{"text_format":"2","workbook":"xlsx","n_sheets":31,"sheets":["Home Page","Advisor Details","HELP","GOALS FOR CHILDREN","B I S","INPUT","Financial Plan","OnePager","Goal List","Financial Goals","Ration Configration Page","My Configration Page","My Calculation Page","DATA","EXISTING ASSETS & INVESTMENTS","INSURANCE","ASSUMPTIONS","TAX","AllCalc","SURPLUS & NETWORTH","FINANCIAL RATIOS ANALYSIS","EMERGENCY FUND","Ratio Dashboard","RISK PLANNING","Risk Man. Dashboard","RETIREMENT PLANNING","INVESTMENTS","EDUCATION & MARRIAGE","GOALS","SOLUTION","EXECUTION SHEET"],"not_rendered":{"charts":44,"images":27,"macros":1,"external_links":3,"defined_names":31,"comments":1,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"run_cost":"one","rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

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[" "]

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[]
["Firm Name","MSA FINANCIAL SERVICES",null,"Advisor Name","MANISH SINGH"]
[null,"MONEY, SECURITY & ASPIRATIONS",null,"Address","KATNI "]
["                            Contact Details",null,null,null,"MADHYA PRADESH "]
["Whatsapp No.",7974737121,null,null,"INDIA"]
["Email address","MANISHSINGH.CFP@GMAIL.COM"]
["Web Site","WWW.MSAFS.IN"]
[]
["Password ","Msa@2025"]
[]
[]
["Letter  Head Preview"]
[]
[]
[null,{"$f":"+E2","v":"MANISH SINGH"}]
[null,{"$f":"+B3","v":"MONEY, SECURITY & ASPIRATIONS"}]
[null,{"$f":"CONCATENATE(\"Whatsapp No \",B5,\"  Email Id :  \",B6,\" Web site :\",B7)","v":"Whatsapp No 7974737121  Email Id :  MANISHSINGH.CFP@GMAIL.COM Web site :WWW.MSAFS.IN"}]
[{"$f":"+CONCATENATE(E3,E4,E5)","v":"KATNI MADHYA PRADESH INDIA"}]

{"sheet":"HELP","index":2,"n_rows":19,"n_cols":3,"rows_kept":19,"cut":false,"hidden":true,"merged":[[0,0,0,13],[4,0,4,1],[4,2,4,13],[6,0,6,1],[6,2,6,13],[1,0,1,1],[1,2,1,13],[3,0,3,1],[3,2,3,13],[5,0,5,1],[2,0,2,1],[2,2,2,13],[10,0,10,1],[10,2,10,13],[8,0,8,1],[8,2,8,13],[5,2,5,13],[7,0,7,1],[7,2,7,13],[9,0,9,1],[9,2,9,13],[16,0,16,1],[16,2,16,13],[12,0,12,1],[12,2,12,13],[14,0,14,1],[14,2,14,13],[11,0,11,1],[11,2,11,13],[13,0,13,1],[13,2,13,13],[15,0,15,1],[15,2,15,13],[18,0,18,1],[18,2,18,13],[19,0,22,13],[17,0,17,1],[17,2,17,13]]}
["STEPS FOR USING ADVANCE EXCEL FINANCIAL PLANNING TOOL"]
[]
["STEP 1",null,"Copy Blank Sheet to Another Sheet… Enable Macros"]
[]
["STEP 2",null,"Enter Data in B I S and INPUT sheet"]
[]
["STEP 3",null,"Take Printout of Existing Investments and Goals"]
[]
["STEP 4",null,"Go to Emerency Fund Sheet and Map Existing Investments (If Any)"]
[]
["STEP 5",null,"Go to Retirement Planning Sheet and Map Existing Investments (If Any)"]
[]
["STEP 6",null,"Go to Child Education & Marriage Sheet (If Any)"]
[]
["STEP 7",null,"Go to Aspirational Goals Sheet and Map Existing Investments (If Any)"]
[]
["STEP 8",null,"Back To Data Sheet Point-9 Existing Investments And Map The Goal"]
[]
["STEP 9",null,"You are Ready For Comprihansive Financial Plan and One Pager Plan"]

{"sheet":"GOALS FOR CHILDREN","index":3,"n_rows":18,"n_cols":8,"rows_kept":18,"cut":false,"hidden":true,"merged":[[15,0,15,1],[1,0,1,7]]}
[8,null,{"$f":"DATA!G3","v":2024}]
["EDUCATION & MARRIAGE PROVISION PLANNING"]
[null,"COURSE / CLASS/ STANDARD",{"$f":"DATA!B8","v":0},{"$f":"DATA!B9","v":0},{"$f":"DATA!B10","v":0},"NO OF YRS LEFT","PRESENT VALUE REQUIRED","REMARKS IF ANY"]
[{"$f":"+INPUT!H93","v":0},{"$f":"+INPUT!B93","v":"Mayuri Graduation"},{"$f":"+INPUT!F93","v":0},null,null,{"$f":"+INPUT!J93","v":0},{"$f":"+INPUT!L93","v":0}]
[{"$f":"+INPUT!H94","v":0},{"$f":"+INPUT!B94","v":"Mayuri Post Graduation"},{"$f":"+INPUT!F94","v":0},null,null,{"$f":"+INPUT!J94","v":0},{"$f":"+INPUT!L94","v":0}]
[{"$f":"+INPUT!H95","v":0},{"$f":"+INPUT!B95","v":"Heramb Graduation"},null,{"$f":"+INPUT!F95","v":0},null,{"$f":"+INPUT!J95","v":0},{"$f":"+INPUT!L95","v":0}]
[{"$f":"+INPUT!H96","v":0},{"$f":"+INPUT!B96","v":"Heramb Post Graduation"},null,{"$f":"+INPUT!F96","v":0},null,{"$f":"+INPUT!J96","v":0},{"$f":"+INPUT!L96","v":0}]
[{"$f":"+INPUT!H97","v":0},{"$f":"+INPUT!B97","v":0},{"$nulls":4},{"$f":"+INPUT!L97","v":0}]
[{"$f":"+INPUT!H98","v":0},{"$f":"+INPUT!B98","v":0},{"$nulls":4},{"$f":"+INPUT!L98","v":0}]
[{"$f":"+INPUT!H99","v":0},{"$f":"+INPUT!B99","v":0},{"$nulls":4},{"$f":"+INPUT!L99","v":0}]
[{"$f":"+INPUT!H100","v":0},{"$f":"+INPUT!B100","v":0},{"$nulls":4},{"$f":"+INPUT!L100","v":0}]
[{"$f":"+INPUT!H101","v":0},{"$f":"+INPUT!B101","v":0},{"$nulls":4},{"$f":"+INPUT!L101","v":0}]
[{"$f":"+INPUT!H102","v":0},{"$f":"+INPUT!B102","v":0},{"$nulls":4},{"$f":"+INPUT!L102","v":0}]
[{"$f":"+INPUT!H103","v":0},{"$f":"+INPUT!B103","v":0},{"$nulls":4},{"$f":"+INPUT!L103","v":0}]
[{"$f":"+INPUT!H104","v":0},{"$f":"+INPUT!B104","v":0},{"$nulls":4},{"$f":"+INPUT!L104","v":0}]
["TOTAL",{"$nulls":5},{"$f":"SUM(G4:G15)","v":0}]
[]
[null," "]

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[]
[null,null,null,"BASIC INFORMATION SHEET\n(YOUR GROWTH PARTNER)"]
[]
[null,"This Form is the First Step towards Your Financial Freedom, Peace and Prosperity"]
[]
[null,1,"Basic Information"]
[null,"Name :-"]
[null,"Address :-"]
[null,"Marital Status : ",{"$nulls":4},"Immediate Liquid Assets (Saving Balance and FD)"]
[null,"Contact No :- "]
[null,"E-mail ID :-"]
[null,"Date of Birth (DD-MM-YYYY) :-",{"$nulls":4},"Total current Value of Financial Assets"]
[null,"Income Source/Occupation :-"]
[null,"Average Household Expenses Per Month :-"]
[null,"Personal Expenses Per Month :-"]
[null,"Total EMI Per Month :-",{"$nulls":4},"Total current value of Physical Assets \n(Except Self Occupied Place & Gold Ornaments)"]
[null,"Average savings and investments Per Month :-"]
[null,"Average Net Family Income Per Month :-"]
[null,"Total Outstanding Loan Amount :- "]
[null,2,"Family Details"]
[null,"S.N.","Name of Family Member","Relation","Date of Birth","Dependence Status \n(Yes / No)","Education","Income Source","Income \nPer Month","Health Status"]
[null,1,null,"SELF",null,"NO"]
[null,2,null,"SPOUSE",null,"YES"]
[null,3,null,"DOUGHTER",null,"YES"]
[null,4,null,"SON/DOUGHTER"]
[null,5,null,"Father"]
[null,6,null,"Mother"]
[null,3,"Currently where all You are investing ? "]
{"$rows_empty":11}
[null,4,"What would be your major Financial Goals/ Requirements / Mile Stones that you think important for You and Your family & Also, place them in the order of importance.                                                         YES / NO                             Priority Rank   "]
[]
[null,1,"Planning for Major Health Problems and Hospitalization",null,null,"yes"]
[null,2,"Income Protection in case of accidental disability",null,null,"yes"]
[null,3,"Income Protection in case of Death",null,null,"yes"]
[null,4,"Guranteed Income provision after retirement",null,null,"yes"]
[null,5,"Children Higher education and marriage",null,null,"yes"]
[null,6,"Emergency Liquidity provision",null,null,"no"]
[null,7,"Short Term to medium Term Goals",null,null,"yes"]
[]
[null,5,"Answer the following Questionaire"]
[null,"S.N.","Questionaire",null,null,null,"Answer","Provide details, if any"]
[null,1,"At what age Do you want to retire from Job / Business / Profession ?"]
[null,2,"How many years income provision  would you like to make for your post retired life ?"]
[null,3,"Do you have any personal financial or investment advisor ?",null,null,null,"No"]
[null,4,"Who takes the decision about all financial matters in your family ?",null,null,null,"Self"]
[null,5,"Have you prepared a 'WILL' ?",null,null,null,"No"]
[null,6,"Who files your Tax returns ?",null,null,null,"CA"]
[null,7,"Do you have any pending matters relating to your investment / insurance ? ",null,null,null,"Yes"]
[null,8,"Do you have mediclaim or health insurance policy other than employer ?",null,null,null,"Yes"]
[null,9,"If Yes, what is the total cover ?"]
[null,10,"If Yes, who all are covered in the policy ?",null,null,null,"2A+2C"]
[null,11,"Do you have enough life insurance cover to secure your income in case of death ?",null,null,null,"No"]
[null,12,"If Yes, How much is the cover ?"]
[null,13,"Do you have Personal Accident Insurance policy ?",null,null,null,"NO"]
[null,14,"If Yes, How much is the cover ?",null,null,null,0]
[null,15,"Do you have critical illness policy ?",null,null,null,"NO"]
[null,16,"If Yes, How much is the cover ?",null,null,null,0]
[]
[]
[null,"Congratulations for Completing Your First Step Towards Financial Freedom, Peace and Prosperity"]

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101,1,101,4],[101,5,101,6],[101,7,101,8],[101,9,101,10],[101,11,101,12],[102,1,102,4],[102,5,102,6],[102,7,102,8],[102,9,102,10],[102,11,102,12],[103,1,103,4],[103,5,103,6],[103,7,103,8],[103,9,103,10],[103,11,103,12],[98,1,98,4],[98,5,98,6],[98,7,98,8],[98,9,98,10],[98,11,98,12],[99,1,99,4],[99,5,99,6],[99,7,99,8],[99,9,99,10],[99,11,99,12],[96,5,96,6],[96,7,96,8],[96,9,96,10],[96,11,96,12],[96,1,96,4],[97,5,97,6],[97,7,97,8],[97,9,97,10],[97,11,97,12],[97,1,97,4],[94,5,94,6],[94,7,94,8],[94,9,94,10],[94,11,94,12],[95,1,95,4],[95,5,95,6],[95,7,95,8],[95,9,95,10],[95,11,95,12],[92,1,92,4],[92,5,92,6],[92,7,92,8],[92,9,92,10],[92,11,92,12],[93,1,93,4],[93,5,93,6],[93,7,93,8],[93,9,93,10],[93,11,93,12],[91,1,91,4],[91,5,91,6],[91,7,91,8],[91,9,91,10],[91,11,91,12],[87,1,87,5],[87,7,87,10],[87,11,87,12],[88,1,88,5],[88,7,88,10],[88,11,88,12],[85,1,85,5],[85,7,85,10],[85,11,85,12],[86,1,86,5],[86,7,86,10],[86,11,86,12],[82,11,82,12],[84,1,84,12],[90,1,90,12],[82,0,82,10],[80,1,80,5],[80,7,80,8],[80,9,80,10],[80,11,80,12],[81,1,81,5],[81,7,81,8],[81,9,81,10],[81,11,81,12],[78,1,78,5],[78,7,78,8],[78,9,78,10],[78,11,78,12],[79,1,79,5],[79,7,79,8],[79,9,79,10],[79,11,79,12],[76,1,76,5],[76,7,76,8],[76,9,76,10],[76,11,76,12],[77,1,77,5],[77,7,77,8],[77,9,77,10],[77,11,77,12],[73,1,73,12],[74,1,74,5],[74,7,74,8],[74,9,74,10],[74,11,74,12],[75,1,75,5],[75,7,75,8],[75,9,75,10],[75,11,75,12],[70,1,70,4],[70,5,70,6],[70,7,70,8],[70,9,70,10],[70,11,70,12],[71,5,71,6],[71,7,71,8],[71,9,71,10],[71,11,71,12],[71,0,71,4],[68,1,68,4],[68,5,68,6],[68,7,68,8],[68,9,68,10],[68,11,68,12],[69,1,69,4],[69,5,69,6],[69,7,69,8],[69,9,69,10],[69,11,69,12],[66,1,66,4],[66,5,66,6],[66,7,66,8],[66,9,66,10],[66,11,66,12],[67,1,67,4],[67,5,67,6],[67,7,67,8],[67,9,67,10],[67,11,67,12],[64,1,64,4],[64,5,64,6],[64,7,64,8],[64,9,64,10],[64,11,64,12],[65,1,65,4],[65,5,65,6],[65,7,65,8],[65,9,65,10],[65,11,65,12],[62,1,62,4],[62,5,62,6],[62,7,62,8],[62,9,62,10],[62,11,62,12],[63,1,63,4],[63,5,63,6],[63,7,63,8],[63,9,63,10],[63,11,63,12],[60,1,60,4],[60,5,60,6],[60,7,60,8],[60,9,60,10],[60,11,60,12],[61,1,61,4],[61,5,61,6],[61,7,61,8],[61,9,61,10],[61,11,61,12],[58,1,58,4],[58,5,58,6],[58,7,58,8],[58,9,58,10],[58,11,58,12],[59,1,59,4],[59,5,59,6],[59,7,59,8],[59,9,59,10],[59,11,59,12],[56,1,56,12],[57,1,57,4],[57,5,57,6],[57,7,57,8],[57,9,57,10],[57,11,57,12],[48,1,48,5],[54,0,54,5],[50,9,50,10],[51,7,51,8],[51,9,51,10],[52,7,52,8],[52,9,52,10],[53,7,53,8],[53,9,53,10],[48,7,48,8],[48,9,48,10],[49,7,49,8],[49,9,49,10],[50,7,50,8],[49,1,49,5],[50,1,50,5],[51,1,51,5],[52,1,52,5],[46,9,46,10],[47,7,47,8],[47,9,47,10],[43,4,43,6],[41,9,41,10],[42,9,42,10],[43,9,43,10],[43,0,43,3],[45,1,45,11],[46,1,46,5],[47,1,47,5],[41,1,41,3],[41,4,41,5],[41,7,41,8],[42,1,42,3],[42,4,42,5],[42,7,42,8],[46,7,46,8],[40,7,40,8],[37,1,37,3],[37,4,37,5],[37,7,37,8],[38,1,38,3],[38,4,38,5],[38,7,38,8],[39,0,39,6],[35,7,35,8],[36,1,36,3],[36,4,36,5],[36,7,36,8],[35,0,35,6],[30,7,30,8],[27,7,27,8],[28,4,28,5],[28,7,28,8],[27,0,27,6],[25,4,25,5],[25,7,25,8],[26,4,26,5],[26,7,26,8],[30,1,30,3],[23,4,23,5],[23,7,23,8],[24,4,24,5],[24,7,24,8],[21,4,21,5],[21,7,21,8],[22,4,22,5],[22,7,22,8],[19,7,19,8],[20,1,20,3],[20,4,20,5],[20,7,20,8],[17,1,17,10],[18,1,18,3],[18,4,18,5],[18,7,18,8],[18,9,18,10],[19,9,19,10],[20,9,20,10],[19,0,19,6],[14,1,14,4],[14,5,14,6],[14,7,14,10],[15,1,15,4],[15,5,15,6],[15,7,15,10],[12,1,12,4],[12,5,12,6],[12,7,12,10],[13,1,13,4],[13,5,13,6],[13,7,13,10],[9,1,9,3],[9,4,9,5],[9,7,9,8],[9,9,9,10],[11,1,11,4],[11,5,11,6],[11,7,11,10],[7,1,7,3],[7,4,7,5],[7,7,7,8],[7,9,7,10],[8,1,8,3],[8,4,8,5],[8,7,8,8],[8,9,8,10],[10,0,10,10],[6,1,6,3],[6,4,6,5],[6,7,6,8],[6,9,6,10],[3,1,3,3],[3,4,3,5],[3,7,3,8],[3,9,3,10],[4,1,4,3],[4,4,4,5],[4,7,4,8],[4,9,4,10],[0,0,0,10],[1,1,1,10],[2,1,2,3],[2,4,2,5],[2,7,2,8],[2,9,2,10],[5,1,5,3],[5,4,5,5],[5,7,5,8],[5,9,5,10],[174,1,174,3],[174,4,174,5],[175,1,175,3],[175,4,175,5],[176,1,176,3],[176,4,176,5],[167,1,167,3],[167,4,167,5],[168,1,168,3],[168,4,168,5],[169,1,169,3],[169,4,169,5],[170,1,170,3],[170,4,170,5],[171,1,171,3],[171,4,171,5],[172,1,172,3],[172,4,172,5],[173,1,173,3],[173,4,173,5],[184,1,184,3],[184,4,184,5],[185,1,185,3],[185,4,185,5],[177,1,177,3],[177,4,177,5],[178,1,178,3],[178,4,178,5],[179,1,179,3],[179,4,179,5],[180,1,180,3],[180,4,180,5],[181,1,181,3],[181,4,181,5],[182,1,182,3],[182,4,182,5],[183,1,183,3],[183,4,183,5]]}
["INPUT"]
[1,"FAMILY DETAILS"]
["Sr. No.","Name",null,null,"Relation",null,"DOB \n( DD-MM-YYYY)","PAN Number",null,"Occupation"]
[1,null,null,null,"Self"]
[2,null,null,null,"Spouse"]
[3,null,null,null,"Son / Daughter"]
[4,null,null,null,"Son / Daughter"]
[5,null,null,null,"Son / Daughter"]
[6,null,null,null,"Father"]
[7,null,null,null,"Mother",{"$nulls":4},{"$f":"'B I S'!H27","v":0}]
[]
[2,"NAME",null,null,null,"CONTACT NO.",null,"EMAIL"]
[1,{"$f":"+B4","v":0},null,null,null,0,null,0]
[2,{"$f":"+B5","v":0}]
[3,{"$f":"+B6","v":0}]
[4,{"$f":"+B7","v":0}]
[]
[3,"FAMILY LIVING EXPENSES / OUT FLOWS"]
["Sr. No.","Consumption Expenses / Family Expenses",null,null,"Current Monthly Expenses",null,"Yearly Irregular expenses","Annualised Expenses",null,"Post Retirement - Monthly exp."]
["Household Expenses"]
[1,"Grocery & Toiletaries",null,null,0,null,null,{"$f":"G21+(E21*12)","v":0},null,{"$f":"E21*0.8","v":0}]
[2,"House - \nRent, Maintenance, Repair",null,null,75000,null,null,900000,null,{"$f":"E22*0.8","v":60000}]
[3,"Vehicle - \nFuel , Servicing / Conveyance",null,null,0,null,null,0,null,{"$f":"E23*0.25","v":0}]
[4,"Health - \nDoctor visits , Medicines ",null,null,0,null,null,0,null,0]
[5,"Necessities - \nElectricity, Property tax",null,null,0,null,null,0,null,0]
[6,"House Utilities - \nMaid, Laundary, Newspaper etc.",null,null,0,null,null,0,null,{"$f":"E26*0.8","v":0}]
[7,"Gadgets - \nMobile, TV, Internet, Online subscriptions etc.",null,null,0,null,null,0,null,{"$f":"G27*1.4","v":0}]
["Lifestyle Expenses"]
[1,"Clothes & Accessories",null,null,0,null,null,0,null,0]
[2,"Shopping, Gifts & buying new Gadgets",null,null,0,null,null,0,null,0]
[3,"Dining , Movies, Sports",null,null,0,null,null,0,null,0]
[4,"Coach - Financial, Fitness, Personal",{"$nulls":5},0,null,0]
[5,"Travel, Annual holidays",{"$nulls":5},0,null,{"$f":"E33*0.8","v":0}]
[6,"Charity, Donations etc.",{"$nulls":5},0,null,{"$f":"E34*0.8","v":0}]
[7,"House renovations, Celebrations etc.",{"$nulls":5},0,null,{"$f":"E35*0.8","v":0}]
["Dependent Expenses",{"$nulls":6},0,null,{"$f":"E36*0.8","v":0}]
[1,"Children school / college fees",null,null,3400,null,null,40800,null,2720]
[2,"Children pocket money / other expenses",{"$nulls":5},0,null,0]
[3,"Contribution to parents, siblings etc.",{"$nulls":5},0,null,0]
["Misc.",{"$nulls":6},0,null,0]
[1,"Personal Expenses",null,null,{"$f":"'B I S'!D15","v":0},null,null,0,null,0]
[2,"Total Household Expenses",null,null,{"$f":"'B I S'!D14","v":0},null,null,{"$f":"G42+(E42*12)","v":0},null,{"$f":"E42*0.8","v":0}]
[null,"TOTAL",null,null,{"$f":"SUM(E20:F42)","v":78400},null,{"$f":"SUM(G20:G42)","v":0},{"$f":"SUM(H20:I42)","v":940800},null,{"$f":"SUM(J20:J42)","v":62720}]
[{"$nulls":4},"Monthly Expenses",null,null,{"$f":"+H43/12","v":78400},null,{"$f":"J43*12","v":752640}]
[]
[4,"LOAN DETAILS"]
["S.N.","Details of Loans",{"$nulls":4},"EMI","Loan Amount",null,"Outstanding Amt.",null,"Balance Tenure"]
[1,"Home Loan",{"$nulls":4},84443,null,null,8205617]
[{"$f":"+A48+1","v":2},"Car Loan"]
[{"$f":"+A49+1","v":3},"Personal Loan"]
[4,"Education Loan"]
[5," "]
[6," "]
[7," "]
["TOTAL",{"$nulls":5},{"$f":"'B I S'!D16","v":0},{"$f":"SUM(H48:I54)","v":0},null,{"$f":"'B I S'!D19","v":0}]
[]
[5,"FAMILY INFLOWS / INCOME"]
["Sr. No.","Particulars",null,null,null,"Gross Income ( Monthly )",null,"Deductions",null,"Net Income \n( Monthly )",null,"Net Income \n( Annual )"]
[1,"Self Salary",null,null,null,300000,null,null,null,{"$f":"L59/12","v":223052.5},null,2676630]
[2,"Spouse Salary",null,null,null,150000,null,null,null,{"$f":"L60/12","v":42558.333333333336},null,510700]
[3,"Business Income",{"$nulls":9},{"$f":"J61*12","v":0}]
[4,"Rent Income",{"$nulls":9},0]
[5,"Parents Income",{"$nulls":9},0]
[6,"Childrens Income",{"$nulls":9},0]
[7,"Brother Income",{"$nulls":9},0]
[8,"Sister Income",{"$nulls":9},0]
[9,"Dividend Income",{"$nulls":9},{"$f":"J67*12","v":0}]
[10,"Interest Income",{"$nulls":9},{"$f":"J68*12","v":0}]
[11,"Agri Income",{"$nulls":9},{"$f":"J69","v":0}]
[12,"Other Income",{"$nulls":9},{"$f":"J70","v":0}]
[13,"Annual Bonus / Performance Pay"]
["TOTAL",{"$nulls":4},{"$f":"SUM(F59:F71)","v":450000},null,{"$f":"SUM(H59:H71)","v":0},null,{"$f":"'B I S'!D18","v":0},null,{"$f":"SUM(L59:L71)","v":3187330}]
[]
[6,"ASPIRATIONAL GOALS/ NEEDS/ DREAMS ( excluding children goals & retirement)"]
["Sr. No. ","Aspirational Goals / Needs / Dreams",{"$nulls":4},"Goal Year","No. of Years left",null,"Inflation rate",null,"Present Value"]
[1,"Kirtana's wellness Resort",{"$nulls":4},2034,{"$f":"IF(+G76-YEAR(TODAY())>0,+G76-YEAR(TODAY()),0)","v":9},null,7.0000000000000007E-2]
[2,"Kirtana Yoga Office",{"$nulls":4},2029,4,null,7.0000000000000007E-2]
[3,"International Tour",{"$nulls":4},2029,4,null,7.0000000000000007E-2]
[4,{"$nulls":6},0,null,7.0000000000000007E-2]
[5,{"$nulls":6},0,null,7.0000000000000007E-2]
[6,{"$nulls":6},0,null,7.0000000000000007E-2]
[7,{"$nulls":6},0,null,7.0000000000000007E-2]
["TOTAL",{"$nulls":10},{"$f":"SUM(L76:M82)","v":0}]
[]
[7,"ANY EMPLOYER PROVIDED BENEFITS"]
["Sr.No.","Description of Benefit",{"$nulls":4},"Amount","Provide details, if required",null,null,null,"Scope \n( Who are covered)"]
[1,"Mediclaim - Health Cover"]
[2,"Life Cover if any ( e.g. group term insurance)"]
[3,"Accidental Cover if any"]
[]
[8,"CHILDREN EDUCATION & MARRIAGE PROVISION PLANNING"]
["Sr.No.","Description ( Course / Class / Std.)",null,null,null,"At what age money required ?",null,"In which year money required ?",null,"No. of years left",null,"Present Value"]
[1,"Mayuri Graduation",{"$nulls":5},{"$f":"IF(F93>0,+YEAR(TODAY())+F93-DATA!I8,0)","v":0},null,{"$f":"IF(+H93-YEAR(TODAY())>0,+H93-YEAR(TODAY()),0)","v":0}]
[2,"Mayuri Post Graduation",{"$nulls":5},{"$f":"IF(F94>0,+YEAR(TODAY())+F94-DATA!I8,0)","v":0},null,0]
[3,"Heramb Graduation"]
[{"$f":"+A95+1","v":4},"Heramb Post Graduation",{"$nulls":5},{"$f":"IF(F96>0,+YEAR(TODAY())+F96-DATA!I9,0)","v":0},null,0]
[5,{"$nulls":6},0,null,0]
[6,{"$nulls":6},{"$f":"IF(F98>0,+YEAR(TODAY())+F98-DATA!I9,0)","v":0},null,0]
[7,{"$nulls":6},{"$f":"IF(F99>0,+YEAR(TODAY())+F99-DATA!I10,0)","v":0},null,0]
[8,{"$nulls":6},{"$f":"IF(F100>0,+YEAR(TODAY())+F100-DATA!I10,0)","v":0},null,0]
[9,{"$nulls":6},{"$f":"IF(F101>0,+YEAR(TODAY())+F101-DATA!I10,0)","v":0},null,0]
[10,{"$nulls":6},{"$f":"IF(F102>0,+YEAR(TODAY())+F102-DATA!I8,0)","v":0},null,0]
[11,{"$nulls":6},{"$f":"IF(F103>0,+YEAR(TODAY())+F103-DATA!I9,0)","v":0},null,0]
[12,{"$nulls":6},{"$f":"IF(F104>0,+YEAR(TODAY())+F104-DATA!I10,0)","v":0},null,0]
[]
[9,"FINANCIAL ASSETS & INVESTMENTS"]
["Sr.No.","Particulars",{"$nulls":4},"Scheme Name / Account Name","Current Value",null,"Monthly / Yearly Contribution",null,"MLY/QLY/HLY/YLY (12/4/2/1)"]
[1,"Bank 1  - Savings balance"]
[{"$f":"+A108+1","v":2},"Bank 2  - Savings balance"]
[{"$f":"+A109+1","v":3},"Bank 3  - Savings balance"]
[4,"Fixed Deposit - SBI "]
[5,"Fixed Deposit - Bank ….."]
[6,"Employee Provident fund (EPF)"]
[7,"Public Provident Fund (PPF)"]
[8,"Recurring Deposits (RD)"]
[9,"Mutual Funds\n ( Attach separate sheet if no. of schemes are more)"]
[10,"Post - MIS"]
[11,"NSC / KVP"]
[12,"Corporate FD"]
[13,"Sukanya Samrridhi Yojana"]
[14,"Shares ( Attach separate sheet if no. of shares are more)"]
[15,"career transition fund"]
[16]
[17," "]
[18]
[19]
[20]
[21]
[22]
[23]
[24]
[25,"Any Other Regular / Irregular Investments"]
[{"$nulls":7},{"$f":"'B I S'!G13","v":0},null,{"$f":"'B I S'!D17","v":0}]
[]
[10,"NON FINANCIAL ASSETS & INVESTMENTS"]
["Sr.No.","Details of Property",{"$nulls":4},"Remarks",null,"Current Value",null,"Any Specific Purpose of This Asset "]
[]
[1,"Self Occupied Property",{"$nulls":4},"SELF"]
[{"$f":"+A138+1","v":2},"Gold Ornaments",{"$nulls":4},"GOLD"]
[{"$f":"+A139+1","v":3},"CAR /BYKE",{"$nulls":4},"CAR"]
[4,"Investment Flat 1",{"$nulls":4},"INVESTMENT"]
[5,"Investment Flat 2",{"$nulls":4},"INVESTMENT"]
[6,"PLOT",{"$nulls":4},"PLOT"]
[7,"Gold Coins",{"$nulls":4},"GOLD"]
[8,"Gold Fund / ETF",{"$nulls":4},"GOLD"]
[9,"Ancestral Property",{"$nulls":4},"ANCESTRAL"]
["TOTAL",{"$nulls":7},{"$f":"'B I S'!G18","v":0}]
[]
[11,"PURE INSURANCE POLICIES"]
["Sr.No.","Policy Name",{"$nulls":4},"Sum Assured","Premium",null,"Premium Mode",null,"Remarks"]
[1,"Mediclaim 1"]
[2,"Mediclaim 2"]
[3,"Top Up Mediclaim Policy"]
[4,"Critical Illness Policy"]
[5,"Hospital Cash Benefit Policy"]
[6,"Specific Illness Policy"]
[7,"Personal Accident Policy"]
[8,"Term Insurance"]
[9,"Parents health insurance"]
["TOTAL",{"$nulls":6},{"$f":"SUM(H151:I159)","v":0}]
[]
[12,"INVESTMENTS CUM INSURANCE PLANS"]
["Sr.No.","Policy Name",null,null,"Policy No.",null,"Sum Assured","Premium",null,"Premium Mode",null,"Remarks"]
[1,{"$nulls":5},0,0,null,1]
[2]
[3]
[{"$f":"+A166+1","v":4}]
[{"$f":"+A167+1","v":5}]
[6]
[7]
[8]
[9]
[10]
[11]
[12]
[13]
[14]
[15]
[16]
[17]
[18]
[19]
[20]
[21]
[22]
[23]
["TOTAL PREMIUM & SUM ASSURED",{"$nulls":5},{"$f":"'B I S'!G63","v":0},{"$f":"SUM(H164:I186)","v":0}]

