marriage

Year 2010 2011 2012 2013

Age 25 26 27 28

Annual Cash inflows

Salary 600000.00 1200000.00 1320000.00 1452000.00

Bonuses and commission 50000.00 109000.00 0.00

Investment income 52350.00 154119.75 297757.52

Other income

Total 650000.00 1252350.00 1583119.75 1749757.52

Annual Cash outflows

House running (Food and Utilities) 120000.00 196200.00 213858.00 233105.22

House Rent 84000.00 137340.00 149700.60 163173.65

Transportation 24000.00 39240.00 42771.60 46621.04

Medical 12000.00 19620.00 21385.80 23310.52

Clothing 24000.00 39240.00 42771.60 46621.04

Education 12000.00 19620.00 21385.80 23310.52

Recreation (eatouts, movie etc) 18000.00 29430.00 32078.70 34965.78

Outstation holidays 18000.00 29430.00 32078.70 34965.78

Household assets purchase 15000.00 24525.00 26732.25 29138.15

maintenance expenses 12000.00 19620.00 21385.80 23310.52

Large investments

EMI

Other expenses 12000.00 19620.00 21385.80 23310.52

Total 351000.00 573885.00 625534.65 681832.77

Opening saving 50000.00 349000.00 1027465.00 1985050.10

Savings for year 299000.00 678465.00 957585.10 1067924.75

Closing savings 349000.00 1027465.00 1985050.10 3052974.85

Basic lifestyle expenses 336000.00 549360.00 598802.40 652694.62

Investment income 0.00 52350.00 154119.75 297757.52

Gap -336000.00 -497010.00 -444682.65 -354937.10

Assumptions

Salary increase 0.10 0.10 0.10 0.10

Inflation 0.09 0.09 0.09 0.09

Cash Returns on investments 0.15 0.15 0.15 0.15

Inflation index 100.00 109.00 118.81 129.50

Future value calulator

Today's amount 1000000

inflation 0.1

years 30

Future value calulation 17449402.27

1st child(A) 2nd child(B)

