Assumptions

Increase in salary 6.0%

Inflation 5.00%
Increase in rent 5.5%
Current salary ₹ 6,378,197.33

Age Salary Rental Income Income from Investments Gross income

22 ₹ 850,000.00 ₹ 850,000.00
23 ₹ 922,250.00 ₹ 922,250.00
24 ₹ 1,000,641.25 ₹ 1,000,641.25
25 ₹ 1,085,695.76 ₹ 1,085,695.76
26 ₹ 1,177,979.90 ₹ 1,177,979.90
27 ₹ 1,533,729.82 ₹ 1,533,729.82
28 ₹ 1,664,096.86 ₹ 1,664,096.86
29 ₹ 1,805,545.09 ₹ 1,805,545.09
30 ₹ 1,959,016.42 ₹ 1,959,016.42
31 ₹ 2,550,639.39 ₹ 2,550,639.39
32 ₹ 2,767,443.73 ₹ 2,767,443.73
33 ₹ 3,002,676.45 ₹ 3,002,676.45
34 ₹ 3,257,903.95 ₹ 3,257,903.95
35 ₹ 3,534,825.78 ₹ 1,800,000.00 ₹ 5,334,825.78
36 ₹ 3,835,285.98 ₹ 1,899,000.00 ₹ 5,734,285.98
37 ₹ 4,161,285.28 ₹ 2,003,445.00 ₹ 6,164,730.28
38 ₹ 4,514,994.53 ₹ 2,113,634.48 ₹ 6,628,629.01
39 ₹ 5,878,522.88 ₹ 2,229,884.37 ₹ 8,108,407.25
40 ₹ 6,378,197.33 ₹ 2,352,528.01 ₹ 8,730,725.34
41 ₹ 6,760,889.17 ₹ 2,481,917.05 ₹ 9,242,806.22
42 ₹ 7,166,542.52 ₹ 2,618,422.49 ₹ 9,784,965.01
43 ₹ 7,596,535.07 ₹ 2,762,435.73 ₹ 10,358,970.79
44 ₹ 8,052,327.17 ₹ 2,914,369.69 ₹ 10,966,696.86
45 ₹ 8,535,466.80 ₹ 3,074,660.03 ₹ 11,610,126.83
46 ₹ 9,047,594.81 ₹ 3,243,766.33 ₹ 12,291,361.14
47 ₹ 9,590,450.50 ₹ 3,422,173.47 ₹ 13,012,623.97
48 ₹ 10,165,877.53 ₹ 3,610,393.02 ₹ 13,776,270.54
49 ₹ 10,775,830.18 ₹ 3,808,964.63 ₹ 14,584,794.81
50 ₹ 11,422,379.99 ₹ 4,018,457.69 ₹ 15,440,837.68
51 ₹ 12,107,722.79 ₹ 4,239,472.86 ₹ 16,347,195.65
52 ₹ 12,834,186.16 ₹ 4,472,643.87 ₹ 17,306,830.02
53 ₹ 13,604,237.33 ₹ 4,718,639.28 ₹ 18,322,876.61
54 ₹ 14,420,491.57 ₹ 4,978,164.44 ₹ 19,398,656.01
55 ₹ 15,285,721.06 ₹ 5,251,963.48 ₹ 54,382,210.91 ₹ 74,919,895.45
56 ₹ 16,202,864.32 ₹ 5,540,821.47 ₹ 21,743,685.80
57 ₹ 17,175,036.18 ₹ 5,845,566.66 ₹ 23,020,602.84
58 ₹ 18,205,538.35 ₹ 6,167,072.82 ₹ 24,372,611.18
59 ₹ 19,297,870.66 ₹ 6,506,261.83 ₹ 25,804,132.48
60 ₹ 20,455,742.90 ₹ 6,864,106.23 ₹ 27,319,849.12
61 ₹ 21,683,087.47 ₹ 7,241,632.07 ₹ 28,924,719.54
62 ₹ 22,984,072.72 ₹ 7,639,921.83 ₹ 30,623,994.55
63 ₹ 24,363,117.08 ₹ 8,060,117.53 ₹ 32,423,234.61
64 ₹ 25,824,904.10 ₹ 8,503,424.00 ₹ 34,328,328.10
65 ₹ 27,374,398.35 ₹ 8,971,112.32 ₹ 36,345,510.67
66 ₹ - ₹ 9,464,523.50 ₹ 9,464,523.50
67 ₹ - ₹ 9,985,072.29 ₹ 9,985,072.29
68 ₹ - ₹ 10,534,251.26 ₹ 10,534,251.26
69 ₹ - ₹ 11,113,635.08 ₹ 11,113,635.08
70 ₹ - ₹ 11,724,885.01 ₹ 11,724,885.01
71 ₹ - ₹ 12,369,753.69 ₹ 12,369,753.69
72 ₹ - ₹ 13,050,090.14 ₹ 13,050,090.14
73 ₹ - ₹ 13,767,845.10 ₹ 13,767,845.10
74 ₹ - ₹ 14,525,076.58 ₹ 14,525,076.58
75 ₹ - ₹ 15,323,955.79 ₹ 15,323,955.79
76 ₹ - ₹ 16,166,773.36 ₹ 16,166,773.36
77 ₹ - ₹ 17,055,945.90 ₹ 17,055,945.90
78 ₹ - ₹ 17,994,022.92 ₹ 17,994,022.92
79 ₹ - ₹ 18,983,694.18 ₹ 18,983,694.18
80 ₹ - ₹ 20,027,797.36 ₹ 20,027,797.36
 Expenses Before Retirement

household expenses electricity house help food and entertainment

22 ₹ 120,000.00
23 ₹ 126,000.00
24 ₹ 132,300.00
25 ₹ 138,915.00
26 ₹ 145,860.75
27 ₹ 153,153.79
28 ₹ 160,811.48
29 ₹ 168,852.05
30 ₹ 68,326.40 ₹ 13,665.28 ₹ 16,398.34 ₹ 177,294.65
31 ₹ 111,296.51 ₹ 22,259.30 ₹ 26,711.16 ₹ 186,159.39
32 ₹ 172,657.41 ₹ 34,531.48 ₹ 41,437.78 ₹ 195,467.36
33 ₹ 255,093.64 ₹ 51,018.73 ₹ 61,222.47 ₹ 205,240.72
34 ₹ 358,942.36 ₹ 71,788.47 ₹ 86,146.17 ₹ 215,502.76
35 ₹ 481,017.10 ₹ 96,203.42 ₹ 115,444.10 ₹ 226,277.90
36 ₹ 613,913.25 ₹ 122,782.65 ₹ 147,339.18 ₹ 237,591.79
37 ₹ 746,215.40 ₹ 149,243.08 ₹ 179,091.70 ₹ 249,471.38
38 ₹ 863,837.60 ₹ 172,767.52 ₹ 207,321.02 ₹ 261,944.95
39 ₹ 952,380.95 ₹ 190,476.19 ₹ 228,571.43 ₹ 275,042.20
40 ₹ 1,000,000.00 ₹ 200,000.00 ₹ 240,000.00 ₹ 300,000.00
41 ₹ 1,050,000.00 ₹ 210,000.00 ₹ 252,000.00 ₹ 315,000.00
42 ₹ 1,102,500.00 ₹ 220,500.00 ₹ 264,600.00 ₹ 330,750.00
43 ₹ 1,157,625.00 ₹ 231,525.00 ₹ 277,830.00 ₹ 347,287.50
44 ₹ 1,215,506.25 ₹ 243,101.25 ₹ 291,721.50 ₹ 364,651.88
45 ₹ 1,276,281.56 ₹ 255,256.31 ₹ 306,307.58 ₹ 382,884.47
46 ₹ 1,340,095.64 ₹ 268,019.13 ₹ 321,622.95 ₹ 402,028.69
47 ₹ 1,407,100.42 ₹ 281,420.08 ₹ 337,704.10 ₹ 422,130.13
48 ₹ 1,477,455.44 ₹ 295,491.09 ₹ 354,589.31 ₹ 443,236.63
49 ₹ 1,551,328.22 ₹ 310,265.64 ₹ 372,318.77 ₹ 465,398.46
50 ₹ 1,628,894.63 ₹ 325,778.93 ₹ 390,934.71 ₹ 488,668.39
51 ₹ 1,710,339.36 ₹ 342,067.87 ₹ 410,481.45 ₹ 513,101.81
52 ₹ 1,795,856.33 ₹ 359,171.27 ₹ 431,005.52 ₹ 538,756.90
53 ₹ 1,885,649.14 ₹ 377,129.83 ₹ 452,555.79 ₹ 565,694.74
54 ₹ 1,979,931.60 ₹ 395,986.32 ₹ 475,183.58 ₹ 593,979.48
55 ₹ 2,078,928.18 ₹ 415,785.64 ₹ 498,942.76 ₹ 623,678.45
56 ₹ 900,000.00 ₹ 180,000.00 ₹ 523,889.90 ₹ 350,000.00
57 ₹ 945,000.00 ₹ 189,000.00 ₹ 707,584.40 ₹ 367,500.00
58 ₹ 992,250.00 ₹ 198,450.00 ₹ 742,963.62 ₹ 385,875.00
59 ₹ 1,041,862.50 ₹ 208,372.50 ₹ 780,111.80 ₹ 405,168.75
60 ₹ 1,093,955.63 ₹ 218,791.13 ₹ 819,117.39 ₹ 425,427.19
61 ₹ 1,148,653.41 ₹ 229,730.68 ₹ 860,073.26 ₹ 446,698.55
62 ₹ 1,206,086.08 ₹ 241,217.22 ₹ 903,076.92 ₹ 469,033.47
63 ₹ 1,266,390.38 ₹ 253,278.08 ₹ 948,230.76 ₹ 492,485.15
64 ₹ 1,329,709.90 ₹ 265,941.98 ₹ 995,642.30 ₹ 517,109.41
65 ₹ 1,396,195.39 ₹ 279,239.08 ₹ 1,045,424.42 ₹ 542,964.88