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["Road Map To Your Financial Success"]
{"$rows_empty":21}
[{"$nulls":12}," "]
[]
[]
[]
[]
[]
[]
["Comprehensive Financial Plan "]
["     Exclusively Prepared for"]
[{"$f":"+DATA!B6","v":0}]
["AND FAMILY"]
[{"$f":"+'Advisor Details'!B2","v":"MSA FINANCIAL SERVICES"}]
[]
["We Educate People About Effective Money Management Principles to Create True Wealth"]
[{"$f":"+'Advisor Details'!E2","v":"MANISH SINGH"}]
[{"$f":"+'Advisor Details'!E3","v":"KATNI "}]
[{"$f":"+'Advisor Details'!E4","v":"MADHYA PRADESH "}]
[{"$f":"+'Advisor Details'!E5","v":"INDIA"}]
[{"$f":"+CONCATENATE(\"Contact No. \",'Advisor Details'!B5,\"  Website : \",'Advisor Details'!B7)","v":"Contact No. 7974737121  Website : WWW.MSAFS.IN"}]
[{"$f":"+'Advisor Details'!B6","v":"MANISHSINGH.CFP@GMAIL.COM"}]
[]
["Comprehensive Financial Plan"]
[]
["Dear",{"$f":"+DATA!B6","v":0}]
[]
["We would like to thank you for providing us with the opportunity of charting your financial plan.\n\nAs you are aware our objective is to accurately assess your financial needs and to provide quality recommendations and ongoing service in accordance with those needs. \n\nParticular consideration has been given to developing a long term plan which will assist you accumulate assets to provide for your long term goals such as your children’s education and marriage, your retirement plans etc while preserving your current lifestyle.\n\nThis plan and our recommendations are based on the information provided by you through the data collection sheet. Therefore, the plan will be regularly reviewed and updated in accordance with changes in your needs and circumstances.\n\nWe assure you that all information we have gathered from you will be retained in a secure location in the confines of our office and will remain confidential at all times.\n\nPlease let us know if you require any clarifications and/or modifications in the plan and we shall proceed accordingly.\n \nWe look forward to working with you.\n"]
{"$rows_empty":30}
["Sincerely,"]
[{"$f":"CONCATENATE(\"For \",'Advisor Details'!B2)","v":"For MSA FINANCIAL SERVICES"}]
[]
[]
[{"$f":"+'Advisor Details'!E2","v":"MANISH SINGH"}]
[{"$f":"+'Advisor Details'!B3","v":"MONEY, SECURITY & ASPIRATIONS"}]
[]
[]
[]
["Letter of Engagement"]
[]
[{"$f":"CONCATENATE(\"Dear \",+DATA!B6)","v":"Dear 0"}]
[]
["This letter is meant to give you a better understanding on what you may expect from the financial planning process and what our respective obligations are within that process. It will also confirm the terms of our recent discussions regarding financial planning services.\n\nAs part of each process, you will furnish us with complete and up-to-date information about your personal financial circumstances and investment objectives. Once all relevant information is assimilated, we will analyse your present financial situation, which may include a review of pertinent assets, liabilities, current and projected cash flow, investment portfolios, and tax implications.\n\nOn the basis of the information you provide, we will produce a written report and recommended action. Your written report will refer to such things as your specific objectives, time horizons, risk profile, tax implications, performance expectations, asset allocation and portfolio management information.\n\nAll information given to us by you and all recommendations and advice furnished by us to you will be kept confidential between us and will not be disclosed to anyone except as we may agree in writing or as may be required by law.\n\nThe broad-based custom financial planning service provides a single written report containing recommendations in all relevant areas of your financial wellbeing and may include strategies regarding cash flow, investment portfolio management, retirement planning, income tax and estate planning.\n\nThe fee for your Comprehensive Financial Plan has been determined by our mutual agreement and is Rs.15,000  and is due upon acceptance of this Engagement Letter. To avoid future misunderstandings, this fee is for the written financial plan alone and the plan shall contain all of our recommendations to you as on the date of its delivery.\n\nIf you decide to implement our recommendations, we may ask you to make your investments through our company without any obligation on your part. This will be considered as a separate service.\n"]
{"$rows_empty":40}
["The fees charged to you under this agreement does not take into consideration any commissions, fees that we may receive from various companies for investment products sold through us, for which there may arise a conflict of interests.\n\nA review and update of a previously written report, due to events such as changes in tax laws or your personal financial situation, is also available as a new and separate service. This service is to reassess your financial objectives, progress and circumstances to date and make appropriate recommendations. The fee for your Financial Review and Update Plan as determined by our mutual agreement is Rs.7500/-.\n\nWe emphasize that the financial plan writing service described above are separate, stand-alone advisory services and you are not obligated to make any investments through us. You also are free to associate with any brokerage firm, insurance or real estate agents or other vendors you desire for the implementation of your plan objectives.\n\nIf at any time you feel that you are dissatisfied with this agreement, you may terminate it by giving a written request.\n\nWe regard the responsibility for providing competent and reliable services to you are a very important step in maintaining a close and personalized relationship with you. It is a relationship that involves an ongoing exchange of relevant information between you as our valued client and us. We view this interactive relationship as vital to the overall success and achievement of your financial objectives.\n\nIf you understand and accept the above terms, please sign our agreement below and return one copy of this letter to us.\n\nThank you for confiding in us to assist you in achieving your financial goals and objectives. We look forward to serving you to the best of our ability.\n"]
{"$rows_empty":36}
["Sincerely,"]
["For ( Your Firm Name)"]
[]
[]
["Your Name"]
["Designation"]
[{"$nulls":6},"Client:",{"$f":"+DATA!B6","v":0}]
[{"$nulls":6},"Signature: "]
[]
[]
["Personal Information"]
[]
["Relationship",null,"Name",null,null,"DOB","PAN No.","Occupation","Mobile No."]
[]
["SELF",null,{"$f":"+DATA!B6","v":0},null,null,{"$f":"+DATA!C6","v":"00:00:00"},{"$f":"+DATA!H6","v":0},{"$f":"+DATA!E6","v":"00:00:00"},{"$f":"+DATA!C15","v":0}]
["Partner"]
["WIFE",null,{"$f":"+DATA!B7","v":0},null,null,{"$f":"+DATA!C7","v":"00:00:00"},{"$f":"+DATA!H7","v":0},{"$f":"+DATA!E7","v":"00:00:00"},{"$f":"+DATA!C16","v":0}]
["Dependent"]
["CHILD 1",null,{"$f":"+DATA!B8","v":0},null,null,{"$f":"+DATA!C8","v":"00:00:00"},{"$f":"+DATA!H8","v":0},{"$f":"+DATA!G8","v":"00:00:00"},{"$f":"+DATA!C17","v":0}]
[]
["CHILD 2",null,{"$f":"+DATA!B9","v":0},null,null,{"$f":"+DATA!C9","v":"00:00:00"},{"$f":"+DATA!H9","v":0},{"$f":"+DATA!G9","v":"00:00:00"},{"$f":"+DATA!C18","v":0}]
[]
["CHILD 3",null,{"$f":"+DATA!B10","v":0},null,null,{"$f":"+DATA!C10","v":"00:00:00"},{"$f":"+DATA!H10","v":0},{"$f":"+DATA!G10","v":"00:00:00"},{"$f":"+DATA!C19","v":0}]
[]
["MOTHER",null,{"$f":"+DATA!B11","v":0},null,null,{"$f":"+DATA!C11","v":"00:00:00"},{"$f":"+DATA!H11","v":0},{"$f":"+DATA!G11","v":0},{"$f":"+DATA!C20","v":0}]
[]
["FATHER",null,{"$f":"+DATA!B12","v":0},null,null,{"$f":"+DATA!C12","v":"00:00:00"},{"$f":"+DATA!H12","v":0},{"$f":"+DATA!G12","v":0}]
[]
[]
[]
["Assessment of your current Financial Status"]
["              Cash Flow Management"]
[]
[]
["Cash Flow Management is a system, not a budget. It allows you to see your financial situation from a long-term, systematic viewpoint. You will see how one move, such as a periodic tax payment, can affect your disbursements for several months prior to, and following, the actual payment.\n\nA Personal Cash Flow Management System, if used consistently, can be of great value in helping to gain control of your personal financial situation. It will ensure that there is always cash available to pay bills as they come due. It will also help you save more money in a systematic way.\n\nTime is your greatest ally. The more time you have, the less money you will need to save and invest. The less time you have the more money it will take. Procrastination is a deadly enemy of your goal to retire with financial dignity.\n"]
{"$rows_empty":17}
["Income and Expenditure Statement of the current year"]
["FAMILY INFLOWS\n / INCOMES"]
["PARTULARS",null,null,null,"GROSS MONTHLY",null,"DEDUCTIONS","NET MONTHLY","YEARLY",{"$nulls":5},{"$f":"+A224","v":"PARTULARS"},"salary"]
[{"$f":"+DATA!B64","v":"Self Salary"},null,null,null,{"$f":"+DATA!C64","v":300000},null,{"$f":"+DATA!D64","v":0},{"$f":"+DATA!E64","v":300000},{"$f":"+DATA!F64","v":3600000},{"$nulls":5},"Self Salary",{"$f":"+E225","v":300000}]
[{"$f":"+DATA!B65","v":"Spouse Salary"},null,null,null,{"$f":"+DATA!C65","v":150000},null,{"$f":"+DATA!D65","v":0},{"$f":"+DATA!E65","v":150000},{"$f":"+DATA!F65","v":1800000},{"$nulls":5},"Spouse Salary",150000]
[{"$f":"+DATA!B66","v":"Business Income"},null,null,null,{"$f":"+DATA!C66","v":0},null,{"$f":"+DATA!D66","v":0},{"$f":"+DATA!E66","v":0},{"$f":"+DATA!F66","v":0},{"$nulls":5},"Business Income",0]
[{"$f":"+DATA!B67","v":"Rent Income"},null,null,null,{"$f":"+DATA!C67","v":0},null,{"$f":"+DATA!D67","v":0},{"$f":"+DATA!E67","v":0},{"$f":"+DATA!F67","v":0},{"$nulls":5},"Rent Income",0]
[{"$f":"+DATA!B68","v":"Parents Income"},null,null,null,{"$f":"+DATA!C68","v":0},null,{"$f":"+DATA!D68","v":0},{"$f":"+DATA!E68","v":0},{"$f":"+DATA!F68","v":0},{"$nulls":5},"Parents Income",0]
[{"$f":"+DATA!B69","v":"Childrens Income"},null,null,null,{"$f":"+DATA!C69","v":0},null,{"$f":"+DATA!D69","v":0},{"$f":"+DATA!E69","v":0},{"$f":"+DATA!F69","v":0},{"$nulls":5},"Childrens Income",0]
[{"$f":"+DATA!B70","v":"Brother Income"},null,null,null,{"$f":"+DATA!C70","v":0},null,{"$f":"+DATA!D70","v":0},{"$f":"+DATA!E70","v":0},{"$f":"+DATA!F70","v":0},{"$nulls":5},"Brother Income",0]
[{"$f":"+DATA!B71","v":"Sister Income"},null,null,null,{"$f":"+DATA!C71","v":0},null,{"$f":"+DATA!D71","v":0},{"$f":"+DATA!E71","v":0},{"$f":"+DATA!F71","v":0},{"$nulls":5},"Sister Income",0]
[{"$f":"+DATA!B72","v":"Dividend Income"},null,null,null,{"$f":"+DATA!C72","v":0},null,{"$f":"+DATA!D72","v":0},{"$f":"+DATA!E72","v":0},{"$f":"+DATA!F72","v":0},{"$nulls":5},"Dividend Income",0]
[{"$f":"+DATA!B73","v":"Interest Income"},null,null,null,{"$f":"+DATA!C73","v":0},null,{"$f":"+DATA!D73","v":0},{"$f":"+DATA!E73","v":0},{"$f":"+DATA!F73","v":0},{"$nulls":5},"Interest Income",0]
[{"$f":"+DATA!B74","v":"Agri Income"},null,null,null,{"$f":"+DATA!C74","v":0},null,{"$f":"+DATA!D74","v":0},{"$f":"+DATA!E74","v":0},{"$f":"+DATA!F74","v":0},{"$nulls":5},"Agri Income",0]
[{"$f":"+DATA!B75","v":"Other Income"},null,null,null,{"$f":"+DATA!C75","v":0},null,{"$f":"+DATA!D75","v":0},{"$f":"+DATA!E75","v":0},{"$f":"+DATA!F75","v":0},{"$nulls":5},"Other Income",0]
[{"$f":"+DATA!B76","v":0}]
[{"$f":"+DATA!B77","v":"TOTAL"},null,null,null,{"$f":"SUM(E225:F237)","v":450000},null,{"$f":"SUM(G225:G236)","v":0},{"$f":"SUM(H225:H236)","v":450000},{"$f":"SUM(I225:I236)","v":5400000}]
[]
[]
["FAMILY LIVING EXPENSES / OUT FLOW"]
[{"$f":"+DATA!B21","v":"CONSUMPTION EXPENSES / \nFAMILY`S EXPENSES"},{"$nulls":4},{"$f":"+DATA!C21","v":"CURRENT  MONTHLY EXPENSES"},{"$f":"+DATA!D21","v":"YEARLY IRREGULAR EXPENSES"},{"$f":"+DATA!E21","v":"ANNUALISED EXPENSES"},{"$f":"+DATA!F21","v":"% OF INCOME \n (Per Anum)"}]
[{"$f":"+DATA!B22","v":0},{"$nulls":4},{"$f":"+DATA!C22","v":0},{"$f":"+DATA!D22","v":0},{"$f":"+DATA!E22","v":0},{"$f":"+DATA!F22","v":0},{"$nulls":7},{"$f":"+A243","v":0},{"$nulls":5},{"$f":"+F243","v":0}]
[{"$f":"+DATA!B23","v":"Grocery & Toiletaries"},{"$nulls":4},{"$f":"+DATA!C23","v":0},{"$f":"+DATA!D23","v":0},{"$f":"+DATA!E23","v":0},{"$f":"+DATA!F23","v":0},{"$nulls":7},"Grocery & Toiletaries",{"$nulls":5},0]
[{"$f":"+DATA!B24","v":"House - \nRent, Maintenance, Repair"},{"$nulls":4},{"$f":"+DATA!C24","v":75000},{"$f":"+DATA!D24","v":0},{"$f":"+DATA!E24","v":900000},{"$f":"+DATA!F24","v":0.16666666666666666},{"$nulls":7},"House - \nRent, Maintenance, Repair",{"$nulls":5},75000]
[{"$f":"+DATA!B25","v":"Vehicle - \nFuel , Servicing / Conveyance"},{"$nulls":4},{"$f":"+DATA!C25","v":0},{"$f":"+DATA!D25","v":0},{"$f":"+DATA!E25","v":0},{"$f":"+DATA!F25","v":0},{"$nulls":7},"Vehicle - \nFuel , Servicing / Conveyance",{"$nulls":5},0]
[{"$f":"+DATA!B26","v":"Health - \nDoctor visits , Medicines "},{"$nulls":4},{"$f":"+DATA!C26","v":0},{"$f":"+DATA!D26","v":0},{"$f":"+DATA!E26","v":0},{"$f":"+DATA!F26","v":0},{"$nulls":7},"Health - \nDoctor visits , Medicines ",{"$nulls":5},0]
[{"$f":"+DATA!B27","v":"Necessities - \nElectricity, Property tax"},{"$nulls":4},{"$f":"+DATA!C27","v":0},{"$f":"+DATA!D27","v":0},{"$f":"+DATA!E27","v":0},{"$f":"+DATA!F27","v":0},{"$nulls":7},"Necessities - \nElectricity, Property tax",{"$nulls":5},0]
[{"$f":"+DATA!B28","v":"House Utilities - \nMaid, Laundary, Newspaper etc."},{"$nulls":4},{"$f":"+DATA!C28","v":0},{"$f":"+DATA!D28","v":0},{"$f":"+DATA!E28","v":0},{"$f":"+DATA!F28","v":0},{"$nulls":7},"House Utilities - \nMaid, Laundary, Newspaper etc.",{"$nulls":5},0]
[{"$f":"+DATA!B29","v":"Gadgets - \nMobile, TV, Internet, Online subscriptions etc."},{"$nulls":4},{"$f":"+DATA!C29","v":0},{"$f":"+DATA!D29","v":0},{"$f":"+DATA!E29","v":0},{"$f":"+DATA!F29","v":0},{"$nulls":7},"Gadgets - \nMobile, TV, Internet, Online subscriptions etc.",{"$nulls":5},0]
[{"$f":"+DATA!B30","v":0},{"$nulls":4},{"$f":"+DATA!C30","v":0},{"$f":"+DATA!D30","v":0},{"$f":"+DATA!E30","v":0},{"$f":"+DATA!F30","v":0},{"$nulls":7},0,{"$nulls":5},0]
[{"$f":"+DATA!B31","v":"Clothes & Accessories"},{"$nulls":4},{"$f":"+DATA!C31","v":0},{"$f":"+DATA!D31","v":0},{"$f":"+DATA!E31","v":0},{"$f":"+DATA!F31","v":0},{"$nulls":7},"Clothes & Accessories",{"$nulls":5},0]
[{"$f":"+DATA!B32","v":"Shopping, Gifts & buying new Gadgets"},{"$nulls":4},{"$f":"+DATA!C32","v":0},{"$f":"+DATA!D32","v":0},{"$f":"+DATA!E32","v":0},{"$f":"+DATA!F32","v":0},{"$nulls":7},"Shopping, Gifts & buying new Gadgets",{"$nulls":5},0]
[{"$f":"+DATA!B33","v":"Dining , Movies, Sports"},{"$nulls":4},{"$f":"+DATA!C33","v":0},{"$f":"+DATA!D33","v":0},{"$f":"+DATA!E33","v":0},{"$f":"+DATA!F33","v":0},{"$nulls":7},"Dining , Movies, Sports",{"$nulls":5},0]
[{"$f":"+DATA!B34","v":"Coach - Financial, Fitness, Personal"},{"$nulls":4},{"$f":"+DATA!C34","v":0},{"$f":"+DATA!D34","v":0},{"$f":"+DATA!E34","v":0},{"$f":"+DATA!F34","v":0},{"$nulls":7},"Coach - Financial, Fitness, Personal",{"$nulls":5},0]
[{"$f":"+DATA!B35","v":"Travel, Annual holidays"},{"$nulls":4},{"$f":"+DATA!C35","v":0},{"$f":"+DATA!D35","v":0},{"$f":"+DATA!E35","v":0},{"$f":"+DATA!F35","v":0},{"$nulls":7},"Travel, Annual holidays",{"$nulls":5},0]
[{"$f":"+DATA!B36","v":"Charity, Donations etc."},{"$nulls":4},{"$f":"+DATA!C36","v":0},{"$f":"+DATA!D36","v":0},{"$f":"+DATA!E36","v":0},{"$f":"+DATA!F36","v":0},{"$nulls":7},"Charity, Donations etc.",{"$nulls":5},0]
[{"$f":"+DATA!B37","v":"House renovations, Celebrations etc."},{"$nulls":4},{"$f":"+DATA!C37","v":0},{"$f":"+DATA!D37","v":0},{"$f":"+DATA!E37","v":0},{"$f":"+DATA!F37","v":0},{"$nulls":7},"House renovations, Celebrations etc.",{"$nulls":5},0]
[{"$f":"+DATA!B38","v":0},{"$nulls":4},{"$f":"+DATA!C38","v":0},{"$f":"+DATA!D38","v":0},{"$f":"+DATA!E38","v":0},{"$f":"+DATA!F38","v":0},{"$nulls":7},0,{"$nulls":5},0]
[{"$f":"+DATA!B39","v":"Children school / college fees"},{"$nulls":4},{"$f":"+DATA!C39","v":3400},{"$f":"+DATA!D39","v":0},{"$f":"+DATA!E39","v":40800},{"$f":"+DATA!F39","v":7.5555555555555558E-3},{"$nulls":7},"Children school / college fees",{"$nulls":5},3400]
[{"$f":"+DATA!B40","v":"Children pocket money / other expenses"},{"$nulls":4},{"$f":"+DATA!C40","v":0},{"$f":"+DATA!D40","v":0},{"$f":"+DATA!E40","v":0},{"$f":"+DATA!F40","v":0},{"$nulls":7},"Children pocket money / other expenses",{"$nulls":5},0]
[{"$f":"+DATA!B41","v":"Contribution to parents, siblings etc."},{"$nulls":4},{"$f":"+DATA!C41","v":0},{"$f":"+DATA!D41","v":0},{"$f":"+DATA!E41","v":0},{"$f":"+DATA!F41","v":0},{"$nulls":7},"Contribution to parents, siblings etc.",{"$nulls":5},0]
[{"$f":"+DATA!B42","v":0},{"$nulls":4},{"$f":"+DATA!C42","v":0},{"$f":"+DATA!D42","v":0},{"$f":"+DATA!E42","v":0},{"$f":"+DATA!F42","v":0},{"$nulls":7},0,{"$nulls":5},0]
[{"$f":"+DATA!B43","v":"Personal Expenses"},{"$nulls":4},{"$f":"+DATA!C43","v":0},{"$f":"+DATA!D43","v":0},{"$f":"+DATA!E43","v":0},{"$f":"+DATA!F43","v":0},{"$nulls":7},"Personal Expenses",{"$nulls":5},0]
[{"$f":"+DATA!B44","v":"Total Household Expenses"},{"$nulls":4},{"$f":"+DATA!C44","v":0},{"$f":"+DATA!D44","v":0},{"$f":"+DATA!E44","v":0},{"$f":"+DATA!F44","v":0},{"$nulls":7},"Total Household Expenses",{"$nulls":5},0]
[{"$f":"+DATA!B45","v":"TOTAL MONTHLY REGULAR EXPS"},{"$nulls":4},{"$f":"+DATA!C45","v":78400},{"$f":"+DATA!D45","v":0},{"$f":"+DATA!E45","v":940800}]
[{"$f":"+DATA!B45","v":"TOTAL MONTHLY REGULAR EXPS"},{"$nulls":4},{"$f":"+DATA!C45","v":78400},{"$f":"+DATA!D45","v":0},{"$f":"+DATA!E45","v":940800}]
[{"$f":"+DATA!B46","v":"TOTAL YEARLY  EXPNESES  "},{"$nulls":4},{"$f":"+DATA!C46","v":940800},{"$f":"+DATA!D46","v":0},{"$f":"+DATA!E46","v":940800}]
[{"$f":"+DATA!B47","v":"TOTAL  REGULAR + IRREGULAR EXPS (A)"},{"$nulls":4},{"$f":"+DATA!C47","v":78400},null,{"$f":"+DATA!E47","v":940800}]
[]
[]
[{"$f":"+ASSUMPTIONS!B1","v":"ASSUMPTIONS"}]
[{"$f":"+ASSUMPTIONS!B2","v":"RETIREMENT AGE"},{"$nulls":7},{"$f":"+ASSUMPTIONS!C2","v":60}]
[{"$f":"+ASSUMPTIONS!B3","v":"LIFE EXPECTANCY"},{"$nulls":7},{"$f":"+ASSUMPTIONS!C3","v":85}]
[{"$f":"+ASSUMPTIONS!B4","v":"POST RETIRMENT NO OF YRS PENSION REQUIRED"},{"$nulls":7},{"$f":"+ASSUMPTIONS!C4","v":25}]
[{"$f":"+ASSUMPTIONS!B5","v":"PRE - RETIREMENT INFLN"},{"$nulls":7},{"$f":"+ASSUMPTIONS!C5","v":7.0000000000000007E-2}]
[{"$f":"+ASSUMPTIONS!B6","v":"POST - RETIREMENT INFLN"},{"$nulls":7},{"$f":"+ASSUMPTIONS!C6","v":0.05}]
[{"$f":"+ASSUMPTIONS!B7","v":"EDUCATION INFLATION"},{"$nulls":7},{"$f":"+ASSUMPTIONS!C7","v":7.0000000000000007E-2}]
[{"$f":"+ASSUMPTIONS!B8","v":"RETURN ON DEBT"},{"$nulls":7},{"$f":"+ASSUMPTIONS!C8","v":0.06}]
[{"$f":"+ASSUMPTIONS!B9","v":"RETURN ON EQUITY"},{"$nulls":7},{"$f":"+ASSUMPTIONS!C9","v":0.12}]
[{"$f":"+ASSUMPTIONS!B10","v":"RETURN ON BALANCE FUND"},{"$nulls":7},{"$f":"+ASSUMPTIONS!C10","v":0.1}]
[{"$f":"+ASSUMPTIONS!B11","v":"RETURN ON GOLD"},{"$nulls":7},{"$f":"+ASSUMPTIONS!C11","v":0.08}]
[{"$f":"+ASSUMPTIONS!B12","v":"RETURN ON PROPERTY"},{"$nulls":7},{"$f":"+ASSUMPTIONS!C12","v":0.08}]
[{"$f":"+ASSUMPTIONS!B13","v":"RETURN ON PPF / PF"},{"$nulls":7},{"$f":"+ASSUMPTIONS!C13","v":7.0000000000000007E-2}]
[{"$f":"+ASSUMPTIONS!B14","v":"POST- RETIREMENT RETURN"},{"$nulls":7},{"$f":"+ASSUMPTIONS!C14","v":0.05}]
[{"$f":"+ASSUMPTIONS!B15","v":"NO OF YRS LEFT FOR RETIREMENT"},{"$nulls":7},{"$f":"+ASSUMPTIONS!C15","v":-65}]
[]
[]
[]
["CASH FLOWS "]
["TOTAL YEARLY INFLOWS",{"$nulls":4},{"$f":"+'SURPLUS & NETWORTH'!C2","v":5400000},"TOTAL MONTHLY INFLOWS",null,{"$f":"F291/12","v":450000}]
[{"$f":"+'SURPLUS & NETWORTH'!B3","v":"FAMILY STANDARD OF LIVING EXPENSES"},{"$nulls":4},{"$f":"+'SURPLUS & NETWORTH'!C3","v":940800},{"$f":"+'SURPLUS & NETWORTH'!D3","v":"FAMILY STANDARD OF LIVING EXPENSES"},null,{"$f":"F292/12","v":78400}]
[{"$f":"+'SURPLUS & NETWORTH'!B4","v":"PURE INSURANCE PREMIUMS"},{"$nulls":4},{"$f":"+'SURPLUS & NETWORTH'!C4","v":0},{"$f":"+'SURPLUS & NETWORTH'!D4","v":"PURE INSURANCE PREMIUMS"},null,{"$f":"F293/12","v":0}]
[{"$f":"+'SURPLUS & NETWORTH'!B5","v":"REGULAR SAVINGS & INVESTMENTS"},{"$nulls":4},{"$f":"+'SURPLUS & NETWORTH'!C5","v":0},{"$f":"+'SURPLUS & NETWORTH'!D5","v":"REGULAR SAVINGS & INVESTMENTS"},null,{"$f":"F294/12","v":0}]
[{"$f":"+'SURPLUS & NETWORTH'!B6","v":"LOAN EMI DETAILS"},{"$nulls":4},{"$f":"+'SURPLUS & NETWORTH'!C6","v":1013316},{"$f":"+'SURPLUS & NETWORTH'!D6","v":"LOAN DETAILS"},null,{"$f":"F295/12","v":84443}]
[{"$f":"+'SURPLUS & NETWORTH'!B7","v":"TOTAL YEARLY OUTFLOWS"},{"$nulls":4},{"$f":"SUM(F292:F295)","v":1954116},{"$f":"+'SURPLUS & NETWORTH'!D7","v":"TOTAL MONTHLY OUTFLOWS"},null,{"$f":"SUM(I292:I295)","v":162843}]
[{"$f":"+'SURPLUS & NETWORTH'!B8","v":"YEARLY SURPLUS AMOUNT"},{"$nulls":4},{"$f":"+F291-F296","v":3445884},{"$f":"+'SURPLUS & NETWORTH'!D8","v":"MONTHLY SURPLUS AMOUNT"},null,{"$f":"+I291-I296","v":287157}]
{"$rows_empty":19}
["NETWORTH STATEMENT"]
["ASSETS",{"$nulls":4},"AMT","LIABLITIES",null,"AMT"]
[{"$f":"+'SURPLUS & NETWORTH'!B12","v":"FINANCIAL ASSETS"},{"$nulls":4},{"$f":"+'SURPLUS & NETWORTH'!C12","v":0},{"$f":"+'SURPLUS & NETWORTH'!D12","v":"LOAN LIABILITIES"},null,{"$f":"+'SURPLUS & NETWORTH'!E12","v":8205617}]
[{"$f":"+'SURPLUS & NETWORTH'!B13","v":"NON FINANCIAL ASSETS"},{"$nulls":4},{"$f":"+'SURPLUS & NETWORTH'!C13","v":0},{"$f":"+'SURPLUS & NETWORTH'!D13","v":"SOP HOUSE"},null,{"$f":"+'SURPLUS & NETWORTH'!E13","v":0}]
[{"$f":"+'SURPLUS & NETWORTH'!B14","v":"CASH VALUE OF INSURANCE OF INSURANCE POLICIES"},{"$nulls":4},{"$f":"+'SURPLUS & NETWORTH'!C14","v":0},{"$f":"+'SURPLUS & NETWORTH'!D14","v":0},null,{"$f":"+'SURPLUS & NETWORTH'!E14","v":0}]
[{"$f":"+'SURPLUS & NETWORTH'!B15","v":"JEWELLERY- ORNAMENTS"},{"$nulls":4},{"$f":"+'SURPLUS & NETWORTH'!C15","v":0},{"$f":"+'SURPLUS & NETWORTH'!D15","v":"CAR"},null,{"$f":"+'SURPLUS & NETWORTH'!E15","v":0}]
[{"$f":"+'SURPLUS & NETWORTH'!B16","v":"TOTAL ASSETS"},{"$nulls":4},{"$f":"SUM(F319:F322)","v":0},{"$f":"+'SURPLUS & NETWORTH'!D16","v":"TOTAL LIABILITIES"},null,{"$f":"+'SURPLUS & NETWORTH'!E16","v":8205617}]
["NETWORTH VALUE",{"$nulls":7},{"$f":"F323-I323","v":-8205617}]
[]
[]
["Networth"]
["TOTAL ASSETS",{"$nulls":7},{"$f":"+'SURPLUS & NETWORTH'!H15","v":0}]
["TOTAL LIABILITIES",{"$nulls":7},{"$f":"+'SURPLUS & NETWORTH'!H16","v":8205617}]
["NETWORTH",{"$nulls":7},{"$f":"I328-I329","v":-8205617}]
{"$rows_empty":33}
[null,null,"Contingency Planning"]
[]
[]
[]
["EMERGENCY PLANNING FOR JOB LOSS / BUSINESS LOSS /CASH CRUNCH"]
[]
["TOTAL AVERAGE MONTHLY OUTFLOW",{"$nulls":5},{"$f":"+'EMERGENCY FUND'!B2","v":162843}]
["NO OF MONTHS TO BE PLANNED",{"$nulls":5},{"$f":"+'EMERGENCY FUND'!B3","v":9}]
["TOTAL EMERGENCY FUND REQUIRED",{"$nulls":5},{"$f":"+'EMERGENCY FUND'!B4","v":1465587}]
["EXISTING PROVISION",{"$nulls":5},{"$f":"+'EMERGENCY FUND'!B5","v":400000}]
["GAP AMOUNT TO BE FILLED",{"$nulls":5},{"$f":"+'EMERGENCY FUND'!B6","v":1065587}]
[]
[]
["EXISITING SOURCES",{"$nulls":5},"AMT"]
["SAVING BALANCE",{"$nulls":5},{"$f":"'EMERGENCY FUND'!E3","v":0}]
["FIXED DEPOSITS",{"$nulls":5},{"$f":"'EMERGENCY FUND'!E4","v":400000}]
["TOTAL EXISTING AMT",{"$nulls":5},{"$f":"'EMERGENCY FUND'!E5","v":400000}]
["WHERE TO INVEST",{"$nulls":5},"AMT"]
["IN SAVING A/C  1 MONTH PROVISION",{"$nulls":5},{"$f":"+'EMERGENCY FUND'!E7","v":162843}]
["IN BANK FD/ LIQUID FUND",{"$nulls":5},{"$f":"+'EMERGENCY FUND'!E8","v":1302744}]
["TOTAL INVESTMENT",{"$nulls":5},{"$f":"SUM(G382:G383)","v":1465587}]
{"$rows_empty":26}
["PLANNING FOR UNCERTAIN EVENTS / RISK PLANNING"]
[]
[]
["EVENTS TO BE PLANNED",{"$nulls":4},"REQUIRED COVER","EXISTING COVER","EXISTING SOURCES","GAP AMT \nTO BE FILLED"]
[]
["A","MAJOR HEALTH PROBLEMS"]
[1,"BASIC HEALTH PLAN",null,null,null,{"$f":"+'RISK PLANNING'!D8","v":1000000},{"$f":"+'RISK PLANNING'!F8","v":0},{"$f":"+'RISK PLANNING'!G8","v":0},{"$f":"+'RISK PLANNING'!H8","v":1000000}]
[2,"TOP UP PLAN",null,null,null,{"$f":"+'RISK PLANNING'!D9","v":2000000},{"$f":"+'RISK PLANNING'!F9","v":0},{"$f":"+'RISK PLANNING'!G9","v":0},{"$f":"+'RISK PLANNING'!H9","v":2000000}]
[3,"CRITICAL ILLNESS",null,null,null,{"$f":"+'RISK PLANNING'!D10","v":1000000},{"$f":"+'RISK PLANNING'!F10","v":0},{"$f":"+'RISK PLANNING'!G10","v":0},{"$f":"+'RISK PLANNING'!H10","v":1000000}]
[4,"HOSPITAL CASH BENEFIT PLAN",null,null,null,{"$f":"+'RISK PLANNING'!D11","v":3000},{"$f":"+'RISK PLANNING'!F11","v":0},{"$f":"+'RISK PLANNING'!G11","v":0},{"$f":"+'RISK PLANNING'!H11","v":3000}]
[5,"PARENTS HEALTH INSURANCE",null,null,null,{"$f":"+'RISK PLANNING'!D12","v":500000},{"$f":"+'RISK PLANNING'!F12","v":0},{"$f":"+'RISK PLANNING'!G12","v":0},{"$f":"+'RISK PLANNING'!H12","v":500000}]
["TOTAL",{"$nulls":4},{"$f":"+'RISK PLANNING'!D13","v":4503000},{"$f":"+'RISK PLANNING'!F13","v":0},{"$f":"+'RISK PLANNING'!G13","v":" "},{"$f":"+'RISK PLANNING'!H13","v":4503000}]
[]
[]
["B","ACCIDENTAL DISABILITY/ DEATH"]
[1,"TO MAINTAIN SAME STNDRD OF LIVING",null,null,null,{"$f":"+'RISK PLANNING'!D15","v":15680000},{"$f":"+'RISK PLANNING'!F15","v":0},{"$f":"+'RISK PLANNING'!G15","v":"FINANCIAL ASSETS"}]
[2,"REPAY ALL THE LOAN LIABILITIES",null,null,null,{"$f":"+'RISK PLANNING'!D16","v":8205617},{"$f":"+'RISK PLANNING'!F16","v":0},{"$f":"+'RISK PLANNING'!G16","v":"NON FINANCIAL ASSETS EXCEPT SOP HOUSE, CAR, JEWELLERY"}]
[3,"TO COVER CHILDREN EDUCATION & MARRIAGE",null,null,null,{"$f":"+'RISK PLANNING'!D17","v":0},{"$f":"+'RISK PLANNING'!F17","v":0},{"$f":"+'RISK PLANNING'!G17","v":"ACCIDENTAL POLICY IF ANY"}]
[4,"TO FULFILL GOALS",null,null,null,{"$f":"+'RISK PLANNING'!D18","v":0},{"$f":"+'RISK PLANNING'!F20","v":0},{"$f":"+'RISK PLANNING'!G18","v":"ANY OTHER ASSETS"}]
[null,"TOTAL",null,null,null,{"$f":"+'RISK PLANNING'!D19","v":23885617},{"$f":"+'RISK PLANNING'!F19","v":0},null,{"$f":"+'RISK PLANNING'!H19","v":23885617}]
[]
["C","LIFE COVER (NEED BASED METHOD)"]
[1,{"$f":"+'RISK PLANNING'!C22","v":"TO MAINTAIN SAME STANDARD OF LIVING"},null,null,null,{"$f":"+'RISK PLANNING'!D22","v":15680000},{"$f":"+'RISK PLANNING'!F22","v":0},"FINANCIAL ASSETS"]
[2,{"$f":"+'RISK PLANNING'!C23","v":"REPAY ALL THE LOAN LIABILITIES"},null,null,null,{"$f":"+'RISK PLANNING'!D23","v":8205617},{"$f":"+'RISK PLANNING'!F23","v":0},"NON FINANCIAL ASSETS EXCEPT SOP HOUSE, CAR, JEWELLERY"]
[3,{"$f":"+'RISK PLANNING'!C24","v":"TO COVER CHILDREN EDUCATION & MARRIAGE"},null,null,null,{"$f":"+'RISK PLANNING'!D24","v":0},{"$f":"+'RISK PLANNING'!F24","v":0},"Term Plan"]
[4,{"$f":"+'RISK PLANNING'!C25","v":"TO FULFILL GOALS"},null,null,null,{"$f":"+'RISK PLANNING'!D25","v":0},{"$f":"+'RISK PLANNING'!F25","v":0},"Endowment & ULIP Plan Death Benefit amount"]
[null,{"$f":"+'RISK PLANNING'!C26","v":"TOTAL"},null,null,null,{"$f":"SUM(F433:F436)","v":23885617},{"$f":"SUM(G433:G436)","v":0}," ",{"$f":"+'RISK PLANNING'!H26","v":23885617}]
[]
["D",{"$f":"+'RISK PLANNING'!C28","v":"HOUSE BREAKING & BURGLARY INSURANCE"},null,null,null,{"$f":"+'RISK PLANNING'!D28","v":0},{"$f":"+'RISK PLANNING'!F28","v":0},0]
[]
["E",{"$f":"+'RISK PLANNING'!C30","v":"VEHICLE INSURANCE"},null,null,null,{"$f":"+'RISK PLANNING'!D30","v":0},{"$f":"+'RISK PLANNING'!F30","v":0},0]
["Planners Note"]
