{
"file_name": "Retirement Planning Worksheet",
"sheets": [
{
"name": "Retirement Corpus",
"rows": [
["RETIREMENT PLANNING WORKSHEET", "", "", ""],
["Calculate retirement corpus needed and plan withdrawals", "", "", ""],
["", "", "", ""],
["RETIREMENT CORPUS CALCULATION", "", "", ""],
["Current Age", "", "", ""],
["Retirement Age", "", "", ""],
["Life Expectancy", "", "", ""],
["Years in Retirement", "", "", ""],
["", "", "", ""],
["Current Monthly Expenses", "₹", "", ""],
["Expected Retirement Monthly Expenses (60-80% of current)", "₹", "", ""],
["Annual Retirement Expenses", "₹", "", ""],
["", "", "", ""],
["INFLATION ADJUSTMENT", "", "", ""],
["Inflation Rate (%)", "%", "", ""],
["Years Until Retirement", "", "", ""],
["Inflation Multiplier", "1.00", "", ""],
["Inflation-Adjusted Annual Expense", "₹", "", ""],
["", "", "", ""],
["CORPUS NEEDED", "", "", ""],
["Total Retirement Corpus (25 year horizon)", "₹", "", ""],
["Conservative Multiplier (0.75)", "", "", ""],
["TOTAL CORPUS REQUIRED", "₹", "", ""]
]
},
{
"name": "Inflation Adjustment",
"rows": [
["INFLATION ADJUSTMENT DETAILS", "", "", ""],
["Project expenses with inflation impact", "", "", ""],
["", "", "", ""],
["Year", "Age", "Annual Expense", "Cumulative Inflation"],
["Year 1", "", "₹", "1.00"],
["Year 2", "", "₹", "1.05"],
["Year 3", "", "₹", "1.10"],
["Year 4", "", "₹", "1.16"],
["Year 5", "", "₹", "1.22"],
["Year 10", "", "₹", "1.63"],
["Year 15", "", "₹", "2.08"],
["Year 20", "", "₹", "2.65"],
["Year 25", "", "₹", "3.39"],
["", "", "", ""],
["INFLATION IMPACT SUMMARY", "", "", ""],
["At 5% inflation:", "", "", ""],
["Amount needed in 10 years", "₹", "", ""],
["Amount needed in 25 years", "₹", "", ""],
["Total inflation adjustment", "₹", "", ""]
]
},
{
"name": "Monthly Expenses Plan",
"rows": [
["MONTHLY RETIREMENT EXPENSES PLAN", "", "", ""],
["Plan for monthly withdrawals from retirement corpus", "", "", ""],
["", "", "", ""],
["CURRENT LIFESTYLE", "", "", ""],
["Housing (Rent/Maintenance)", "₹", "", ""],
["Utilities (Electric, Water, Internet)", "₹", "", ""],
["Groceries & Food", "₹", "", ""],
["Healthcare & Medical", "₹", "", ""],
["Transportation", "₹", "", ""],
["Insurance", "₹", "", ""],
["Entertainment & Travel", "₹", "", ""],
["Personal Care & Grooming", "₹", "", ""],
["Other Expenses", "₹", "", ""],
["TOTAL CURRENT MONTHLY EXPENSE", "₹", "", ""],
["", "", "", ""],
["PROJECTED RETIREMENT LIFESTYLE (Year 1)", "", "", ""],
["50-60% Reduction?", "", "", ""],
["New Housing Expense (if paid-off)", "₹", "", ""],
["Utilities", "₹", "", ""],
["Groceries & Food", "₹", "", ""],
["Healthcare (typically increases)", "₹", "", ""],
["Travel & Entertainment", "₹", "", ""],
["Other", "₹", "", ""],
["TOTAL PROJECTED MONTHLY EXPENSE", "₹", "", ""],
["ANNUAL RETIREMENT EXPENSE", "₹", "", ""]
]
},
{
"name": "Investment Strategy",
"rows": [
["RETIREMENT INVESTMENT STRATEGY", "", "", ""],
["Diversified approach for retirement savings", "", "", ""],
["", "", "", ""],