Expenses Post Retirement

household expenses electricity house help food and entertainment

66 ₹ 1,466,005.16 ₹ 293,201.03 ₹ 1,097,695.64 ₹ 300,000.00
67 ₹ 1,539,305.42 ₹ 307,861.08 ₹ 1,152,580.42 ₹ 315,000.00
68 ₹ 1,616,270.69 ₹ 323,254.14 ₹ 1,210,209.44 ₹ 330,750.00
69 ₹ 1,697,084.23 ₹ 339,416.85 ₹ 1,270,719.91 ₹ 347,287.50
70 ₹ 1,781,938.44 ₹ 356,387.69 ₹ 1,334,255.91 ₹ 364,651.88
71 ₹ 1,871,035.36 ₹ 374,207.07 ₹ 1,400,968.71 ₹ 382,884.47
72 ₹ 1,964,587.13 ₹ 392,917.43 ₹ 1,471,017.14 ₹ 402,028.69
73 ₹ 2,062,816.49 ₹ 412,563.30 ₹ 1,544,568.00 ₹ 422,130.13
74 ₹ 2,165,957.31 ₹ 433,191.46 ₹ 1,621,796.40 ₹ 443,236.63
75 ₹ 2,274,255.18 ₹ 454,851.04 ₹ 1,702,886.22 ₹ 465,398.46
76 ₹ 2,387,967.93 ₹ 477,593.59 ₹ 1,788,030.53 ₹ 488,668.39
77 ₹ 2,507,366.33 ₹ 501,473.27 ₹ 1,877,432.05 ₹ 513,101.81
78 ₹ 2,632,734.65 ₹ 526,546.93 ₹ 1,971,303.66 ₹ 538,756.90
79 ₹ 2,764,371.38 ₹ 552,874.28 ₹ 2,069,868.84 ₹ 565,694.74
80 ₹ 2,902,589.95 ₹ 580,517.99 ₹ 2,173,362.28 ₹ 593,979.48
Investment in ppf Other investmets Retirement fund Savings
₹ 102,000.00 ₹ 628,000.00
₹ 110,670.00 ₹ 670,580.00
₹ 120,076.95 ₹ 512,514.30
₹ 130,283.49 ₹ 609,963.01
₹ 141,357.59 ₹ 667,250.70
₹ 184,047.58 ₹ 759,893.14
₹ 199,691.62 ₹ 993,232.59
₹ 216,665.41 ₹ 1,003,955.80
₹ 235,081.97 ₹ 845,540.84
₹ 306,076.73 ₹ (262,235.47)
₹ 332,093.25 ₹ (215,695.00)
₹ 360,321.17 ₹ (287,769.55)
₹ 390,948.47 ₹ (377,888.89)
₹ 424,179.09 ₹ 1,232,601.19
₹ 460,234.32 ₹ 1,091,811.50
₹ 499,354.23 ₹ 111,698.31
₹ 541,799.34 ₹ 1,075.18
₹ 705,422.75 ₹ 1,106,562.42
₹ 765,383.68 ₹ 1,123,907.44 ₹ 292,200.06
₹ 811,306.70 ₹ 470,320.03 ₹ 1,205,054.86
₹ 859,985.10 ₹ 470,320.03 ₹ 1,430,307.32
₹ 911,584.21 ₹ 470,320.03 ₹ 1,622,520.65
₹ 966,279.26 ₹ 470,320.03 ₹ 3,079,945.05
₹ 1,024,256.02 ₹ 470,320.03 ₹ 3,384,247.37
₹ 1,085,711.38 ₹ 470,320.03 ₹ 2,096,741.63
₹ 1,150,854.06 ₹ 470,320.03 ₹ 2,383,550.31
₹ 1,219,905.30 ₹ 470,320.03 ₹ 2,515,762.48
₹ 1,293,099.62 ₹ 470,320.03 ₹ 2,939,743.43
₹ 1,370,685.60 ₹ 2,651,694.77 ₹ 470,320.03 ₹ (5,268,478.07)
₹ 1,452,926.73 ₹ 205,241.47 ₹ 470,320.03 Err:523
₹ 1,540,102.34 ₹ 205,241.47 ₹ 470,320.03 ₹ 4,329,479.89
₹ 1,632,508.48 ₹ 205,241.47 ₹ 470,320.03 ₹ 4,854,356.99
₹ 1,730,458.99 ₹ 205,241.47 ₹ 470,320.03 ₹ 5,411,614.70
₹ 1,834,286.53 ₹ 205,241.47 ₹ 470,320.03 ₹ 10,696,877.33
₹ 1,944,343.72 ₹ 205,241.47 ₹ 470,320.03 ₹ 8,557,423.97
₹ 2,061,004.34 ₹ 205,241.47 ₹ 470,320.03 ₹ 9,170,512.95
₹ 2,184,664.60 ₹ 205,241.47 ₹ 470,320.03 ₹ 9,971,981.04
₹ 2,315,744.48 ₹ 205,241.47 ₹ 470,320.03 ₹ 10,821,704.67
₹ 2,454,689.15 ₹ 205,241.47 ₹ 470,320.03 ₹ 4,103,533.63
₹ 2,601,970.50 ₹ 205,241.47 ₹ 470,320.03 ₹ 16,169,886.84
₹ 2,758,088.73 ₹ 205,241.47 ₹ 470,320.03 ₹ 17,190,177.16
₹ 2,923,574.05 ₹ 205,241.47 ₹ 470,320.03 ₹ 18,271,781.89
₹ 3,098,988.49 ₹ 205,241.47 ₹ 470,320.03 ₹ 19,418,376.92
₹ 3,284,927.80 ₹ 205,241.47 ₹ 470,320.03 ₹ 20,633,858.12
₹ - ₹ 4,968,269.53
₹ - ₹ 5,279,005.62
₹ - ₹ 5,607,881.27
₹ - ₹ 5,955,946.59
₹ - ₹ (3,675,687.91)
₹ - ₹ 6,714,152.12
₹ - ₹ 7,126,708.50
₹ - ₹ 7,563,294.37
₹ - ₹ 8,025,298.32
₹ - ₹ 8,514,188.61
₹ - ₹ 9,031,517.82
₹ - ₹ 9,578,927.58
₹ - ₹ 10,158,153.69
₹ - ₹ 10,771,031.49
₹ - ₹ 11,419,501.53
 travelling interest on car loan mortgage school fees tuition fees college medical

₹ 1,370.56
₹ 1,446,211.55 ₹ 2,232.50
₹ 1,446,211.55 ₹ 3,463.34
₹ 1,446,211.55 ₹ 100,000.00 ₹ 5,116.92
₹ 1,446,211.55 ₹ 100,000.00 ₹ 7,200.02
₹ 1,446,211.55 ₹ 72,152.56 ₹ 9,648.72
₹ 1,446,211.55 ₹ 92,086.99 ₹ 12,314.49
₹ 89,545.85 ₹ 1,172,215.33 ₹ 1,446,211.55 ₹ 111,932.31 ₹ 14,968.33
₹ 103,660.51 ₹ 1,172,215.33 ₹ 1,446,211.55 ₹ 129,575.64 ₹ 17,327.72
₹ 114,285.71 ₹ 1,172,215.33 ₹ 1,446,211.55 ₹ 142,857.14 ₹ 19,103.81
₹ 120,000.00 ₹ 1,172,215.33 ₹ 1,446,211.55 ₹ 150,000.00 ₹ - ₹ 20,059.00
₹ 126,000.00 ₹ 1,172,215.33 ₹ 1,446,211.55 ₹ 160,500.00 ₹ - ₹ 21,061.95
₹ 132,300.00 ₹ 1,172,215.33 ₹ 1,446,211.55 ₹ 171,735.00 ₹ 50,000.00 ₹ 22,115.05
₹ 138,915.00 ₹ 1,172,215.33 ₹ 1,446,211.55 ₹ 183,756.45 ₹ 50,000.00 ₹ 23,220.80
₹ 145,860.75 ₹ 0.00 ₹ 1,446,211.55 ₹ 196,619.40 ₹ 175,000.00 ₹ 24,381.84
₹ 153,153.79 ₹ 0.00 ₹ 1,446,211.55 ₹ 210,382.76 ₹ 200,000.00 ₹ 25,600.93
₹ 160,811.48 ₹ 0.00 ₹ 3,504,886.35 ₹ - ₹ - ₹ 3,500.00 ₹ 26,880.98
₹ 168,852.05 ₹ 3,504,886.35 ₹ - ₹ 100,000.00 ₹ 3,500.00 ₹ 28,225.03
₹ 177,294.65 ₹ 3,504,886.35 ₹ - ₹ - ₹ 340,000.00 ₹ 29,636.28
₹ 186,159.39 ₹ 3,504,886.35 ₹ - ₹ - ₹ 350,000.00 ₹ 31,118.09
₹ 195,467.36 ₹ 3,504,886.35 ₹ - ₹ - ₹ 360,000.00 ₹ 40,000.00
₹ 205,240.72 ₹ 3,504,886.35 ₹ - ₹ - ₹ 42,000.00
₹ 215,502.76 ₹ 3,504,886.35 ₹ - ₹ - ₹ 44,100.00
₹ 226,277.90 ₹ 3,504,886.35 ₹ - ₹ - ₹ 46,305.00
₹ 237,591.79 ₹ 3,504,886.35 ₹ - ₹ - ₹ 48,620.25
₹ 249,471.38 ₹ 3,504,886.35 ₹ - ₹ - ₹ 51,051.26
₹ 150,000.00 ₹ 3,504,886.35 ₹ - ₹ - ₹ 53,603.83
₹ 157,500.00 ₹ 3,504,886.35 ₹ - ₹ - ₹ 56,284.02
₹ 165,375.00 ₹ 3,504,886.35 ₹ - ₹ - ₹ 59,098.22
₹ 173,643.75 ₹ 3,504,886.35 ₹ - ₹ - ₹ 62,053.13
₹ 182,325.94 ₹ 3,504,886.35 ₹ - ₹ - ₹ 65,155.79
₹ 191,442.23 ₹ 0.00 ₹ - ₹ - ₹ 68,413.57
₹ 201,014.35 ₹ 0.00 ₹ - ₹ - ₹ 71,834.25
₹ 211,065.06 ₹ 0.00 ₹ 0.00 ₹ - ₹ - ₹ 75,425.97
₹ 221,618.32 ₹ 0.00 ₹ 0.00 ₹ - ₹ - ₹ 79,197.26
₹ 232,699.23 ₹ 0.00 ₹ 0.00 ₹ - ₹ - ₹ 83,157.13