[{"$f":"+'RISK PLANNING'!D32","v":"1). Considering medical inflation in India, Existing health cover of Rs 5 Lakh is not sufficient. Hence it is recommended to go for Rs 10 Lakh base cover as well as Rs 20 lakh Top Up cover. 2). You do not have sufficient financial assets to cover expenses in case of liability. Hence it is recommended to have PA policy with 1.5 Cr cover"}]
[]
[]
[]
[]
["RETIREMENT PLANNING"]
["PRE- RETIREMENT STAGE",{"$nulls":5},"POST - RETIREMENT STAGE"]
[]
["PRE - RETIREMENT MONTHLY EXPS",{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!B3","v":78400},{"$f":"+'RETIREMENT PLANNING'!D3","v":"YEARLY GAP INCOME REQUIRED"},null,{"$f":"+'RETIREMENT PLANNING'!E3","v":516.83764345338636}]
[]
["POST RETIREMENT MLY EXPENSES",{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!B5","v":62720},{"$f":"+'RETIREMENT PLANNING'!D5","v":"NO OF  YEARS PENSION REQUIRED"},null,{"$f":"+'RETIREMENT PLANNING'!E5","v":0}]
[]
["PRE - RETIREMENT INFLATION RATE",{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!B7","v":0.06},{"$f":"+'RETIREMENT PLANNING'!D7","v":"POST RETIREMENT RETURN ON INVESTMENTS"},null,{"$f":"+'RETIREMENT PLANNING'!E7","v":0}]
[{"$nulls":8},{"$f":"+'RETIREMENT PLANNING'!E8","v":0}]
["CURRENT AGE",{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!B9","v":125},{"$f":"+'RETIREMENT PLANNING'!D9","v":"CORPUS REQUIRED ON RETIREMENT YEAR"},null,{"$f":"+'RETIREMENT PLANNING'!E9","v":0}]
[{"$nulls":8},{"$f":"+'RETIREMENT PLANNING'!E10","v":0}]
["RETIREMENT AGE",{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!B11","v":0},{"$f":"+'RETIREMENT PLANNING'!D11","v":"FUTURE VALUE OF EXISTING INVESTMENTS"},null,{"$f":"+'RETIREMENT PLANNING'!E11","v":0}]
[{"$nulls":8},{"$f":"+'RETIREMENT PLANNING'!E12","v":0}]
["NO OF YEARS LEFT FOR RETIREMNT",{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!B13","v":-125},{"$f":"+'RETIREMENT PLANNING'!D13","v":"GAP CORPUS TO BE ACCUMULATED BY RETIREMENT"},null,{"$f":"+'RETIREMENT PLANNING'!E13","v":0}]
[]
["MLY EXPENSES ON RETIREMENT YEAR",{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!B15","v":43.069803621115533},{"$f":"+'RETIREMENT PLANNING'!D15","v":"PRE - RETIREMENT RETURN ON INVESTMENTS"},null,{"$f":"+'RETIREMENT PLANNING'!E15","v":0.12}]
["EXISTING PENSION /  POST RETIRMENT INCOME RECEIVABLE",{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!B16","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!E16","v":0}]
["GAP MONTHLY PENSION/ INCOME REQUIRED",{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!B17","v":43.069803621115533},{"$f":"+'RETIREMENT PLANNING'!D17","v":"NEW MLY INVESTMENTS TO FILL GAP OF RETIREMENT"},null,{"$f":"+'RETIREMENT PLANNING'!E17","v":0}]
[]
[]
["EXISTING MONTHLY INCOME/ PENSION POST RETIREMENT"]
[]
["SOURCE",{"$nulls":4},"PRESENT MLY\n Rental INCOME","PRESENT YEARLY INCOME","GROWTH RATE,IF ANY","YEARLY FUTURE VALUE"]
[{"$f":"+'RETIREMENT PLANNING'!G3","v":"RENTAL INCOME"},{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!H3","v":0},{"$f":"F471*12","v":0},{"$f":"+'RETIREMENT PLANNING'!J3","v":0.05},{"$f":"+'RETIREMENT PLANNING'!K3","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!G4","v":"PENSION INCOME"},{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!H4","v":0},0,{"$f":"+'RETIREMENT PLANNING'!J4","v":0.05},{"$f":"+'RETIREMENT PLANNING'!K4","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!G5","v":"DIVIDEND INCOME"},{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!H5","v":0},0,{"$f":"+'RETIREMENT PLANNING'!J5","v":0.05},{"$f":"+'RETIREMENT PLANNING'!K5","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!G6","v":"ROYALTY INCOME"},{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!H6","v":0},0,{"$f":"+'RETIREMENT PLANNING'!J6","v":0.05},{"$f":"+'RETIREMENT PLANNING'!K6","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!G7","v":0},{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!H7","v":0},0,{"$f":"+'RETIREMENT PLANNING'!J7","v":0.05},{"$f":"+'RETIREMENT PLANNING'!K7","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!G8","v":0},{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!H8","v":0},0,{"$f":"+'RETIREMENT PLANNING'!J8","v":0.05},{"$f":"+'RETIREMENT PLANNING'!K8","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!G9","v":0},{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!H9","v":0},0,{"$f":"+'RETIREMENT PLANNING'!J9","v":0.05},{"$f":"+'RETIREMENT PLANNING'!K9","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!G10","v":0},{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!H10","v":0},0,{"$f":"+'RETIREMENT PLANNING'!J10","v":0.05},{"$f":"+'RETIREMENT PLANNING'!K10","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!G11","v":0},{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!H11","v":0},0,{"$f":"+'RETIREMENT PLANNING'!J11","v":0.05},{"$f":"+'RETIREMENT PLANNING'!K11","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!G12","v":0},{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!H12","v":0},0,{"$f":"+'RETIREMENT PLANNING'!J12","v":0.05},{"$f":"+'RETIREMENT PLANNING'!K12","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!G13","v":0},{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!H13","v":0},0,{"$f":"+'RETIREMENT PLANNING'!J13","v":0.05},{"$f":"+'RETIREMENT PLANNING'!K13","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!G14","v":0},{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!H14","v":0},0,{"$f":"+'RETIREMENT PLANNING'!J14","v":0.05},{"$f":"+'RETIREMENT PLANNING'!K14","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!G15","v":0},{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!H15","v":0},0,{"$f":"+'RETIREMENT PLANNING'!J15","v":0.05},{"$f":"+'RETIREMENT PLANNING'!K15","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!G16","v":0},{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!H16","v":0},0,{"$f":"+'RETIREMENT PLANNING'!J16","v":0.05},{"$f":"+'RETIREMENT PLANNING'!K16","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!G17","v":"TOTAL"},{"$nulls":4},{"$f":"G485/12","v":0},{"$f":"SUM(G471:G484)","v":0},"TOTAL",{"$f":"SUM(I471:I484)","v":0}]
[{"$nulls":6},"MLY AVERAGE",null,{"$f":"I485/12","v":0}]
[]
[]
[]
["RETIREMENT YEAR",{"$nulls":4},{"$f":"+'RETIREMENT PLANNING'!B24","v":1899}]
["FUTURE VALUE OF EXISTING ASSETS/INVESTMENTS ALLOCATED TO RETIREMENT NEEDS"]
["NAME OF SCHEME/INVESTMENT",null,null,"CURRENT VALUE/ REINVESTED VALUE","ROR","FUTURE REGURLAR INVESTMENTS AMT","Investment Period","Mode\nYearly or current value = 1,\nHALF yearly = 2,\nQuarterly = 4,\n Monthly = 12","Recommendation","FUTURE VALUE ON RETIREMENT"]
[{"$f":"+'RETIREMENT PLANNING'!A27","v":"Employee Provident fund (EPF)"},null,null,{"$f":"+'RETIREMENT PLANNING'!B27","v":0},{"$f":"+'RETIREMENT PLANNING'!D27","v":0.08},{"$f":"+'RETIREMENT PLANNING'!C27","v":0},{"$f":"+'RETIREMENT PLANNING'!E27","v":-125},{"$f":"+'RETIREMENT PLANNING'!F27","v":1},{"$f":"+'RETIREMENT PLANNING'!G27","v":0},{"$f":"+'RETIREMENT PLANNING'!H27","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A28","v":"Public Provident Fund (PPF)"},null,null,{"$f":"+'RETIREMENT PLANNING'!B28","v":0},{"$f":"+'RETIREMENT PLANNING'!D28","v":7.0000000000000007E-2},{"$f":"+'RETIREMENT PLANNING'!C28","v":0},{"$f":"+'RETIREMENT PLANNING'!E28","v":-125},{"$f":"+'RETIREMENT PLANNING'!F28","v":1},{"$f":"+'RETIREMENT PLANNING'!G28","v":0},{"$f":"+'RETIREMENT PLANNING'!H28","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A29","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!B29","v":0},{"$f":"+'RETIREMENT PLANNING'!D29","v":0.1},{"$f":"+'RETIREMENT PLANNING'!C29","v":0},{"$f":"+'RETIREMENT PLANNING'!E29","v":-125},{"$f":"+'RETIREMENT PLANNING'!F29","v":1},{"$f":"+'RETIREMENT PLANNING'!G29","v":0},{"$f":"+'RETIREMENT PLANNING'!H29","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A30","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!B30","v":0},{"$f":"+'RETIREMENT PLANNING'!D30","v":7.0000000000000007E-2},{"$f":"+'RETIREMENT PLANNING'!C30","v":0},{"$f":"+'RETIREMENT PLANNING'!E30","v":-125},{"$f":"+'RETIREMENT PLANNING'!F30","v":1},{"$f":"+'RETIREMENT PLANNING'!G30","v":0},{"$f":"+'RETIREMENT PLANNING'!H30","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A31","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!B31","v":0},{"$f":"+'RETIREMENT PLANNING'!D31","v":0.08},{"$f":"+'RETIREMENT PLANNING'!C31","v":0},{"$f":"+'RETIREMENT PLANNING'!E31","v":-125},{"$f":"+'RETIREMENT PLANNING'!F31","v":1},{"$f":"+'RETIREMENT PLANNING'!G31","v":" "},{"$f":"+'RETIREMENT PLANNING'!H31","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A32","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!B32","v":0},{"$f":"+'RETIREMENT PLANNING'!D32","v":0.08},{"$f":"+'RETIREMENT PLANNING'!C32","v":0},{"$f":"+'RETIREMENT PLANNING'!E32","v":-125},{"$f":"+'RETIREMENT PLANNING'!F32","v":1},{"$f":"+'RETIREMENT PLANNING'!G32","v":" "},{"$f":"+'RETIREMENT PLANNING'!H32","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A33","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!B33","v":0},{"$f":"+'RETIREMENT PLANNING'!D33","v":0.08},{"$f":"+'RETIREMENT PLANNING'!C33","v":0},{"$f":"+'RETIREMENT PLANNING'!E33","v":-125},{"$f":"+'RETIREMENT PLANNING'!F33","v":1},{"$f":"+'RETIREMENT PLANNING'!G33","v":0},{"$f":"+'RETIREMENT PLANNING'!H33","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A34","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!B34","v":0},{"$f":"+'RETIREMENT PLANNING'!D34","v":0.08},{"$f":"+'RETIREMENT PLANNING'!C34","v":0},{"$f":"+'RETIREMENT PLANNING'!E34","v":-125},{"$f":"+'RETIREMENT PLANNING'!F34","v":1},{"$f":"+'RETIREMENT PLANNING'!G34","v":0},{"$f":"+'RETIREMENT PLANNING'!H34","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A35","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!B35","v":0},{"$f":"+'RETIREMENT PLANNING'!D35","v":0.08},{"$f":"+'RETIREMENT PLANNING'!C35","v":0},{"$f":"+'RETIREMENT PLANNING'!E35","v":-125},{"$f":"+'RETIREMENT PLANNING'!F35","v":1},{"$f":"+'RETIREMENT PLANNING'!G35","v":0},{"$f":"+'RETIREMENT PLANNING'!H35","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A36","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!B36","v":0},{"$f":"+'RETIREMENT PLANNING'!D36","v":0.08},{"$f":"+'RETIREMENT PLANNING'!C36","v":0},{"$f":"+'RETIREMENT PLANNING'!E36","v":-125},{"$f":"+'RETIREMENT PLANNING'!F36","v":1},{"$f":"+'RETIREMENT PLANNING'!G36","v":0},{"$f":"+'RETIREMENT PLANNING'!H36","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A37","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!B37","v":0},{"$f":"+'RETIREMENT PLANNING'!D37","v":0.08},{"$f":"+'RETIREMENT PLANNING'!C37","v":0},{"$f":"+'RETIREMENT PLANNING'!E37","v":-125},{"$f":"+'RETIREMENT PLANNING'!F37","v":1},{"$f":"+'RETIREMENT PLANNING'!G37","v":0},{"$f":"+'RETIREMENT PLANNING'!H37","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A38","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!B38","v":0},{"$f":"+'RETIREMENT PLANNING'!D38","v":0.08},{"$f":"+'RETIREMENT PLANNING'!C38","v":0},{"$f":"+'RETIREMENT PLANNING'!E38","v":-125},{"$f":"+'RETIREMENT PLANNING'!F38","v":1},{"$f":"+'RETIREMENT PLANNING'!G38","v":0},{"$f":"+'RETIREMENT PLANNING'!H38","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A39","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!B39","v":0},{"$f":"+'RETIREMENT PLANNING'!D39","v":0.08},{"$f":"+'RETIREMENT PLANNING'!C39","v":0},{"$f":"+'RETIREMENT PLANNING'!E39","v":-125},{"$f":"+'RETIREMENT PLANNING'!F39","v":1},{"$f":"+'RETIREMENT PLANNING'!G39","v":0},{"$f":"+'RETIREMENT PLANNING'!H39","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A40","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!B40","v":0},{"$f":"+'RETIREMENT PLANNING'!D40","v":0.08},{"$f":"+'RETIREMENT PLANNING'!C40","v":0},{"$f":"+'RETIREMENT PLANNING'!E40","v":-125},{"$f":"+'RETIREMENT PLANNING'!F40","v":1},{"$f":"+'RETIREMENT PLANNING'!G40","v":0},{"$f":"+'RETIREMENT PLANNING'!H40","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A41","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!B41","v":0},{"$f":"+'RETIREMENT PLANNING'!D41","v":0.08},{"$f":"+'RETIREMENT PLANNING'!C41","v":0},{"$f":"+'RETIREMENT PLANNING'!E41","v":-125},{"$f":"+'RETIREMENT PLANNING'!F41","v":1},{"$f":"+'RETIREMENT PLANNING'!G41","v":0},{"$f":"+'RETIREMENT PLANNING'!H41","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A42","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!B42","v":0},{"$f":"+'RETIREMENT PLANNING'!D42","v":0.08},{"$f":"+'RETIREMENT PLANNING'!C42","v":0},{"$f":"+'RETIREMENT PLANNING'!E42","v":-125},{"$f":"+'RETIREMENT PLANNING'!F42","v":1},{"$f":"+'RETIREMENT PLANNING'!G42","v":0},{"$f":"+'RETIREMENT PLANNING'!H42","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A43","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!B43","v":0},{"$f":"+'RETIREMENT PLANNING'!D43","v":0.08},{"$f":"+'RETIREMENT PLANNING'!C43","v":0},{"$f":"+'RETIREMENT PLANNING'!E43","v":-125},{"$f":"+'RETIREMENT PLANNING'!F43","v":1},{"$f":"+'RETIREMENT PLANNING'!G43","v":0},{"$f":"+'RETIREMENT PLANNING'!H43","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A44","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!B44","v":0},{"$f":"+'RETIREMENT PLANNING'!D44","v":0.08},{"$f":"+'RETIREMENT PLANNING'!C44","v":0},{"$f":"+'RETIREMENT PLANNING'!E44","v":-125},{"$f":"+'RETIREMENT PLANNING'!F44","v":1},{"$f":"+'RETIREMENT PLANNING'!G44","v":0},{"$f":"+'RETIREMENT PLANNING'!H44","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A45","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!B45","v":0},{"$f":"+'RETIREMENT PLANNING'!D45","v":0.08},{"$f":"+'RETIREMENT PLANNING'!C45","v":0},{"$f":"+'RETIREMENT PLANNING'!E45","v":-125},{"$f":"+'RETIREMENT PLANNING'!F45","v":1},{"$f":"+'RETIREMENT PLANNING'!G45","v":0},{"$f":"+'RETIREMENT PLANNING'!H45","v":0}]
[{"$f":"+'RETIREMENT PLANNING'!A46","v":0},null,null,{"$f":"+'RETIREMENT PLANNING'!B46","v":0},{"$f":"+'RETIREMENT PLANNING'!D46","v":0.08},{"$f":"+'RETIREMENT PLANNING'!C46","v":0},{"$f":"+'RETIREMENT PLANNING'!E46","v":-125},{"$f":"+'RETIREMENT PLANNING'!F46","v":1},{"$f":"+'RETIREMENT PLANNING'!G46","v":0},{"$f":"+'RETIREMENT PLANNING'!H46","v":0}]
[{"$nulls":6},"Total Existing Retirement Corpus",null,null,{"$f":"+'RETIREMENT PLANNING'!H47","v":0}]
[{"$nulls":9},"`"]
[]
["       EDUCATION & MARRIAGE\n          PROVISION PLANNING"]
[]
["Education is one of the most important aspects of our lives. It becomes even more important when one plans for children's education. Parents’ nervousness further increases as child grows older and the only option left with them is repenting their mistakes when there is no planning done in advance. Sometimes they feel sad about not having invested/done any savings for their child which can result in their child not getting quality education, better clothings and life style in case of death of breadwinner of the family.\n\nYou should be having higher exposure to equities in order to beat inflation in the long run. Do not forget to have sufficient cover for yourself by buying a term plan. We have mantion Products name that can be used for this goal."]
["YEAR","NAME OF GOAL",null,null,null,"CHILD AGE","NO OF YEARS  LEFT","INFLATION RATE","PRESENT COST",null,"FUTURE COST"]
[]
[{"$f":"+'EDUCATION & MARRIAGE'!A3","v":0},{"$f":"+'EDUCATION & MARRIAGE'!B3","v":"Mayuri Graduation"},null,null,null,{"$f":"+'EDUCATION & MARRIAGE'!C3","v":0},{"$f":"+INPUT!J93","v":0},{"$f":"+'EDUCATION & MARRIAGE'!H3","v":7.0000000000000007E-2},{"$f":"+'EDUCATION & MARRIAGE'!G3","v":0},null,{"$f":"I521*(1+H521)^(G521)","v":0}]
[{"$f":"+'EDUCATION & MARRIAGE'!A4","v":0},{"$f":"+'EDUCATION & MARRIAGE'!B4","v":"Mayuri Post Graduation"},null,null,null,{"$f":"+'EDUCATION & MARRIAGE'!C4","v":0},{"$f":"+INPUT!J94","v":0},{"$f":"+'EDUCATION & MARRIAGE'!H4","v":7.0000000000000007E-2},{"$f":"+'EDUCATION & MARRIAGE'!G4","v":0},null,0]
[{"$f":"+'EDUCATION & MARRIAGE'!A5","v":0},{"$f":"+'EDUCATION & MARRIAGE'!B5","v":"Heramb Graduation"},null,null,null,{"$f":"+'EDUCATION & MARRIAGE'!C5","v":0},{"$f":"+INPUT!J95","v":0},{"$f":"+'EDUCATION & MARRIAGE'!H5","v":7.0000000000000007E-2},{"$f":"+'EDUCATION & MARRIAGE'!G5","v":0},null,0]
[{"$f":"+'EDUCATION & MARRIAGE'!A6","v":0},{"$f":"+'EDUCATION & MARRIAGE'!B6","v":"Heramb Post Graduation"},null,null,null,{"$f":"+'EDUCATION & MARRIAGE'!D6","v":0},{"$f":"+INPUT!J96","v":0},{"$f":"+'EDUCATION & MARRIAGE'!H6","v":7.0000000000000007E-2},{"$f":"+'EDUCATION & MARRIAGE'!G6","v":0},null,0]
[{"$f":"+'EDUCATION & MARRIAGE'!A7","v":0},{"$f":"+'EDUCATION & MARRIAGE'!B7","v":0},null,null,null,{"$f":"+'EDUCATION & MARRIAGE'!D7","v":0},{"$f":"+INPUT!J97","v":0},{"$f":"+'EDUCATION & MARRIAGE'!H7","v":7.0000000000000007E-2},{"$f":"+'EDUCATION & MARRIAGE'!G7","v":0},null,0]
[{"$f":"+'EDUCATION & MARRIAGE'!A8","v":0},{"$f":"+'EDUCATION & MARRIAGE'!B8","v":0},null,null,null,{"$f":"+'EDUCATION & MARRIAGE'!D8","v":0},{"$f":"+INPUT!J98","v":0},{"$f":"+'EDUCATION & MARRIAGE'!H8","v":7.0000000000000007E-2},{"$f":"+'EDUCATION & MARRIAGE'!G8","v":0},null,0]
[{"$f":"+'EDUCATION & MARRIAGE'!A9","v":0},{"$f":"+'EDUCATION & MARRIAGE'!B9","v":0},null,null,null,{"$f":"+'EDUCATION & MARRIAGE'!E9","v":0},{"$f":"+INPUT!J99","v":0},{"$f":"+'EDUCATION & MARRIAGE'!H9","v":7.0000000000000007E-2},{"$f":"+'EDUCATION & MARRIAGE'!G9","v":0},null,0]
[{"$f":"+'EDUCATION & MARRIAGE'!A10","v":0},{"$f":"+'EDUCATION & MARRIAGE'!B10","v":0},null,null,null,{"$f":"+'EDUCATION & MARRIAGE'!E10","v":0},{"$f":"+INPUT!J100","v":0},{"$f":"+'EDUCATION & MARRIAGE'!H10","v":7.0000000000000007E-2},{"$f":"+'EDUCATION & MARRIAGE'!G10","v":0},null,0]
[{"$f":"+'EDUCATION & MARRIAGE'!A11","v":0},{"$f":"+'EDUCATION & MARRIAGE'!B11","v":0},null,null,null,{"$f":"+'EDUCATION & MARRIAGE'!E11","v":0},{"$f":"+INPUT!J101","v":0},{"$f":"+'EDUCATION & MARRIAGE'!H11","v":7.0000000000000007E-2},{"$f":"+'EDUCATION & MARRIAGE'!G11","v":0},null,0]
[{"$f":"+'EDUCATION & MARRIAGE'!A12","v":0},{"$f":"+'EDUCATION & MARRIAGE'!B12","v":0},null,null,null,{"$f":"+'EDUCATION & MARRIAGE'!C12","v":0},{"$f":"+INPUT!J102","v":0},{"$f":"+'EDUCATION & MARRIAGE'!H12","v":7.0000000000000007E-2},{"$f":"+'EDUCATION & MARRIAGE'!G12","v":0},null,0]
[{"$f":"+'EDUCATION & MARRIAGE'!A13","v":0},{"$f":"+'EDUCATION & MARRIAGE'!B13","v":0},null,null,null,{"$f":"+'EDUCATION & MARRIAGE'!D13","v":0},{"$f":"+INPUT!J103","v":0},{"$f":"+'EDUCATION & MARRIAGE'!H13","v":7.0000000000000007E-2},{"$f":"+'EDUCATION & MARRIAGE'!G13","v":0},null,0]
[{"$f":"+'EDUCATION & MARRIAGE'!A14","v":0},{"$f":"+'EDUCATION & MARRIAGE'!B14","v":0},null,null,null,{"$f":"+'EDUCATION & MARRIAGE'!E14","v":0},{"$f":"+'EDUCATION & MARRIAGE'!E14","v":0},{"$f":"+'EDUCATION & MARRIAGE'!H14","v":7.0000000000000007E-2},{"$f":"+'EDUCATION & MARRIAGE'!G14","v":0},null,0]
["TOTAL",{"$nulls":7},{"$f":"SUM(I521:I532)","v":0},null,{"$f":"SUM(K521:K532)","v":0}]
[]
[]
[]
["YEAR","NAME OF GOAL",null,null,null,"PRESENT COST","FUTURE COST","FUTURE VALUE OF EXISTING PROVISION","GAP AMOUNT"]
[]
[{"$f":"+A521","v":0},"Mayuri Graduation",null,null,null,{"$f":"+I521","v":0},{"$f":"+K521","v":0},{"$f":"+'EDUCATION & MARRIAGE'!Q3","v":600000},{"$f":"+G539-H539","v":-600000}]
[0,"Mayuri Post Graduation",null,null,null,0,0,{"$f":"+'EDUCATION & MARRIAGE'!Q4","v":0},{"$f":"+G540-H540","v":0}]
[0,"Heramb Graduation",null,null,null,0,0,{"$f":"+'EDUCATION & MARRIAGE'!Q5","v":0},0]
[0,"Heramb Post Graduation",null,null,null,0,0,{"$f":"+'EDUCATION & MARRIAGE'!Q6","v":0},0]
[0,0,null,null,null,0,0,{"$f":"+'EDUCATION & MARRIAGE'!Q7","v":0},0]
[0,0,null,null,null,0,0,{"$f":"+'EDUCATION & MARRIAGE'!Q8","v":0},0]
[0,0,null,null,null,0,0,{"$f":"+'EDUCATION & MARRIAGE'!Q9","v":0},0]
[0,0,null,null,null,0,0,{"$f":"+'EDUCATION & MARRIAGE'!Q10","v":0},0]
[0,0,null,null,null,0,0,{"$f":"+'EDUCATION & MARRIAGE'!Q11","v":0},0]
[0,0,null,null,null,0,0,{"$f":"+'EDUCATION & MARRIAGE'!Q12","v":0},0]
[0,0,null,null,null,0,0,{"$f":"+'EDUCATION & MARRIAGE'!Q13","v":0},0]
[0,0,null,null,null,0,0,{"$f":"+'EDUCATION & MARRIAGE'!Q14","v":0},0]
["TOTAL",{"$nulls":4},{"$f":"SUM(F539:F550)","v":0},{"$f":"SUM(G539:G550)","v":0},{"$f":"SUM(H539:H550)","v":600000},{"$f":"SUM(I539:I550)","v":-600000}]
[]
[]
["NEW INVESTMNTS REQUIRED TO FILL THE GAP"]
["GAP AMT TO BE\nACCUMULATED",{"$nulls":4},"NEW ROR","MONTHLY INVESTMENTS REQUIRED","YEARLY INVESTMENTS REQUIRED","LUMSUM INVESTMENTS REQUIRED"]
[{"$f":"+'EDUCATION & MARRIAGE'!R3","v":-600000},{"$nulls":4},{"$f":"+'EDUCATION & MARRIAGE'!S2","v":0.12},{"$f":"+'EDUCATION & MARRIAGE'!T3","v":{"$error":"#NUM!"}},{"$f":"+'EDUCATION & MARRIAGE'!U3","v":{"$error":"#NUM!"}},{"$f":"+'EDUCATION & MARRIAGE'!V3","v":-600000}]
[{"$f":"+'EDUCATION & MARRIAGE'!R4","v":0},{"$nulls":4},{"$f":"+'EDUCATION & MARRIAGE'!S3","v":0.12},{"$f":"+'EDUCATION & MARRIAGE'!T4","v":{"$error":"#NUM!"}},{"$f":"+'EDUCATION & MARRIAGE'!U4","v":{"$error":"#NUM!"}},{"$f":"+'EDUCATION & MARRIAGE'!V4","v":0}]
[{"$f":"+'EDUCATION & MARRIAGE'!R5","v":0},{"$nulls":4},{"$f":"+'EDUCATION & MARRIAGE'!S4","v":0.12},{"$f":"+'EDUCATION & MARRIAGE'!T5","v":0},{"$f":"+'EDUCATION & MARRIAGE'!U5","v":{"$error":"#NUM!"}},{"$f":"+'EDUCATION & MARRIAGE'!V5","v":0}]
[{"$f":"+'EDUCATION & MARRIAGE'!R6","v":0},{"$nulls":4},{"$f":"+'EDUCATION & MARRIAGE'!S5","v":0.12},{"$f":"+'EDUCATION & MARRIAGE'!T6","v":0},{"$f":"+'EDUCATION & MARRIAGE'!U6","v":{"$error":"#NUM!"}},{"$f":"+'EDUCATION & MARRIAGE'!V6","v":0}]
[{"$f":"+'EDUCATION & MARRIAGE'!R7","v":0},{"$nulls":4},{"$f":"+'EDUCATION & MARRIAGE'!S6","v":0.12},{"$f":"+'EDUCATION & MARRIAGE'!T7","v":0},{"$f":"+'EDUCATION & MARRIAGE'!U7","v":{"$error":"#NUM!"}},{"$f":"+'EDUCATION & MARRIAGE'!V7","v":0}]
[{"$f":"+'EDUCATION & MARRIAGE'!R8","v":0},{"$nulls":4},{"$f":"+'EDUCATION & MARRIAGE'!S7","v":0.12},{"$f":"+'EDUCATION & MARRIAGE'!T8","v":0},{"$f":"+'EDUCATION & MARRIAGE'!U8","v":{"$error":"#NUM!"}},{"$f":"+'EDUCATION & MARRIAGE'!V8","v":0}]
[{"$f":"+'EDUCATION & MARRIAGE'!R9","v":0},{"$nulls":4},{"$f":"+'EDUCATION & MARRIAGE'!S8","v":0.1},{"$f":"+'EDUCATION & MARRIAGE'!T9","v":0},{"$f":"+'EDUCATION & MARRIAGE'!U9","v":{"$error":"#NUM!"}},{"$f":"+'EDUCATION & MARRIAGE'!V9","v":0}]
[{"$f":"+'EDUCATION & MARRIAGE'!R10","v":0},{"$nulls":4},{"$f":"+'EDUCATION & MARRIAGE'!S9","v":0.1},{"$f":"+'EDUCATION & MARRIAGE'!T10","v":0},{"$f":"+'EDUCATION & MARRIAGE'!U10","v":{"$error":"#NUM!"}},{"$f":"+'EDUCATION & MARRIAGE'!V10","v":0}]
[{"$f":"+'EDUCATION & MARRIAGE'!R11","v":0},{"$nulls":4},{"$f":"+'EDUCATION & MARRIAGE'!S10","v":0.1},{"$f":"+'EDUCATION & MARRIAGE'!T11","v":0},{"$f":"+'EDUCATION & MARRIAGE'!U11","v":{"$error":"#NUM!"}},{"$f":"+'EDUCATION & MARRIAGE'!V11","v":0}]
[{"$f":"+'EDUCATION & MARRIAGE'!R12","v":0},{"$nulls":4},{"$f":"+'EDUCATION & MARRIAGE'!S11","v":0.1},{"$f":"+'EDUCATION & MARRIAGE'!T12","v":0},{"$f":"+'EDUCATION & MARRIAGE'!U12","v":{"$error":"#NUM!"}},{"$f":"+'EDUCATION & MARRIAGE'!V12","v":0}]
[{"$f":"+'EDUCATION & MARRIAGE'!R13","v":0},{"$nulls":4},{"$f":"+'EDUCATION & MARRIAGE'!S12","v":0.12},{"$f":"+'EDUCATION & MARRIAGE'!T13","v":0},{"$f":"+'EDUCATION & MARRIAGE'!U13","v":{"$error":"#NUM!"}},{"$f":"+'EDUCATION & MARRIAGE'!V13","v":0}]
[{"$f":"+'EDUCATION & MARRIAGE'!R14","v":0},{"$nulls":4},{"$f":"+'EDUCATION & MARRIAGE'!S13","v":0.12},{"$f":"+'EDUCATION & MARRIAGE'!T14","v":0},{"$f":"+'EDUCATION & MARRIAGE'!U14","v":{"$error":"#NUM!"}},{"$f":"+'EDUCATION & MARRIAGE'!V14","v":0}]
[{"$f":"+'EDUCATION & MARRIAGE'!R15","v":-600000},{"$nulls":4},{"$f":"+'EDUCATION & MARRIAGE'!S14","v":0.12},{"$f":"+'EDUCATION & MARRIAGE'!T15","v":{"$error":"#NUM!"}},{"$f":"+'EDUCATION & MARRIAGE'!U15","v":{"$error":"#NUM!"}},{"$f":"+'EDUCATION & MARRIAGE'!V15","v":-600000}]
[]
[]
["ASPIRATIONAL GOALS AND PLANNING"]
[]
[{"$f":"+GOALS!A2","v":"SR.NO"},{"$f":"+GOALS!B2","v":"GOALS / DREAMS/ NEEDS"},{"$nulls":4},{"$f":"+GOALS!E2","v":"PRESENT VALUE"},{"$f":"+GOALS!F2","v":"INFLATION RATE (%)"},{"$f":"+GOALS!G2","v":"FUTURE VALUE"}]
[]
[{"$f":"+GOALS!A4","v":1},{"$f":"+GOALS!B4","v":"Kirtana's wellness Resort"},{"$nulls":4},{"$f":"+GOALS!E4","v":0},{"$f":"+GOALS!F4","v":7.0000000000000007E-2},{"$f":"+GOALS!G4","v":0}]
[{"$f":"+GOALS!A5","v":2},{"$f":"+GOALS!B5","v":"Kirtana Yoga Office"},{"$nulls":4},{"$f":"+GOALS!E5","v":0},{"$f":"+GOALS!F5","v":7.0000000000000007E-2},{"$f":"+GOALS!G5","v":0}]
[{"$f":"+GOALS!A6","v":3},{"$f":"+GOALS!B6","v":"International Tour"},{"$nulls":4},{"$f":"+GOALS!E6","v":0},{"$f":"+GOALS!F6","v":7.0000000000000007E-2},{"$f":"+GOALS!G6","v":0}]
[{"$f":"+GOALS!A7","v":4},{"$f":"+GOALS!B7","v":0},{"$nulls":4},{"$f":"+GOALS!E7","v":0},{"$f":"+GOALS!F7","v":7.0000000000000007E-2},{"$f":"+GOALS!G7","v":0}]
[{"$f":"+GOALS!A8","v":5},{"$f":"+GOALS!B8","v":0},{"$nulls":4},{"$f":"+GOALS!E8","v":0},{"$f":"+GOALS!F8","v":7.0000000000000007E-2},{"$f":"+GOALS!G8","v":0}]
[{"$f":"+GOALS!A9","v":6},{"$f":"+GOALS!B9","v":0},{"$nulls":4},{"$f":"+GOALS!E9","v":0},{"$f":"+GOALS!F9","v":0.06},{"$f":"+GOALS!G9","v":0}]
[{"$f":"+GOALS!A10","v":7},{"$f":"+GOALS!B10","v":0},{"$nulls":4},{"$f":"+GOALS!E10","v":0},{"$f":"+GOALS!F10","v":7.0000000000000007E-2},{"$f":"+GOALS!G10","v":0}]
[null,{"$f":"+GOALS!B11","v":" "}]
[null,{"$f":"+GOALS!B12","v":0}]
[{"$f":"+A573","v":"SR.NO"},{"$f":"+B573","v":"GOALS / DREAMS/ NEEDS"},{"$nulls":4},{"$f":"+I573","v":"FUTURE VALUE"},"PROV. FROM EXISTING INVESTMENTS","GAP TO BE FULFILL"]
[]
[{"$f":"+A575","v":1},{"$f":"+B575","v":"Kirtana's wellness Resort"},{"$nulls":4},{"$f":"+I575","v":0},{"$f":"+GOALS!J4","v":0},{"$f":"+G586-H586","v":0}]
[{"$f":"+A576","v":2},{"$f":"+B576","v":"Kirtana Yoga Office"},{"$nulls":4},{"$f":"+I576","v":0},{"$f":"+GOALS!J5","v":0},{"$f":"+G587-H587","v":0}]
[3,"International Tour",{"$nulls":4},0,{"$f":"+GOALS!J6","v":0},0]
[4,0,{"$nulls":4},0,{"$f":"+GOALS!J7","v":0},0]
[5,0,{"$nulls":4},0,{"$f":"+GOALS!J8","v":0},0]
[6,0,{"$nulls":4},0,{"$f":"+GOALS!J9","v":0},0]
[7,0,{"$nulls":4},0,{"$f":"+GOALS!J10","v":0},0]
[]
["SR.NO","NAME OF THE GOAL",null,null,null,{"$f":"+I584","v":"GAP TO BE FULFILL"},"MONLTHY INV REQ","YEARLY INV. REQ","LUMSUM INV. REQ","R.O.R."]
[]
[{"$f":"+A586","v":1},{"$f":"+B586","v":"Kirtana's wellness Resort"},null,null,null,{"$f":"+I586","v":0},{"$f":"+GOALS!O4","v":0},{"$f":"+GOALS!P4","v":0},{"$f":"+GOALS!Q4","v":0},{"$f":"+GOALS!N4","v":0.1}]
[{"$f":"+A587","v":2},"Kirtana Yoga Office",null,null,null,{"$f":"+I587","v":0},{"$f":"+GOALS!O5","v":0},{"$f":"+GOALS!P5","v":0},{"$f":"+GOALS!Q5","v":0},{"$f":"+GOALS!N5","v":0.12}]
[3,"International Tour",null,null,null,0,{"$f":"+GOALS!O6","v":0},{"$f":"+GOALS!P6","v":0},{"$f":"+GOALS!Q6","v":0},{"$f":"+GOALS!N6","v":0.12}]
[4,0,null,null,null,0,{"$f":"+GOALS!O7","v":0},{"$f":"+GOALS!P7","v":0},{"$f":"+GOALS!Q7","v":0},{"$f":"+GOALS!N7","v":0.12}]
[5,0,null,null,null,0,{"$f":"+GOALS!O8","v":0},{"$f":"+GOALS!P8","v":0},{"$f":"+GOALS!Q8","v":0},{"$f":"+GOALS!N8","v":0.09}]
[6,0,null,null,null,0,{"$f":"+GOALS!O9","v":0},{"$f":"+GOALS!P9","v":0},{"$f":"+GOALS!Q9","v":0},{"$f":"+GOALS!N9","v":7.0000000000000007E-2}]
[7,0,null,null,null,0,{"$f":"+GOALS!O10","v":0},{"$f":"+GOALS!P10","v":0},{"$f":"+GOALS!Q10","v":0},{"$f":"+GOALS!N10","v":0.12}]

