40 year financial planning template

8/4/2019 40 Year Financial Planning Template

http://slidepdf.com/reader/full/40-year-financial-planning-template 1/62

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

Year 2011 2012 2013 2014

Age 30 31 32 33

Annual Cash inflows

Salary 1600000.00 1100000.00 1210000.00 1391500.00

Bonuses and commission 200000.00 242000.00 278300.00

Other income

Total 1800000.00 1100000.00 1452000.00 1669800.00

Annual Cash outflows

House running (Food and Utilities) 150000.00 163500.00 178215.00 194254.35

House Rent 180000.00 196200.00 213858.00 233105.22

Transportation 36000.00 39240.00 42771.60 46621.04

Medical 15000.00 16350.00 17821.50 19425.44

Clothing 30000.00 32700.00 35643.00 38850.87Education 12000.00 13080.00 14257.20 15540.35

Recreation (eatouts, movie etc) 30000.00 32700.00 35643.00 38850.87

Outstation holidays 30000.00 32700.00 35643.00 38850.87

Household assets purchase 100000.00 109000.00 118810.00 129502.90

maintenance expenses 12000.00 13080.00 14257.20 15540.35

Large investments 0.00 0.00 0.00 0.00

EMI 0.00 0.00 0.00 0.00

Other expenses 12000.00 13080.00 14257.20 15540.35

Total 607000.00 661630.00 721176.70 786082.60

Savings for the year 1193000.00 438370.00 730823.30 883717.40

Opening saving 0.00 1193000.00 1631370.00 2362193.30

Return on Investments 95440.00 130509.60 188975.46

Savings for year 1193000.00 438370.00 730823.30 883717.40

Closing savings 1193000.00 1631370.00 2362193.30 3245910.70

Basic lifestyle expenses 607000.00 661630.00 721176.70 786082.60

Investment income 0.00 95440.00 130509.60 188975.46

Gap -607000.00 -566190.00 -590667.10 -597107.14

Assumptions

Salary increase 0.10 0.10 0.15 0.10

Inflation 0.09 0.09 0.09 0.09Cash Returns on investments 0.08 0.08 0.08 0.08

Inflation index 100.00 109.00 118.81 129.50

Future value calulator

Today's amount 1500000

inflation 0.1

years 16



Future value calulation 6892459.48



2015 2016 2017 2018 2019 2020

34 35 36 37 38 39

1530650.00 1989845.00 2188829.50 2407712.45 3611568.68 3972725.54

306130.00 397969.00 437765.90 481542.49 722313.74 794545.11

1836780.00 2387814.00 2626595.40 2889254.94 4333882.41 4767270.65

211737.24 230793.59 251565.02 266658.92 282658.45 299617.96

254084.69 276952.31 301878.02 319990.70 339190.14 359541.55

50816.94 55390.46 60375.60 63998.14 67838.03 71908.31

21173.72 23079.36 25156.50 26665.89 28265.85 29961.80

42347.45 46158.72 50313.00 53331.78 56531.69 59923.5946938.98 51163.49 35000.00 37100.00 39326.00 41685.56

