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How to Plan for Early Retirement: Exclusive Retirement Calculator
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- Опубліковано 15 сер 2024
- In this video, we explain how you can plan your early retirement and how you can invest towards it, using our retirement corpus calculator: bit.ly/3w0IWzq
Download this calculator and edit as per your need, this will help you plan your retirement better and take into account the different expenses that might occur during your lifetime and how you can plan to keep the inflation in mind.
Wint Wealth: www.wintwealth...
0:00 - Intro
0:31 - Calculation starts
1:25 - Download Excel sheet
4:02 - Calculation of new investments for early retirement
6:15 - Calculation of expenses for future goals
7:40 - Final corpus
8:30 - Conclusion
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Twitter - / wintwealth
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Facebook - / wintwealth retirement planning
Retirement corpus calculator: bit.ly/3w0IWzq
This video is awesome, gives great clarity of thought for many people.
Few suggestions for calculator (xls sheet):
1. Pl remove .00 for all amout numbers :-) paise doesn't make sense any more, only rupees.
2. Pl create a column for GOLD in existing investment.
3. Pl create a space for NOT to count "living-home" for returns. Or, give a separate room for reverse-mortgauge
Retirement Corpus tab cell C26 (corpus generated out of new returns) is configured to statically pick the value from "='Pre Retirement'!F24". So if one wants to retire at 50, then also the value is picked from corpus left at age 57.
Correct. Even the Future Goal estimates are not integrating the years of their expense.
@@shonu1978 were you able to find a solution?
@@rt-qe9xw take max of F column
Now I have more knowledge about personal finance. I just subscribed to your channel. Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 47 and my wife is 43, we are both retired, no debts. Currently living smart and frugal with our money and still earning passively even in recession. Saving and investing lifestyle in the financial market made it possible for us this early even till now we earn monthly through passive income
what kind of investments did you do. I have a little sum right now doing next to nothing in a savings account. but it's hard for me to take part in the market right now due ta the fulltime nature of my job. it will be way too stressful to combine so i don't even think about it
@@YvesPoulin-eg6lbI invest across the top crypto markets but not by myself. I follow the guidance of CLAIRE MARTHA MAGALHAES, you might have heard of her. I can correctly say she's very good as a financial adviser as her diversification skills are top notch. I say because I see that in her results as my portfolio grows on a monthly basis.
@@user-ve5wy9eb2vI appreciate your advice. It's hard to find someone that can manage your investment,thanks for sharing his names I will link up to him
Wow, supprise to see you know her she has been helpful to me and my family since January and I have made a lot funds that can help me, I'm working retirement during next year I will be done .thank God I came across CLAIRE MARTHA investment
After seeing all your comments I decided to try on it,it was good I invested on short term with her 🎉
There are a few bugs, but nevertheless, the skeletal structure and ideology is great. Ppl probably hv to pay a very hefty fee to get this kinda stuff. Thanks to u, calculation is easier...
The calculator is in correct: if you have bank balance of Rs 10 and FD of Rs,10, MF for Rs 10 and invest Rs 1 per month for 1 year (retire in 1 year). It generates corpus of 1,157. which does not make sense.
Rs 10.00 or if %age use 10.0%
Excel have wrong formulas. Please fix it. The corpus looks unrealistic with such small amount of investment. But the concept is good. Hope to see the corrected excel in future :)
Can i have a suggestion to you guys?
I assume you guys are from tier 1 and 2 institutions and landed up a job with min 7Lac per annum at the age of 23 or 24. May be you were lucky enough you need to take care of yourself only and parents aren't depended on your salary. All your salary for your self and people like can invest.
Can you suggest for people like me with regards taking care of 7 people including a child, grandmother, sister education,parents and wife. Even j felt to go abroad and study, take all the money and invest be selfish enough to do for me. But cannot do that and i cant even dream of it for a minute.
You guys are doing great work. But please do address our problem as well.
things you can consider to reduce your finacial burden - 1) your wife & sister can start working full time / part time and contribute towards house expenses
expense ratio and long term capital gain tax will eat away 30-35% of my profits in mutual funds in 20yrs ? how to overcome this ?
Great videos you guys are creating man
Thanks Pranaya :)
no excel sheet
Very exciting to hear but what about people who work in govt jobs specially in state govt jobs. Our salary takes years to reach one lakh.... Do a video on that!
Noted, we will try to make a video on it
How the expenses prior to age 50 ( retirement) adjusted?. Say children marriage at 49? Expense may be 10 Lak. In the sheet. Retirement Corpus tab cell C26 (corpus generated out of new returns) is configured to statically pick the value from "='Pre Retirement'!E24". Should be F24. Just for information
i don't know why but in post retirement 3rd sheet , by age calculates only till 57
How to invest in mutual funds which mutual funds are better and how much growth and return ,risk we need to know
Where is the calculator ?
something is wrong with a calculator. curret age 34 retire at 35. Lumpsum 15 lakh. SIP for 1 ye 20k and done. Not possible
Please provide access to the excel sheet. Its view only at present.
Hey Kairas,
You need to go to the file section and click on 'make a copy.' Then, you will be able to use the sheet at your convenience.
At 8:44 , It is showing 10 Cr , but you said 1 Cr. Was that error?
I think the excel doesnt takes into account, t the contributions to EPF and PPF that will happen uptil the retirement, also it doesnt factors in the NPS account (though we can club it with the other Mutual funds)
also the Gratuity and other instruments like gold bonds etc..
