The EXCEL SHEET for a 6 CRORE Retirement Plan! | Ankur Warikoo Hindi
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- เผยแพร่เมื่อ 17 ก.ย. 2024
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Here is the Excel Sheet for the video: bit.ly/3B6JjOE
This video comes with notes, check here: bit.ly/4gk9RvY
In this video, I break down the ultimate financial planning tool - a single Excel sheet that covers your entire financial life. From tracking your income and expenses to planning for retirement, this comprehensive guide will help you take control of your finances like never before. I walk you through how to use this powerful tool, explaining key concepts like inflation, investment allocation, and long-term planning. Whether you're just starting your career or looking to secure your financial future, this video is a must-watch.
Learn how to balance your current needs with your future goals, understand the impact of your spending habits, and see how small changes can lead to significant results over time. This isn't just about numbers - it's about gaining clarity and confidence in your financial decisions. Join me as we demystify financial planning and set you on the path to financial freedom.
#FinancialPlanning #MoneyManagement #warikoo
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My Money Apps:
Indian Stock Investing (Zerodha): bit.ly/3iYKROh
Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh
US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR
Portfolio Investing (Smallcase): bit.ly/3u0is0I
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How to pick the right insurance (Ditto): bit.ly/3xFh7OU
The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.
My bestselling books:
'Make EPIC Money' here: amzn.to/3WHJ43F
‘Get EPIC Shit Done’: amzn.to/4fK1IR5
‘Do Epic Shit’: amzn.to/4fK9uuv
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.
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Here is the Excel Sheet for the video: bit.ly/3B6JjOE
My Money Apps:
Indian Stock Investing (Zerodha): bit.ly/3iYKROh
Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh
US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR
Portfolio Investing (Smallcase): bit.ly/3u0is0I
Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c
How to pick the right insurance (Ditto): bit.ly/3xFh7OU
The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.
My bestselling books:
'Make EPIC Money' here: amzn.to/3WHJ43F
‘Get EPIC Shit Done’: amzn.to/4fK1IR5
‘Do Epic Shit’: amzn.to/4fK9uuv
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.
Hey you haven't mentioned one most important thing that is duration of loan because that thing changes the calculation, if someone has taken a loan for 3years then post three years he can increase his/her investment again
Yeh lwk laisa kaise kamana ow nehi shikhata hain internet pe raaj kar raha hain ow amir joke wariko bodha horahah hain
@@mrsumitmukherjiYeh lwk laisa kaise kamana ow nehi shikhata hain internet pe raaj kar raha hain ow amir joke wariko bodha horahah hain
@@GaneshDebbarma-kt2zn bro paisa kamana khud se shikna padhta hai
Sir ur advise helped me to do financially planning to next level please allow me to speak in your channel .
I started investing at 2018 with 500 now I invest 20k from next month I will increase to 40k investment . Started emergency fund for 6 miths
I have 1 lic
I have 1 term insurance
I have 1 medical insurance
Thanks from bottom of my heart in making my life discipline.
Just let me know if I continue like this for 25 year I can retire
An uncle from Gurugram is always criticizing your excel sheets
😂
Wo real estate wala ? 😂😂😂
@@themboys304 woh all in one hai, 4 youtube channels hain uske
😂
how to edit it
Sir, this is good excel sheet, but in this 15 years there are personal expenses that pop up. At age of 28 marriage, @ 30 years one kid will add up, 35 years school fees starts, @ 40 or 45 one may lose job for 4 months, 46 years need for new or bigger house 50 years, kids higher studies expenses, 55 kids marriage. If all the savings are invested we will ger 6 crores, but you never mentioned how all the expenses occur between 25 - 50 will be earned.
Yes this should be considered
Bro who's asking to invest your whole salary?
If you are increasing your investment by 5%. what about your salary will that also increase same %?
Also, will the expenses get increase proportionate to salary increase? Answer is No.
Whatever Ankur has said, he assumed your expenses has increased with salary and you invest only increase by 5%? Which is not the case as you can control your expense.
At nearly 27, I find myself reflecting on my journey. With no ancestral wealth or savings from my family, I’m grateful for the strong education they provided. As a software engineer earning around 26k, I hadn’t considered saving for the future until recently. After watching many inspiring reels, I’ve taken the important step of starting SIPs for my future. Thank you for the motivation!
This is not simply a sheet, this is an absolute weapon to plan yourself out of trouble.
An entire series can be made out of this 1 sheet. I've used the retirement planner previously shared and with an expense tracker, I can truly keep a track of my money and then invest appropriate,. Ankur Sir, I want to Thankyou for providing this enlightening work.
Thanks a Lot
Thanks for sharing this sir. I will try to use it but I think it will make my work done easily. Really grateful to you. 😊
Amazing information❤
Hello Ankoor Sir, This is a fantastic Excel for all of us struggling with financial planning. I have one suggestion: could you include a section on building an emergency fund, along with a method to calculate the necessary amount based on different salary and age ratios? As a young professional just starting my career, I'm eager to establish an emergency fund, as you've emphasized its importance before beginning to invest. Please let me know. Parth Trivedi.
