Cost Of Funds Calculator
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COST OF FUNDS WORKSHEET How much money do I need for a particular requirement? Ser. No. Period of requirement of funds 1
In how many years do you expect to require the funds?
2
Estimated period these funds will be needed for For example, if it is for your post-graduate course, it may be two years. This example is for a child's four year under-graduate course, ten years hence.
Future Cost after the above period 3
What is the requirement of Funds at present cost?
4
Estimated Inflation Level
5
Inflation Factor based on number of years left until your expenditure and the estimated Inflation level
6 7
Your Future Cost
Income in this period 8
How much money do you expect to receive from your EPF/ PPF/ DSOPF/ Pension Plan/ Gratuity/ Other Investment during this period for this particular purpose
9
What amount are you keeping aside annually - for this purpose alone?
10
Total funds accumulated
11
Any other fund sources (such as loans, gifts, etc.)
12
Total funds available
Expenditure Goal 13
Your funds goal
How much money do I need to put aside each year from now onwards to reach my goal? 14
What are your current investments made exclusively for this expenditure?
15
What return do you expect on these investments (not adjusted for inflation)? It would typically range from 2% for Savings Bank to 18% for equity(over 20-25 year periods)
16
Actual return after adjusting for estimated inflation
17
Assumed Rate of Return Factor based on number of years until your expenditure
18
Projected values of current investment
19
Shortfall :your expenditure goal shortfall
20
Discount Factor based on expected rates of return & inflation and years to expenditure
21
The additional ANNUAL savings you need to make to reach your expenditure goal
21
The additional MONTHLY savings you need to make to reach your expenditure goal
Example
Yourself
10
22
4
1
Rs. 500,000
Rs. 4,000,000
6%
7%
1.79 (10 yrs & 6% inflation)
4.43
Rs. 895,000
Rs. 17,720,000
Rs. 3,580,000
Rs. 17,720,000
Rs. 500,000
Rs. 100,000
Rs. 200,000
Rs. 100,000
Rs. 800,000
Rs. 2,200,000 Rs. 2,100,000
Rs. 1,300,000
Rs. 4,400,000
Rs. 2,280,000
Rs. 13,320,000
Rs. 100,000
Rs. 100,000
12%
12%
6%
5%
1.79 (6% returns for 10 years)
1.03
Rs. 179,000
Rs. 103,000
Rs. 2,101,000
Rs. 13,217,000
0.076 (6% returns for 10 years) Rs. 79,116
Rs. 13,217,000
Rs. 6,593
Rs. 50,064
1
In how many years do you expect to require the funds?
2
Estimated period these funds will be needed for For example, if it is for your post-graduate course, it may be two years. This example is for a child's four year under-graduate course, ten years hence.
Future Cost after the above period 3
What is the requirement of Funds at present cost?
4
Estimated Inflation Level
5
Inflation Factor based on number of years left until your expenditure and the estimated Inflation level
6 7
Your Future Cost
Income in this period 8
How much money do you expect to receive from your EPF/ PPF/ DSOPF/ Pension Plan/ Gratuity/ Other Investment during this period for this particular purpose
9
What amount are you keeping aside annually - for this purpose alone?
10
Total funds accumulated
11
Any other fund sources (such as loans, gifts, etc.)
12
Total funds available
Expenditure Goal 13
Your funds goal
How much money do I need to put aside each year from now onwards to reach my goal? 14
What are your current investments made exclusively for this expenditure?
15
What return do you expect on these investments (not adjusted for inflation)? It would typically range from 2% for Savings Bank to 18% for equity(over 20-25 year periods)
16
Actual return after adjusting for estimated inflation
17
Assumed Rate of Return Factor based on number of years until your expenditure
18
Projected values of current investment
19
Shortfall :your expenditure goal shortfall
20
Discount Factor based on expected rates of return & inflation and years to expenditure
21
The additional ANNUAL savings you need to make to reach your expenditure goal
21
The additional MONTHLY savings you need to make to reach your expenditure goal
Example
Yourself
10
22
4
1
Rs. 500,000
Rs. 4,000,000
6%
7%
1.79 (10 yrs & 6% inflation)
4.43
Rs. 895,000
Rs. 17,720,000
Rs. 3,580,000
Rs. 17,720,000
Rs. 500,000
Rs. 100,000
Rs. 200,000
Rs. 100,000
Rs. 800,000
Rs. 2,200,000 Rs. 2,100,000
Rs. 1,300,000
Rs. 4,400,000
Rs. 2,280,000
Rs. 13,320,000
Rs. 100,000
Rs. 100,000
12%
12%
6%
5%
1.79 (6% returns for 10 years)
1.03
Rs. 179,000
Rs. 103,000
Rs. 2,101,000
Rs. 13,217,000
0.076 (6% returns for 10 years) Rs. 79,116
Rs. 13,217,000
Rs. 6,593
Rs. 50,064
1
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