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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
$et corpus to be saed
Initial mont"ly inestment re+uired
if years to retirement is set to ,ero- total corpus re+uired is set to amount inested so far
the net corpus to be saed will be shown as ,ero
intial monthly inestment re+d then cannot be calculated and is ,et to ,ero
n this the annuity or pension may turn out lower than future monthly e#penses.
/ou would need to ad0ust others parameters until they reasonably match
!!!.faceboo%.comfreefincal
isit for ot"er free calculators2 freefincal.!ordpress.com
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7/25/2019 Retirement Calculator Based on Withdrawal Rate
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7/25/2019 Retirement Calculator Based on Withdrawal Rate
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'urrent year 212
e at t"e end of current year 3
'urrent 3ross pre-tax Mont"ly Salary 1-
nnual increase of mont"ly salary 1
'S4 560 '4R7
Present Post-tax Pre-tax 3ro!t" of
8our Mont"ly Mont"ly 3ross-salary Mont"ly Mont"ly future
e 8ear inestment Expenses mont"ly nnuity nnuity mon. in.
3 212 4- 1-
3 213 !4-4 43-2 11- (12-(2
4 214 !$-$( 4$-$!$ 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
#*
7/25/2019 Retirement Calculator Based on Withdrawal Rate
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Retirement Planner
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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-$$$ 1-21$-2!
2 2!$ 1-12-23 1-12-23 1-313-!
3 2!( 1-2($-1 1-2($-1 1-41-$(
4 2! 1-3(-$3 1-3(-$3 1-!32-12
! 2! 1-4-2 1-4-2 1-$!4-(!$
$ 2$ 1-$-423 1-$-423 1-((-13(
( 2$1 1-(3(-( 1-(3(-( 1-3-1
2$2 1-($-$! 1-($-$! 2-4-!1$
2$3 2-2$-1! 2-2$-1! 2-2!1-2((
2$4 2-1-242 2-1-242 2-431-3
7/25/2019 Retirement Calculator Based on Withdrawal Rate
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7/25/2019 Retirement Calculator Based on Withdrawal Rate
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3ro!t" of 7otal Ret. 'orpus 0it"dra!al
amt. in. 'orpus year-end rate
so far accumulated balance
3-- 3-- 3-- .
3-24- 3-!2-(2 3-!2-(2 .
3-4-2 !-1(-311 !-1(-311 .
3-((-13$ $-24-($4 $-24-($4 .
4-1-4$( (-!2(-123 (-!2(-123 .
4-4(-4 -(-!41 -(-!41 .
4-($-$23 1-$3-32 1-$3-32 .
!-141-4(3 12-441-33 12-441-33 .!-!!2-(1 14-44(-!4$ 14-44(-!4$ .
!-(-14 1$-$$(-(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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