travelling interest on car loan mortgage school fees tuition fees college medical
₹ 244,334.19 ₹ 0.00 ₹ 0.00 ₹ - ₹ - ₹ 100,000.00
₹ 256,550.90 ₹ 0.00 ₹ 0.00 ₹ - ₹ - ₹ 105,000.00
₹ 269,378.45 ₹ 0.00 ₹ 0.00 ₹ - ₹ - ₹ 110,250.00
₹ 282,847.37 ₹ 0.00 ₹ 0.00 ₹ - ₹ - ₹ 115,762.50
₹ 296,989.74 ₹ 0.00 ₹ 0.00 ₹ - ₹ - ₹ 121,550.63
₹ 311,839.23 ₹ 0.00 ₹ 0.00 ₹ - ₹ - ₹ 127,628.16
₹ 327,431.19 ₹ 0.00 ₹ 0.00 ₹ - ₹ - ₹ 134,009.56
₹ 343,802.75 ₹ 0.00 ₹ 0.00 ₹ - ₹ - ₹ 140,710.04
₹ 360,992.89 ₹ 0.00 ₹ 0.00 ₹ - ₹ - ₹ 147,745.54
₹ 379,042.53 ₹ 0.00 ₹ 0.00 ₹ - ₹ - ₹ 155,132.82
₹ 397,994.66 ₹ 0.00 ₹ 0.00 ₹ - ₹ - ₹ 162,889.46
₹ 417,894.39 ₹ 0.00 ₹ 0.00 ₹ - ₹ - ₹ 171,033.94
₹ 438,789.11 ₹ 0.00 ₹ 0.00 ₹ - ₹ - ₹ 179,585.63
₹ 460,728.56 ₹ 0.00 ₹ 0.00 ₹ - ₹ - ₹ 188,564.91
₹ 483,764.99 ₹ 0.00 ₹ 0.00 ₹ - ₹ - ₹ 197,993.16
insurance premium maintenance vacation alimony gym memebership one time expense total expense
₹ 120,000.00
15000 ₹ 141,000.00
120000 15750 100000 ₹ 368,050.00
₹ 189,996.76 16537.5 ₹ 345,449.26
₹ 206,146.48 17364.375 ₹ 369,371.61
150000 ₹ 268,402.72 18232.59375 ₹ 589,789.10
₹ 291,216.95 19144.2234375 ₹ 471,172.65
80000 ₹ 315,970.39 20101.434609375 ₹ 584,923.88
₹ 117,404.00 120000 ₹ 342,827.87 21106.5063398438 ₹ 878,393.61
₹ 117,404.00 ₹ 126,000.00 ₹ 446,361.89 22161.8316568359 ₹ 2,506,798.13
₹ 117,404.00 ₹ 132,300.00 ₹ 484,302.65 23269.9232396777 ₹ 2,651,045.49
₹ 117,404.00 ₹ 138,915.00 ₹ 525,468.38 24433.4194016616 ₹ 2,930,124.83
₹ 117,404.00 ₹ 145,860.75 100000 ₹ 570,133.19 25655.0903717447 ₹ 3,244,844.37
₹ 117,404.00 ₹ 153,153.79 ₹ 933,594.51 26937.8448903319 ₹ 3,678,045.50
₹ 117,404.00 ₹ 160,811.48 200000 ₹ 1,003,500.05 28284.7371348485 ₹ 4,182,240.16
₹ 117,404.00 ₹ 168,852.05 ₹ 1,078,827.80 29698.973991591 ₹ 5,553,677.74
₹ 117,404.00 ₹ 177,294.65 225000 ₹ 1,160,010.08 31183.9226911705 ₹ 6,085,754.49
₹ 117,404.00 ₹ 186,159.39 ₹ 1,418,971.27 32743.118825729 ₹ 6,296,422.08
₹ 117,404.00 ₹ 195,467.36 ₹ - ₹ 1,527,876.93 ₹ 60,000.00 ₹ 6,549,234.16
₹ 117,404.00 ₹ 205,240.72 ₹ - ₹ 1,617,491.09 ₹ 63,000.00 ₹ 6,756,124.63
₹ 117,404.00 ₹ 215,502.76 ₹ - ₹ 1,712,368.88 ₹ 66,150.00 ₹ 7,024,352.56
₹ 117,404.00 ₹ 226,277.90 ₹ 100,000.00 ₹ 1,812,819.89 ₹ 69,457.50 ₹ 7,354,545.91
₹ 117,404.00 ₹ 237,591.79 ₹ - ₹ 1,919,171.95 ₹ 72,930.38 ₹ 6,450,152.53
₹ 117,404.00 ₹ 249,471.38 ₹ - ₹ 2,031,772.19 ₹ 76,576.89 ₹ 6,731,303.41
₹ 117,404.00 ₹ 261,944.95 ₹ - ₹ 2,150,988.20 ₹ 80,405.74 ₹ 8,638,588.11
₹ 117,404.00 ₹ 275,042.20 ₹ - ₹ 2,277,209.20 ₹ 84,426.03 ₹ 9,007,899.58
₹ 117,404.00 ₹ 288,794.31 ₹ - ₹ 2,410,847.35 ₹ 130,647.33 ₹ 9,570,282.73
₹ 117,404.00 ₹ 303,234.02 ₹ - ₹ 2,552,339.09 ₹ 137,179.69 ₹ 9,881,631.73
₹ 117,404.00 ₹ 318,395.72 ₹ - ₹ 2,702,146.59 ₹ 144,038.68 ₹ 6,000,000.00 ₹ 16,216,615.35
₹ 117,404.00 ₹ 334,315.51 Err:523 ₹ 2,860,759.24 ₹ 151,240.61 Err:523
₹ 117,404.00 ₹ 351,031.29 ₹ 216,473.99 ₹ 3,028,695.25 ₹ 158,802.64 ₹ 10,761,686.29
₹ 117,404.00 ₹ 368,582.85 ₹ 242,717.85 ₹ 3,206,503.41 ₹ 166,742.77 ₹ 11,160,449.63
₹ 117,404.00 ₹ 387,011.99 ₹ 270,580.74 ₹ 3,394,764.80 ₹ 175,079.91 ₹ 11,581,020.82
₹ 117,404.00 ₹ 406,362.59 ₹ 534,843.87 ₹ 13,110,981.70 ₹ 120,833.91 ₹ 40,000,000.00 ₹ 61,713,170.10
₹ 117,404.00 ₹ 426,680.72 ₹ 427,871.20 ₹ 3,805,145.01 ₹ 126,875.60 ₹ 10,566,356.61
₹ 117,404.00 ₹ 448,014.76 ₹ 458,525.65 ₹ 4,028,605.50 ₹ 133,219.38 ₹ 11,113,524.05
₹ 117,404.00 ₹ 470,415.50 ₹ 498,599.05 ₹ 4,265,206.96 ₹ 139,880.35 ₹ 11,540,404.04
₹ 117,404.00 ₹ 493,936.27 ₹ 541,085.23 ₹ 4,515,723.18 ₹ 146,874.37 ₹ 11,991,121.83
₹ 117,404.00 ₹ 518,633.09 ₹ 205,176.68 ₹ 4,780,973.60 ₹ 154,218.09 ₹ 8,000,000.00 ₹ 20,086,064.85
₹ 117,404.00 ₹ 544,564.74 ₹ 808,494.34 ₹ 5,061,825.92 ₹ - ₹ 9,477,300.70
₹ 117,404.00 ₹ 571,792.98 ₹ 859,508.86 ₹ 5,359,199.05 ₹ - ₹ 10,000,167.16
₹ 117,404.00 ₹ 600,382.63 ₹ 913,589.09 ₹ 5,674,066.06 ₹ - ₹ 10,552,317.18
₹ 117,404.00 ₹ 630,401.76 ₹ 970,918.85 ₹ 6,007,457.42 ₹ - ₹ 11,135,401.19
₹ 117,404.00 ₹ 661,921.84 ₹ 1,031,692.91 ₹ 6,360,464.37 ₹ - ₹ 11,751,163.24

insurance premium maintenance vacation Alimony charity One time expense total expense
₹ - ₹ 695,017.94 ₹ - ₹ - ₹ 300,000.00 ₹ 4,496,253.97
₹ - ₹ 729,768.83 ₹ - ₹ - ₹ 300,000.00 ₹ 4,706,066.66
₹ - ₹ 766,257.27 ₹ - ₹ - ₹ 300,000.00 ₹ 4,926,370.00
₹ - ₹ 804,570.14 ₹ - ₹ - ₹ 300,000.00 ₹ 5,157,688.50
₹ - ₹ 844,798.65 ₹ - ₹ - ₹ 300,000.00 ₹ 10,000,000.00 ₹ 15,400,572.92
₹ - ₹ 887,038.58 ₹ - ₹ - ₹ 300,000.00 ₹ 5,655,601.57
₹ - ₹ 931,390.51 ₹ - ₹ - ₹ 300,000.00 ₹ 5,923,381.65
₹ - ₹ 977,960.03 ₹ - ₹ - ₹ 300,000.00 ₹ 6,204,550.73
₹ - ₹ 1,026,858.03 ₹ - ₹ - ₹ 300,000.00 ₹ 6,499,778.27
₹ - ₹ 1,078,200.94 ₹ - ₹ - ₹ 300,000.00 ₹ 6,809,767.18
₹ - ₹ 1,132,110.98 ₹ - ₹ - ₹ 300,000.00 ₹ 7,135,255.54
₹ - ₹ 1,188,716.53 ₹ - ₹ - ₹ 300,000.00 ₹ 7,477,018.32
₹ - ₹ 1,248,152.36 ₹ - ₹ - ₹ 300,000.00 ₹ 7,835,869.23
₹ - ₹ 1,310,559.98 ₹ - ₹ - ₹ 300,000.00 ₹ 8,212,662.69
₹ - ₹ 1,376,087.97 ₹ - ₹ - ₹ 300,000.00 ₹ 8,608,295.83
 pv of CF
$ 4,282,146.63
$ 4,268,541.19
$ 4,255,583.63
$ 4,243,243.09
$ 12,066,751.86
$ 4,220,296.97
$ 4,209,636.75
$ 4,199,484.16
$ 4,189,815.02
$ 4,180,606.32
$ 4,171,836.14
$ 4,163,483.57
$ 4,155,528.75
$ 4,147,952.73
$ 4,140,737.48

$ 70,895,644.31
 Increase in salary 8.50%
Promotion 20.00%
Initial salary ₹ 850,000.00