2014 2015 2016 2017 2018 2019

29 30 31 32 33 34

798600.00 878460.00 966306.00 1062936.60 1169230.26 1286153.29

59405.00 0.00 64751.45 0.00 70579.08 0.00

457946.23 543859.25 635694.31 753258.10 881317.91 1042124.37

1315951.23 1422319.25 1666751.76 1816194.70 2121127.25 2328277.65

254084.69 276952.31 301878.02 329047.04 358661.28 390940.79

177859.28 193866.62 211314.61 230332.93 251062.89 273658.55

50816.94 55390.46 60375.60 65809.41 71732.26 78188.16

25408.47 27695.23 30187.80 32904.70 35866.13 39094.08

50816.94 55390.46 60375.60 65809.41 71732.26 78188.16

25408.47 27695.23 30187.80 32904.70 35866.13 39094.08

38112.70 41542.85 45281.70 49357.06 53799.19 58641.12

38112.70 41542.85 45281.70 49357.06 53799.19 58641.12

31760.59 34619.04 37734.75 41130.88 44832.66 48867.60

25408.47 27695.23 30187.80 32904.70 35866.13 39094.08

25408.47 27695.23 30187.80 32904.70 35866.13 39094.08

743197.72 810085.51 882993.21 962462.60 1049084.23 1143501.81

3052974.85 3625728.36 4237962.10 5021720.65 5875452.75 6947495.78

572753.51 612233.74 783758.56 853732.10 1072043.02 1184775.84

3625728.36 4237962.10 5021720.65 5875452.75 6947495.78 8132271.62

711437.13 775466.47 845258.46 921331.72 1004251.57 1094634.21

457946.23 543859.25 635694.31 753258.10 881317.91 1042124.37

-253490.90 -231607.22 -209564.14 -168073.62 -122933.66 -52509.85

0.10 0.10 0.10 0.10 0.10 0.10

0.09 0.09 0.09 0.09 0.09 0.09

0.15 0.15 0.15 0.15 0.15 0.15

141.16 153.86 167.71 182.80 199.26 217.19

2020 2021 2022 2023 2024

35 36 37 38 39

1414768.61 1556245.48 1711870.02 1883057.03 2071362.73

76931.20 0.00 83855.01 0.00 91401.96

1219840.74 1439609.28 1685198.32 1985206.62 2323324.25

2711540.55 2995854.76 3480923.35 3868263.64 4486088.93

426125.46 464476.75 506279.66 551844.83 601510.86

298287.82 325133.73 354395.76 386291.38 421057.61

85225.09 92895.35 101255.93 110368.97 120302.17

42612.55 46447.68 50627.97 55184.48 60151.09

85225.09 92895.35 101255.93 110368.97 120302.17

42612.55 46447.68 50627.97 55184.48 60151.09

63918.82 69671.51 75941.95 82776.72 90226.63

63918.82 69671.51 75941.95 82776.72 90226.63

53265.68 58059.59 63284.96 68980.60 75188.86

42612.55 46447.68 50627.97 55184.48 60151.09

42612.55 46447.68 50627.97 55184.48 60151.09

1246416.97 1358594.50 1480868.01 1614146.13 1759419.28

8132271.62 9597395.20 11234655.45 13234710.79 15488828.31

1465123.58 1637260.25 2000055.34 2254117.52 2726669.65

9597395.20 11234655.45 13234710.79 15488828.31 18215497.96

1193151.29 1300534.91 1417583.05 1545165.52 1684230.42

1219840.74 1439609.28 1685198.32 1985206.62 2323324.25

26689.45 139074.37 267615.27 440041.09 639093.82

0.10 0.10 0.10 0.10 0.10

0.09 0.09 0.09 0.09 0.09

0.15 0.15 0.15 0.15 0.15

236.74 258.04 281.27 306.58 334.17

2025 2026 2027 2028 2029

40 41 42 43 44

2278499.00 2506348.90 2756983.79 3032682.17 3335950.39

0.00 99628.13 0.00 108594.66 0.00

2732324.69 3196283.20 3753067.32 4387800.14 5144627.10

5010823.70 5802260.23 6510051.11 7529076.98 8480577.49

655646.84 714655.06 778974.01 849081.68 925499.03

458952.79 500258.54 545281.81 594357.17 647849.32

131129.37 142931.01 155794.80 169816.34 185099.81

65564.68 71465.51 77897.40 84908.17 92549.90

131129.37 142931.01 155794.80 169816.34 185099.81

65564.68 71465.51 77897.40 84908.17 92549.90

98347.03 107198.26 116846.10 127362.25 138824.85

98347.03 107198.26 116846.10 127362.25 138824.85

81955.86 89331.88 97371.75 106135.21 115687.38

65564.68 71465.51 77897.40 84908.17 92549.90

65564.68 71465.51 77897.40 84908.17 92549.90

1917767.02 2090366.05 2278498.99 2483563.90 2707084.65

18215497.96 21308554.64 25020448.82 29252000.95 34297514.02

3093056.68 3711894.18 4231552.12 5045513.08 5773492.84