{"sheet":"OnePager","index":7,"n_rows":245,"n_cols":2,"rows_kept":245,"cut":false,"hidden":true,"merged":[[244,0,246,15],[186,0,186,13],[218,0,219,13],[0,1,1,14],[43,1,44,14],[146,0,147,15]]}
[null,"FINANCIAL PLAN BLUE PRINT"]
{"$rows_empty":42}
[null,"CASH FLOWS AND NETWORTH STATEMENT"]
{"$rows_empty":102}
["CHILD EDUCATION AND MARRIAGE GOALS"]
{"$rows_empty":39}
["HAPPY RETIREMENT"]
{"$rows_empty":31}
["ASPIRATIONAL GOALS PLANNING"]
{"$rows_empty":25}
["Thank you "]

{"sheet":"Goal List","index":8,"n_rows":58,"n_cols":13,"rows_kept":58,"cut":false,"hidden":true,"merged":[[35,1,36,1],[35,0,36,0],[35,2,36,2],[35,4,36,4],[2,1,3,1],[2,2,3,2],[2,3,3,3],[2,4,3,4],[2,0,3,0],[33,0,34,6],[3,7,3,8],[2,7,2,8],[3,9,3,10],[2,9,2,10],[4,7,4,8],[4,9,4,10],[12,9,12,10],[13,9,13,10],[14,9,14,10],[5,7,5,8],[6,7,6,8],[7,7,7,8],[8,7,8,8],[9,7,9,8],[10,7,10,8],[11,7,11,8],[12,7,12,8],[13,7,13,8],[14,7,14,8],[20,7,20,8],[21,7,21,8],[15,7,15,8],[16,7,16,8],[17,7,17,8],[18,7,18,8],[19,7,19,8],[15,9,15,10],[16,9,16,10],[29,7,29,8],[29,9,29,10],[22,9,22,10],[23,9,23,10],[24,9,24,10],[25,9,25,10],[26,9,26,10],[25,7,25,8],[26,7,26,8],[27,7,27,8],[22,7,22,8],[23,7,23,8],[24,7,24,8],[21,9,21,10],[2,11,3,11],[0,0,1,4],[27,9,27,10],[28,7,28,8],[28,9,28,10],[17,9,17,10],[18,9,18,10],[19,9,19,10],[5,9,5,10],[6,9,6,10],[7,9,7,10],[8,9,8,10],[20,9,20,10],[9,9,9,10],[10,9,10,10],[11,9,11,10]]}
["EXISTING INVESTMENTS"]
[]
["SR.NO","PARTICLULARS","SCHEME / \nAC NAME","CURRENT VALUE","SIP/R.D.","LUMPSUM","SIP / R.D.","LUMPSUM",null,"S.I.P./R.D.",null,"MAPED AGAINST WHICH GOAL"]
[{"$nulls":5},"MAPPED","MAPPED","BALANCE",null,"BALANCE"]
[{"$f":"+INPUT!A108","v":1},{"$f":"+INPUT!B108","v":"Bank 1  - Savings balance"},{"$f":"+INPUT!G108","v":0},{"$f":"+INPUT!H108","v":0},{"$f":"+INPUT!J108","v":0},null,null,{"$f":"+D5-F5","v":0},null,{"$f":"+E5-G5","v":0},null,null,{"$f":"CONCATENATE(B5,\"    Lumsum :-  \",D5,\" \",\"   SIP/RD  :-  \",E5)","v":"Bank 1  - Savings balance    Lumsum :-  0    SIP/RD  :-  0"}]
[{"$f":"+INPUT!A109","v":2},{"$f":"+INPUT!B109","v":"Bank 2  - Savings balance"},{"$f":"+INPUT!G109","v":0},{"$f":"+INPUT!H109","v":0},{"$f":"+INPUT!J109","v":0},null,null,{"$f":"+D6-F6","v":0},null,{"$f":"+E6-G6","v":0},null,null,{"$f":"CONCATENATE(B6,\"    Lumsum :-  \",D6,\" \",\"   SIP/RD  :-  \",E6)","v":"Bank 2  - Savings balance    Lumsum :-  0    SIP/RD  :-  0"}]
[{"$f":"+INPUT!A110","v":3},{"$f":"+INPUT!B110","v":"Bank 3  - Savings balance"},{"$f":"+INPUT!G110","v":0},{"$f":"+INPUT!H110","v":0},{"$f":"+INPUT!J110","v":0},null,null,{"$f":"+D7-F7","v":0},null,{"$f":"+E7-G7","v":0},null,null,"Bank 3  - Savings balance    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A111","v":4},{"$f":"+INPUT!B111","v":"Fixed Deposit - SBI "},{"$f":"+INPUT!G111","v":0},{"$f":"+INPUT!H111","v":0},{"$f":"+INPUT!J111","v":0},400000,null,-400000,null,0,null,null,"Fixed Deposit - SBI     Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A112","v":5},{"$f":"+INPUT!B112","v":"Fixed Deposit - Bank ….."},{"$f":"+INPUT!G112","v":0},{"$f":"+INPUT!H112","v":0},{"$f":"+INPUT!J112","v":0},null,null,0,null,0,null,null,"Fixed Deposit - Bank …..    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A113","v":6},{"$f":"+INPUT!B113","v":"Employee Provident fund (EPF)"},{"$f":"+INPUT!G113","v":0},{"$f":"+INPUT!H113","v":0},{"$f":"+INPUT!J113","v":0},1000000,4500,-1000000,null,-4500,null,"Retirement - Financial Independence","Employee Provident fund (EPF)    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A114","v":7},{"$f":"+INPUT!B114","v":"Public Provident Fund (PPF)"},{"$f":"+INPUT!G114","v":0},{"$f":"+INPUT!H114","v":0},{"$f":"+INPUT!J114","v":0},null,null,0,null,0,null,null,"Public Provident Fund (PPF)    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A115","v":8},{"$f":"+INPUT!B115","v":"Recurring Deposits (RD)"},{"$f":"+INPUT!G115","v":0},{"$f":"+INPUT!H115","v":0},{"$f":"+INPUT!J115","v":0},null,null,0,null,0,null,null,"Recurring Deposits (RD)    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A116","v":9},{"$f":"+INPUT!B116","v":"Mutual Funds\n ( Attach separate sheet if no. of schemes are more)"},{"$f":"+INPUT!G116","v":0},{"$f":"+INPUT!H116","v":0},{"$f":"+INPUT!J116","v":0},600000,null,-600000,null,0,null,"Sameer Higher Education","Mutual Funds\n ( Attach separate sheet if no. of schemes are more)    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A117","v":10},{"$f":"+INPUT!B117","v":"Post - MIS"},{"$f":"+INPUT!G117","v":0},{"$f":"+INPUT!H117","v":0},{"$f":"+INPUT!J117","v":0},null,null,0,null,0,null,null,"Post - MIS    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A118","v":11},{"$f":"+INPUT!B118","v":"NSC / KVP"},{"$f":"+INPUT!G118","v":0},{"$f":"+INPUT!H118","v":0},{"$f":"+INPUT!J118","v":0},null,null,0,null,0,null,null,"NSC / KVP    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A119","v":12},{"$f":"+INPUT!B119","v":"Corporate FD"},{"$f":"+INPUT!G119","v":0},{"$f":"+INPUT!H119","v":0},{"$f":"+INPUT!J119","v":0},null,null,0,null,0,null,null,"Corporate FD    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A120","v":13},{"$f":"+INPUT!B120","v":"Sukanya Samrridhi Yojana"},{"$f":"+INPUT!G120","v":0},{"$f":"+INPUT!H120","v":0},{"$f":"+INPUT!J120","v":0},null,null,0,null,0,null,null,"Sukanya Samrridhi Yojana    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A121","v":14},{"$f":"+INPUT!B121","v":"Shares ( Attach separate sheet if no. of shares are more)"},{"$f":"+INPUT!G121","v":0},{"$f":"+INPUT!H121","v":0},{"$f":"+INPUT!J121","v":0},null,null,0,null,0,null,null,"Shares ( Attach separate sheet if no. of shares are more)    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A122","v":15},{"$f":"+INPUT!B122","v":"career transition fund"},{"$f":"+INPUT!G122","v":0},{"$f":"+INPUT!H122","v":0},{"$f":"+INPUT!J122","v":0},null,null,0,null,0,null,null,"career transition fund    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A123","v":16},{"$f":"+INPUT!B123","v":0},{"$f":"+INPUT!G123","v":0},{"$f":"+INPUT!H123","v":0},{"$f":"+INPUT!J123","v":0},null,null,0,null,0,null,null,"0    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A124","v":17},{"$f":"+INPUT!B124","v":" "},{"$f":"+INPUT!G124","v":0},{"$f":"+INPUT!H124","v":0},{"$f":"+INPUT!J124","v":0},null,null,0,null,0,null,null,"     Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A125","v":18},{"$f":"+INPUT!B125","v":0},{"$f":"+INPUT!G125","v":0},{"$f":"+INPUT!H125","v":0},{"$f":"+INPUT!J125","v":0},null,null,0,null,0,null,null,"0    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A126","v":19},{"$f":"+INPUT!B126","v":0},{"$f":"+INPUT!G126","v":0},{"$f":"+INPUT!H126","v":0},{"$f":"+INPUT!J126","v":0},null,null,0,null,0,null,null,"0    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A127","v":20},{"$f":"+INPUT!B127","v":0},{"$f":"+INPUT!G127","v":0},{"$f":"+INPUT!H127","v":0},{"$f":"+INPUT!J127","v":0},null,null,0,null,0,null,null,"0    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A128","v":21},{"$f":"+INPUT!B128","v":0},{"$f":"+INPUT!G128","v":0},{"$f":"+INPUT!H128","v":0},{"$f":"+INPUT!J128","v":0},null,null,0,null,0,null,null,"0    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A129","v":22},{"$f":"+INPUT!B129","v":0},{"$f":"+INPUT!G129","v":0},{"$f":"+INPUT!H129","v":0},{"$f":"+INPUT!J129","v":0},null,null,0,null,0,null,null,"0    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A130","v":23},{"$f":"+INPUT!B130","v":0},{"$f":"+INPUT!G130","v":0},{"$f":"+INPUT!H130","v":0},{"$f":"+INPUT!J130","v":0},null,null,0,null,0,null,null,"0    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A131","v":24},{"$f":"+INPUT!B131","v":0},{"$f":"+INPUT!G131","v":0},{"$f":"+INPUT!H131","v":0},{"$f":"+INPUT!J131","v":0},null,null,0,null,0,null,null,"0    Lumsum :-  0    SIP/RD  :-  0"]
[{"$f":"+INPUT!A132","v":25},{"$f":"+INPUT!B132","v":"Any Other Regular / Irregular Investments"},{"$f":"+INPUT!G132","v":0},{"$f":"+INPUT!H132","v":0},{"$f":"+INPUT!J132","v":0},null,null,0,null,0,null,null,"Any Other Regular / Irregular Investments    Lumsum :-  0    SIP/RD  :-  0"]
[null,null,null,{"$f":"SUM(D5:D29)","v":0},{"$f":"SUM(E5:E29)","v":0},{"$f":"SUM(F5:F29)","v":2000000},{"$f":"SUM(G5:G29)","v":4500},{"$f":"SUM(H5:I29)","v":-2000000},null,{"$f":"SUM(J5:K29)","v":-4500}]
[]
[]
[]
["GOAL LIST"]
[]
["SR.NO","NAME OF GOAL","YEAR OF GOAL ","CORPUS","YEARS LEFT","Existing"]
[null,null,null,"REQUIRED",null,"Fund Maped","SIP/RD Map"]
[1,"Retirement - Financial Independence",{"$f":"+'RETIREMENT PLANNING'!B24","v":1899},{"$f":"+'RETIREMENT PLANNING'!E9","v":0},{"$f":"IF(+C38-YEAR(TODAY())>0,+C38-YEAR(TODAY()),0)","v":0}]
[2,{"$f":"+INPUT!B93","v":"Mayuri Graduation"},{"$f":"+INPUT!H93","v":0},{"$f":"+'EDUCATION & MARRIAGE'!I3","v":0},{"$f":"IF(+C39-YEAR(TODAY())>0,+C39-YEAR(TODAY()),0)","v":0}]
[3,{"$f":"+INPUT!B94","v":"Mayuri Post Graduation"},{"$f":"+INPUT!H94","v":0},{"$f":"+'EDUCATION & MARRIAGE'!I4","v":0},0]
[4,{"$f":"+INPUT!B95","v":"Heramb Graduation"},{"$f":"+INPUT!H95","v":0},{"$f":"+'EDUCATION & MARRIAGE'!I5","v":0},0]
[5,{"$f":"+INPUT!B96","v":"Heramb Post Graduation"},{"$f":"+INPUT!H96","v":0},{"$f":"+'EDUCATION & MARRIAGE'!I6","v":0},0]
[6,{"$f":"+INPUT!B97","v":0},{"$f":"+INPUT!H97","v":0},{"$f":"+'EDUCATION & MARRIAGE'!I7","v":0},0]
[7,{"$f":"+INPUT!B98","v":0},{"$f":"+INPUT!H98","v":0},{"$f":"+'EDUCATION & MARRIAGE'!I8","v":0},0]
[8,{"$f":"+INPUT!B99","v":0},{"$f":"+INPUT!H99","v":0},{"$f":"+'EDUCATION & MARRIAGE'!I9","v":0},0]
[9,{"$f":"+INPUT!B100","v":0},{"$f":"+INPUT!H100","v":0},{"$f":"+'EDUCATION & MARRIAGE'!I10","v":0},0]
[10,{"$f":"+INPUT!B101","v":0},{"$f":"+INPUT!H101","v":0},{"$f":"+'EDUCATION & MARRIAGE'!I11","v":0},0]
[11,{"$f":"+INPUT!B102","v":0},{"$f":"+INPUT!H102","v":0},{"$f":"+'EDUCATION & MARRIAGE'!I12","v":0},0]
[12,{"$f":"+INPUT!B103","v":0},{"$f":"+INPUT!H103","v":0},{"$f":"+'EDUCATION & MARRIAGE'!I13","v":0},0]
[13,{"$f":"+INPUT!B104","v":0},{"$f":"+INPUT!H104","v":0},{"$f":"+'EDUCATION & MARRIAGE'!I14","v":0},0]
[14,{"$f":"+INPUT!B76","v":"Kirtana's wellness Resort"},{"$f":"+INPUT!G76","v":2034},{"$f":"+GOALS!G4","v":0},9]
[15,{"$f":"+INPUT!B77","v":"Kirtana Yoga Office"},{"$f":"+INPUT!G77","v":2029},{"$f":"+GOALS!G5","v":0},4]
[16,{"$f":"+INPUT!B78","v":"International Tour"},{"$f":"+INPUT!G78","v":2029},{"$f":"+GOALS!G6","v":0},4]
[17,{"$f":"+INPUT!B79","v":0},{"$f":"+INPUT!G79","v":0},{"$f":"+GOALS!G7","v":0},0]
[18,{"$f":"+INPUT!B80","v":0},{"$f":"+INPUT!G80","v":0},{"$f":"+GOALS!G8","v":0},0]
[19,{"$f":"+INPUT!B81","v":0},{"$f":"+INPUT!G81","v":0},{"$f":"+GOALS!G9","v":0},0]
[20,{"$f":"+INPUT!B82","v":0},{"$f":"+INPUT!G82","v":0},{"$f":"+GOALS!G10","v":0},0]
[null,null,null,{"$f":"SUM(D38:D57)","v":0}]

