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    NPS Calculator Free Download Excel

    Uploaded by

    sambhavjoshi
    The document provides inputs for a simple retirement planning calculator, including the user's current age of 25 and planned retirement age of 60, monthly contribution amount of Rs. 4,167, and expected annual returns and asset allocation of 60% equity, 30% government bonds, and 10% corporate bonds for an expected return of 9.4%. The results show that with a total investment of Rs. 1,800,000 over 35 years, the expected corpus at retirement (age 60) is Rs. 14,191,574, of which Rs. 8,514,944 can be withdrawn tax-free and Rs. 5,676,630 can be used to purchase an annuity generating a monthly pension of Rs. 28,383

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    Download as XLSX, PDF, TXT or read online from Scribd

    NPS Calculator Free Download Excel

    Uploaded by

    sambhavjoshi
    509 views7 pages
    The document provides inputs for a simple retirement planning calculator, including the user's current age of 25 and planned retirement age of 60, monthly contribution amount of Rs. 4,167, and expected annual returns and asset allocation of 60% equity, 30% government bonds, and 10% corporate bonds for an expected return of 9.4%. The results show that with a total investment of Rs. 1,800,000 over 35 years, the expected corpus at retirement (age 60) is Rs. 14,191,574, of which Rs. 8,514,944 can be withdrawn tax-free and Rs. 5,676,630 can be used to purchase an annuity generating a monthly pension of Rs. 28,383

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    NPS calculator

    Original Title

    NPS-Calculator-Free-Download-Excel

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    The document provides inputs for a simple retirement planning calculator, including the user's current age of 25 and planned retirement age of 60, monthly contribution amount of Rs. 4,167, and expected annual returns and asset allocation of 60% equity, 30% government bonds, and 10% corporate bonds for an expected return of 9.4%. The results show that with a total investment of Rs. 1,800,000 over 35 years, the expected corpus at retirement (age 60) is Rs. 14,191,574, of which Rs. 8,514,944 can be withdrawn tax-free and Rs. 5,676,630 can be used to purchase an annuity generating a monthly pension of Rs. 28,383

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
    509 views7 pages

    NPS Calculator Free Download Excel

    Uploaded by

    sambhavjoshi
    The document provides inputs for a simple retirement planning calculator, including the user's current age of 25 and planned retirement age of 60, monthly contribution amount of Rs. 4,167, and expected annual returns and asset allocation of 60% equity, 30% government bonds, and 10% corporate bonds for an expected return of 9.4%. The results show that with a total investment of Rs. 1,800,000 over 35 years, the expected corpus at retirement (age 60) is Rs. 14,191,574, of which Rs. 8,514,944 can be withdrawn tax-free and Rs. 5,676,630 can be used to purchase an annuity generating a monthly pension of Rs. 28,383

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
    of 7

    Age Inputs

    Contribution
    Inputs

    Simple NPS Inputs


    Calculator Expected
    Returns &
    Asset
    Allocation
    Inputs

    Withdrawal
    Choices
    Only fill data in yellow cells
    Current Age (years) 25

    Retirement Age (years) 60

    Starting Corpus (if any) -

    Monthly Contribution (Rs) 4,167

    Annual Contribution (Rs) 50,000


    Results
    Annual Increase (%) 0%

    Allocation Returns

    E - Equity 60% 11%

    G - (Govt. Debt/Bonds) 30% 7%

    C - (Corp. Debt/Bonds) 10% 7%

    Exp. Returns (Before Taxes) 9.40%

    Lumpsum Withdrawal 60%

    Annuity Purchase (min 40%) 40%

    Anuity Rate (curr. 5-7%) 6%


    Total Amount Invested 1,800,000

    Total Corpus Accumulated @ 60 14,191,574

    Amount available for Tax-Free Tax Free in hands of


    Withdrawal 8,514,944 Retiree

    Tax Free while


    Amount used for Annuity Purchase 5,676,630 purchasing Annuity

    Monthly Pension generated at 6% Taxable as per tax


    annually; before taxes 28,383 slab of retireee

    Figures are indicative only


    Age SoY Annual Cont Port Returns EoY
    25 - 50,000 9.40% 54,700
    26 54,700 50,000 9.40% 114,542
    27 114,542 50,000 9.40% 180,009
    28 180,009 50,000 9.40% 251,630
    29 251,630 50,000 9.40% 329,983
    30 329,983 50,000 9.40% 415,701
    31 415,701 50,000 9.40% 509,477
    32 509,477 50,000 9.40% 612,068
    33 612,068 50,000 9.40% 724,302
    34 724,302 50,000 9.40% 847,087
    35 847,087 50,000 9.40% 981,413
    36 981,413 50,000 9.40% 1,128,366
    37 1,128,366 50,000 9.40% 1,289,132
    38 1,289,132 50,000 9.40% 1,465,010
    39 1,465,010 50,000 9.40% 1,657,421
    40 1,657,421 50,000 9.40% 1,867,919
    41 1,867,919 50,000 9.40% 2,098,203
    42 2,098,203 50,000 9.40% 2,350,134
    43 2,350,134 50,000 9.40% 2,625,747
    44 2,625,747 50,000 9.40% 2,927,267
    45 2,927,267 50,000 9.40% 3,257,130
    46 3,257,130 50,000 9.40% 3,618,001
    47 3,618,001 50,000 9.40% 4,012,793
    48 4,012,793 50,000 9.40% 4,444,695
    49 4,444,695 50,000 9.40% 4,917,197
    50 4,917,197 50,000 9.40% 5,434,113
    51 5,434,113 50,000 9.40% 5,999,620
    52 5,999,620 50,000 9.40% 6,618,284
    53 6,618,284 50,000 9.40% 7,295,103
    54 7,295,103 50,000 9.40% 8,035,542
    55 8,035,542 50,000 9.40% 8,845,583
    56 8,845,583 50,000 9.40% 9,731,768
    57 9,731,768 50,000 9.40% 10,701,254
    58 10,701,254 50,000 9.40% 11,761,872
    59 11,761,872 50,000 9.40% 12,922,188
    60 12,922,188 50,000 9.40% 14,191,574

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