21308554.64 25020448.82 29252000.95 34297514.02 40071006.86

1835811.16 2001034.16 2181127.24 2377428.69 2591397.27

2732324.69 3196283.20 3753067.32 4387800.14 5144627.10

896513.53 1195249.03 1571940.08 2010371.45 2553229.83

0.10 0.10 0.10 0.10 0.10

0.09 0.09 0.09 0.09 0.09

0.15 0.15 0.15 0.15 0.15

364.25 397.03 432.76 471.71 514.17

A -college B -college

2030 2031 2032 2033

45 46 47 48

3669545.43 4036499.97 4440149.97 4884164.96

118368.18 0.00 129021.32 0.00

6010651.03 7037827.39 8216533.40 9608526.13

9798564.64 11074327.35 12785704.68 14492691.09

1008793.94 1099585.39 1198548.08 1306417.40

706155.76 769709.77 838983.65 914492.18

201758.79 219917.08 239709.62 261283.48

100879.39 109958.54 119854.81 130641.74

201758.79 219917.08 239709.62 261283.48

100879.39 109958.54 119854.81 130641.74

151319.09 164937.81 179782.21 195962.61

151319.09 164937.81 179782.21 195962.61

126099.24 137448.17 149818.51 163302.18

100879.39 109958.54 119854.81 130641.74

100879.39 109958.54 119854.81 130641.74

2950722.27 3216287.27 3505753.13 3821270.91

40071006.86 46918849.23 54776889.32 64056840.87

6847842.37 7858040.08 9279951.56 10671420.18

46918849.23 54776889.32 64056840.87 74728261.06

2824623.03 3078839.10 3355934.62 3657968.73

6010651.03 7037827.39 8216533.40 9608526.13

3186028.00 3958988.29 4860598.78 5950557.40

0.10 0.10 0.10 0.10

0.09 0.09 0.09 0.09

0.15 0.15 0.15 0.15

560.44 610.88 665.86 725.79

2034 2035 2036 2037

49 50 51 52

5372581.46 5909839.61 6500823.57 7150905.92

140633.24 0.00 153290.23 0.00

11209239.16 13092829.44 15262222.01 17807373.88

16722453.86 19002669.05 21916335.80 24958279.80

1423994.97 1552154.52 1691848.43 1844114.78

996796.48 1086508.16 1184293.90 1290880.35

284798.99 310430.90 338369.69 368822.96

142399.50 155215.45 169184.84 184411.48

284798.99 310430.90 338369.69 368822.96

142399.50 155215.45 169184.84 184411.48

213599.25 232823.18 253777.26 276617.22

213599.25 232823.18 253777.26 276617.22

177999.37 194019.31 211481.05 230514.35

142399.50 155215.45 169184.84 184411.48

142399.50 155215.45 169184.84 184411.48

4165185.29 4540051.97 4948656.64 5394035.74

74728261.06 87285529.62 101748146.70 118715825.86

12557268.57 14462617.08 16967679.16 19564244.06

87285529.62 101748146.70 118715825.86 138280069.92

3987185.92 4346032.65 4737175.59 5163521.39

11209239.16 13092829.44 15262222.01 17807373.88

7222053.24 8746796.79 10525046.41 12643852.48

0.10 0.10 0.10 0.10

0.09 0.09 0.09 0.09

0.15 0.15 0.15 0.15

791.11 862.31 939.92 1024.51

2038 2039 2040 2041

53 54 55 56

7865996.51 8652596.17 9517855.78 10469641.36

167086.35 0.00 182124.12 0.00

20742010.49 24176349.65 28139393.44 32767484.53

28775093.35 32828945.81 37839373.34 43237125.89

2010085.11 2190992.77 2388182.12 2603118.52

1407059.58 1533694.94 1671727.49 1822182.96

402017.02 438198.55 477636.42 520623.70

201008.51 219099.28 238818.21 260311.85

402017.02 438198.55 477636.42 520623.70

201008.51 219099.28 238818.21 260311.85

301512.77 328648.92 358227.32 390467.78

301512.77 328648.92 358227.32 390467.78

251260.64 273874.10 298522.77 325389.81

201008.51 219099.28 238818.21 260311.85

201008.51 219099.28 238818.21 260311.85

5879498.96 6408653.87 6985432.71 7614121.66

138280069.92 161175664.31 187595956.26 218449896.89

22895594.39 26420291.95 30853940.63 35623004.24

161175664.31 187595956.26 218449896.89 254072901.13

5628238.32 6134779.77 6686909.95 7288731.84

20742010.49 24176349.65 28139393.44 32767484.53

15113772.17 18041569.88 21452483.49 25478752.69

0.10 0.10 0.10 0.10

0.09 0.09 0.09 0.09

0.15 0.15 0.15 0.15

1116.71 1217.22 1326.77 1446.18

2042 2043 2044

57 58 59