["INVESTMENT VEHICLES", "Amount", "% of Total", "Expected Return"],
["", "", "", ""],
["EQUITY INVESTMENTS", "", "", ""],
["Equity Mutual Funds", "₹", "%", "12-15%"],
["Direct Stocks", "₹", "%", "10-18%"],
["Index Funds", "₹", "%", "8-12%"],
["", "", "", ""],
["DEBT INVESTMENTS", "", "", ""],
["Bonds & Government Securities", "₹", "%", "6-7%"],
["Fixed Deposits", "₹", "%", "6-7%"],
["Debt Mutual Funds", "₹", "%", "4-7%"],
["", "", "", ""],
["TAX-ADVANTAGED RETIREMENT ACCOUNTS", "", "", ""],
["NPS (National Pension System)", "₹", "%", "8-10%"],
["PPF (Public Provident Fund)", "₹", "%", "7.1%"],
["EPF (Employee Provident Fund)", "₹", "%", "8.15%"],
["VPF (Voluntary Provident Fund)", "₹", "%", "8.15%"],
["", "", "", ""],
["REAL ESTATE", "", "", ""],
["Rental Property Investment", "₹", "%", "5-8%"],
["REITs (Real Estate Investment Trusts)", "₹", "%", "8-12%"],
["", "", "", ""],
["TOTAL RETIREMENT PORTFOLIO", "₹", "100%", ""]
]
},
{
"name": "Progress Timeline",
"rows": [
["RETIREMENT PROGRESS TIMELINE", "", "", ""],
["Track progress toward retirement corpus goal", "", "", ""],
["", "", "", ""],
["Target Retirement Corpus", "₹", "", ""],
["Current Retirement Savings", "₹", "", ""],
["Gap to Close", "₹", "", ""],
["Years Until Retirement", "", "", ""],
["", "", "", ""],
["MILESTONE TRACKING", "", "", ""],
["Milestone", "Target Date", "Target Amount", "Actual Amount"],
["25% of Corpus", "", "₹", "₹"],
["50% of Corpus", "", "₹", "₹"],
["75% of Corpus", "", "₹", "₹"],
["100% of Corpus (Target)", "", "₹", "₹"],
["", "", "", ""],
["ANNUAL SAVINGS PLAN", "", "", ""],
["Year", "Age", "Annual SIP", "Expected Balance", "Progress %"],
["Year 1", "", "₹", "₹", "0%"],
["Year 2", "", "₹", "₹", "0%"],
["Year 5", "", "₹", "₹", "0%"],
["Year 10", "", "₹", "₹", "0%"],
["Year 15", "", "₹", "₹", "0%"],
["Year 20", "", "₹", "₹", "0%"],
["Year 25 (Goal)", "", "₹", "₹", "100%"]
]
},
{
"name": "Income Sources",
"rows": [
["RETIREMENT INCOME SOURCES", "", "", ""],
["Identify all sources of income in retirement", "", "", ""],
["", "", "", ""],
["STEADY INCOME SOURCES", "Monthly Amount", "Annual Amount", "Duration"],
["Government Pension", "₹", "₹", "Lifetime"],
["Company Pension/Gratuity", "₹", "₹", "Lifetime"],
["Social Security/Annuity", "₹", "₹", "Until Age"],
["Part-time Work Income", "₹", "₹", "Optional"],
["", "", "", ""],
["INVESTMENT INCOME", "", "", ""],
["Dividend Income (Stocks)", "₹", "₹", "Ongoing"],
["Interest Income (Bonds/Fixed Deposits)", "₹", "₹", "Ongoing"],
["Real Estate Rental Income", "₹", "₹", "Ongoing"],
["Mutual Fund Distributions", "₹", "₹", "Ongoing"],
["", "", "", ""],
["TOTAL PROJECTED ANNUAL RETIREMENT INCOME", "₹", "₹", ""],
["", "", "", ""],
["INCOME GAP ANALYSIS", "", "", ""],
["Expected Annual Retirement Expense", "₹", "", ""],
["Expected Annual Retirement Income", "₹", "", ""],
["Annual Shortfall/(Surplus)", "₹", "", ""],
["Years in Retirement", "", "", ""],
["Total Corpus Needed to Bridge Gap", "₹", "", ""]
]
}
]
}