Year Age Yearly salary

2003 22 ₹ 850,000.00 analyst
2004 23 ₹ 922,250.00
2005 24 ₹ 1,000,641.25
2006 25 ₹ 1,085,695.76
2007 26 ₹ 1,177,979.90
2008 27 ₹ 1,533,729.82 senior analyst 20
2009 28 ₹ 1,664,096.86
2010 29 ₹ 1,805,545.09
2011 30 ₹ 1,959,016.42
2012 31 ₹ 2,550,639.39 head of Finance 20
2013 32 ₹ 2,767,443.73
2014 33 ₹ 3,002,676.45
2015 34 ₹ 3,257,903.95
2016 35 ₹ 3,534,825.78
2017 36 ₹ 3,835,285.98
2018 37 ₹ 4,161,285.28
2019 38 ₹ 4,514,994.53
2020 39 ₹ 5,878,522.88 Director 20
2021 40 ₹ 6,378,197.33
 Age Years to goal Goal Cost
1 45 5 New house ₹ 45,000,000.00
2 48 8 Daughter's education ₹ 1,601,845.46
3 50 10 New car ₹ 6,000,000.00
4 55 15 Daughter's marriage ₹ 40,000,000.00
5 60 20 Car gift to daughter ₹ 7,000,000.00
6 65 25 Retirement house in Dehradun ₹ 52,300,813.89
7 65 25 Retirement corpus ₹ -
8 70 30 Donation in temple ₹ 10,000,000.00
Priority
4
1
5
2
6
7
3
8
Current Asset Allocation

Debt 55%
Equity 40%
Cash 5% Debt
Equity
Cash

PPF
amount invested in ppf 12%
rate of return 8.70%

Age Salary Amount invested in PPF Return

22 ₹ 850,000.00 102000 4005900.07228818
23 ₹ 922,250.00 110670 3998529.51097762
24 ₹ 1,000,641.25 120076.95 3991172.51095742
25 ₹ 1,085,695.76 130283.49075 3983829.04727581
26 ₹ 1,177,979.90 141357.58746375 3976499.09502691
27 ₹ 1,533,729.82 184047.578877802 4763019.15522082
28 ₹ 1,664,096.86 199691.623082416 4754255.5505194
29 ₹ 1,805,545.09 216665.411044421 4745508.07020566
30 ₹ 1,959,016.42 235081.970983197 4736776.68461191
31 ₹ 2,550,639.39 306076.726220122 5673673.63695005
32 ₹ 2,767,443.73 332093.247948833 5663234.49502374
33 ₹ 3,002,676.45 360321.174024483 5652814.56035028
34 ₹ 3,257,903.95 390948.473816564 5642413.79758975
35 ₹ 3,534,825.78 424179.094090972 5632032.17146723
36 ₹ 3,835,285.98 460234.317088705 5621669.64677272
37 ₹ 4,161,285.28 499354.234041245 5611326.18836099
38 ₹ 4,514,994.53 541799.343934751 5601001.76115149
39 ₹ 5,878,522.88 705422.745803045 6708835.59615386
40 ₹ 6,378,197.33 765383.679196304 6696491.83240749
41 ₹ 6,760,889.17 811306.699948083 6530157.62865863
42 ₹ 7,166,542.52 859985.101944968 6367955.00126785
43 ₹ 7,596,535.07 911584.208061666 6209781.32598337
44 ₹ 8,052,327.17 966279.260545366 6055536.52763788
45 ₹ 8,535,466.80 1024256.01617809 5905123.01683178
46 ₹ 9,047,594.81 1085711.37714877 5758445.62818923
47 ₹ 9,590,450.50 1150854.0597777 5615411.56014773
48 ₹ 10,165,877.53 1219905.30336436 5475930.31624342
49 ₹ 10,775,830.18 1293099.62156622 5339913.64785467
50 ₹ 11,422,379.99 1370685.5988602 5207275.49836794
51 ₹ 12,107,722.79 1452926.73479181 5077931.94873046
52 ₹ 12,834,186.16 1540102.33887932 4951801.16435537
53 ₹ 13,604,237.33 1632508.47921208 4828803.34334563
54 ₹ 14,420,491.57 1730458.9879648 4708860.66600402
55 ₹ 15,285,721.06 1834286.52724269 4591897.24559729
56 ₹ 16,202,864.32 1944343.71887725 4477839.08034327
57 ₹ 17,175,036.18 2061004.34200989 4366614.00659049
58 ₹ 18,205,538.35 2184664.60253048 4258151.65316092
59 ₹ 19,297,870.66 2315744.47868231 4152383.39682666
60 ₹ 20,455,742.90 2454689.14740325 4049242.3188926
61 ₹ 21,683,087.47 2601970.49624744 3948663.16285755
62 ₹ 22,984,072.72 2758088.72602229 3850582.29312696
63 ₹ 24,363,117.08 2923574.04958363 3754937.65475122
64 ₹ 25,824,904.10 3098988.49255864 3661668.73416402
65 ₹ 27,374,398.35 3284927.80211216 3570716.52089592
$ 220,174,606.72
 Recommended Asset Allocation

Debt 25%
Equity 70%
Cash 5% Debt
Equity
Cash

Debt Allocation Returns

Axis Banking and PSU Growth Fund 33.33% 8.51%
ICICI Prudential Long term Bond Fund 33.33% 8.96%
BHARAT Bond FoF Direct Plan Growth 33.33% 8.83%
https://www.moneycontrol.com/mutual-funds/nav/axis-banki
https://www.moneycontrol.com/mutual-funds/nav/icici-pru
Equity https://www.moneycontrol.com/mutual-funds/nav/bharat-bo
Nippon India Nifty BeES 70% 21%
Axis Bluechip Fund Direct Plan Growth 30% 16.80%
mutual-funds/nav/axis-banking-psu-debt-fund-regular-plan/MAA165
/mutual-funds/nav/icici-prudential-long-term-bond-fund/MPI005
mutual-funds/nav/bharat-bond-fof-april-2030-direct-plan/MEW389
 increase in schoool fees 7%

age school fees tuition fees college

10 ₹ 150,000.00 ₹ - ₹ -
11 ₹ 160,500.00 ₹ - ₹ -
12 ₹ 171,735.00 ₹ 50,000.00 ₹ -
13 ₹ 183,756.45 ₹ 50,000.00 ₹ -
14 ₹ 196,619.40 ₹ 175,000.00 ₹ -
15 ₹ 210,382.76 ₹ 200,000.00 ₹ -
16 ₹ - ₹ - ₹ 3,500.00
17 ₹ - ₹ 100,000.00 ₹ 3,500.00
18 ₹ - ₹ - ₹ 587,343.33
19 ₹ - ₹ - ₹ 646,077.67
20 ₹ - ₹ - ₹ 710,685.43
21 ₹ - ₹ - ₹ -
22 ₹ - ₹ - ₹ -
23 ₹ - ₹ - ₹ -
24 ₹ - ₹ - ₹ -
25 ₹ - ₹ - ₹ -
26 ₹ - ₹ - ₹ -
27 ₹ - ₹ - ₹ -
28 ₹ - ₹ - ₹ -
29 ₹ - ₹ - ₹ -
30 ₹ - ₹ - ₹ -
31 ₹ - ₹ - ₹ -
32 ₹ - ₹ - ₹ -
33 ₹ - ₹ - ₹ -
34 ₹ - ₹ - ₹ -
35 ₹ - ₹ - ₹ -
36 ₹ - ₹ - ₹ -
37 ₹ - ₹ - ₹ -
38 ₹ - ₹ - ₹ -
39 ₹ - ₹ - ₹ -
40 ₹ -
41 ₹ -
42 ₹ -
43 ₹ -
44 ₹ -
45 ₹ -
46 ₹ -
47 ₹ -
48 ₹ -
49 ₹ -
50 ₹ -
₹ 1,072,994
Inflation
present value at time 48
present value at time 45
present value at 40
https://www.etmoney.com/blog/inflation-the-silent-killer-of-your-finances/
₹ - ₹ -
₹ - ₹ -
₹ - ₹ -
₹ - ₹ -
₹ - ₹ -
₹ - ₹ -
₹ - ₹ -
₹ - ₹ -
₹ - ₹ -
₹ - ₹ -
₹ - ₹ -
₹ 575,000 ₹ 1,951,106
2 6
₹ 633,938 ₹ 2,614,669
Axis Bluechip Fund Direct Plan Growth
rate of return for equity 12.00%
Rate of return of debt fund 7.50%
10%
₹ 1,601,845
₹ 1,289,422
₹ 731,653
 Home Loan Amortization Schedule Issuer - HDFC Bank ; Interest rate - 10%
Age Year Opening Balance Amount paid Interest paid yearly
31 2012 11000000 ₹ 1,446,211.55 ₹ 1,100,000.00
32 2013 ₹ 10,653,788.45 ₹ 1,446,211.55 ₹ 1,065,378.85
33 2014 ₹ 10,272,955.75 ₹ 1,446,211.55 ₹ 1,027,295.58
34 2015 ₹ 9,854,039.78 ₹ 1,446,211.55 ₹ 985,403.98
35 2016 ₹ 9,393,232.22 ₹ 1,446,211.55 ₹ 939,323.22
36 2017 ₹ 8,886,343.89 ₹ 1,446,211.55 ₹ 888,634.39
37 2018 ₹ 8,328,766.74 ₹ 1,446,211.55 ₹ 832,876.67
38 2019 ₹ 7,715,431.86 ₹ 1,446,211.55 ₹ 771,543.19
39 2020 ₹ 7,040,763.50 ₹ 1,446,211.55 ₹ 704,076.35
40 2021 ₹ 6,298,628.31 ₹ 1,446,211.55 ₹ 629,862.83
41 2022 ₹ 5,482,279.59 ₹ 1,446,211.55 ₹ 548,227.96
42 2023 ₹ 4,584,296.01 ₹ 1,446,211.55 ₹ 458,429.60
43 2024 ₹ 3,596,514.06 ₹ 1,446,211.55 ₹ 359,651.41
44 2025 ₹ 2,509,953.92 ₹ 1,446,211.55 ₹ 250,995.39
45 2026 ₹ 1,314,737.77 ₹ 1,446,211.55 ₹ 131,473.78

Note: Home loan is taken only for 80% of the property value with a 20% upfront payment