@@bistindian it considers overall savings and average rate of return on all kinds of savings
How come ppf is 200,000 max is 150000
Hey team, great video. Excel link in description as well as in comment is not accessible. It gives error message "404. That’s an error. The requested URL was not found on this server"
Is this working for you? : Retirement corpus calculator: bit.ly/3xvrvY6
@@WintWealthYT No
@@anirajsaheb4994 Please make a copy of it and then edit
calculator is not accessible
Lots of errors and incorrect assumptions in the video content (although Excel file is great).
1. Inflation in education and healthcare is greater than CPI. The numbers quoted for education expenses after a few years only take normal inflation into account.
2. It's incorrect to assume we'll need only 100 mbps after 20 years. With the rate of growth in tech, it's possible the media consumption might necessitate a higher minimum. 10 years ago, you could have watched a month of UA-cam in the same amount of data and bandwidth that a day's worth of watching now consumes.
3. It's wrong to say "16 lakh rupees WILL get converted to 1.15 crores". There's no 'will' in stock markets. Markets allow a 'might' at best. The returns are neither consistent nor assured.
4. There are also new expenses post retirement. Healthcare and medicine expenses are likely to increase. If health allows, it's also a time to do some more travelling, not less.
I understand you can account for most of these by changing the numbers in Excel, but the video should have still fixed the assumptions it's making. Mistakes in saving money can be permanent for many (most) of us and not something we can fix 20 years later.
Please correct excel many mistakes, gives very optimistic picture.
Few observations: Future goals calculation is wrong. Check formulas for E31 onwards.
Also incorrect is cell retirement corpus cell C26 calculation. These two things present fantastic picture ( which is not true)
However thumbs up for the concept. I will welcome updated excel soon.
Dear Milind,
Thank you for highlighting the issue. The team has rectified the error and has updated the correction in the sheet.
Also, the sheet gives a basic picture of your retirement corpus. For detailed and personalised forecasts, kindly consult your financial advisor.
The link is not working. Request you to share a fresh link for us to use the calculator
You exel has wrong calculation. It shows wrong number for my numbers
Good job bro❤
Bhai yr 50% logo ki to 50k se uper v nhi hogi sallery wo kese krenge
I am unable to edit the cells ???
Hi, you can make a copy of the sheet and enter your own numbers
There are numerous flaws in the excel, please reach out. Would be glad to help
Hey Shridhar,
Let us know how can we contact you?
Sir video is excellent but excel not working it's showing error
Unable to access the excel. Please check!
sir,link not woking please give a new link to download the calculator
Hello Sibasis,
Kindly try to use this link for downloading the calculator: docs.google.com/spreadsheets/d/156vTXHuiyx9g78dCFgIcnQtzruyzkN5G/edit?usp=sharing&ouid=108890637495904935723&rtpof=true&sd=true
We hope this will be helpful. Thank you!
@@WintWealthYT Thank you. Its workers now
sir excel not working
bhai main36 ka hoon aur mere pe 9.5cr ban gaya hai. ismein se karib 3-4 cr cash hai. Main retire kar loon kya.
16 lakhs savings at 30.. Hmmm, ok. I will come here in my next life.
😂😂
It's less amount
I don't see the calculation of adding EPF for remaining working years. I think the sheet is too simple to cover all aspects of retirement planning. I have myself made a sheet which covers returns after retirement such that even after withdrawal your corpus will not go zero . and for last 5-7 years do SWP out of your corpus (possibly MF).
not a great worksheet. if someone wants to retire at 50 and he is already 50 and has good corpus. this excel sheet doesnt take care of that.
Bhai apni shadi ka calculation kaun dalega!
Too many assumptions in place - the biggest once being the child education and marriage expenses. Assumption is based only on a single child.
100 mb data when 6G/7G will be there😂
8:46 You will be left with 1 crore after retirement but the excel is showing 10 cr. Man you can't count and you are running a finance channel!
according to this calculator if I want to retire at 45 which is in 15 years with life expectancy of 80 years ,. I'd need roughly 99 crore at the time of retirement with monthly expense of 100000. BS
Too much ideal case scenario, things dont happen like this. please research more. someone cant start saving 2L each year at the start of his first job or first few year, 40K saving on 60K at age of 30 isnt possible even if you live at very basic bare min
How i can contact you !
Person aged 38 with income of 1lacs
Guide me
Wow. Thanks for the opportunity to reach out to you on WhatsApp.
Please use this retirement corpus calculator: bit.ly/3xvrvY6
Get. A high paying job
2-2.5 lakh saving/year....🤣🤣
Itni toa mechanical wale ki salary haan
2:03
Bhai 23 se 27 tak TcS , infosys, wirpo walon ka salary annually 2.5 se 3 tha how can you assume everyone saved that amount 😂
also his calulation not correct suppose u have 2 children marriage+education will be approx 5cr in 30years,not 1cr
Bro nothing saved.
😂
😂 probably 0 savings for most ppl.
I didn't find it relevant at all
Not true, sorry
Lose one job and all that math goes for a toss.
50 Cr kmane pdenge😂
Just nonsense thought of excel expertise.
Also why to retire at 50 unless kick off. If kicked of then live a simplier life and why to spend so much with no income.
And how such ppl can save 8cr. You started with 2/3 lakh saving per month at the age of 30 in today's world means a poor salaried poor quity guy and such guy can not save 8cr.
Better think how u can stick to a job even with lesser pay if kicked off till60 y of age.
Do not follow such advices my young friends. It will spoil your life. No money is enough .
Bathke khane mee kuber kaa tijori vi Khali ho jata hai.
Come out of give-up.and run away from trouble in office. Take it that you are nothing great,.keep ego and atti low.
Absolute BS calculator.
भाई पैसे किसी पेड़ पर लगा हो बताना
If I had 8 crore, why should I care for retirement
Nice video, good explanation. Sir please tell your name, I will follow on insta.