42347.45 46158.72 50313.00 53331.78 56531.69 59923.59

42347.45 46158.72 50313.00 53331.78 56531.69 59923.59

141158.16 153862.40 167710.01 177772.61 188438.97 199745.31

16938.98 18463.49 20125.20 21332.71 22612.68 23969.44

0.00 0.00 0.00 1000000.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

16938.98 18463.49 20125.20 21332.71 22612.68 23969.44

886830.04 966644.74 1032874.57 2094847.04 1160537.86 1230170.13

949949.96 1421169.26 1593720.83 794407.90 3173344.55 3537100.52

3245910.70 4195860.66 5617029.92 7210750.75 8005158.65 11178503.20

259672.86 335668.85 449362.39 576860.06 640412.69 894280.26

949949.96 1421169.26 1593720.83 794407.90 3173344.55 3537100.52

4195860.66 5617029.92 7210750.75 8005158.65 11178503.20 14715603.72

886830.04 966644.74 1032874.57 1094847.04 1160537.86 1230170.13

259672.86 335668.85 449362.39 576860.06 640412.69 894280.26

-627157.18 -630975.89 -583512.17 -517986.98 -520125.17 -335889.88

0.30 0.10 0.10 0.50 0.10 0.10

0.09 0.09 0.06 0.06 0.06 0.060.08 0.08 0.08 0.08 0.08 0.08

141.16 153.86 167.71 177.77 188.44 199.75



2021 2022 2023 2024 2025

40 41 42 43 44

4369998.10 4806997.91 6249097.28 8123826.46 10560974.40

873999.62 961399.58 1249819.46 1624765.29 2112194.88

5243997.72 5768397.49 7498916.73 9748591.75 12673169.28

317595.04 336650.74 356849.78 378260.77 400956.42

381114.04 403980.89 428219.74 453912.93 481147.70

76222.81 80796.18 85643.95 90782.59 96229.54

31759.50 33665.07 35684.98 37826.08 40095.64

63519.01 67330.15 71369.96 75652.15 80191.2844186.69 46837.90 49648.17 52627.06 55784.68

63519.01 67330.15 71369.96 75652.15 80191.28

63519.01 67330.15 71369.96 75652.15 80191.28

211730.02 224433.83 237899.86 252173.85 267304.28

25407.60 26932.06 28547.98 30260.86 32076.51

0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

25407.60 26932.06 28547.98 30260.86 32076.51

1303980.34 1382219.16 1465152.31 1553061.45 1646245.14

3940017.37 4386178.33 6033764.42 8195530.30 11026924.14

14715603.72 18655621.09 23041799.42 29075563.84 37271094.14

1177248.30 1492449.69 1843343.95 2326045.11 2981687.53

3940017.37 4386178.33 6033764.42 8195530.30 11026924.14

18655621.09 23041799.42 29075563.84 37271094.14 48298018.28

1303980.34 1382219.16 1465152.31 1553061.45 1646245.14

1177248.30 1492449.69 1843343.95 2326045.11 2981687.53

-126732.04 110230.52 378191.64 772983.66 1335442.39

0.10 0.30 0.30 0.30 0.30

0.06 0.06 0.06 0.06 0.060.08 0.08 0.08 0.08 0.08

211.73 224.43 237.90 252.17 267.30



A -college

2026 2027 2028 2029 2030

45 46 47 48 49

13729266.72 17848046.74 23202460.76 30163198.99 39212158.68

2745853.34 3569609.35 4640492.15 6032639.80 7842431.74

16475120.06 21417656.08 27842952.91 36195838.78 47054590.42

425013.80 450514.63 477545.51 506198.24 536570.13

510016.56 540617.56 573054.61 607437.89 643884.16

102003.31 108123.51 114610.92 121487.58 128776.83

42501.38 45051.46 47754.55 50619.82 53657.01

85002.76 90102.93 95509.10 101239.65 107314.0359131.76 62679.67 66440.45 7070426.88 94652.49