Car Loan EMI

Age Year Loan Balance Amt Paid
37 2018 6,000,000.00 ₹ 1,172,215.33
38 2019 5,337,784.67 ₹ 1,172,215.33
39 2020 4,619,281.04 ₹ 1,172,215.33
40 2021 3,839,704.60 ₹ 1,172,215.33
41 2022 2,993,864.17 ₹ 1,172,215.33
42 2023 2,076,127.30 ₹ 1,172,215.33
43 2024 1,080,382.79 ₹ 1,172,215.33

Home Loan Amortization Schedule

Age Year Opening Balance Amount paid
46 2027 30000000 ₹ 3,504,886.35
47 2028 ₹ 28,895,113.65 ₹ 3,504,886.35
48 2029 ₹ 27,701,836.40 ₹ 3,504,886.35
49 2030 ₹ 26,413,096.96 ₹ 3,504,886.35
50 2031 ₹ 25,021,258.37 ₹ 3,504,886.35
51 2032 ₹ 23,518,072.69 ₹ 3,504,886.35
52 2033 ₹ 21,894,632.16 ₹ 3,504,886.35
53 2034 ₹ 20,141,316.38 ₹ 3,504,886.35
54 2035 ₹ 18,247,735.34 ₹ 3,504,886.35
55 2036 ₹ 16,202,667.82 ₹ 3,504,886.35
56 2037 ₹ 13,993,994.90 ₹ 3,504,886.35
57 2038 ₹ 11,608,628.14 ₹ 3,504,886.35
58 2039 ₹ 9,032,432.05 ₹ 3,504,886.35
59 2040 ₹ 6,250,140.26 ₹ 3,504,886.35
60 2041 ₹ 3,245,265.14 ₹ 3,504,886.35
HDFC Bank ; Interest rate - 10% 10%
Principal paid yearly Closing Balance
₹ 346,211.55 ₹ 10,653,788.45 ₹ 1,446,211.55
₹ 380,832.70 ₹ 10,272,955.75
₹ 418,915.97 ₹ 9,854,039.78
₹ 460,807.57 ₹ 9,393,232.22
₹ 506,888.32 ₹ 8,886,343.89
₹ 557,577.16 ₹ 8,328,766.74
₹ 613,334.87 ₹ 7,715,431.86
₹ 674,668.36 ₹ 7,040,763.50
₹ 742,135.20 ₹ 6,298,628.31
₹ 816,348.71 ₹ 5,482,279.59
₹ 897,983.59 ₹ 4,584,296.01
₹ 987,781.95 ₹ 3,596,514.06
₹ 1,086,560.14 ₹ 2,509,953.92
₹ 1,195,216.15 ₹ 1,314,737.77
₹ 1,314,737.77 ₹ 0.00

th a 20% upfront payment

Car Loan EMI

Interest Payment Payment Towards Prin
Loan at the end of the year
510,000.00 ₹ 662,215.33 5,337,784.67
453,711.70 ₹ 718,503.63 4,619,281.04
392,638.89 ₹ 779,576.44 3,839,704.60
326,374.89 ₹ 845,840.44 2,993,864.17
254,478.45 ₹ 917,736.87 2,076,127.30
176,470.82 ₹ 995,744.51 1,080,382.79
91,832.54 ₹ 1,080,382.79 -

Issuer - HDFC Bank ; Interest rate - 8% 8%

Interest paid yearly Principal paid yearly Closing Balance
₹ 2,400,000.00 ₹ 1,104,886.35 ₹ 28,895,113.65
₹ 2,311,609.09 ₹ 1,193,277.26 ₹ 27,701,836.40
₹ 2,216,146.91 ₹ 1,288,739.44 ₹ 26,413,096.96
₹ 2,113,047.76 ₹ 1,391,838.59 ₹ 25,021,258.37
₹ 2,001,700.67 ₹ 1,503,185.68 ₹ 23,518,072.69
₹ 1,881,445.82 ₹ 1,623,440.53 ₹ 21,894,632.16
₹ 1,751,570.57 ₹ 1,753,315.78 ₹ 20,141,316.38
₹ 1,611,305.31 ₹ 1,893,581.04 ₹ 18,247,735.34
₹ 1,459,818.83 ₹ 2,045,067.52 ₹ 16,202,667.82
₹ 1,296,213.43 ₹ 2,208,672.92 ₹ 13,993,994.90
₹ 1,119,519.59 ₹ 2,385,366.76 ₹ 11,608,628.14
₹ 928,690.25 ₹ 2,576,196.10 ₹ 9,032,432.05
₹ 722,594.56 ₹ 2,782,291.78 ₹ 6,250,140.26
₹ 500,011.22 ₹ 3,004,875.13 ₹ 3,245,265.14
₹ 259,621.21 ₹ 3,245,265.14 ₹ 0.00
 6,000,000.00
8.50%

₹ 1,172,215.33

₹ 3,504,886.35
 Goal for marriage ₹ 40,000,000

PV of Land ₹ 22,500,000 https://www.makaan.com/vadodara/builder-p

Increase in property rate 6.06% https://housing.com/price-trends/property-rates-f
Years to goal 15

Value after 15 years ₹ 54,382,211

FVOC ₹ 54,382,211 Purchase price ₹ 1,500,000

- transfer expenses ₹ - Indexation of 2001-02 100
Net consideration ₹ 54,382,211 Indexation of 2020-2 500
- ICOA ₹ 7,500,000
LTCG ₹ 46,882,211 ICOA ₹ 7,500,000
- standard deduction ₹ 100,000
Taxable gains ₹ 46,782,211
- tax @ 10% ₹ 4,678,221
After tax ₹ 42,103,990

Surplus cash left ₹ 2,103,990

com/vadodara/builder-project-in-gotri-road-13177190/5000-sqft-plot
e-trends/property-rates-for-buy-in-vadodara_gujarat-P1wryht7qcuk4cbfu
 Years Equity:Debt
40-50 80:20:00
50-60 60:40:00
60-65 50:50:00

12% 7.50%
470320.0260672 Equity Debt
1 470320.026067152 376256.020853722 94064.0052134305
2 470320.026067152 376256.020853722 94064.0052134305
3 470320.026067152 376256.020853722 94064.0052134305
4 470320.026067152 376256.020853722 94064.0052134305
5 470320.026067152 376256.020853722 94064.0052134305
6 470320.026067152 376256.020853722 94064.0052134305
7 470320.026067152 376256.020853722 94064.0052134305
8 470320.026067152 376256.020853722 94064.0052134305
9 470320.026067152 376256.020853722 94064.0052134305
10 470320.026067152 376256.020853722 94064.0052134305
11 470320.026067152 282192.015640291 188128.010426861
12 470320.026067152 282192.015640291 188128.010426861
13 470320.026067152 282192.015640291 188128.010426861
14 470320.026067152 282192.015640291 188128.010426861
15 470320.026067152 282192.015640291 188128.010426861
16 470320.026067152 282192.015640291 188128.010426861
17 470320.026067152 282192.015640291 188128.010426861
18 470320.026067152 282192.015640291 188128.010426861
19 470320.026067152 282192.015640291 188128.010426861
20 470320.026067152 282192.015640291 188128.010426861
21 470320.026067152 235160.013033576 235160.013033576
22 470320.026067152 235160.013033576 235160.013033576
23 470320.026067152 235160.013033576 235160.013033576
24 470320.026067152 235160.013033576 235160.013033576
25 470320.026067152 235160.013033576 235160.013033576

retirement vila
current cost of villa ₹ 20,000,000.00
future cost of villa ₹ 52,300,813.89

current investment ₹ 392,254.53

Fund
ICICI Prudential US bluechip equity fund 12.00%

5.50%
 12%
₹ 10,000,000.00
₹ 7,651,343.54 5 year fd
₹ 205,241.47 15 year equity fund
value of fund at the end of 10 years ₹ 7,395,155 ₹ 1,430,537
value of fund at the end of 20 years ₹ 17,421,863 ₹ 5,809,454
value of fund at the end of 25 years ₹ 29,030,068 ₹ 9,808,567
₹ 53,847,087 ₹ 17,048,558
₹ 70,895,644
age at which he will gift the car 60
cost of the car ₹ 7,000,000

he wants to start saving for it from 50

he invests in two funds to meet this expense

1) kotak emerging equity fun 12%
2) edelweiss government securities fund regular
growth
7.50%