Laakkhhs and crores❤❤❤
Amazing ❤
Sir, actully financial freedom mindset comes after 42-43 yrs..... So plz make video on calculating this age.....
True
By the time you reach 42-43 years it is too late. Lot of uncertainty come into picture like Job security, Health risk, kid education, limited time till retirement due to which less compounding effect.
If you have any money saved till 42-43 then you can plan for retirement. If you want start from scratch then it is too late.
Seems like Ankur ji is also responsible for low cars sales 😊People have started savings and investing rather than putting money on depreciating assets.
Mast plan hai😂😂😂.......
Love your calculation...❤
Bohot dino ke bad aj ❤❤.
Much awaited. Thanks Ankur bhai!!!🙏
Excellent works, thanks for the Excel
One thing which I find missing is we are considering that loan EMI will be there entire time till earning. But EMI will have different tenure and those fund will get free to invest.
A great way to make this sheet is what-if analysis feature in excel
JUST SUPERB🎉🎉
I'm so happy I made productive decisions about my finances that changed my life forever. I'm a single mother living in Melbourne Australia, bought my second house in August and hoping to retire next year at 41 if things keep going smoothly for me..
Fantastic... Kudos to your patience to build up this simple yet effective sheet.
I am 45 years old. Just want to understand whatever I have already saved in ppf n epf, should I put it in the starting balance of financial planning sheet? Pls guide.
Ankur Sir, Honestly when I go through these Excel Sheets then it truely feels that even if you start in your early 20s, Retiring in your mid 40s is a Fallacy!
Until you are doing something exceptional or you have Financial support of your Parents.....
Jo like na kare ... Uska jeewan me kuch nhi hoga. Matlab berojgar ka berojgar rahega 😢
Bhai, Jo auro ka bura sochega ,wo pahle apna bura karega
@@MilindBorkar_MENTOR ohk chote ..
Bhak bkl😅
Jo like mangega wo bhookha marega 😢
Jo aisa comment karta hai woh berozgar hi rehta hai
Very good but 1 of investment option would be great
why the Excel Sheet is not getting download properly ?
Jiyo aur jine do sir plz🙏
Tu mat dekh bhai, jabardasti thodehi kar rahe hain
Esi comment ko 20 saal baad aake padh liyo
How can you sure about future return of various types of fund? Pls explain fully
It's just speculation seeing the result of past decades.
Warikoo sahab, sheet chu Zabar, I like your videos about the financial literarcy
Thank you for sharing the excel sheet! This is very useful.
Bhai kaha se download kiye
You are amazing sir... Definitely changing many life's❤
Good Child left the chat😢😅❤
Can you make video on Diversifying money which is already invested in single stock?
Awesome, Please make a video for those people making daily or weekly income like from intraday trading/business. I never find this kind of video on utube.
He won't because it's not possible for everyone to earn that much in short time. He doesn't support it and hence won't make any video regarding it.
99% of the people will lose money in these so what's the point event?
@@mynk_rjputi am not promoting stock market/ intraday/any investment or business, im just curious to watch any video to manage my finances.
Anyways, thanks for the feedback.
Sir, I love u. I've started the path, may be some daydown the line I wish to see you... .
Not able to edit the excel sheet
Please some help me .....
Bhai tum he excel sheet bnato ho
I have been watching your videos recently and I really think now that I have regret that I didn’t found out your videos earlier, but now I have started learning from you and it’s really helpful , but I have a humble request from you , I have seen most of your videos there is great way of investing in some midcaps an all these stuff but can you please show how to invest from which platform or how to purchase them??❤
You can do it from groww
Bro you're clearly a liar, if you have seen most of his videos then how come you didn't see Ankur's one of the recent video where he clearly showed how to create account, find and then invest, do sip etc in mutual funds on his go to platform Zerodha
Sir mene google sheet form bhara hai nd mujhe mauka dijye ga 10 minutes Baat karne ka, youtube pe aana to bahot badi Baat ho jayegi.still hoping best for the future 😊😊
Bro even make Excel sheet for Breakfast,lunch and Dinner.
That is an epic excel sheet!
Thanks for the excel sheet, Ankur. Great content. Could a feature be added in the excel sheet for a user to add on which year the EMI ends and when it ends, the available money is added back to investment?
thanks you
Guys if your monthly income is less than 45K , then there is no need to do financial planning , just spend it all .
😂😂😂
i can't edit in the excel sheet please help
I am unable to use this sheet somebody help. After open Google chrome I can't edit anything or download this sheet
Thank you for this video and the sheet.
Business kaise ksrna ow shikhaye
@warikoo - if someone is sitting on a large savings, the returns from that saving has been considered in the sheet?. Curious to know. Thanks for the video.
Thank you sir, you always try to give us something new and motivate us all the time,,
There are some negative comments and replies,, just neglect it,, and keep motivating us/or your students❤❤❤
thank you! means a lot.
@warikoo please make an excel with monthly sip. That has provision to increase sip by certain amount after some years (not step up). Basically non linear step up.
