retirement calculator based on withdrawal rate

7/25/2019 Retirement Calculator Based on Withdrawal Rate

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Retirement Planner

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Retirement Planner by M. Pattabiraman ([email protected])

Instructions

1. Fill only cells in yellow

2. The worksheet is not protected so make a copy before proceeding3. The sheet calculates annual annuity payable at the beginning of the year

4. inestment for retirement is assumed to be made at the beginning of the month

!. The sheet assumes the inestment for retirement will begin in "an of the ne#t year.

$. % The corpus is assumed to be ta#&free. The ta# indicated is only on the pension'annuity

(. ) *erage rate of interest refers to the aerage of e+uity'stock and bond'debt instruments

Step 1 Expected inflation post-retirement

nticipated post-retirement rate of interest

Estimated years in retirement

Initial !it"dra!al rate on your corpus

Step # $o of years you expect to !or%&

'urrent expenses per mont" (annual1#)

Expected inflation bet!een no! and retirement

i%ely Income tax slab post retirement

Mont"ly expenses in 1st year of retirement

Pre-tax mont"ly pension needed

Step * Retirement 'orpus Re+uired (a%"s)

Step , erae rate of interest expected /

nnual increase in mont"ly inestment you can manae

mount inested so far (end of current year)

rate of interest for t"is amount

0"en you retire amt inested so far !ill ro! to

$et corpus to be saed

Initial mont"ly inestment re+uired

if years to retirement is set to ,ero- total corpus re+uired is set to amount inested so far

the net corpus to be saed will be shown as ,ero

intial monthly inestment re+d then cannot be calculated and is ,et to ,ero

n this the annuity or pension may turn out lower than future monthly e#penses.

/ou would need to ad0ust others parameters until they reasonably match

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'urrent year 212

e at t"e end of current year 3

'urrent 3ross pre-tax Mont"ly Salary 1-

nnual increase of mont"ly salary 1

'S4 560 '4R7

Present Post-tax Pre-tax 3ro!t" of

8our Mont"ly Mont"ly 3ross-salary Mont"ly Mont"ly future

e 8ear inestment Expenses mont"ly nnuity nnuity mon. in.

3 212 4- 1-

3 213 !4-4 43-2 11- (12-(2

4 214 !$-$( 4$-$!$ 121- 1-!1-111

. 41 21! !-3$ !-3 133-1 2-42!-$2

(. 42 21$ $1-24 !4-42 14$-41 3-44!-$!$

2! 43 21( $3-(4! !-((3 1$1-!1 4-!-!!(

*.9:; 44 21 $$-2! $3-4(! 1((-1!$ !-$-(!

4! 21 $-4( $-!!3 14-(2 (-2-$$2( 4$ 22 (1-(! (4-3( 214-3! -4-(!$

4 4( 221 (4-!(3 (-$ 23!-(! 1-$(-(1

. 4 222 ((-!!$ $-3!( 2!-3(4 12-$4!-4

1 4 223 -$! 3-2$$ 2!-312 14-3-$$

*,9, ! 224 3-! 1-(2( 313-43 1(-2(1-22

*>*? !3 22( 4-3! 12$-( 41(-(2! 2$-2!-332

!4 22 -133 13(-3 4!-4( 2-$-44!

. !! 22 12-! 14-1 !!-44( 33-22-!2

4. !$ 23 1$-141 1!-41 !!!-2 3-3$3-3$

!( 231 11-3( 1(2-$2 $11-!1 43-2!-1

3 ! 232 114-2 1$-43 $(2-(! 4-$!4-22

. ! 233 11-34 21-3!3 (4-2! !4-!!-!4

#*


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(4 24 $3-(2( $3-(2( (-$(

(! 24 $-2! $-2! ($$-4(2

($ 2! (4!-11 (4!-11 2(-(

(( 2!1 4-$12 4-$12 4-13

( 2!2 $-1 $-1 $!-!34

( 2!3 3-4 3-4 1-42-((( 2!4 1-13-!( 1-13-!( 1-12$-1

1 2!! 1-4-$$$ 1-4-$$$ 1-21$-2!

2 2!$ 1-12-23 1-12-23 1-313-!

3 2!( 1-2($-1 1-2($-1 1-41-$(

4 2! 1-3(-$3 1-3(-$3 1-!32-12

! 2! 1-4-2 1-4-2 1-$!4-(!$

$ 2$ 1-$-423 1-$-423 1-((-13(

( 2$1 1-(3(-( 1-(3(-( 1-3-1

2$2 1-($-$! 1-($-$! 2-4-!1$

2$3 2-2$-1! 2-2$-1! 2-2!1-2((

2$4 2-1-242 2-1-242 2-431-3


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3ro!t" of 7otal Ret. 'orpus 0it"dra!al

amt. in. 'orpus year-end rate

so far accumulated balance

3-- 3-- 3-- .

3-24- 3-!2-(2 3-!2-(2 .

3-4-2 !-1(-311 !-1(-311 .

3-((-13$ $-24-($4 $-24-($4 .

4-1-4$( (-!2(-123 (-!2(-123 .

4-4(-4 -(-!41 -(-!41 .

4-($-$23 1-$3-32 1-$3-32 .

!-141-4(3 12-441-33 12-441-33 .!-!!2-(1 14-44(-!4$ 14-44(-!4$ .

!-(-14 1$-$$(-(1! 1$-$$(-(1! .

$-4($-((! 1-122-2(4 1-122-2(4 .

$-4-1( 21-33-!23 21-33-!23 .

(-!!4-!1 24-2!-3 24-2!-3 .

-1!-(1 2-12!-$ 2-12!-$ .

-11-!1 31-($2-14 31-($2-14 .

-!1$-!( 3!-($$-4 3!-($$-4 .

1-2((-2 4-1(4-2(3 4-1(4-2(3 .

11-1-!4 4!-22-1$ 4!-22-1$ .

11--! !-3!1-41 !-3!1-41 .

12-4(-13 !$-2(-22 !$-2(-22 .

13-2-(1 $2-$3(-(4 $2-$3(-(4 .

1!-11-!1 $-$(-42 $-$(-42 .

1$-3-$21 ((-442-2 ((-442-2 .

1(-$14-31 !-3-((! !-3-((! .

1-23-!42 !-2!3-(3 !-2!3-(3 .

2-!4!-42$ 1!-4$3-33 1!-4$3-33 .

22-1-$ 11$-$4-$1 11$-$4-$1 .

23-$4-14 12-2-12 12-2-12 .

124-31-$ 3.!(

12-32-3 4.

131-$2-44 4.1

13!-4$-3 4.4

13-23-!( 4.$4

141-1!$- 4.

143-(3!-$ !.1(

14!-11-!! !.4


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14(-$-3 !.4 1

14-(44-3 $.23 2

14-222-$3 $.$

14-4-2( (.1

14(-((-41( (.(

14!-$1-$!2 .4( 142-2-( .2

13(-$!3-$$ 1.2$

131-!2$-2( 11.4!

123-(-$ 12.4

113-2-311 14.$

12-14- 1(.42

(-!-$41 21.

(-(-(4! 2$.3

!-(31-4 3!.34

2(-2$(- !3.2!

1(.

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retirement calculator based on withdrawal rate

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