pv of the car at age 58 ₹ 6,057,328.29

pv of the car at age 50 ₹ 2,446,453.30

He should invest a sum of Rs. 24,46,453 initially in the kotak emerging equity fund for 8 years and
later shift to edelweiss government securities fund regular growth for the next two years
fund for 8 years and
next two years
Age Year Opening Equity Opening Debt Opening Cash
22 0 ₹ 100,000 ₹ 110,000 ₹ 20,000
23 1 ₹ 351,200 ₹ 455,400 ₹ 51,400
24 2 ₹ 619,432 ₹ 824,219 ₹ 84,929
25 3 ₹ 824,438 ₹ 1,106,102 ₹ 110,555
26 4 ₹ 1,068,423 ₹ 1,441,582 ₹ 141,053
27 5 ₹ 1,335,323 ₹ 1,808,569 ₹ 174,415
28 6 ₹ 1,639,280 ₹ 2,226,511 ₹ 212,410
29 7 ₹ 2,036,573 ₹ 2,772,789 ₹ 262,072
30 8 ₹ 2,438,156 ₹ 3,324,964 ₹ 312,269
31 9 ₹ 2,776,372 ₹ 3,790,012 ₹ 354,547
32 10 ₹ 2,671,478 ₹ 3,645,782 ₹ 341,435
33 11 ₹ 2,585,200 ₹ 3,527,150 ₹ 330,650
34 12 ₹ 2,470,092 ₹ 3,368,877 ₹ 316,262
35 13 ₹ 2,318,937 ₹ 3,161,038 ₹ 297,367
36 14 ₹ 2,811,977 ₹ 3,838,968 ₹ 358,997
37 15 ₹ 3,248,702 ₹ 4,439,465 ₹ 413,588
38 16 ₹ 3,293,381 ₹ 4,500,899 ₹ 419,173
39 17 ₹ 3,293,811 ₹ 4,501,490 ₹ 419,226
40 18 ₹ 3,736,436 ₹ 5,110,100 ₹ 474,555
41 19 ₹ 3,853,316 ₹ 5,270,810 ₹ 489,165
42 20 ₹ 4,335,338 ₹ 5,933,590 ₹ 549,417
43 21 ₹ 4,907,461 ₹ 6,720,259 ₹ 620,933
44 22 ₹ 5,556,469 ₹ 7,612,645 ₹ 702,059
45 23 ₹ 6,788,447 ₹ 9,306,615 ₹ 856,056
46 24 ₹ 8,142,146 ₹ 11,167,951 ₹ 1,025,268
47 25 ₹ 8,980,843 ₹ 12,321,159 ₹ 1,130,105
48 26 ₹ 9,934,263 ₹ 13,632,112 ₹ 1,249,283
49 27 ₹ 10,940,568 ₹ 15,015,781 ₹ 1,375,071
50 28 ₹ 12,116,465 ₹ 16,632,640 ₹ 1,522,058
51 29 ₹ 10,009,074 ₹ 13,734,977 ₹ 1,258,634
52 30 ₹ 11,619,822 ₹ 15,949,756 ₹ 1,459,978
53 31 ₹ 13,351,614 ₹ 18,330,970 ₹ 1,676,452
54 32 ₹ 15,293,357 ₹ 21,000,866 ₹ 1,919,170
55 33 ₹ 17,458,003 ₹ 23,977,254 ₹ 2,189,750
56 34 ₹ 21,736,754 ₹ 29,860,537 ₹ 2,724,594
57 35 ₹ 25,159,723 ₹ 34,567,120 ₹ 3,152,465
58 36 ₹ 28,827,929 ₹ 39,610,902 ₹ 3,610,991
59 37 ₹ 32,816,721 ₹ 45,095,491 ₹ 4,109,590
60 38 ₹ 37,145,403 ₹ 51,047,429 ₹ 4,650,675
61 39 ₹ 38,786,816 ₹ 53,304,372 ₹ 4,855,852
62 40 ₹ 45,254,771 ₹ 62,197,810 ₹ 5,664,346
63 41 ₹ 52,130,842 ₹ 71,652,408 ₹ 6,523,855
64 42 ₹ 59,439,555 ₹ 81,701,888 ₹ 7,437,444
65 43 ₹ 67,206,905 ₹ 92,381,995 ₹ 8,408,363
66 44 ₹ 75,460,449 ₹ 103,730,617 ₹ 9,440,056
67 45 ₹ 77,447,757 ₹ 106,463,165 ₹ 9,688,470
68 46 ₹ 79,559,359 ₹ 109,366,618 ₹ 9,952,420
69 47 ₹ 81,802,511 ₹ 112,450,953 ₹ 10,232,814
70 48 ₹ 84,184,890 ₹ 115,726,724 ₹ 10,530,611
71 49 ₹ 82,714,615 ₹ 113,705,095 ₹ 10,346,827
72 50 ₹ 85,400,276 ₹ 117,397,879 ₹ 10,682,534
73 51 ₹ 88,250,959 ₹ 121,317,569 ₹ 11,038,870
74 52 ₹ 91,276,277 ₹ 125,477,381 ₹ 11,417,035
75 53 ₹ 94,486,396 ₹ 129,891,295 ₹ 11,818,300
76 54 ₹ 97,892,072 ₹ 134,574,098 ₹ 12,244,009
77 55 ₹ 101,504,679 ₹ 139,541,433 ₹ 12,695,585
78 56 ₹ 105,336,250 ₹ 144,809,843 ₹ 13,174,531
79 57 ₹ 109,399,511 ₹ 150,396,828 ₹ 13,682,439
80 58 ₹ 113,707,924 ₹ 156,320,895 ₹ 14,220,990
Opening Balance
Cash Inflow post Tax Expenses Net Cash Available
₹ 230,000 ₹ 120,000 ₹ 110,000
₹ 858,000 ₹ 141,000 ₹ 717,000
₹ 1,528,580 ₹ 368,050 ₹ 1,160,530
₹ 2,041,094 ₹ 345,449 ₹ 1,695,645
₹ 2,651,057 ₹ 369,372 ₹ 2,281,686
₹ 3,318,308 ₹ 589,789 ₹ 2,728,519
₹ 4,078,201 ₹ 471,173 ₹ 3,607,029
₹ 5,071,434 ₹ 584,924 ₹ 4,486,510
₹ 6,075,390 ₹ 878,394 ₹ 5,196,996
₹ 6,920,930 ₹ 2,506,798 ₹ 4,414,132
₹ 6,658,695 ₹ 2,651,045 ₹ 4,007,649
₹ 6,443,000 ₹ 2,930,125 ₹ 3,512,875
₹ 6,155,230 ₹ 3,244,844 ₹ 2,910,386
₹ 5,777,341 ₹ 3,678,045 ₹ 2,099,296
₹ 7,009,943 ₹ 4,182,240 ₹ 2,827,703
₹ 8,101,754 ₹ 5,553,678 ₹ 2,548,076
₹ 8,213,452 ₹ 6,085,754 ₹ 2,127,698
₹ 8,214,528 ₹ 6,296,422 ₹ 1,918,106
₹ 9,321,090 ₹ 6,549,234 ₹ 2,771,856
₹ 9,613,290 ₹ 6,756,125 ₹ 2,857,165
₹ 10,818,345 ₹ 7,024,353 ₹ 3,793,992
₹ 12,248,652 ₹ 7,354,546 ₹ 4,894,106
₹ 13,871,173 ₹ 6,450,153 ₹ 7,421,020
₹ 16,951,118 ₹ 6,731,303 ₹ 10,219,815
₹ 20,335,365 ₹ 8,638,588 ₹ 11,696,777
₹ 22,432,107 ₹ 9,007,900 ₹ 13,424,207
₹ 24,815,657 ₹ 9,570,283 ₹ 15,245,375
₹ 27,331,420 ₹ 9,881,632 ₹ 17,449,788
₹ 30,271,163 ₹ 16,216,615 ₹ 14,054,548
₹ 25,002,685 ₹ 10,393,180 ₹ 14,609,505
₹ 29,029,556 ₹ 10,761,686 ₹ 18,267,869
₹ 33,359,036 ₹ 11,160,450 ₹ 22,198,586
₹ 38,213,393 ₹ 11,581,021 ₹ 26,632,372
₹ 43,625,007 ₹ 61,713,170 ₹ (18,088,163)
₹ 54,321,885 ₹ 10,566,357 ₹ 43,755,528
₹ 62,879,309 ₹ 11,113,524 ₹ 51,765,784
₹ 72,049,821 ₹ 11,540,404 ₹ 60,509,417
₹ 82,021,803 ₹ 11,991,122 ₹ 70,030,681
₹ 92,843,507 ₹ 20,086,065 ₹ 72,757,442
₹ 96,947,041 ₹ 9,477,301 ₹ 87,469,740
₹ 113,116,928 ₹ 10,000,167 ₹ 103,116,761
₹ 130,307,105 ₹ 10,552,317 ₹ 119,754,788
₹ 148,578,887 ₹ 11,135,401 ₹ 137,443,486
₹ 167,997,264 ₹ 11,751,163 ₹ 156,246,100
₹ 188,631,122 ₹ 4,496,254 ₹ 184,134,868
₹ 193,599,391 ₹ 4,706,067 ₹ 188,893,325
₹ 198,878,397 ₹ 4,926,370 ₹ 193,952,027
₹ 204,486,278 ₹ 5,157,688 ₹ 199,328,590
₹ 210,442,225 ₹ 15,400,573 ₹ 195,041,652
₹ 206,766,537 ₹ 5,655,602 ₹ 201,110,935
₹ 213,480,689 ₹ 5,923,382 ₹ 207,557,307
₹ 220,607,397 ₹ 6,204,551 ₹ 214,402,847
₹ 228,170,692 ₹ 6,499,778 ₹ 221,670,914
₹ 236,195,990 ₹ 6,809,767 ₹ 229,386,223
₹ 244,710,179 ₹ 7,135,256 ₹ 237,574,923
₹ 253,741,697 ₹ 7,477,018 ₹ 246,264,678
₹ 263,320,624 ₹ 7,835,869 ₹ 255,484,755
₹ 273,478,778 ₹ 8,212,663 ₹ 265,266,115
₹ 284,249,809 ₹ 8,608,296 ₹ 275,641,514
Cash Required for
Deposit/Withdraw
Goal available for
Change
the year
in Equity Change in Debt
₹ - ₹ 110,000 ₹ 251,200 ₹ 345,400
₹ - ₹ 717,000 ₹ 268,232 ₹ 368,819
₹ - ₹ 1,160,530 ₹ 205,006 ₹ 281,883