{"sheet":"Financial Goals","index":9,"n_rows":35,"n_cols":9,"rows_kept":35,"cut":false,"hidden":true,"merged":[[1,4,1,5],[3,0,3,8],[4,1,4,2],[4,3,4,4],[4,5,4,6],[4,7,4,8],[5,7,5,8],[6,1,6,2],[6,3,6,4],[7,1,7,2],[7,3,7,4],[7,5,7,6],[6,5,6,6],[5,1,5,2],[5,3,5,4],[5,5,5,6],[37,5,37,8],[20,0,20,8],[21,1,21,2],[21,3,21,4],[21,5,21,6],[22,1,22,2],[22,3,22,4],[22,5,22,6],[23,1,23,2],[23,3,23,4],[23,5,23,6],[24,1,24,2],[27,0,27,8],[25,1,25,2],[25,3,25,4],[25,5,25,6],[26,1,26,2],[26,3,26,4],[26,5,26,6],[10,0,10,8],[6,7,6,8],[7,7,7,8],[8,7,8,8],[9,7,9,8],[24,3,24,4],[24,5,24,6],[8,1,8,2],[8,3,8,4],[8,5,8,6],[9,1,9,2],[9,3,9,4],[9,5,9,6]]}
[]
[{"$nulls":6},{"$f":"TODAY()","v":"2025-03-31"}]
[]
["My Financial Goals"]
["Goal","Retirement",null,"Children Education & Marriage",null,"Aspirational Goals",null,"Any Other Goals"]
["Target Year",{"$f":"'RETIREMENT PLANNING'!B24","v":1899},null,{"$f":"'GOALS FOR CHILDREN'!A15","v":0},null,null,null,{"$f":"DATA!C86","v":0}]
["Projected Target Amount",{"$f":"'RETIREMENT PLANNING'!E9","v":0},null,{"$f":"'EDUCATION & MARRIAGE'!I15","v":0},null,{"$f":"GOALS!G11","v":0},null,{"$f":"GOALS!G8","v":0}]
["Existing Amount Provision ",{"$f":"'RETIREMENT PLANNING'!E11","v":0},null,{"$f":"'EDUCATION & MARRIAGE'!Q15","v":600000},null,{"$f":"GOALS!J11","v":0},null,{"$f":"GOALS!J8","v":0}]
["Require Gap Amount",{"$f":"'RETIREMENT PLANNING'!E13","v":0},null,{"$f":"'EDUCATION & MARRIAGE'!R15","v":-600000},null,{"$f":"GOALS!L11","v":0},null,{"$f":"GOALS!L8","v":0}]
["Ahed of (-Behind) Schedule",{"$f":"B8-B9","v":0},null,{"$f":"D8-D9","v":1200000},null,{"$f":"F8-F9","v":0}]
["My Progress"]
[]
[]
["Final Target"]
["Require Gap Amount"]
["Existing Amount Provision "]
["Ahed of Schedule"]
["Behind Sche"]
[]
[]
["My Financial Goals"]
["Goal","Vacation",null,"Home",null,"Debt/Mortgage",null,null,"New Goal"]
["Projecte Completion Date","2033-01-17",null,"2024-12-30",null,"2021-09-28"]
["Final Target",1000000,null,20000000]
["Existing Amount Provision ",300000,null,5000000,null,-500000]
["Require Gap Amount",475000,null,15000000,null,-700000]
["Ahed of (-Behind)Shedule"]
["My Financial Goals"]
[]
[]
["Final Target"]
["Require Gap Amount"]
["Existing Amount Provision "]
["Ahed of Shedule"]
["Behind Shedule"]

