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Annual (Rs.

Lakh) MUMBAI
Basic Salary 34
Dearness allowances 9
HRA 5
Special Allowances 0.9
Variable Salary(Bonus) 6.2
Total Salary Income 55.1
5510000
Taxable Income 5010000
Salary
Calculation of tax paid
upto 2 lacs 0 Calculation of exemption in HRA:
from 2 to 5 lacs @ 10% 30000 Actual HRA
5 lacs to 10 lacs @20% 100000 Rent paid-10%of salary
above 10 lacs @30% 1203000 4010000 50%of Basic salary
Total tax 1333000
After Tax return 4177000
Cash Outflows
Household expenses 1680000
Car EMI 234804
Insurance premium
Term Plan 20516
Endowment 80333
Health Insurance 27631
Total Outflows 2043284
SURPLUS 2133716
Monthly surplus 177809.7
Exemption of HRA will be minimum of the the three:
(in Rs)
5
17
Exemption of HRA will be minimum of the the three:
(Basic+DA+Commision)
Conservative Govt Sec 7%
Moderate Balanced 9%
Aggressive Equity 11%
Inflation 5.50%
AGGRESSIVE
YEARS TOTAL OUTLAY PRESENT VALUE YEARS
0 1030000 1030000 0
1 1030000 927927.93 1
2 1030000 835971.11 2
3 1030000 753127.12 3
3547026.157
753127.12
59284.53 0.008735
Corpus required to fulfill boarding fees
Investment to be made on yearly basis
Investment to be made on monthly basis
Corpus required to fulfill boarding fees
Investment to be made on yearly basis
Investment to be made on monthly basis
CONSERVATIVE
TOTAL OUTLAY PRESENT VALUE
1030000 1030000
1030000 962616.82
1030000 899641.89
1030000 840786.81
3733045.526
840786.81
67531.47 0.005654
Corpus required to fulfill boarding fees
Investment to be made on yearly basis
Investment to be made on monthly basis
Conservative Govt Sec 7%
Moderate Balanced 9%
Aggressive Equity 11%
Inflation 5.50%
AGGRESSIVE
Roshan Geet
Year Per year outlay Present Value Year Per year outlay
4 2600000 1712700.53 4 100000
5 2600000 1542973.45 5 100000
6 2600000 1390066.17 6 100000
7 2600000 1252311.87 7 100000
8 2600000 1128208.89
7026260.92
7253109.07
1540026.19
121227.52 0.008735 Investment to be made on monthly basis
Corpus required to fulfill boarding fees
Investment to be made on yearly basis
CONSERVATIVE
Roshan
Inflated Present Value Year Per year outlay Present Value
123882.4651 65873.09741 4 2600000 1983527.55
130696.0006 59345.13281 5 2600000 1853764.07
137884.2807 53464.08361 6 2600000 1732489.78
145467.9161 48165.84109 7 2600000 1619149.33
226848.1549 8 2600000 1513223.67
8702154.40
Corpus required to fulfill boarding fees
Investment to be made on yearly basis
Investment to be made on monthly basis
Geet
Year Per year outlay Inflated Present Value
4 100000 123882.4651 76289.52
5 100000 130696.0006 71298.62
6 100000 137884.2807 66634.22
7 100000 145467.9161 62274.97
276497.34
8978651.74
2022244.82
162425.43 0.005654
Current household expenses 140000
FV of expenses as on retirement date 347872.30
Post retirement investments 7%
Inflation rate 5.50%
Inflation Adjusted Rate 1.014218009
Inflation Adjusted Rate per month 0.001177182
Post retirement expenses curtailment 40%
Fv of post retirement expenses 208723.3804
Total corpus required 52790793.32
Monthly investment in equity 93381.98
Assumption: Post retirement expenses curtailment is assumed to be 40%.
Current cost of the house 7500000 8100000 7.50% 0.006045
Current value of the house 15
Loan taken 68069.74
Tenure
rate
EMI
Disbursement date
Current date
EMI paid
EMI due
Principal outstanding as on 1/4/13
Principal outstanding as on 1/4/14
Net cash inflow from sale of old house
Additional corpus required
Value as on today
EMI of required at old arrangement
Additional EMI commitment

Inflation 5.50%
Equity 11%
TRIP:
Current Cost of trip 1000000
Future Cost 1708144.46
Corpus required for the trip 601581.97
Investment to be made on yearly basis 35975.46
Investment to be made on monthly basis 2831.91 0.008735
MARRIAGE
ASSETS Rs. (in Lakh)
Equity MF 26.47
Balanced MF 9.78
Equity Shares 25.92
Gold Jewelry 2.17
Gold ETF 3.21
PPF A/C 7.87
Eq Linked savings scheme 15.75
Physical Gold 11.25
Car 7.5
Liquid Fund Scheme 5.25
Corporate Bonds 1.5
Bank Account 10325000
Total Monthly investment req
For Higher studies 121227.52
For trip 2831.91015 124059.4
For retirement planning 93381.9775
For marriage
For house
Total 217441.407
Current Surplus Cash 177809.667
53750.2367
(Maturing on 1st April 2019)
LIABILITIES Rs. (in Lakh)
Car Loan 6.61
Credit Card 0.72
Insurance Total Cover
Term plan 20516 80 lakhs
Endowment 80333 20lakhs
Health 27631 2policies/20 lakhs
(Taken on Aug 2012 @ 11.5% p.a. in monthly EMI for 4 years)
(Term of 15 years 15th Mar 2008)