₹ - ₹ 1,695,645 ₹ 243,985 ₹ 335,480
₹ - ₹ 2,281,686 ₹ 266,900 ₹ 366,988
₹ - ₹ 2,728,519 ₹ 303,957 ₹ 417,941
₹ - ₹ 3,607,029 ₹ 397,293 ₹ 546,278
₹ - ₹ 4,486,510 ₹ 401,582 ₹ 552,176
₹ - ₹ 5,196,996 ₹ 338,216 ₹ 465,047
₹ - ₹ 4,414,132 ₹ (104,894) ₹ (144,230)
₹ - ₹ 4,007,649 ₹ (86,278) ₹ (118,632)
₹ - ₹ 3,512,875 ₹ (115,108) ₹ (158,273)
₹ - ₹ 2,910,386 ₹ (151,156) ₹ (207,839)
₹ - ₹ 2,099,296 ₹ 493,040 ₹ 677,931
₹ - ₹ 2,827,703 ₹ 436,725 ₹ 600,496
₹ - ₹ 2,548,076 ₹ 44,679 ₹ 61,434
₹ - ₹ 2,127,698 ₹ 430 ₹ 591
₹ - ₹ 1,918,106 ₹ 442,625 ₹ 608,609
₹ - ₹ 2,771,856 ₹ 116,880 ₹ 160,710
₹ - ₹ 2,857,165 ₹ 482,022 ₹ 662,780
₹ - ₹ 3,793,992 ₹ 572,123 ₹ 786,669
₹ - ₹ 4,894,106 ₹ 649,008 ₹ 892,386
₹ - ₹ 7,421,020 ₹ 1,231,978 ₹ 1,693,970
₹ 45,000,000 ₹ (34,780,185) ₹ 1,353,699 ₹ 1,861,336
₹ - ₹ 11,696,777 ₹ 838,697 ₹ 1,153,208
₹ - ₹ 13,424,207 ₹ 953,420 ₹ 1,310,953
₹ 1,601,845 ₹ 13,643,529 ₹ 1,006,305 ₹ 1,383,669
₹ - ₹ 17,449,788 ₹ 1,175,897 ₹ 1,616,859
₹ 6,000,000 ₹ 8,054,548 ₹ (2,107,391) ₹ (2,897,663)
₹ - ₹ 14,609,505 ₹ 1,610,748 ₹ 2,214,779
₹ - ₹ 18,267,869 ₹ 1,731,792 ₹ 2,381,214
₹ - ₹ 22,198,586 ₹ 1,941,743 ₹ 2,669,896
₹ - ₹ 26,632,372 ₹ 2,164,646 ₹ 2,976,388
₹ 40,000,000 ₹ (58,088,163) ₹ 4,278,751 ₹ 5,883,283
₹ - ₹ 43,755,528 ₹ 3,422,970 ₹ 4,706,583
₹ - ₹ 51,765,784 ₹ 3,668,205 ₹ 5,043,782
₹ - ₹ 60,509,417 ₹ 3,988,792 ₹ 5,484,590
₹ - ₹ 70,030,681 ₹ 4,328,682 ₹ 5,951,938
₹ 7,000,000 ₹ 65,757,442 ₹ 1,641,413 ₹ 2,256,943
₹ - ₹ 87,469,740 ₹ 6,467,955 ₹ 8,893,438
₹ - ₹ 103,116,761 ₹ 6,876,071 ₹ 9,454,597
₹ - ₹ 119,754,788 ₹ 7,308,713 ₹ 10,049,480
₹ - ₹ 137,443,486 ₹ 7,767,351 ₹ 10,680,107
₹ 52,300,814 ₹ 103,945,287 ₹ 8,253,543 ₹ 11,348,622
₹ - ₹ 184,134,868 ₹ 1,987,308 ₹ 2,732,548
₹ - ₹ 188,893,325 ₹ 2,111,602 ₹ 2,903,453
₹ - ₹ 193,952,027 ₹ 2,243,153 ₹ 3,084,335
₹ - ₹ 199,328,590 ₹ 2,382,379 ₹ 3,275,771
₹ 10,000,000 ₹ 185,041,652 ₹ (1,470,275) ₹ (2,021,628)
₹ - ₹ 201,110,935 ₹ 2,685,661 ₹ 3,692,784
₹ - ₹ 207,557,307 ₹ 2,850,683 ₹ 3,919,690
₹ - ₹ 214,402,847 ₹ 3,025,318 ₹ 4,159,812
₹ - ₹ 221,670,914 ₹ 3,210,119 ₹ 4,413,914
₹ - ₹ 229,386,223 ₹ 3,405,675 ₹ 4,682,804
₹ - ₹ 237,574,923 ₹ 3,612,607 ₹ 4,967,335
#NAME? #NAME? ₹ 3,831,571 ₹ 5,268,410
₹ - ₹ 255,484,755 ₹ 4,063,261 ₹ 5,586,985
₹ - ₹ 265,266,115 ₹ 4,308,413 ₹ 5,924,067
₹ - ₹ 275,641,514 ₹ 4,567,801 ₹ 6,280,726
Change in Cash Net Change Closing Equity Closing Debt
₹ 31,400 ₹ 628,000 ₹ 351,200 ₹ 455,400
₹ 33,529 ₹ 670,580 ₹ 619,432 ₹ 824,219
₹ 25,626 ₹ 512,514 ₹ 824,438 ₹ 1,106,102
₹ 30,498 ₹ 609,963 ₹ 1,068,423 ₹ 1,441,582
₹ 33,363 ₹ 667,251 ₹ 1,335,323 ₹ 1,808,569
₹ 37,995 ₹ 759,893 ₹ 1,639,280 ₹ 2,226,511
₹ 49,662 ₹ 993,233 ₹ 2,036,573 ₹ 2,772,789
₹ 50,198 ₹ 1,003,956 ₹ 2,438,156 ₹ 3,324,964
₹ 42,277 ₹ 845,541 ₹ 2,776,372 ₹ 3,790,012
₹ (13,112) ₹ (262,235) ₹ 2,671,478 ₹ 3,645,782
₹ (10,785) ₹ (215,695) ₹ 2,585,200 ₹ 3,527,150
₹ (14,388) ₹ (287,770) ₹ 2,470,092 ₹ 3,368,877
₹ (18,894) ₹ (377,889) ₹ 2,318,937 ₹ 3,161,038
₹ 61,630 ₹ 1,232,601 ₹ 2,811,977 ₹ 3,838,968
₹ 54,591 ₹ 1,091,812 ₹ 3,248,702 ₹ 4,439,465
₹ 5,585 ₹ 111,698 ₹ 3,293,381 ₹ 4,500,899
₹ 54 ₹ 1,075 ₹ 3,293,811 ₹ 4,501,490
₹ 55,328 ₹ 1,106,562 ₹ 3,736,436 ₹ 5,110,100
₹ 14,610 ₹ 292,200 ₹ 3,853,316 ₹ 5,270,810
₹ 60,253 ₹ 1,205,055 ₹ 4,335,338 ₹ 5,933,590
₹ 71,515 ₹ 1,430,307 ₹ 4,907,461 ₹ 6,720,259
₹ 81,126 ₹ 1,622,521 ₹ 5,556,469 ₹ 7,612,645
₹ 153,997 ₹ 3,079,945 ₹ 6,788,447 ₹ 9,306,615
₹ 169,212 ₹ 3,384,247 ₹ 8,142,146 ₹ 11,167,951
₹ 104,837 ₹ 2,096,742 ₹ 8,980,843 ₹ 12,321,159
₹ 119,178 ₹ 2,383,550 ₹ 9,934,263 ₹ 13,632,112
₹ 125,788 ₹ 2,515,762 ₹ 10,940,568 ₹ 15,015,781
₹ 146,987 ₹ 2,939,743 ₹ 12,116,465 ₹ 16,632,640
₹ (263,424) ₹ (5,268,478) ₹ 10,009,074 ₹ 13,734,977
₹ 201,344 ₹ 4,026,871 ₹ 11,619,822 ₹ 15,949,756
₹ 216,474 ₹ 4,329,480 ₹ 13,351,614 ₹ 18,330,970
₹ 242,718 ₹ 4,854,357 ₹ 15,293,357 ₹ 21,000,866
₹ 270,581 ₹ 5,411,615 ₹ 17,458,003 ₹ 23,977,254
₹ 534,844 ₹ 10,696,877 ₹ 21,736,754 ₹ 29,860,537
₹ 427,871 ₹ 8,557,424 ₹ 25,159,723 ₹ 34,567,120
₹ 458,526 ₹ 9,170,513 ₹ 28,827,929 ₹ 39,610,902
₹ 498,599 ₹ 9,971,981 ₹ 32,816,721 ₹ 45,095,491
₹ 541,085 ₹ 10,821,705 ₹ 37,145,403 ₹ 51,047,429
₹ 205,177 ₹ 4,103,534 ₹ 38,786,816 ₹ 53,304,372
₹ 808,494 ₹ 16,169,887 ₹ 45,254,771 ₹ 62,197,810
₹ 859,509 ₹ 17,190,177 ₹ 52,130,842 ₹ 71,652,408
₹ 913,589 ₹ 18,271,782 ₹ 59,439,555 ₹ 81,701,888
₹ 970,919 ₹ 19,418,377 ₹ 67,206,905 ₹ 92,381,995
₹ 1,031,693 ₹ 20,633,858 ₹ 75,460,449 ₹ 103,730,617
₹ 248,413 ₹ 4,968,270 ₹ 77,447,757 ₹ 106,463,165
₹ 263,950 ₹ 5,279,006 ₹ 79,559,359 ₹ 109,366,618
₹ 280,394 ₹ 5,607,881 ₹ 81,802,511 ₹ 112,450,953
₹ 297,797 ₹ 5,955,947 ₹ 84,184,890 ₹ 115,726,724
₹ (183,784) ₹ (3,675,688) ₹ 82,714,615 ₹ 113,705,095
₹ 335,708 ₹ 6,714,152 ₹ 85,400,276 ₹ 117,397,879
₹ 356,335 ₹ 7,126,708 ₹ 88,250,959 ₹ 121,317,569
₹ 378,165 ₹ 7,563,294 ₹ 91,276,277 ₹ 125,477,381
₹ 401,265 ₹ 8,025,298 ₹ 94,486,396 ₹ 129,891,295
₹ 425,709 ₹ 8,514,189 ₹ 97,892,072 ₹ 134,574,098
₹ 451,576 ₹ 9,031,518 ₹ 101,504,679 ₹ 139,541,433
₹ 478,946 ₹ 9,578,928 ₹ 105,336,250 ₹ 144,809,843
₹ 507,908 ₹ 10,158,154 ₹ 109,399,511 ₹ 150,396,828
₹ 538,552 ₹ 10,771,031 ₹ 113,707,924 ₹ 156,320,895
₹ 570,975 ₹ 11,419,502 ₹ 118,275,724 ₹ 162,601,621
 Closing Cash Total Closing Balance
₹ 51,400 ₹ 340,000
₹ 84,929 ₹ 1,575,000
₹ 110,555 ₹ 2,689,110
₹ 141,053 ₹ 3,736,739
₹ 174,415 ₹ 4,932,743
₹ 212,410 ₹ 6,046,827
₹ 262,072 ₹ 7,685,230
₹ 312,269 ₹ 9,557,944
₹ 354,547 ₹ 11,272,385
₹ 341,435 ₹ 11,335,063