{"sheet":"Ration Configration Page","index":10,"n_rows":31,"n_cols":14,"rows_kept":31,"cut":false,"hidden":true,"merged":[]}
[]
["Title","EXPENCES RATIO"]
[]
["Ratio:",{"$f":"'FINANCIAL RATIOS ANALYSIS'!E4:E5","v":0.17422222222222222}]
[]
["Min:Max","Data Series"]
[0.3,{"$f":"IF(B4<=A7,B4,\" \")","v":0.17422222222222222}]
[0.5,{"$f":"IF(AND(B4>A7,B4<=A8),B4,\" \")","v":" "}]
[0.75,{"$f":"IF(B4>A8,B4,\" \")","v":" "}]
["Difference",{"$f":"MAX(1,B4)-B4","v":0.82577777777777772}]
[]
["Title","BASIC LIQUIDITY RATIO",null,null,"Title","EXPANDED LIQUIDITY ",null,null,"Title","SAVINGS RATIO",null,null,"Title","DEBT ASSET RATIO"]
[]
["Ratio:",{"$f":"'FINANCIAL RATIOS ANALYSIS'!E8","v":0},null,null,"Ratio:",{"$f":"'FINANCIAL RATIOS ANALYSIS'!E11","v":0},null,null,"Ratio:",{"$f":"'FINANCIAL RATIOS ANALYSIS'!E14","v":0},null,null,"Ratio:",{"$f":"'FINANCIAL RATIOS ANALYSIS'!E18","v":{"$error":"#DIV/0!"}}]
[]
["Min:Max","Data Series",null,null,"Min:Max","Data Series",null,null,"Min:Max","Data Series",null,null,"Min:Max","Data Series"]
[0.03,{"$f":"IF($B$14<=$A$17,$B$14,\" \")","v":0},null,null,0.12,{"$f":"IF(F14<=E17,F14,\" \")","v":0},null,null,0.1,{"$f":"IF(J14<=I17,J14,\" \")","v":0},null,null,0.3,{"$f":"IF(N14<=M17,N14,\" \")","v":{"$error":"#DIV/0!"}}]
[0.05,{"$f":"IF(AND(B14>A17,B14<=A18),B14,\" \")","v":" "},null,null,0.24,{"$f":"IF(AND(F14>E17,F14<=E18),F14,\" \")","v":" "},null,null,0.25,{"$f":"IF(AND(J14>I17,J14<=I18),J14,\" \")","v":" "},null,null,0.5,{"$f":"IF(AND(N14>M17,N14<=M18),N14,\" \")","v":{"$error":"#DIV/0!"}}]
[0.06,{"$f":"IF(B14>=A19,B14,\" \")","v":" "},null,null,0.36,{"$f":"IF(F14>E18,F14,\" \")","v":" "},null,null,0.5,{"$f":"IF(J14>I18,J14,\" \")","v":" "},null,null,0.8,{"$f":"IF(N14>M18,N14,\" \")","v":{"$error":"#DIV/0!"}}]
["Difference",{"$f":"MAX(0.08,B14)-B14","v":0.08},null,null,"Difference",{"$f":"MAX(1,F14)-F14","v":1},null,null,"Difference",{"$f":"MAX(1,J14)-J14","v":1},null,null,"Difference",{"$f":"MAX(1,N14)-N14","v":{"$error":"#DIV/0!"}}]
[]
[]
["Title","SOLVENCY RATIO",null,null,"Title","DEBT SERVICE RATIO",null,null,"Title","FINANCIAL ASSET",null,null,"Title","INSURANCE COVERAGE"]
[]
["Ratio:",{"$f":"'FINANCIAL RATIOS ANALYSIS'!E21","v":{"$error":"#DIV/0!"}},null,null,"Ratio:",{"$f":"'FINANCIAL RATIOS ANALYSIS'!E24","v":0.1876511111111111},null,null,"Ratio:",{"$f":"'FINANCIAL RATIOS ANALYSIS'!E27","v":{"$error":"#DIV/0!"}},null,null,"Ratio:",{"$f":"'FINANCIAL RATIOS ANALYSIS'!E30","v":0}]
[]
["Min:Max","Data Series",null,null,"Min:Max","Data Series",null,null,"Min:Max","Data Series",null,null,"Min:Max","Data Series"]
[0.3,{"$f":"IF(B25<A28,B25,\" \")","v":{"$error":"#DIV/0!"}},null,null,0.25,{"$f":"IF(F25<=E28,F25,\" \")","v":0.1876511111111111},null,null,0.3,{"$f":"IF(J25<=I28,J25,\" \")","v":{"$error":"#DIV/0!"}},null,null,0.75,{"$f":"IF(N25<=M28,N25,\" \")","v":0}]
[0.5,{"$f":"IF(AND(B25>A28,B25<=A29),B25,\" \")","v":{"$error":"#DIV/0!"}},null,null,0.45,{"$f":"IF(AND(F25>E28,F25<=E29),F25,\" \")","v":" "},null,null,0.5,{"$f":"IF(AND(J25>I28,J25<=I29),J25,\" \")","v":{"$error":"#DIV/0!"}},null,null,1,{"$f":"IF(AND(N25>M28,N25<=M29),N25,\" \")","v":" "}]
[0.8,{"$f":"IF(B25>A29,B25,\" \")","v":{"$error":"#DIV/0!"}},null,null,0.65,{"$f":"IF(F25>E29,F25,\" \")","v":" "},null,null,0.8,{"$f":"IF(J25>I29,J25,\" \")","v":{"$error":"#DIV/0!"}},null,null,1.25,{"$f":"IF(N25>M29,N25,\" \")","v":" "}]
["Difference",{"$f":"MAX(1,B25)-B25","v":{"$error":"#DIV/0!"}},null,null,"Difference",{"$f":"MAX(1,F25)-F25","v":0.8123488888888889},null,null,"Difference",{"$f":"MAX(1,J25)-J25","v":{"$error":"#DIV/0!"}},null,null,"Difference",{"$f":"MAX(1,N25)-N25","v":1}]

{"sheet":"My Configration Page","index":11,"n_rows":21,"n_cols":21,"rows_kept":21,"cut":false,"hidden":true,"merged":[]}
[]
["Widget Main Title",null,"Emergency Fund",null,null,null,"Widget Main Title",null,"Life Protection ",null,null,null,"Widget Main Title",null,"Health Protection",null,null,null,"Widget Main Title",null,"Critical Illness Prtoection"]
[]
["Widget Units",null,"Rs. In Lakhs",null,null,null,"Widget Units",null,"Rs. In Crores",null,null,null,"Widget Units",null,"Rs. In Lakh",null,null,null,"Widget Units",null,"Rs. In Lakh"]
[]
["Actual Value",null,{"$f":"'EMERGENCY FUND'!B4/100000","v":14.65587},null,null,null,"Actual Value",null,{"$f":"'RISK PLANNING'!F26/10000000","v":0},null,null,null,"Actual Value",null,{"$f":"'RISK PLANNING'!F8/100000","v":0},null,null,null,"Actual Value",null,{"$f":"'RISK PLANNING'!F10/100000","v":0}]
[]
["Minimum Value",null,0,null,null,null,"Minimum Value",null,0,null,null,null,"Minimum Value",null,0,null,null,null,"Minimum Value",null,0]
[]
["Maximum Value",null,15,null,null,null,"Maximum Value",null,{"$f":"'RISK PLANNING'!H26/10000000","v":2.3885616999999999},null,null,null,"Maximum Value",null,{"$f":"'RISK PLANNING'!D8/100000","v":10},null,null,null,"Maximum Value",null,{"$f":"'RISK PLANNING'!H10/100000","v":10}]
[]
[]
["Widget Main Title",null,"Accident Protection",null,null,null,"Widget Main Title",null,"Child Edu. Protection",null,null,null,"Widget Main Title",null,"Aspirational Goal Protection",null,null,null,"Widget Main Title",null,"Loan Protection"]
[]
["Widget Units",null,"Rs. In Crore",null,null,null,"Widget Units",null,"Rs. In Lakh",null,null,null,"Widget Units",null,"Rs. In Lakh",null,null,null,"Widget Units",null,"Rs. In Lakh"]
[]
["Actual Value",null,{"$f":"'RISK PLANNING'!F19/10000000","v":0},null,null,null,"Actual Value",null,{"$f":"'EDUCATION & MARRIAGE'!Q15/100000","v":6},null,null,null,"Actual Value",null,{"$f":"GOALS!J11/100000","v":0},null,null,null,"Actual Value",null,40]
[]
["Minimum Value",null,0,null,null,null,"Minimum Value",null,0,null,null,null,"Minimum Value",null,0,null,null,null,"Minimum Value",null,0]
[]
["Maximum Value",null,{"$f":"'RISK PLANNING'!H19/10000000","v":2.3885616999999999},null,null,null,"Maximum Value",null,{"$f":"'EDUCATION & MARRIAGE'!I15/100000","v":0},null,null,null,"Maximum Value",null,{"$f":"GOALS!G11/100000","v":0},null,null,null,"Maximum Value",null,100]

