part 1

loan amt 44 laks

st
1 downpayment 4 lak 08/01/08
Payment 20% of remaining 02/01/09
Remaining 20% after another 6 months 1 august/2009
3rd instalment 30% 02/01/10
Reamining 30% 02/01/11

tenure 12 years
fixed rate 12.50%

56410

growing annuity
45000
10.00% growth
8.00% rate

((1+rate)^tenure-(1+growth)^tenure)/(rate-growth)

1176.74 52953151.66 Type 0

1270.88 57189403.79 Type 1

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 part 1

pmt pv
800000 -$10,750.86 $785,111.82 $1,585,111.82 10750
800000 -$21,705.59 $1,553,124.87 21705
1200000 -$39,795.30 $2,847,519.24 $2,353,124.87 38476
1200000 -56741

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 part 1

785111 158111.82
1553124 2753124

Page 3
 retirement planning

retirement planning

life expectancy

expenses as on today 30000p.m

retirement 60 yrs
life expectancy 80 yrs
accumulation gr 12.00% nomina
disbursement phase 8.00% 7.72%
inflation 6.00% 5.84%
future value of 30000 $172,304.74
real rate 0.018868
1.87%
0.0015588916
-$34,529,781.18
11.39%
0.00949
11207.4266238 pmt for retirement planning

household exp 70000 fv of 70000

age 39
retirement 55
life expectancy 80 yrs
inflatin 6.00%
accumulation gr 10.00%
disbursement phase 8.00%
real rate 0.018868
1.87%
0.001558892
-$42,650,303.59

9.57%
0.0079741
$93,855.77

in case wife is younger than husband and her life expectancy is higher

current age of dionkar 23 50 retirement age

inflation 0.060000
expenses as on today 45000
pre retirement 11.50%
post retirement 11.50%
$217,005.57

real rate 0.05

5.07%
0.0042243556
-$37,021,916.66

10.93%
0.0091125
-$18,678.63

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 retirement planning

1 $172,304.74
2 $173,413.35
3 $174,529.10

0
0

mopnthly return
0.006434030
0.004867551

$177,824.62

75 life expectancy

Page 5