11516605.50 12668266.05 13935092.65

198515.29 0.00 216381.67

38110935.17 44339934.67 51534214.09

49826055.96 57008200.72 65685688.41

2837399.18 3092765.11 3371113.97

1986179.43 2164935.58 2359779.78

567479.84 618553.02 674222.79

283739.92 309276.51 337111.40

567479.84 618553.02 674222.79

283739.92 309276.51 337111.40

425609.88 463914.77 505667.10

425609.88 463914.77 505667.10

354674.90 386595.64 421389.25

283739.92 309276.51 337111.40

283739.92 309276.51 337111.40

8299392.61 9046337.94 9860508.36

254072901.13 295599564.48 343561427.26

41526663.35 47961862.78 55825180.05

295599564.48 343561427.26 399386607.31

7944717.71 8659742.30 9439119.11

38110935.17 44339934.67 51534214.09

30166217.46 35680192.37 42095094.98

0.10 0.10 0.10

0.09 0.09 0.09

0.15 0.15 0.15

1576.33 1718.20 1872.84

2045 2046 2047

60 61 62

15328601.92

0.00

59907991.10 69581286.93 78261189.48

75236593.01 69581286.93 78261189.48

3674514.23 4005220.51 4365690.35

2572159.96 2803654.35 3055983.25

734902.85 801044.10 873138.07

367451.42 400522.05 436569.04

734902.85 801044.10 873138.07

367451.42 400522.05 436569.04

551177.13 600783.08 654853.55

551177.13 600783.08 654853.55

459314.28 500652.56 545711.29

367451.42 400522.05 436569.04

367451.42 400522.05 436569.04

10747954.11 11715269.98 12769644.28

399386607.31 463875246.22 521741263.17

64488638.90 57866016.95 65491545.20

463875246.22 521741263.17 587232808.37

10288639.83 11214617.42 12223932.98

59907991.10 69581286.93 78261189.48

49619351.27 58366669.52 66037256.49

0.00 0.00 0.00

0.09 0.09 0.09

0.15 0.15 0.15

2041.40 2225.12 2425.38

2048 2049 2050

63 64 65

88084921.26 99209822.60 111815553.84

88084921.26 99209822.60 111815553.84

4758602.48 5186876.71 5653695.61

3331021.74 3630813.69 3957586.93

951720.50 1037375.34 1130739.12

475860.25 518687.67 565369.56

951720.50 1037375.34 1130739.12

475860.25 518687.67 565369.56

713790.37 778031.51 848054.34

713790.37 778031.51 848054.34

594825.31 648359.59 706711.95

475860.25 518687.67 565369.56

475860.25 518687.67 565369.56

13918912.26 15171614.37 16537059.66

587232808.37 661398817.36 745437025.60

74166008.99 84038208.24 95278494.18

661398817.36 745437025.60 840715519.78

13324086.95 14523254.78 15830347.71

88084921.26 99209822.60 111815553.84

74760834.30 84686567.83 95985206.13

0.00 0.00 0.00

0.09 0.09 0.09

0.15 0.15 0.15

2643.67 2881.60 3140.94

2051 2052 2053

66 67 68

126107327.97 142319617.91 160720408.51

126107327.97 142319617.91 160720408.51

6162528.21 6717155.75 7321699.77

4313769.75 4702009.03 5125189.84

1232505.64 1343431.15 1464339.95

616252.82 671715.58 732169.98

1232505.64 1343431.15 1464339.95

616252.82 671715.58 732169.98

924379.23 1007573.36 1098254.97

924379.23 1007573.36 1098254.97

770316.03 839644.47 915212.47

616252.82 671715.58 732169.98

616252.82 671715.58 732169.98

18025395.03 19647680.58 21415971.83

840715519.78 948797452.72 1071469390.05

108081932.94 122671937.33 139304436.67

948797452.72 1071469390.05 1210773826.72

17255079.00 18808036.11 20500759.36

126107327.97 142319617.91 160720408.51

108852248.97 123511581.80 140219649.15

0.00 0.00 0.00

0.09 0.09 0.09

0.15 0.15 0.15

3423.63 3731.75 4067.61

2054 2055 2056

69 70 71

181616074.01 205356973.71 232343872.35

181616074.01 205356973.71 232343872.35

7980652.75 8698911.50 9481813.53

5586456.93 6089238.05 6637269.47

1596130.55 1739782.30 1896362.71

798065.28 869891.15 948181.35

1596130.55 1739782.30 1896362.71

798065.28 869891.15 948181.35

1197097.91 1304836.72 1422272.03

1197097.91 1304836.72 1422272.03

997581.59 1087363.94 1185226.69

798065.28 869891.15 948181.35

798065.28 869891.15 948181.35