Non linear?? Based what formulae that nonlinear trend is to be done.... it also depends on lot of factors and for each one will be different... So if you could mention your factors, maybe building it is possible
Your requirement don't make sense. Since Ankur is considering normal Sip with stepup. This gives worst scenario of future corpus.
But, if you add big amount inbetween you will end up having bigger corpus in retirement which is best case scenario.
While planning better to plan for worst case scenario rather best case scenario since you don't know if you can actually able to invest big amount in between.
This can be a valid requirement, if you want to reduce your loan term and save interest by adding big amount inbetween but not in retirement planning.
Excellent 🎉
Nice
Could you please provide the download link
No Access to Edit Sir
Superb 👌
Unable to change in excel (Green). Pl C
Sir 1 shop pr kam krney wale helper ki salary har saal nahi badhti or 2nd thing aaj kal market mei salary punch kr dekhna 18-20k offer hoti hai, to sir make videos some sensible
Age 29
Want to be retired at 40
Mutual fund profolio:7Lkh
NPS: 6Lkh
Stocks: 50k
Liquid:4Lkh(emergency fund)
Is it possible?
Current doing 30k monthly SIP. per month and 15k per month to NPS.
So 10 years for your retirement. Atleast from do some aggressive less risk investments like small and mid caps . Don't waste money by investing in nps , it will give only by 60 age not 40age
@@Power-li4gc I am center government employee 😅.
@@Power-li4gc I am doing 30k monthly SIP in Mid cap & small cap.
Video dekhne wale ameer nahin bante aur ameer ban ne wale video nahin dekha karte sab khayali pulao hain mehnat karo apne aap zindagi safal ho jayegi😂
There is one thing wrong in this sheet that he has mentioned savings are post tax that we are withdrawing yearly but taxes aren't counted there
Sir google sheet please
How to download this excel
Sir 3 mutual fund bta do..large mid and small ke. Clear cut. Bahut confusion h konsa mutual fund le
Sir how to invest this type video please give me
Add all insurance in this sheet sir
Unable to download
Excel sheet download nahi ho rahi hai.
एक shorts मे आपणे बोला की30yr तक small कॅप मे invested रहे तो 145 cr बनेगे
Lumpsum कितने दालने होंगे
Kaun bewkuf hoga jo aaj ke samay mein 25-30 k kamaa kar 45 mein retire plan kare 😂😂
Ye wo bewkuf hai jo video dekh ke 22 minute ke khyali polao pakate hai
Couldn't download the excel file
Why don't you prepare an excel sheet / template which can cover a goal based financial planning?
Such that all the goals can be incorporated and analysed.
Sure
@wariko can you please provide the downloadable link. Enabled to download the excel sheet.
I am unable to download the excel
Lagta hai retirement ke liye bank dacaity hi sahi vikalp hai
hi Ankur how do we get edit access
Why are there 2 question marks on the wall (right in the video) beneath your books? i guess working on 2 new books!
35 age k hisab seaa retirement plan kya hoga
The Excel link doesn't work.
The excel sheet is not opening
Retiring at 60 seems illogical. By then, enthusiasm has often faded, and you've already sacrificed your younger years for the sake of planning for the future. Worse, after all the careful discipline and preparation, you might not even make it to 70 or 65.
excel sheet not open
Best video you ever made ❤❤ i Loved the video ankur ! 🫡🫡
not able to download your excel file,. it says missing tools because of heavy traffic. cannot do any input on your file. tried downloading many times
It will be available tomorrow
Ankur, why are you not providing access to review our finances? Every time you share the excel sheet it's locked and unable to be accessed... I even tired to comment and no one from your team responded to my comments.
Just as video goes live, there's a lot of traffic on Google sheets website so it won't let you do any operation on it. It should work fine after 1-2 hrs of video upload
@@mynk_rjput I even checked his old videos after couple of days still same issue
india mein sabse sasta flat kitne mein milta h? usko iss sheet mein kaise account karein?
Sir isme swp kre to
Sir vo emi bhi kuch saal m khtm hojaegi , uska bhi kuch kijiye. 2000 rupe extra jud skte h investment me
Ham 45ke age me jo bhi amount withdrawal kar ke swp me date hai so kiua hoga please make video thank @warikoo
hy sir how can i save
Sir 85 lakh ka (SWP) kar sakte he
I think this is best option
Sir, Once EMI payment or loan payment is over what will be done with that money? Not explained in this excel sheet and it changes all the calculation
How to build a buigness in education industry
Bhai kaam kare , zindagi jiye, ya dinbhar Excel Excel khelte rhe ?
Hi Ankur !!In financial planning excel sheet first 4 rows are hidden and 6 th row is hidden due to which, my formula's are not working. Please make them unhide
My age is 45 I like take Risk I don’t have any term insurance because I am low wages income earners NRI any suggestions? I have a term insurance the country I live but not in India
Excel sheet ki edit options 😮kam nahi kar rahi hai due to heavy traffic
But Ltcg is 12.5 percent how it is 20 percent
Looks good my friend, I see what you did there I myself settled my problems with Arnold Jackson’s help
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