85002.76 90102.93 95509.10 101239.65 107314.03

85002.76 90102.93 95509.10 101239.65 107314.03

283342.53 300343.09 318363.67 337465.49 357713.42

34001.10 36041.17 38203.64 40495.86 42925.61

0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00

34001.10 36041.17 38203.64 40495.86 42925.61

1745019.85 1849721.04 1960704.30 9078346.56 2223047.35

14730100.22 19567935.05 25882248.61 27117492.22 44831543.07

48298018.28 63028118.50 82596053.55 108478302.16 135595794.38

3863841.46 5042249.48 6607684.28 8678264.17 10847663.55

14730100.22 19567935.05 25882248.61 27117492.22 44831543.07

63028118.50 82596053.55 108478302.16 135595794.38 180427337.45

1745019.85 1849721.04 1960704.30 9078346.56 2223047.35

3863841.46 5042249.48 6607684.28 8678264.17 10847663.55

2118821.62 3192528.44 4646979.98 -400082.38 8624616.20

0.30 0.30 0.30 0.30 0.30

0.06 0.06 0.06 0.06 0.060.08 0.08 0.08 0.08 0.08

283.34 300.34 318.36 337.47 357.71



B -college

2031 2032 2033 2034

50 51 52 53

50975806.28 66268548.17 86149112.62 111993846.41

10195161.26 13253709.63 17229822.52 22398769.28

61170967.54 79522257.80 103378935.15 134392615.69

568764.34 602890.20 639063.61 677407.43

682517.21 723468.24 766876.34 812888.92

136503.44 144693.65 153375.27 162577.78

56876.43 60289.02 63906.36 67740.74

113752.87 120578.04 127812.72 135481.498100331.64 86351.54 91532.63 97024.59

113752.87 120578.04 127812.72 135481.49

113752.87 120578.04 127812.72 135481.49

379176.23 401926.80 426042.41 451604.95

45501.15 48231.22 51125.09 54192.59

45501.15 48231.22 51125.09 54192.59

10356430.19 2477816.00 2626484.96 2784074.06

50814537.35 77044441.80 100752450.18 131608541.63

180427337.45 231241874.80 308286316.60 409038766.78

14434187.00 18499349.98 24662905.33 32723101.34

50814537.35 77044441.80 100752450.18 131608541.63

231241874.80 308286316.60 409038766.78 540647308.41

10356430.19 2477816.00 2626484.96 2784074.06

14434187.00 18499349.98 24662905.33 32723101.34

4077756.80 16021533.98 22036420.36 29939027.28

0.30 0.30 0.30 0.30

0.06 0.06 0.06 0.060.08 0.08 0.08 0.08

379.18 401.93 426.04 451.60



2035 2036 2037 2038

54 55 56 57

145592000.33 160151200.36 176166320.40 264249480.60

29118400.07 32030240.07 35233264.08 52849896.12

174710400.40 192181440.44 211399584.48 317099376.72

718051.88 761134.99 806803.09 855211.27

861662.25 913361.99 968163.71 1026253.53

172332.45 182672.40 193632.74 205250.71

71805.19 76113.50 80680.31 85521.13

143610.38 152227.00 161360.62 171042.25102846.06 109016.83 115557.84 122491.31

143610.38 152227.00 161360.62 171042.25

143610.38 152227.00 161360.62 171042.25

478701.25 507423.33 537868.73 570140.85

57444.15 60890.80 64544.25 68416.90

57444.15 60890.80 64544.25 68416.90

2951118.51 3128185.62 3315876.75 3514829.36

171759281.89 189053254.82 208083707.73 313584547.36

540647308.41 712406590.30 901459845.12 1109543552.85

43251784.67 56992527.22 72116787.61 88763484.23

171759281.89 189053254.82 208083707.73 313584547.36

712406590.30 901459845.12 1109543552.85 1423128100.21

2951118.51 3128185.62 3315876.75 3514829.36

43251784.67 56992527.22 72116787.61 88763484.23

40300666.17 53864341.61 68800910.86 85248654.87

0.10 0.10 0.50 0.10

0.06 0.06 0.06 0.060.08 0.08 0.08 0.08

478.70 507.42 537.87 570.14