{"sheet":"My Calculation Page","index":12,"n_rows":28,"n_cols":31,"rows_kept":28,"cut":false,"hidden":true,"merged":[]}
["Emergency Fund",{"$nulls":7},{"$f":"'My Configration Page'!I2","v":"Life Protection "},{"$nulls":7},{"$f":"'My Configration Page'!O2","v":"Health Protection"},{"$nulls":7},{"$f":"'My Configration Page'!U2","v":"Critical Illness Prtoection"}]
[null,"Value","Degs",{"$nulls":6},"Value","Degs",{"$nulls":6},"Value","Degs",{"$nulls":6},"Value","Degs"]
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[{"$f":"+INPUT!A31","v":3},{"$f":"+INPUT!B31","v":"Dining , Movies, Sports"},{"$f":"+INPUT!E31","v":0},{"$f":"+INPUT!G31","v":0},0,0,null,{"$f":"+INPUT!J31","v":0},null,null," "]
[{"$f":"+INPUT!A32","v":4},{"$f":"+INPUT!B32","v":"Coach - Financial, Fitness, Personal"},{"$f":"+INPUT!E32","v":0},{"$f":"+INPUT!G32","v":0},0,0,null,{"$f":"+INPUT!J32","v":0}]
[{"$f":"+INPUT!A33","v":5},{"$f":"+INPUT!B33","v":"Travel, Annual holidays"},{"$f":"+INPUT!E33","v":0},{"$f":"+INPUT!G33","v":0},0,0,null,{"$f":"+INPUT!J33","v":0}]
[{"$f":"+INPUT!A34","v":6},{"$f":"+INPUT!B34","v":"Charity, Donations etc."},{"$f":"+INPUT!E34","v":0},{"$f":"+INPUT!G34","v":0},0,0,null,{"$f":"+INPUT!J34","v":0}]
[{"$f":"+INPUT!A35","v":7},{"$f":"+INPUT!B35","v":"House renovations, Celebrations etc."},{"$f":"+INPUT!E35","v":0},{"$f":"+INPUT!G35","v":0},0,0,null,{"$f":"+INPUT!J35","v":0}]
[{"$f":"+INPUT!A36","v":"Dependent Expenses"},{"$f":"+INPUT!B36","v":0},{"$f":"+INPUT!E36","v":0},{"$f":"+INPUT!G36","v":0},0,0,null,{"$f":"+INPUT!J36","v":0}]
[{"$f":"+INPUT!A37","v":1},{"$f":"+INPUT!B37","v":"Children school / college fees"},{"$f":"+INPUT!E37","v":3400},{"$f":"+INPUT!G37","v":0},40800,7.5555555555555558E-3,null,{"$f":"+INPUT!J37","v":2720}]
[{"$f":"+INPUT!A38","v":2},{"$f":"+INPUT!B38","v":"Children pocket money / other expenses"},{"$f":"+INPUT!E38","v":0},{"$f":"+INPUT!G38","v":0},0,0,null,{"$f":"+INPUT!J38","v":0}]
[{"$f":"+INPUT!A39","v":3},{"$f":"+INPUT!B39","v":"Contribution to parents, siblings etc."},{"$f":"+INPUT!E39","v":0},{"$f":"+INPUT!G39","v":0},0,0,null,{"$f":"+INPUT!J39","v":0}]
[{"$f":"+INPUT!A40","v":"Misc."},{"$f":"+INPUT!B40","v":0},{"$f":"+INPUT!E40","v":0},{"$f":"+INPUT!G40","v":0},{"$f":"D42+(C42*12)","v":0},{"$f":"E43/$F$77","v":0},null,{"$f":"+INPUT!J40","v":0}]
[{"$f":"+INPUT!A41","v":1},{"$f":"+INPUT!B41","v":"Personal Expenses"},{"$f":"+INPUT!E41","v":0},{"$f":"+INPUT!G41","v":0},{"$f":"D43+(C43*12)","v":0},{"$f":"E42/$F$77","v":0},null,{"$f":"+INPUT!J41","v":0}]
[{"$f":"+INPUT!A42","v":2},{"$f":"+INPUT!B42","v":"Total Household Expenses"},{"$f":"+INPUT!E42","v":0},{"$f":"+INPUT!G42","v":0},{"$f":"D44+(C44*12)","v":0},{"$f":"E43/$F$77","v":0},null,{"$f":"+INPUT!J42","v":0}]
[null,"TOTAL MONTHLY REGULAR EXPS",{"$f":"SUM(C22:C44)","v":78400},{"$f":"SUM(D22:D44)/12","v":0},940800,{"$f":"E47/F77","v":0.17422222222222222},null,{"$f":"SUM(H22:H44)","v":62720}]
[null,"TOTAL YEARLY  EXPNESES  ",{"$f":"C45*12","v":940800},{"$f":"D45*12","v":0},{"$f":"SUM(E22:E43)","v":940800},null,null,{"$f":"H45*12","v":752640}]
[null,"TOTAL  REGULAR + IRREGULAR EXPS (A)",{"$f":"C45+D45","v":78400},null,{"$f":"C47*12","v":940800}]
[]
[]
[4,"LOAN DETAILS"]
["SR.NO","TYPE OF LOAN","LOAN AMOUNT","EMI AMOUNT","OUTSTANDING AMOUNT","PENDING TERM (YEARS)","INTEREST RATE P.A","BANK NAME","JOINT / SINGLE NAME","INCOME \nPERCENTAGE "]
[1,{"$f":"+INPUT!B48","v":"Home Loan"},{"$f":"+INPUT!H48","v":0},{"$f":"+INPUT!G48","v":84443},{"$f":"+INPUT!J48","v":8205617},{"$f":"+INPUT!L48","v":0},null,null,null,{"$f":"(D52*12)/$F$77","v":0.1876511111111111}]
[2,{"$f":"+INPUT!B49","v":"Car Loan"},{"$f":"+INPUT!H49","v":0},{"$f":"+INPUT!G49","v":0},{"$f":"+INPUT!J49","v":0},{"$f":"+INPUT!L49","v":0},null,null,null,0]
[3,{"$f":"+INPUT!B50","v":"Personal Loan"},{"$f":"+INPUT!H50","v":0},{"$f":"+INPUT!G50","v":0},{"$f":"+INPUT!J50","v":0},{"$f":"+INPUT!L50","v":0},null,null,null,0]
[4,{"$f":"+INPUT!B51","v":"Education Loan"},{"$f":"+INPUT!H51","v":0},{"$f":"+INPUT!G51","v":0},{"$f":"+INPUT!J51","v":0},{"$f":"+INPUT!L51","v":0},null,null,null,0]
[5,{"$f":"+INPUT!B52","v":" "},{"$f":"+INPUT!H52","v":0},{"$f":"+INPUT!G52","v":0},{"$f":"+INPUT!J52","v":0},{"$f":"+INPUT!L52","v":0},null,null,null,0]
[6,{"$f":"+INPUT!B53","v":" "},{"$f":"+INPUT!H53","v":0},{"$f":"+INPUT!G53","v":0},{"$f":"+INPUT!J53","v":0},{"$f":"+INPUT!L53","v":0},null,null,null,0]
[7,{"$f":"+INPUT!B54","v":" "},{"$f":"+INPUT!H54","v":0},{"$f":"+INPUT!G54","v":0},{"$f":"+INPUT!J54","v":0},{"$f":"+INPUT!L54","v":0},null,null,null,0]
[null,"TOTAL <C>",{"$f":"SUM(C52:C58)","v":0},{"$f":"SUM(D52:D58)","v":84443},{"$f":"SUM(E52:E58)","v":8205617},{"$nulls":4},0.1876511111111111]
[]
[]
[5,"FAMILY INFLOWS / INCOMES"]
[null,"PARTULARS","GROSS MONTHLY","DEDUCTIONS","NET MONTHLY","YEARLY"]
[{"$f":"+INPUT!A59","v":1},{"$f":"+INPUT!B59","v":"Self Salary"},{"$f":"+INPUT!F59","v":300000},{"$f":"+INPUT!H59","v":0},{"$f":"C64-D64","v":300000},{"$f":"E64*12","v":3600000}]
[{"$f":"+INPUT!A60","v":2},{"$f":"+INPUT!B60","v":"Spouse Salary"},{"$f":"+INPUT!F60","v":150000},{"$f":"+INPUT!H60","v":0},150000,1800000]
[{"$f":"+INPUT!A61","v":3},{"$f":"+INPUT!B61","v":"Business Income"},{"$f":"+INPUT!F61","v":0},{"$f":"+INPUT!H61","v":0},0,0]
[{"$f":"+INPUT!A62","v":4},{"$f":"+INPUT!B62","v":"Rent Income"},{"$f":"+INPUT!F62","v":0},{"$f":"+INPUT!H62","v":0},0,0]
[{"$f":"+INPUT!A63","v":5},{"$f":"+INPUT!B63","v":"Parents Income"},{"$f":"+INPUT!F63","v":0},{"$f":"+INPUT!H63","v":0},0,0]
[{"$f":"+INPUT!A64","v":6},{"$f":"+INPUT!B64","v":"Childrens Income"},{"$f":"+INPUT!F64","v":0},{"$f":"+INPUT!H64","v":0},0,0]
[{"$f":"+INPUT!A65","v":7},{"$f":"+INPUT!B65","v":"Brother Income"},{"$f":"+INPUT!F65","v":0},{"$f":"+INPUT!H65","v":0},0,0]
[{"$f":"+INPUT!A66","v":8},{"$f":"+INPUT!B66","v":"Sister Income"},{"$f":"+INPUT!F66","v":0},{"$f":"+INPUT!H66","v":0},0,0]
[{"$f":"+INPUT!A67","v":9},{"$f":"+INPUT!B67","v":"Dividend Income"},{"$f":"+INPUT!F67","v":0},{"$f":"+INPUT!H67","v":0},0,{"$f":"E72","v":0}]
[{"$f":"+INPUT!A68","v":10},{"$f":"+INPUT!B68","v":"Interest Income"},{"$f":"+INPUT!F68","v":0},{"$f":"+INPUT!H68","v":0},0,{"$f":"E73*12","v":0}]
[{"$f":"+INPUT!A69","v":11},{"$f":"+INPUT!B69","v":"Agri Income"},{"$f":"+INPUT!F69","v":0},{"$f":"+INPUT!H69","v":0},0,{"$f":"E74","v":0}]
[{"$f":"+INPUT!A70","v":12},{"$f":"+INPUT!B70","v":"Other Income"},{"$f":"+INPUT!F70","v":0},{"$f":"+INPUT!H70","v":0},0,{"$f":"E75","v":0}]
[null,null,null,{"$f":"+INPUT!H71","v":0},0]
[null,"TOTAL",{"$f":"SUM(C64:C76)","v":450000},{"$f":"SUM(D64:D76)","v":0},{"$f":"SUM(E64:E76)","v":450000},{"$f":"SUM(F64:F76)","v":5400000}]
[]
[]
[6,"ASPIRATIONAL GOALS/ NEEDS/ DREAMS"]
[null,"ASPIRATIONAL GOALS/ NEEDS/ DREAMS","GOAL YEAR","NO OF YRS LEFT","INFLATION RATE","PRESENT VALUE","EXISTING PROVISION, IF ANY"]
[{"$f":"+INPUT!A76","v":1},{"$f":"+INPUT!B76","v":"Kirtana's wellness Resort"},{"$f":"+INPUT!G76","v":2034},{"$f":"C82-$G$3","v":10},7.0000000000000007E-2,{"$f":"+INPUT!L76","v":0}]
[{"$f":"+INPUT!A77","v":2},{"$f":"+INPUT!B77","v":"Kirtana Yoga Office"},{"$f":"+INPUT!G77","v":2029},{"$f":"C83-$G$3","v":5},7.0000000000000007E-2,{"$f":"+INPUT!L77","v":0}]
[{"$f":"+INPUT!A78","v":3},{"$f":"+INPUT!B78","v":"International Tour"},{"$f":"+INPUT!G78","v":2029},5,7.0000000000000007E-2,{"$f":"+INPUT!L78","v":0}]
[{"$f":"+INPUT!A79","v":4},{"$f":"+INPUT!B79","v":0},{"$f":"+INPUT!G79","v":0},-2024,7.0000000000000007E-2,{"$f":"+INPUT!L79","v":0}]
[{"$f":"+INPUT!A80","v":5},{"$f":"+INPUT!B80","v":0},{"$f":"+INPUT!G80","v":0},-2024,7.0000000000000007E-2,{"$f":"+INPUT!L80","v":0}]
[{"$f":"+INPUT!A81","v":6},{"$f":"+INPUT!B81","v":0},{"$f":"+INPUT!G81","v":0},-2024,7.0000000000000007E-2,{"$f":"+INPUT!L81","v":0}]
[{"$f":"+INPUT!A82","v":7},{"$f":"+INPUT!B82","v":0},{"$f":"+INPUT!G82","v":0},-2024,7.0000000000000007E-2,{"$f":"+INPUT!L82","v":0}]
[null,"Total",null,null,null,{"$f":"SUM(F82:F88)","v":0}]
[]
[7,"ANY EMPLOYER PROVIDED BENEFITS"]
[null,"BENEFITS","AMOUNT","PROVIDE DETAILS, IF REQUIRED",null,"WHO ALL ARE COVERED IN FAMILY"]
[{"$f":"+INPUT!A87","v":1},{"$f":"+INPUT!B87","v":"Mediclaim - Health Cover"},{"$f":"+INPUT!G87","v":0},{"$f":"+INPUT!H87","v":0},null,{"$f":"+INPUT!L87","v":0}]
[{"$f":"+INPUT!A88","v":2},{"$f":"+INPUT!B88","v":"Life Cover if any ( e.g. group term insurance)"},{"$f":"+INPUT!G88","v":0},{"$f":"+INPUT!H88","v":0},null,{"$f":"+INPUT!L88","v":0}]
[{"$f":"+INPUT!A89","v":3},{"$f":"+INPUT!B89","v":"Accidental Cover if any"},{"$f":"+INPUT!G89","v":0},{"$f":"+INPUT!H89","v":0},null,{"$f":"+INPUT!L89","v":0}]

{"sheet":"EXISTING ASSETS & INVESTMENTS","index":14,"n_rows":45,"n_cols":27,"rows_kept":45,"cut":false,"hidden":true,"merged":[[34,3,42,16],[34,18,42,18]]}
[]
[null,"TYPE OF INVESTMENTS","SUB TYPE","NAME OF THE BANK/ COMPANY/ FINANCIAL INSTITUTION","FOLIO NUMBER/ ACCOUNT NUMBER","NAME OF THE SCHEME / INVESTMENT / TYPE OF A/C","DATE OF COMMENCEMENT / OPENING","DATE OF MATURITY","TERM","INVESTMENT YEARS","INVESTMENT AMT\n IF REGULAR","Mode\nYearly or current value = 1,\nHALF yearly = 2,\nQuarterly = 4,\n Monthly = 12","ANNUALISED REGULAR SAVINGS & INVESTMENTS","FACE VALUE/ PRINCIPAL IF LUMSUM","INVESTOR     ","HOLDING TYPE","NOMINEE","CURRENT ACCUMULATED VALUE","Maturity YEAR","GOAL / PURPOSE","GOAL YEAR","ALLOCATED LUMPSUM  AMOUNT","ALLOCATED REGULAR AMOUNT","NO OF YEARS TO GOAL","Mode\nYearly  = 1,\nHALF yearly = 2,\nQuarterly = 4,\n Monthly = 12","EXPECTED RETURN","FV IN THE YEAR OF GOAL"]
[9,"FINANCIAL ASSETS & INVESTMENTS"]
[{"$f":"INPUT!A108","v":1},{"$f":"+INPUT!B108","v":"Bank 1  - Savings balance"},null,null,null,{"$f":"+INPUT!G108","v":0},{"$nulls":4},{"$f":"+INPUT!J108","v":0},{"$f":"+INPUT!L108","v":0},{"$f":"K4*L4","v":0},{"$nulls":4},{"$f":"+INPUT!H108","v":0},{"$nulls":8},{"$f":"FV(Z4/Y4,Y4*X4,-W4,-V4,1)","v":{"$error":"#DIV/0!"}}]
[{"$f":"INPUT!A109","v":2},{"$f":"+INPUT!B109","v":"Bank 2  - Savings balance"},null,null,null,{"$f":"+INPUT!G109","v":0},{"$nulls":4},{"$f":"+INPUT!J109","v":0},{"$f":"+INPUT!L109","v":0},{"$f":"K5*L5","v":0},{"$nulls":4},{"$f":"+INPUT!H109","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A110","v":3},{"$f":"+INPUT!B110","v":"Bank 3  - Savings balance"},null,null,null,{"$f":"+INPUT!G110","v":0},{"$nulls":4},{"$f":"+INPUT!J110","v":0},{"$f":"+INPUT!L110","v":0},0,{"$nulls":4},{"$f":"+INPUT!H110","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A111","v":4},{"$f":"+INPUT!B111","v":"Fixed Deposit - SBI "},null,null,null,{"$f":"+INPUT!G111","v":0},{"$nulls":4},{"$f":"+INPUT!J111","v":0},{"$f":"+INPUT!L111","v":0},0,{"$nulls":4},{"$f":"+INPUT!H111","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A112","v":5},{"$f":"+INPUT!B112","v":"Fixed Deposit - Bank ….."},null,null,null,{"$f":"+INPUT!G112","v":0},{"$nulls":4},{"$f":"+INPUT!J112","v":0},{"$f":"+INPUT!L112","v":0},0,{"$nulls":4},{"$f":"+INPUT!H112","v":0},{"$nulls":8},{"$f":"FV(Z8/Y8,Y8*X8,-W8,-V8,1)","v":{"$error":"#DIV/0!"}}]
[{"$f":"INPUT!A113","v":6},{"$f":"+INPUT!B113","v":"Employee Provident fund (EPF)"},null,null,null,{"$f":"+INPUT!G113","v":0},{"$nulls":4},{"$f":"+INPUT!J113","v":0},{"$f":"+INPUT!L113","v":0},0,{"$nulls":4},{"$f":"+INPUT!H113","v":0},{"$nulls":8},{"$f":"FV(Z9/Y9,Y9*X9,-W9,-V9,1)","v":{"$error":"#DIV/0!"}}]
[{"$f":"INPUT!A114","v":7},{"$f":"+INPUT!B114","v":"Public Provident Fund (PPF)"},null,null,null,{"$f":"+INPUT!G114","v":0},{"$nulls":4},{"$f":"+INPUT!J114","v":0},{"$f":"+INPUT!L114","v":0},{"$nulls":5},{"$f":"+INPUT!H114","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A115","v":8},{"$f":"+INPUT!B115","v":"Recurring Deposits (RD)"},null,null,null,{"$f":"+INPUT!G115","v":0},{"$nulls":4},{"$f":"+INPUT!J115","v":0},{"$f":"+INPUT!L115","v":0},0,{"$nulls":4},{"$f":"+INPUT!H115","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A116","v":9},{"$f":"+INPUT!B116","v":"Mutual Funds\n ( Attach separate sheet if no. of schemes are more)"},null,null,null,{"$f":"+INPUT!G116","v":0},{"$nulls":4},{"$f":"+INPUT!J116","v":0},{"$f":"+INPUT!L116","v":0},0,{"$nulls":4},{"$f":"+INPUT!H116","v":0},null,"Sameer Higher Education",2039,600000,1,15,1,0.12,3284181.2088346453]
[{"$f":"INPUT!A117","v":10},{"$f":"+INPUT!B117","v":"Post - MIS"},null,null,null,{"$f":"+INPUT!G117","v":0},{"$nulls":4},{"$f":"+INPUT!J117","v":0},{"$f":"+INPUT!L117","v":0},0,{"$nulls":4},{"$f":"+INPUT!H117","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A118","v":11},{"$f":"+INPUT!B118","v":"NSC / KVP"},null,null,null,{"$f":"+INPUT!G118","v":0},{"$nulls":4},{"$f":"+INPUT!J118","v":0},{"$f":"+INPUT!L118","v":0},0,{"$nulls":4},{"$f":"+INPUT!H118","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A119","v":12},{"$f":"+INPUT!B119","v":"Corporate FD"},null,null,null,{"$f":"+INPUT!G119","v":0},{"$nulls":4},{"$f":"+INPUT!J119","v":0},{"$f":"+INPUT!L119","v":0},0,{"$nulls":4},{"$f":"+INPUT!H119","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A120","v":13},{"$f":"+INPUT!B120","v":"Sukanya Samrridhi Yojana"},null,null,null,{"$f":"+INPUT!G120","v":0},{"$nulls":4},{"$f":"+INPUT!J120","v":0},{"$f":"+INPUT!L120","v":0},0,{"$nulls":4},{"$f":"+INPUT!H120","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A121","v":14},{"$f":"+INPUT!B121","v":"Shares ( Attach separate sheet if no. of shares are more)"},null,null,null,{"$f":"+INPUT!G121","v":0},{"$nulls":4},{"$f":"+INPUT!J121","v":0},{"$f":"+INPUT!L121","v":0},0,{"$nulls":4},{"$f":"+INPUT!H121","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A122","v":15},{"$f":"+INPUT!B122","v":"career transition fund"},null,null,null,{"$f":"+INPUT!G122","v":0},{"$nulls":4},{"$f":"+INPUT!J122","v":0},{"$f":"+INPUT!L122","v":0},0,{"$nulls":4},{"$f":"+INPUT!H122","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A123","v":16},{"$f":"+INPUT!B123","v":0},null,null,null,{"$f":"+INPUT!G123","v":0},{"$nulls":4},{"$f":"+INPUT!J123","v":0},{"$f":"+INPUT!L123","v":0},0,{"$nulls":4},{"$f":"+INPUT!H123","v":0},{"$nulls":8},{"$f":"FV(Z19/Y19,Y19*X19,-W19,-V19,1)","v":{"$error":"#DIV/0!"}}]
[{"$f":"INPUT!A124","v":17},{"$f":"+INPUT!B124","v":" "},null,null,null,{"$f":"+INPUT!G124","v":0},{"$nulls":4},{"$f":"+INPUT!J124","v":0},{"$f":"+INPUT!L124","v":0},0,{"$nulls":4},{"$f":"+INPUT!H124","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A125","v":18},{"$f":"+INPUT!B125","v":0},null,null,null,{"$f":"+INPUT!G125","v":0},{"$nulls":4},{"$f":"+INPUT!J125","v":0},{"$f":"+INPUT!L125","v":0},0,{"$nulls":4},{"$f":"+INPUT!H125","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A126","v":19},{"$f":"+INPUT!B126","v":0},null,null,null,{"$f":"+INPUT!G126","v":0},{"$nulls":4},{"$f":"+INPUT!J126","v":0},{"$f":"+INPUT!L126","v":0},0,{"$nulls":4},{"$f":"+INPUT!H126","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A127","v":20},{"$f":"+INPUT!B127","v":0},null,null,null,{"$f":"+INPUT!G127","v":0},{"$nulls":4},{"$f":"+INPUT!J127","v":0},{"$f":"+INPUT!L127","v":0},0,{"$nulls":4},{"$f":"+INPUT!H127","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A128","v":21},{"$f":"+INPUT!B128","v":0},null,null," ",{"$f":"+INPUT!G128","v":0},{"$nulls":4},{"$f":"+INPUT!J128","v":0},{"$f":"+INPUT!L128","v":0},0,{"$nulls":4},{"$f":"+INPUT!H128","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A129","v":22},{"$f":"+INPUT!B129","v":0},null,null,null,{"$f":"+INPUT!G129","v":0},{"$nulls":4},{"$f":"+INPUT!J129","v":0},{"$f":"+INPUT!L129","v":0},0,{"$nulls":4},{"$f":"+INPUT!H129","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A130","v":23},{"$f":"+INPUT!B130","v":0},null,null," ",{"$f":"+INPUT!G130","v":0},{"$nulls":4},{"$f":"+INPUT!J130","v":0},{"$f":"+INPUT!L130","v":0},0,{"$nulls":4},{"$f":"+INPUT!H130","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A131","v":24},{"$f":"+INPUT!B131","v":0},null,null,null,{"$f":"+INPUT!G131","v":0},{"$nulls":4},{"$f":"+INPUT!J131","v":0},{"$f":"+INPUT!L131","v":0},0,{"$nulls":4},{"$f":"+INPUT!H131","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A132","v":25},{"$f":"+INPUT!B132","v":"Any Other Regular / Irregular Investments"},null,null," ",{"$f":"+INPUT!G132","v":0},{"$nulls":4},{"$f":"+INPUT!J132","v":0},{"$f":"+INPUT!L132","v":0},0,{"$nulls":4},{"$f":"+INPUT!H132","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$nulls":10},{"$f":"SUM(K4:K28)","v":0},null,{"$f":"SUM(M4:M28)","v":0},{"$nulls":4},{"$f":"SUM(R4:R28)","v":0}]
[]
[]
[]
[]
[10,"NON FINANCIAL ASSETS & INVESTMENTS"]
[{"$f":"INPUT!A138","v":1},{"$f":"+INPUT!B138","v":"Self Occupied Property"},{"$f":"+INPUT!G138","v":"SELF"},1,{"$nulls":13},{"$f":"+INPUT!I138","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A139","v":2},{"$f":"+INPUT!B139","v":"Gold Ornaments"},{"$f":"+INPUT!G139","v":"GOLD"},{"$nulls":14},{"$f":"+INPUT!I139","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A140","v":3},{"$f":"+INPUT!B140","v":"CAR /BYKE"},{"$f":"+INPUT!G140","v":"CAR"},{"$nulls":14},{"$f":"+INPUT!I140","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A141","v":4},{"$f":"+INPUT!B141","v":"Investment Flat 1"},{"$f":"+INPUT!G141","v":"INVESTMENT"},{"$nulls":14},{"$f":"+INPUT!I141","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A142","v":5},{"$f":"+INPUT!B142","v":"Investment Flat 2"},{"$f":"+INPUT!G142","v":"INVESTMENT"},{"$nulls":14},{"$f":"+INPUT!I142","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A143","v":6},{"$f":"+INPUT!B143","v":"PLOT"},{"$f":"+INPUT!G143","v":"PLOT"},{"$nulls":14},{"$f":"+INPUT!I143","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A144","v":7},{"$f":"+INPUT!B144","v":"Gold Coins"},{"$f":"+INPUT!G144","v":"GOLD"},{"$nulls":14},{"$f":"+INPUT!I144","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A145","v":8},{"$f":"+INPUT!B145","v":"Gold Fund / ETF"},{"$f":"+INPUT!G145","v":"GOLD"},{"$nulls":14},{"$f":"+INPUT!I145","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$f":"INPUT!A146","v":9},{"$f":"+INPUT!B146","v":"Ancestral Property"},{"$f":"+INPUT!G146","v":"ANCESTRAL"},{"$nulls":14},{"$f":"+INPUT!I146","v":0},{"$nulls":8},{"$error":"#DIV/0!"}]
[{"$nulls":12},{"$f":"SUM(M35:M43)","v":0},{"$nulls":4},{"$f":"SUM(R35:R43)","v":0}]
[{"$nulls":11},"TOTAL",{"$f":"M29+M44","v":0},{"$nulls":4},{"$f":"R33+R44","v":0}]