23343409.30 25444316.13 27734304.59

1210773826.72 1369046491.43 1548959149.01

158272664.71 179912657.58 204609567.77

1369046491.43 1548959149.01 1753568716.78

22345827.70 24356952.20 26549077.89

181616074.01 205356973.71 232343872.35

159270246.30 181000021.52 205794794.46

0.00 0.00 0.00

0.09 0.09 0.09

0.15 0.15 0.15

4433.70 4832.73 5267.67

2057 2058 2059

72 73 74

263035307.52 297956044.84 337706782.48

263035307.52 297956044.84 337706782.48

10335176.75 11265342.66 12279223.50

7234623.73 7885739.86 8595456.45

2067035.35 2253068.53 2455844.70

1033517.68 1126534.27 1227922.35

2067035.35 2253068.53 2455844.70

1033517.68 1126534.27 1227922.35

1550276.51 1689801.40 1841883.52

1550276.51 1689801.40 1841883.52

1291897.09 1408167.83 1534902.94

1033517.68 1126534.27 1227922.35

1033517.68 1126534.27 1227922.35

30230392.00 32951127.28 35916728.73

1753568716.78 1986373632.30 2251378549.86

232804915.52 265004917.57 301790053.75

1986373632.30 2251378549.86 2553168603.61

28938494.90 31542959.45 34381825.80

263035307.52 297956044.84 337706782.48

234096812.61 266413085.40 303324956.68

0.00 0.00 0.00

0.09 0.09 0.09

0.15 0.15 0.15

5741.76 6258.52 6821.79

2060 2061 2062

75 76 77

382975290.54 434549198.97 493330679.01

382975290.54 434549198.97 493330679.01

13384353.61 14588945.44 15901950.53

9369047.53 10212261.81 11131365.37

2676870.72 2917789.09 3180390.11

1338435.36 1458894.54 1590195.05

2676870.72 2917789.09 3180390.11

1338435.36 1458894.54 1590195.05

2007653.04 2188341.82 2385292.58

2007653.04 2188341.82 2385292.58

1673044.20 1823618.18 1987743.82

1338435.36 1458894.54 1590195.05

1338435.36 1458894.54 1590195.05

39149234.32 42672665.41 46513205.30

2553168603.61 2896994659.83 3288871193.39

343826056.22 391876533.57 446817473.71

2896994659.83 3288871193.39 3735688667.11

37476190.12 40849047.23 44525461.48

382975290.54 434549198.97 493330679.01

345499100.42 393700151.75 448805217.53

0.00 0.00 0.00

0.09 0.09 0.09

0.15 0.15 0.15

7435.75 8104.97 8834.42

2063 2064 2065

78 79 80

560353300.07 636801386.01 724032243.03

560353300.07 636801386.01 724032243.03

17333126.08 18893107.42 20593487.09

12133188.25 13225175.20 14415440.96

3466625.22 3778621.48 4118697.42

1733312.61 1889310.74 2059348.71

3466625.22 3778621.48 4118697.42

1733312.61 1889310.74 2059348.71

2599968.91 2833966.11 3089023.06

2599968.91 2833966.11 3089023.06

2166640.76 2361638.43 2574185.89

1733312.61 1889310.74 2059348.71

1733312.61 1889310.74 2059348.71

50699393.77 55262339.21 60235949.74

3735688667.11 4245342573.40 4826881620.20

509653906.29 581539046.80 663796293.29

4245342573.40 4826881620.20 5490677913.49

48532753.01 52900700.78 57661763.85

560353300.07 636801386.01 724032243.03

511820547.05 583900685.23 666370479.18

0.00 0.00 0.00

0.09 0.09 0.09

0.15 0.15 0.15

9629.51 10496.17 11440.83

2066 2067

81 82

823601687.02 937293362.29

823601687.02 937293362.29

22446900.93 24467122.01

15712830.65 17126985.41

4489380.19 4893424.40

2244690.09 2446712.20

4489380.19 4893424.40

2244690.09 2446712.20

3367035.14 3670068.30

3367035.14 3670068.30

2805862.62 3058390.25

2244690.09 2446712.20

2244690.09 2446712.20

65657185.22 71566331.89

5490677913.49 6248622415.30

757944501.81 865727030.41

6248622415.30 7114349445.70

62851322.60 68507941.64

823601687.02 937293362.29

760750364.42 868785420.66

0.00 0.00

0.09 0.09

0.15 0.15

12470.50 13592.85

2010 Currently single

2011 Raj and Preeti get married

2014 First child

2016 Second child

Rs. 10.00

-10000 1000 4000 5000

Rs. -901.41

Rs. 15,116.15

Rs. -379.08

4.177248

Today's amount 1000

inflation 10%

years 2

future value 1210

3000 3000 3000 3000