₹ 330,650 ₹ 10,666,344
₹ 316,262 ₹ 9,955,875
₹ 297,367 ₹ 9,065,616
₹ 358,997 ₹ 7,876,637
₹ 413,588 ₹ 9,837,645
₹ 419,173 ₹ 10,649,831
₹ 419,226 ₹ 10,341,150
₹ 474,555 ₹ 10,132,633
₹ 489,165 ₹ 12,092,946
₹ 549,417 ₹ 12,470,456
₹ 620,933 ₹ 14,612,337
₹ 702,059 ₹ 17,142,759
₹ 856,056 ₹ 21,292,193
₹ 1,025,268 ₹ (17,829,067)
₹ 1,130,105 ₹ 32,032,143
₹ 1,249,283 ₹ 35,856,314
₹ 1,375,071 ₹ 38,459,186
₹ 1,522,058 ₹ 44,781,208
₹ 1,258,634 ₹ 38,325,711
₹ 1,459,978 ₹ 39,612,190
₹ 1,676,452 ₹ 47,297,425
₹ 1,919,170 ₹ 55,557,621
₹ 2,189,750 ₹ 64,845,764
₹ 2,724,594 ₹ (14,463,156)
₹ 3,152,465 ₹ 98,077,413
₹ 3,610,991 ₹ 114,645,093
₹ 4,109,590 ₹ 132,559,239
₹ 4,650,675 ₹ 152,052,483
₹ 4,855,852 ₹ 158,600,950
₹ 5,664,346 ₹ 184,416,781
₹ 6,523,855 ₹ 216,233,688
₹ 7,437,444 ₹ 250,061,892
₹ 8,408,363 ₹ 286,022,372
₹ 9,440,056 ₹ 271,942,550
₹ 9,688,470 ₹ 372,765,990
₹ 9,952,420 ₹ 382,492,716
₹ 10,232,814 ₹ 392,830,424
₹ 10,530,611 ₹ 403,814,868
₹ 10,346,827 ₹ 395,483,877
₹ 10,682,534 ₹ 407,877,472
₹ 11,038,870 ₹ 421,037,996
₹ 11,417,035 ₹ 435,010,244
₹ 11,818,300 ₹ 449,841,605
₹ 12,244,009 ₹ 465,582,213
₹ 12,695,585 ₹ 482,285,102
₹ 13,174,531 #NAME?
₹ 13,682,439 ₹ 518,805,379
₹ 14,220,990 ₹ 538,744,893
₹ 14,791,966 ₹ 559,891,323
Age Gross income Tax liability Surcharge Health and education cess
22 ₹ 850,000 ₹ 82,500.00 ₹ - ₹ 3,300.00
23 ₹ 922,250 ₹ 96,950.00 ₹ - ₹ 3,878.00
24 ₹ 1,000,641 ₹ 112,692.38 ₹ - ₹ 4,507.70
25 ₹ 1,085,696 ₹ 138,208.73 ₹ - ₹ 5,528.35
26 ₹ 1,177,980 ₹ 165,893.97 ₹ - ₹ 6,635.76
27 ₹ 1,533,730 ₹ 272,618.95 ₹ - ₹ 10,904.76
28 ₹ 1,664,097 ₹ 311,729.06 ₹ - ₹ 12,469.16
29 ₹ 1,805,545 ₹ 354,163.53 ₹ - ₹ 14,166.54
30 ₹ 1,959,016 ₹ 400,204.93 ₹ - ₹ 16,008.20
31 ₹ 2,550,639 ₹ 577,691.82 ₹ - ₹ 23,107.67
32 ₹ 2,767,444 ₹ 642,733.12 ₹ - ₹ 25,709.32
33 ₹ 3,002,676 ₹ 713,302.94 ₹ - ₹ 28,532.12
34 ₹ 3,257,904 ₹ 789,871.18 ₹ - ₹ 31,594.85
35 ₹ 5,334,826 ₹ 1,412,947.74 ₹ 141,294.77 ₹ 62,169.70
36 ₹ 5,725,286 ₹ 1,530,085.79 ₹ 153,008.58 ₹ 67,323.77
37 ₹ 6,145,785 ₹ 1,656,235.59 ₹ 165,623.56 ₹ 72,874.37
38 ₹ 6,598,720 ₹ 1,792,115.86 ₹ 179,211.59 ₹ 78,853.10
39 ₹ 8,066,434 ₹ 2,232,430.24 ₹ 223,243.02 ₹ 98,226.93
40 ₹ 8,675,504 ₹ 2,415,151.24 ₹ 241,515.12 ₹ 106,266.65
41 ₹ 9,173,061 ₹ 2,564,418.40 ₹ 256,441.84 ₹ 112,834.41
42 ₹ 9,699,323 ₹ 2,722,296.98 ₹ 272,229.70 ₹ 119,781.07
43 ₹ 10,255,955 ₹ 2,889,286.46 ₹ 433,392.97 ₹ 132,907.18
44 ₹ 10,844,718 ₹ 3,065,915.39 ₹ 459,887.31 ₹ 141,032.11
45 ₹ 11,467,477 ₹ 3,252,743.14 ₹ 487,911.47 ₹ 149,626.18
46 ₹ 12,126,206 ₹ 3,450,361.70 ₹ 517,554.25 ₹ 158,716.64
47 ₹ 12,822,992 ₹ 3,659,397.57 ₹ 548,909.63 ₹ 168,332.29
48 ₹ 13,560,046 ₹ 3,880,513.80 ₹ 582,077.07 ₹ 178,503.63
49 ₹ 14,339,707 ₹ 4,114,412.12 ₹ 617,161.82 ₹ 189,262.96
50 ₹ 15,164,451 ₹ 4,361,835.21 ₹ 654,275.28 ₹ 200,644.42
51 ₹ 16,036,897 ₹ 4,623,569.11 ₹ 693,535.37 ₹ 212,684.18
52 ₹ 16,959,819 ₹ 4,900,445.74 ₹ 735,066.86 ₹ 225,420.50
53 ₹ 17,936,152 ₹ 5,193,345.58 ₹ 779,001.84 ₹ 238,893.90
54 ₹ 18,969,002 ₹ 5,503,200.58 ₹ 825,480.09 ₹ 253,147.23
55 ₹ 74,443,868 ₹ 22,145,660.35 ₹ 8,193,894.33 ₹ 1,213,582.19
56 ₹ 21,217,597 ₹ 6,177,779.10 ₹ 1,544,444.77 ₹ 308,888.95
57 ₹ 22,440,505 ₹ 6,544,651.64 ₹ 1,636,162.91 ₹ 327,232.58
58 ₹ 23,734,281 ₹ 6,932,784.33 ₹ 1,733,196.08 ₹ 346,639.22
59 ₹ 25,103,051 ₹ 7,343,415.17 ₹ 1,835,853.79 ₹ 367,170.76
60 ₹ 26,551,182 ₹ 7,775,354.54 ₹ 1,943,838.63 ₹ 388,767.73
61 ₹ 28,083,298 ₹ 8,234,989.49 ₹ 2,058,747.37 ₹ 411,749.47
62 ₹ 29,704,294 ₹ 8,721,288.23 ₹ 2,180,322.06 ₹ 436,064.41
63 ₹ 31,419,350 ₹ 9,235,804.86 ₹ 2,308,951.21 ₹ 461,790.24
64 ₹ 33,233,948 ₹ 9,780,184.45 ₹ 2,445,046.11 ₹ 489,009.22
65 ₹ 35,153,895 ₹ 10,356,168.39 ₹ 2,589,042.10 ₹ 517,808.42
66 ₹ 8,168,471 ₹ 2,260,541.33 ₹ 226,054.13 ₹ 99,463.82
67 ₹ 8,576,895 ₹ 2,383,068.39 ₹ 238,306.84 ₹ 104,855.01
68 ₹ 9,005,739 ₹ 2,511,721.81 ₹ 251,172.18 ₹ 110,515.76
69 ₹ 9,456,026 ₹ 2,646,807.90 ₹ 264,680.79 ₹ 116,459.55
70 ₹ 9,928,828 ₹ 2,788,648.30 ₹ 278,864.83 ₹ 122,700.53
71 ₹ 10,425,269 ₹ 2,937,580.71 ₹ 440,637.11 ₹ 135,128.71
72 ₹ 10,946,532 ₹ 3,093,959.75 ₹ 464,093.96 ₹ 142,322.15
73 ₹ 11,493,859 ₹ 3,258,157.74 ₹ 488,723.66 ₹ 149,875.26
74 ₹ 12,068,552 ₹ 3,430,565.62 ₹ 514,584.84 ₹ 157,806.02
75 ₹ 12,671,980 ₹ 3,611,593.90 ₹ 541,739.09 ₹ 166,133.32
76 ₹ 13,305,579 ₹ 3,801,673.60 ₹ 570,251.04 ₹ 174,876.99
77 ₹ 13,970,858 ₹ 4,001,257.28 ₹ 600,188.59 ₹ 184,057.83
78 ₹ 14,669,400 ₹ 4,210,820.14 ₹ 631,623.02 ₹ 193,697.73
79 ₹ 15,402,871 ₹ 4,430,861.15 ₹ 664,629.17 ₹ 203,819.61
80 ₹ 16,173,014 ₹ 4,651,904.21 ₹ 697,785.63 ₹ 213,987.59
 Total tax liability
₹ 85,800.00
₹ 100,828.00
₹ 117,200.07
₹ 143,737.08
₹ 172,529.73
₹ 283,523.71
₹ 324,198.22
₹ 368,330.07
₹ 416,213.12
₹ 600,799.49
₹ 668,442.44
₹ 741,835.05
₹ 821,466.03
₹ 1,616,412.21
₹ 1,750,418.15
₹ 1,894,733.51
₹ 2,050,180.54
₹ 2,553,900.19
₹ 2,762,933.02
₹ 2,933,694.64
₹ 3,114,307.75
₹ 3,455,586.61
₹ 3,666,834.80
₹ 3,890,280.79
₹ 4,126,632.59
₹ 4,376,639.49
₹ 4,641,094.50
₹ 4,920,836.89
₹ 5,216,754.92
₹ 5,529,788.66
₹ 5,860,933.10
₹ 6,211,241.32
₹ 6,581,827.89
₹ 31,553,136.87
₹ 8,031,112.82
₹ 8,508,047.14
₹ 9,012,619.63
₹ 9,546,439.72
₹ 10,107,960.90
₹ 10,705,486.34
₹ 11,337,674.70
₹ 12,006,546.32
₹ 12,714,239.79
₹ 13,463,018.90
₹ 2,586,059.28
₹ 2,726,230.24
₹ 2,873,409.75
₹ 3,027,948.24
₹ 3,190,213.65
₹ 3,513,346.53
₹ 3,700,375.86
₹ 3,896,756.65
₹ 4,102,956.49
₹ 4,319,466.31
₹ 4,546,801.63
₹ 4,785,503.71
₹ 5,036,140.89
₹ 5,299,309.94
₹ 5,563,677.43