2039 2040 2041 2042

58 59 60 61

290674428.66 0.00 0.00

58134885.73 0.00 0.00 0.00

348809314.39 0.00 0.00 0.00

906523.95 960915.39 1018570.31 1079684.53

1087828.74 1153098.46 1222284.37 1295621.43

217565.75 230619.69 244456.87 259124.29

90652.40 96091.54 101857.03 107968.45

181304.79 192183.08 203714.06 215936.91129840.78 137631.23 145889.10 154642.45

181304.79 192183.08 203714.06 215936.91

181304.79 192183.08 203714.06 215936.91

604349.30 640610.26 679046.87 719789.69

72521.92 76873.23 81485.62 86374.76

72521.92 76873.23 81485.62 86374.76

3725719.12 3949262.27 4186218.00 4437391.08

345083595.27 -3949262.27 -4186218.00 -4437391.08

1423128100.21 1768211695.48 1764262433.21 1760076215.21

113850248.02 141456935.64 141140994.66 140806097.22

345083595.27 -3949262.27 -4186218.00 -4437391.08

1768211695.48 1764262433.21 1760076215.21 1755638824.13

3725719.12 3949262.27 4186218.00 4437391.08

113850248.02 141456935.64 141140994.66 140806097.22

110124528.90 137507673.37 136954776.65 136368706.13

0.10 0.10 0.10 0.10

0.06 0.06 0.06 0.060.08 0.08 0.08 0.08

604.35 640.61 679.05 719.79



2043 2044 2045

62 63 64

0.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

1144465.60 1213133.54 1285921.55

1373358.72 1455760.24 1543105.86

274671.74 291152.05 308621.17

114446.56 121313.35 128592.15

228893.12 242626.71 257184.31163921.00 173756.26 184181.63

228893.12 242626.71 257184.31

228893.12 242626.71 257184.31

762977.07 808755.69 857281.03

91557.25 97050.68 102873.72

91557.25 97050.68 102873.72

4703634.55 4985852.62 5285003.78

-4703634.55 -4985852.62 -5285003.78

1755638824.13 1750935189.58 1745949336.96

140451105.93 140074815.17 139675946.96

-4703634.55 -4985852.62 -5285003.78

1750935189.58 1745949336.96 1740664333.18

4703634.55 4985852.62 5285003.78

140451105.93 140074815.17 139675946.96

135747471.38 135088962.55 134390943.18

0.10 0.10 0.10

0.06 0.06 0.060.08 0.08 0.08

762.98 808.76 857.28



2046 2047 2048

65 66 67

0.00

0.00

0.00 0.00 0.00

1363076.84 1444861.45 1531553.14

1635692.21 1733833.74 1837863.77

327138.44 346766.75 367572.75

136307.68 144486.15 153155.31

272615.37 288972.29 306310.63195232.53 206946.48 219363.27

272615.37 288972.29 306310.63

272615.37 288972.29 306310.63

908717.89 963240.97 1021035.43

109046.15 115588.92 122524.25

109046.15 115588.92 122524.25

5602104.00 5938230.24 6294524.06

-5602104.00 -5938230.24 -6294524.06

1740664333.18 1735062229.18 1729123998.93

139253146.65 138804978.33 138329919.91

-5602104.00 -5938230.24 -6294524.06

1735062229.18 1729123998.93 1722829474.87

5602104.00 5938230.24 6294524.06

139253146.65 138804978.33 138329919.91

133651042.65 132866748.09 132035395.86

0.00 0.00 0.00

0.06 0.06 0.060.08 0.08 0.08

908.72 963.24 1021.04



2049 2050 2051

68 69 70

0.00 0.00 0.00

1623446.33 1720853.11 1824104.29

1948135.59 2065023.73 2188925.15

389627.12 413004.75 437785.03

162344.63 172085.31 182410.43

324689.27 344170.62 364820.86232525.07 246476.57 261265.17

324689.27 344170.62 364820.86

324689.27 344170.62 364820.86

1082297.55 1147235.41 1216069.53

129875.71 137668.25 145928.34

129875.71 137668.25 145928.34

6672195.50 7072527.23 7496878.87

-6672195.50 -7072527.23 -7496878.87

1722829474.87 1716157279.37 1709084752.14

