monthly nvestment required Year end Corpus value
{{ d.year }} {{ d.taxf_fix }}% {{ d.np }}% {{ d.monthly }} {{ d.corpus }}
Year of Investment Equity Allocation Taxable Fixed Income Tax free Fixed Income allocation Return from equity Post Tax return from Taxable fixed Return from tax free fied income Net Portfolio return Monthly nvestment required Year end Corpus value
{{ d.year }} {{ d.taxf_fix }}% {{ d.np }}% {{ d.monthly }} {{ d.corpus }}
Year of Investment Equity Allocation Taxable Fixed Income Tax free Fixed Income allocation Return from equity Post Tax return from Taxable fixed Return from tax free fied income Net Portfolio return Monthly nvestment required Year end Corpus value
{{ d.year }} {{ d.taxf_fix }}% {{ d.np }}% {{ d.monthly }} {{ d.corpus }}

Cash Flow


In this sheet, you can study the growth in income and the amount you need to invest. Results in this sheet are valid only if entries in grey cells are ALL current. Refer to text for more details
Note: Press calculate after completing asset allocation exercise for all goals
Financial Goals {{ goals[0] }} {{ goals[1] }} {{ goals[2] }} {{ goals[3] }} {{ goals[4] }} {{ goals[5] }} Total Investment Amount Required Monthly Salary take home (remove tax and total EPF/NPS contribution) Home loan EMI Average (annual/12) monthly expenses incl recurring expenses Total investment possible = investible surplus
Annual increase in total monthly investment (%) {{ cash.annual_increment1 }} {{ cash.annual_increment2 }} {{ cash.annual_increment3 }} {{ cash.annual_increment4 }} {{ cash.annual_increment5 }} {{ cash.annual_increment6 }}   Rate at which salary is expected to increase (%) Year Loan ends Rate of inflation (%)  
Year Life Events Investment Investment Investment Investment Investment Investment    
{{ cash.year }}   {{ monthly_inv_retire }} {{ monthly_inv_goal1 }} {{ monthly_inv_goal2 }} {{ monthly_inv_goal3 }} {{ monthly_inv_goal4 }} {{ monthly_inv_goal5 }} {{ monthly_inv_retire + monthly_inv_goal1 + monthly_inv_goal2 + monthly_inv_goal3 + monthly_inv_goal4 + monthly_inv_goal5 }} {{ cash.contribution - cash.loan_emi - cash.monthly_expense }}
{{ d.year }} {{ d.events }} {{ d.r_inv }} {{ d.g1 }} {{ d.g2 }} {{ d.g3 }} {{ d.g4 }} {{ d.g5 }} {{ d.total }} {{ d.cont }} {{ d.emi }} {{ d.exp }} {{ d.inv_poss }}

Disclaimer:
Please note that these calculators are for illustrations only and do not represent actual returns.
Stock Market does not have a fixed rate of return and it is not possible to predict the rate of return.