137826357.99 137292582.35 136726780.17

-6672195.50 -7072527.23 -7496878.87

1716157279.37 1709084752.14 1701587873.27

6672195.50 7072527.23 7496878.87

137826357.99 137292582.35 136726780.17

131154162.49 130220055.12 129229901.30

0.00 0.00 0.00

0.06 0.06 0.060.08 0.08 0.08

1082.30 1147.24 1216.07



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

Year 2011 2012 2013 2014

Age 30 31 32 33

Annual Cash inflows

Salary 1600000.00

Bonuses and commission 200000.00

Other income

Total 1800000.00

Annual Cash outflows

House running (Food and Utilities) 150000.00

House Rent 180000.00

Transportation 36000.00

Medical 15000.00

Clothing 30000.00

Education 12000.00

Recreation (eatouts, movie etc) 30000.00

Outstation holidays 30000.00

Household assets purchase 100000.00

maintenance expenses 12000.00

Large investments

EMI

Other expenses 12000.00

Total 607000.00Savings for the years 1193000.00

Opening saving 0.00

Return on Investments

Savings for year 1193000.00

Closing savings 1193000.00

Basic lifestyle expenses 607000.00

Investment income 0.00

Gap -607000.00

Assumptions

Salary increase 0.10 0.00 0.15 0.10

Inflation 0.09 0.09 0.09 0.09

Cash Returns on investments 0.20 0.20 0.20 0.20

Inflation index 100.00 109.00 118.81 129.50

Future value calulator



Today's amount 100000

inflation 0.15

years 25

Future value calulation 3291895.262



2015 2016 2017 2018 2019 2020

34 35 36 37 38 39

0.10 0.10 0.10 0.10 0.10 0.10

0.09 0.09 0.06 0.06 0.06 0.06

0.20 0.20 0.20 0.20 0.20 0.20

141.16 153.86 167.71 177.77 188.44 199.75



2021 2022 2023 2024 2025

40 41 42 43 44

0.10 0.10 0.10 0.10 0.10

0.06 0.06 0.06 0.06 0.06

0.20 0.20 0.20 0.20 0.20

211.73 224.43 237.90 252.17 267.30



2026 2027 2028 2029 2030

45 46 47 48 49

0.10 0.10 0.10 0.10 0.10

0.06 0.06 0.06 0.06 0.06

0.20 0.20 0.20 0.20 0.20

283.34 300.34 318.36 337.47 357.71



A -college B -college

2031 2032 2033 2034

50 51 52 53

0.10 0.10 0.10 0.10

0.06 0.06 0.06 0.06

0.20 0.20 0.20 0.20

379.18 401.93 426.04 451.60



2035 2036 2037 2038

54 55 56 57

0.10 0.10 0.10 0.10

0.06 0.06 0.06 0.06

0.20 0.20 0.20 0.20

478.70 507.42 537.87 570.14



2039 2040 2041 2042

58 59 60 61

0.10 0.10 0.10 0.10

0.06 0.06 0.06 0.06

0.20 0.20 0.20 0.20

604.35 640.61 679.05 719.79



2043 2044 2045 2046

62 63 64 65

0.10 0.10 0.10 0.00

0.06 0.06 0.06 0.06

0.20 0.20 0.20 0.20

762.98 808.76 857.28 908.72



2047 2048 2049

66 67 68

0.00 0.00 0.00

0.06 0.06 0.06

0.20 0.20 0.20

963.24 1021.04 1082.30



2050 2051 2052

69 70 71

0.00 0.00 0.00

0.06 0.06 0.06

0.20 0.20 0.20

1147.24 1216.07 1289.03



2053 2054 2055

72 73 74

0.00 0.00 0.00

0.06 0.06 0.06

0.20 0.20 0.20

1366.38 1448.36 1535.26



2056 2057 2058

75 76 77

0.00 0.00 0.00

0.06 0.06 0.06

0.20 0.20 0.20

1627.38 1725.02 1828.52



2059 2060 2061

78 79 80

0.00 0.00 0.00

0.06 0.06 0.06

0.20 0.20 0.20

1938.23 2054.52 2177.80



2062 2063 2064

81 82 83

0.00 0.00 0.00

0.06 0.06 0.06

0.20 0.20 0.20

2308.46 2446.97 2593.79



2065 2066 2067

84 85 86

0.00 0.00 0.00

0.06 0.06 0.06

0.20 0.20 0.20

2749.42 2914.38 3089.24



2068

87

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40 year financial planning template

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