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[11]
["TYPE OF POLICY","NAME OF THE PLAN","POLICY NO","INSURED/\nLIFE ASSURED","DOC","LAST PREMIUM DATE","DOM","SUM ASSURED","RIDERS TYPE IF ANY","RIDER SUM ASSURED","MODE PREMIUM AMT","MODE OF PREMIUM(IF YRLY=1, HLY =2, QLY=4 & MLY=12)","ANNUALISED PREMIUM","CURRENT VALUE/ SURRENDER VALUE","ESTIMATED MATURITY VALUE","ALLOCATED GOAL/PURPOSE","REMARKS IF ANY"]
["PURE RISK COVER POLICIES"]
[{"$f":"+INPUT!B151","v":"Mediclaim 1"},{"$nulls":6},{"$f":"+INPUT!G151","v":0},null,null,{"$f":"+INPUT!H151","v":0},{"$f":"+INPUT!J151","v":0},{"$f":"K4*L4","v":0}]
[{"$f":"+INPUT!B152","v":"Mediclaim 2"},{"$nulls":6},{"$f":"+INPUT!G152","v":0},null,null,{"$f":"+INPUT!H152","v":0},{"$f":"+INPUT!J152","v":0},0]
[{"$f":"+INPUT!B153","v":"Top Up Mediclaim Policy"},{"$nulls":6},{"$f":"+INPUT!G153","v":0},null,null,{"$f":"+INPUT!H153","v":0},{"$f":"+INPUT!J153","v":0},0]
[{"$f":"+INPUT!B154","v":"Critical Illness Policy"},{"$nulls":6},{"$f":"+INPUT!G154","v":0},null,null,{"$f":"+INPUT!H154","v":0},{"$f":"+INPUT!J154","v":0},0]
[{"$f":"+INPUT!B155","v":"Hospital Cash Benefit Policy"},{"$nulls":6},{"$f":"+INPUT!G155","v":0},null,null,{"$f":"+INPUT!H155","v":0},{"$f":"+INPUT!J155","v":0},0]
[{"$f":"+INPUT!B156","v":"Specific Illness Policy"},{"$nulls":6},{"$f":"+INPUT!G156","v":0},null,null,{"$f":"+INPUT!H156","v":0},{"$f":"+INPUT!J156","v":0},0]
[{"$f":"+INPUT!B157","v":"Personal Accident Policy"},{"$nulls":6},{"$f":"+INPUT!G157","v":0},null,null,{"$f":"+INPUT!H157","v":0},{"$f":"+INPUT!J157","v":0},0]
[{"$f":"+INPUT!B158","v":"Term Insurance"},{"$nulls":6},{"$f":"+INPUT!G158","v":0},null,null,{"$f":"+INPUT!H158","v":0},{"$f":"+INPUT!J158","v":0},0]
[{"$f":"+INPUT!B159","v":"Parents health insurance"},{"$nulls":6},{"$f":"+INPUT!G159","v":0},null,null,{"$f":"+INPUT!H159","v":0},{"$f":"+INPUT!J159","v":0},0]
["TOTAL",{"$nulls":11},{"$f":"SUM(M4:M12)","v":0}]
[12]
["INVESTMENT CUM INSURANCE PLANS"]
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[{"$f":"+INPUT!B165","v":0},{"$nulls":6},{"$f":"+INPUT!G165","v":0},null,null,{"$f":"+INPUT!H165","v":0},{"$f":"+INPUT!J165","v":0},{"$f":"K17*L17","v":0},{"$nulls":6},"20 YRS","2 TIMES OF SA"]
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[{"$f":"+INPUT!B167","v":0},{"$nulls":6},{"$f":"+INPUT!G167","v":0},null,null,{"$f":"+INPUT!H167","v":0},{"$f":"+INPUT!J167","v":0},0,{"$nulls":6},"30 YEARS","3 TIMES OF SA"]
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[{"$f":"+INPUT!B169","v":0},{"$nulls":6},{"$f":"+INPUT!G169","v":0},null,null,{"$f":"+INPUT!H169","v":0},{"$f":"+INPUT!J169","v":0},0]
[{"$f":"+INPUT!B170","v":0},{"$nulls":6},{"$f":"+INPUT!G170","v":0},null,null,{"$f":"+INPUT!H170","v":0},{"$f":"+INPUT!J170","v":0},0]
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[{"$f":"+INPUT!B172","v":0},{"$nulls":6},{"$f":"+INPUT!G172","v":0},null,null,{"$f":"+INPUT!H172","v":0},{"$f":"+INPUT!J172","v":0},0]
[{"$f":"+INPUT!B173","v":0},{"$nulls":6},{"$f":"+INPUT!G173","v":0},null,null,{"$f":"+INPUT!H173","v":0},{"$f":"+INPUT!J173","v":0},0]
[{"$f":"+INPUT!B174","v":0},{"$nulls":6},{"$f":"+INPUT!G174","v":0},null,null,{"$f":"+INPUT!H174","v":0},{"$f":"+INPUT!J174","v":0},0]
[{"$f":"+INPUT!B175","v":0},{"$nulls":6},{"$f":"+INPUT!G175","v":0},null,null,{"$f":"+INPUT!H175","v":0},{"$f":"+INPUT!J175","v":0},0]
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[null,"ASSUMPTIONS"]
[null,"RETIREMENT AGE",60]
[null,"LIFE EXPECTANCY",85]
[null,"POST RETIRMENT NO OF YRS PENSION REQUIRED",{"$f":"C3-C2","v":25}]
[null,"PRE - RETIREMENT INFLN",7.0000000000000007E-2]
[null,"POST - RETIREMENT INFLN",0.05]
[null,"EDUCATION INFLATION",7.0000000000000007E-2]
[null,"RETURN ON DEBT",0.06]
[null,"RETURN ON EQUITY",0.12]
[null,"RETURN ON BALANCE FUND",0.1]
[null,"RETURN ON GOLD",0.08]
[null,"RETURN ON PROPERTY",0.08]
[null,"RETURN ON PPF / PF",7.0000000000000007E-2]
[null,"POST- RETIREMENT RETURN",0.05]
[null,"NO OF YRS LEFT FOR RETIREMENT",{"$f":"C2-DATA!I6","v":-65}]
[null,"IAR PRE - RETIREMNT",{"$f":"((1+C8)/(1+C5)-1)","v":-9.3457943925233655E-3}]
[null,"IAR POST- RETIREMENT",{"$f":"((1+C14)/(1+C6)-1)","v":0}]

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[]
[null,"INCOME TAX CALCULATION"]
[null,"FINANCIAL YEAR","2016-17"]
[null,null,"HUSBAND",{"$nulls":4},"WIFE"]
[null,null,"MONTHLY","MONTHLY","MONTHLY","YEARLY",null,"MONTHLY","MONTHLY","MONTHLY","YEARLY"]
[null,"PARTICULARS","GROSS","EXEMPTION","TAXABLE","TAXABLE","REMARK","GROSS","EXEMPTION","TAXABLE","TAXABLE","REMARK"]
[null,"BASIC",0,null,{"$f":"C7-D7","v":0},{"$f":"E7*12","v":0},"BASIC",0,null,{"$f":"H7-I7","v":0},{"$f":"J7*12","v":0}]
[null,"HRA",0,{"$f":"D75/12","v":0},{"$f":"C8-D8","v":0},{"$f":"E8*12","v":0},"HRA",0,{"$f":"H8","v":0},{"$f":"H8-I8","v":0},{"$f":"J8*12","v":0}]
[null,"SPECIAL PAY",0,null,0,0,"special pay- pilots",0,null,0,0]
[null,"CONVEYANCE (car allow)",0,null,0,0,"special pay - pilots adjs",0,null,0,0]
[null,"CHILDREN EDU ALLOW",0,0,0,0,"arrs-basic",0,null,0,0]
[null,"FDA PAYABLE",0,null,0,0,"arrs- HRA",0,null,0,0]
[null,"PERSONAL  ALLOWANCE",0,null,0,0,"ARRS-DA",0,null,0,0]
[null,"uniform allow",0,{"$f":"C14","v":0},0,0,"ARR-CCA",0,null,0,0]
[null,"DRIVER'S SALARY",0,null,0,0,"ARRS-EDUCATION ALLOW",0,0,0,0]
[null,"INSTRUCTOR ALLOWANCE",0,null,0,0,"ARRS-R T ALLOW",0,null,0,0]
[null,"COMMAND PAY",0,null,0,0,"ARRS - TYPE ALLOW",0,null,0,0]
[null,"MANAGEMENT PAY",0,null,0,0,"ARRS- LICENSE ALLOW",0,null,0,0]
[null,"PERIODICALS & JOURNALS A",0,null,0,0,"ARRS- EFFICIENCY BONUS- PF",0,null,0,0]
[null,"CHILDREN HOSTEL ALLOW",0,0,0,0,"ARRS- A-320 FAMILY ALLOW",0,null,0,0]
[null,"INCENTVE PAY",0,null,0,0,"ARRS -TELEPHONE ALLOW",0,null,0,0]
[null,"FLIGHT DUTY ALLOWANCE",0,null,0,0,"ARRS- COMMAND PAY - PF",0,null,0,0]
[null,"SERVICE PAY",0,null,0,0,"DA INDEX",0,null,0,0]
[null,"GROSS TOTAL",{"$f":"SUM(C7:C23)","v":0},{"$f":"SUM(D7:D23)","v":0},{"$f":"SUM(E7:E23)","v":0},0,"OTHER  ALLOW",0,null,0,0]
[null,null,"GROSS ANNUAL TAXABLE SALARY",null,null,{"$f":"F24","v":0},"ARR- OTHER ALLOW",0,null,0,0]
["LESS","PROFESSIONAL TAX",0,null,null,{"$f":"C26*12","v":0},"ARRS DA",0,null,0,0]
[{"$nulls":5},{"$f":"C27*12","v":0},"ARRS-SPECIAL PAY",0,null,0,0]
[null,"TRAINER ALLOWINSTRUCTOR",0,null,null,{"$f":"C28*12","v":0},"GROSS",{"$f":"SUM(H7:H27)","v":0}," "]
[null,"TOTAL INCOME",null,null,null,{"$f":"F25-F26-F27-F28","v":0}]
[{"$nulls":7},"GROSS ANNUAL TAXABLE SALARY",null,null,{"$f":"SUM(K7:K27)","v":0}]
[null,"AS PER MARCH-16 SALARY SLIP (GTI)",null,null,null,0,{"$nulls":4},2400]
["ADD","INCOME FROM HOUSING LOAN (AS PER WORKING NOTE.NO.2)",null,null,null,0,{"$nulls":4},{"$f":"F32","v":0}]
[null,"TOTAL INCOME",null,null,null,{"$f":"F31+F32","v":0}]
[{"$nulls":7},"TOTAL INCOME",null,null,0]
[null,"DEDUCTION UNDER CHAPTER VI A",{"$nulls":4},"LESS"]
[null,"SEC 80 C","MONTHLY","YEARLY",null,null,null,"AS PER CURRENT SALARY SLIP",null,null,0,null," "]
[null,"LIFE INSURANCE PREMIUM",0,0]
[null,"PF SELF CONTRIBUTION",0,{"$f":"C38*12","v":0},null,null,null,"LOSS FROM HOUSE PROPERTY",null,null,0]
[null,"HSG PRINCIPAL",0,0,{"$nulls":6},0]
[null,"PPF",0,{"$f":"C40*12","v":0},null,null,null,"GROSS TOTAL INCOME",null,null,{"$f":"K36+K38","v":0}]
[null,"ULIP",0,null,null,{"$f":"SUM(D37:D41)","v":0}]
[{"$nulls":4},"TOTAL 80 C",150000,null,null,null,"TOTAL 80 C",150000]
[null,"SEC 80 D"]
[null,"MEDICLAIM "]
[null,"PREMIUM SELF, SPOUSE & DEPENDENT CHILDREN",null,null,null,0,"FROM MEDICLAIM POLICY","COMPANY",null,null,0]
[null,"HEALTH CHECK UP EXPS SELF, SPOUSE & KIDS",{"$nulls":4},"MEDICLAIM FOR PARENTS","FROM PILOT ASSOCIATION",null,null,0]
[null,"PREMIUM FOR PARENTS"]
[null,"HEALTH CHECK UP EXPS FOR PARENTS"]
[{"$nulls":4},"TOTAL 80 D",{"$f":"SUM(F45:F48)","v":0},null,null,null,"TOTAL 80 D",{"$f":"SUM(K45:K48)","v":0}]
[]
[]
["LESS","HSG LOAN INTEREST U/SEC 24 (b)"]
[null,"SOP"]
[null,"LOP",0,null,null,0]
[null,"LOP 2"]
[null,null,"TOTAL LOAN INTEREST U/SEC 24 (b)",null,null,{"$f":"SUM(F53:F55)","v":0}]
[null,null,null,"TAXABLE INCOME",null,{"$f":"F33-F42-F49","v":-150000},null,null,"TAXABLE INCOME",null,{"$f":"K40-K42-K49","v":-150000}]
[null,null,"AMOUNT","TAX RATES","TAX AMOUNT",null,null,"AMOUNT","TAX RATES","TAX AMOUNT"]
[null,"UPTO 250000",250000,0,{"$f":"C59*D59","v":0},null,null,250000,0,{"$f":"H59*I59","v":0}]
[null,"B/W 250001 TO 500000",250000,0.1,{"$f":"C60*D60","v":25000},null,null,250000,0.1,{"$f":"H60*I60","v":25000}]
[null,"B/W 500001 TO1000000",500000,0.2,{"$f":"C61*D61","v":100000},null,null,500000,0.2,{"$f":"H61*I61","v":100000}]
[null,"1000000& ABOVE",0,0.3,{"$f":"C62*D62","v":0},null,null,0,0.3,{"$f":"H62*I62","v":0}]
[null,null,null,"TOTAL NET TAX",null,{"$f":"SUM(E59:E62)","v":125000},null,null,"TOTAL NET TAX",null,{"$f":"SUM(J59:J62)","v":125000}]
["ADD","SURCHARGE @12%",null,0]
[{"$nulls":5},{"$f":"F63+F64","v":125000}]
[null,"ADD EDUCATION CESS",null,0.03,null,{"$f":"F65*D66","v":3750},null,null,0.03,null,{"$f":"K63*I66","v":3750}]
[]
[null,null,null,"TOTAL TAX LIABLITY",null,{"$f":"F63+F66","v":128750},null,null,"TOTAL TAX LIABLITY",null,{"$f":"K63+K66","v":128750}]
[null,null,null,"TDS DEDUCTED AMOUNT",{"$nulls":4},"TDS DEDUCTED AMOUNT"]
[null,null,null,"ADVANCE TAX PAID AMT",{"$nulls":4},"ADVANCE TAX PAID AMT"]
[]
[null,"CALCULATION OF EXEMPT HRA"]
[null,"LEAST OF THE 3 EXEMPT"]
[1,"ACTUAL HRA RECEIVED",null,{"$f":"C8*12","v":0}]
[2,"50% OF BASIC",null,{"$f":"C7*0.5*12","v":0}]
[3,"RENT PAID",{"$f":"DATA!#REF!*12","v":{"$error":"#REF!"}}]
["LESS","10% OF BASIC",{"$f":"C7*0.1*12","v":0},{"$f":"C76-C77","v":{"$error":"#REF!"}}]
[]
[null,"CALCULATION OF INCOME /LOSS FROM HOUSE PROPERTY"]
[]
[null,"GROSS ANNUAL VALUE",0,0]
["LESS","MUNCIPAL TAXES PAID",0,0]
[null,"NET ANNUAL VALUE",{"$f":"D83/2","v":0},{"$f":"D81-D82","v":0}]
["LESS","1. STANDARD DEDUCTION U/SEC. 24(a)",{"$f":"C83*0.3","v":0},{"$f":"D83*0.3","v":0}]
[null,"2. HOUSING LOAN INTEREST (SEC. 24(b)",0,0]
[null,"INCOME FROM HOUSE PROPERTY",{"$f":"C83-(C84+C85)","v":0},{"$f":"D83-(D84+D85)","v":0}]

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["One Stop for All Financial Calculators"]
["Future Value of One Time Investment",{"$nulls":4},"One Time Investment Required For Future Value",{"$nulls":4},"SIP Calculator",{"$nulls":4},"SIP Required for Future Value"]
[]
["One Time Investment",null,null,100000,null,"Target Future Value",null,null,1000000,null,"SIP Amount (Per  Month)",null,null,19502,null,"Target Future Value",null,null,13200000]
["Investment Period (Yrs)",null,null,10,null,"Investment Period (Yrs)",null,null,5,null,"SIP Period (Yrs)",null,null,15,null,"SIP Period (Yrs)",null,null,15]
["Growth Rate Assumed",null,null,0.1,null,"Growth Rate Assumed",null,null,0.15,null,"Growth Rate Assumed",null,null,0.15,null,"Growth Rate Assumed",null,null,0.15]
["Future Value",null,null,{"$f":"FV(D6,D5,,-D4)","v":259374.24601000018},null,"One Time Investment Required",null,null,{"$f":"PV(I6,I5,,-I4)","v":497176.73529828986},null,"Future Value of SIP",null,null,{"$f":"FV(N6/12,N5*12,-N4,,1)","v":13200184.057102429},null,"SIP Required (Per Month)",null,null,{"$f":"PMT(S15/12,S5*12,,-S4,1)","v":26160.578411960181}]
[]
["SWP Calculator ",{"$nulls":4},"Lumpsum Investment Required for Target SWP Amount",{"$nulls":4},"Future Value of Limited Period SIP",{"$nulls":4},"Limited Period SIP For Future Goal"]
[]
[]
["Lumpsum Investment",null,null,5000000,null,"SWP Amount Needed (Per Month )",null,null,20000,null,"SIP Amount (Per  Month)",null,null,10000,null,"Target Amount",null,null,10000000]
["SWP Period (Yrs)",null,null,10,null,"SWP Period (Yrs)",null,null,20,null,"Limited SIP Period (Yrs)",null,null,15,null,"Limited SIP Period (Yrs)",null,null,15]
["Growth Rate Assumed",null,null,0.15,null,"Growth Rate Assumed",null,null,7.0000000000000007E-2,null,"Deferment Period (Yrs)",null,null,10,null,"Deferment Period (Yrs)",null,null,5]
["Balance Required at the End",null,null,0,null,"Balance Required at the End",null,null,2500000,null,"Growth Rate Assumed",null,null,0.15,null,"Growth Rate Assumed",null,null,0.12]
["SWP Amount Per Month",null,null,{"$f":"PMT(D14/12,D13*12,-D12,D15)","v":80667.478537157789},null,"Investment Required",null,null,{"$f":"-PV(I14/12,I13*12,I12,I15,0)","v":3198655.2435213747},null,"Future Value",null,null,{"$f":"-FV(N15,N14,,FV(N29,N13*12,-N12,,1))","v":7282003.9242742322},null,"SIP Required Per Month",null,null,{"$f":"PMT(S15/12,S13*12,,PV(S15,S14,,S12,0),1)","v":11245.617236423057}]
[]
["Combo of Onetime Investment & SIP for Future Value",{"$nulls":4},"Onetime Required (SIP is known) to Achieve Target Future Value ",{"$nulls":4},"SIP Required (Onetime is known) to Achieve Target Future Value "]
[]
[]
["SIP Amount (Per Month)",null,null,10000,null,"Target Future Value",null,null,30000000,null,"Target Future Value",null,null,30000000]
["Growth Rate Assumed",null,null,0.15,null,"Investment Period (Yrs)",null,null,20,null,"Investment Period (Yrs)",null,null,20]
["Onetime Investment",null,null,500000,null,"SIP Amount (Per  Month)",null,null,13287,null,"Lumpsum Investment",null,null,500000]
["Growth Rate Assumed",null,null,0.12,null,"Expected Return (SIP)",null,null,0.15,null,"Expected Return (Lumpsum)",null,null,0.15]
["Investment Period (Yrs)",null,null,20,null,"Expected Return (Onetime)",null,null,0.15,null,"Expected Return (SIP)",null,null,0]
["Future Value",null,null,{"$f":"FV(D29,D25*12,-D21,,1)+FV(D24,D25,,-D23)","v":7223146.5466374736},null,"Onetime Required",null,null,{"$f":"-PV(I25,I22,,(I21-FV(I29,I22*12,-I23,,1)))","v":1638166.9107086447},null,"SIP Required (Per Month)",null,null,{"$f":"-PMT(N24/12,N22*12,-N23,N21,1)","v":13286.84134623022}]

{"sheet":"SURPLUS & NETWORTH","index":19,"n_rows":17,"n_cols":8,"rows_kept":17,"cut":false,"hidden":true,"merged":[[0,1,0,4],[13,6,13,7],[9,1,9,4],[16,1,16,3]]}
[null,"CASH FLOWS "]
[null,"TOTAL YEARLY INFLOWS",{"$f":"DATA!F77","v":5400000},"TOTAL MONTHLY INFLOWS",{"$f":"C2/12","v":450000}]
[null,"FAMILY STANDARD OF LIVING EXPENSES",{"$f":"DATA!E47","v":940800},"FAMILY STANDARD OF LIVING EXPENSES",{"$f":"C3/12","v":78400}]
[null,"PURE INSURANCE PREMIUMS",{"$f":"INSURANCE!M13","v":0},"PURE INSURANCE PREMIUMS",0]
[null,"REGULAR SAVINGS & INVESTMENTS",{"$f":"'EXISTING ASSETS & INVESTMENTS'!M29+INSURANCE!M39","v":0},"REGULAR SAVINGS & INVESTMENTS",0]
[null,"LOAN EMI DETAILS",{"$f":"DATA!D59*12","v":1013316},{"$f":"DATA!B50","v":"LOAN DETAILS"},84443]
[null,"TOTAL YEARLY OUTFLOWS",{"$f":"SUM(C3:C6)","v":1954116},"TOTAL MONTHLY OUTFLOWS",{"$f":"SUM(E3:E6)","v":162843}]
[null,"YEARLY SURPLUS AMOUNT",{"$f":"C2-C7","v":3445884},"MONTHLY SURPLUS AMOUNT",{"$f":"E2-E7","v":287157}]
[]
[null,"NETWORTH STATEMENT"]
[null,"ASSETS","AMT","LIABLITIES","AMT"]
[null,"FINANCIAL ASSETS",{"$f":"'EXISTING ASSETS & INVESTMENTS'!R29","v":0},"LOAN LIABILITIES",{"$f":"DATA!E59","v":8205617}]
[null,"NON FINANCIAL ASSETS",{"$f":"'EXISTING ASSETS & INVESTMENTS'!R44","v":0},"SOP HOUSE",{"$f":"'EXISTING ASSETS & INVESTMENTS'!R35","v":0}]
[null,"CASH VALUE OF INSURANCE OF INSURANCE POLICIES",{"$f":"INSURANCE!N39","v":0},null,null,null,"Networth"]
[null,"JEWELLERY- ORNAMENTS",{"$f":"'EXISTING ASSETS & INVESTMENTS'!R36","v":0},"CAR",{"$f":"'EXISTING ASSETS & INVESTMENTS'!R37","v":0},null,"TOTAL ASSETS",{"$f":"C16","v":0}]
[null,"TOTAL ASSETS",{"$f":"SUM(C12:C15)","v":0},"TOTAL LIABILITIES",{"$f":"SUM(E12:E15)","v":8205617},null,"TOTAL LIABILITIES",{"$f":"E16","v":8205617}]
[null,"NETWORTH VALUE",null,null,{"$f":"C16-E16","v":-8205617},null,"NETWORTH",{"$f":"H15-H16","v":-8205617}]

{"sheet":"FINANCIAL RATIOS ANALYSIS","index":20,"n_rows":31,"n_cols":6,"rows_kept":31,"cut":false,"hidden":true,"merged":[[13,5,14,5],[16,0,16,1],[16,2,18,2],[0,0,0,5],[5,0,5,1],[5,2,8,2],[9,0,9,1],[9,2,11,2],[2,0,2,1],[2,2,4,2],[22,0,22,1],[22,2,24,2],[12,0,12,1],[12,2,15,2],[19,0,19,1],[19,2,21,2],[28,0,28,1],[28,2,30,2],[25,0,25,1],[25,2,27,2],[29,0,29,1],[30,0,30,1]]}
["FINANCIAL RATIOS ANALYSIS"]
["S.N.","Financial Ratios","Particulars","Amount","Actual","Range"]
["I) CONSUMPTION EXPENSES RATIO",null,"HOW MUCH DO YOU SPEND TO MAINTAIN YOUR STANDARD OF LIVING EXPENSES OUT OF YOUR TOTAL INCOME",null,null,"< 30% - Optimum"]
[null,"TOTAL ANNUAL EXPS",null,{"$f":"DATA!E47+INSURANCE!M13","v":940800},{"$f":"D4/D5","v":0.17422222222222222},"30% - 50% - Moderate"]
[null,"TOTAL YEARLY INFLOWS",null,{"$f":"'SURPLUS & NETWORTH'!C2","v":5400000},null,"> 50% - Adverse"]
["I) BASIC LIQUIDITY RATIO",null,"This ratio indicates one's ability to meet mandatory monthly expenses & other emergency needs",null,null,"< 3 Adverse"]
[{"$nulls":5},"3- <5 Moderate"]
[null," Total Liquid Assets",null,{"$f":"SUM('EXISTING ASSETS & INVESTMENTS'!R4:R8)","v":0},{"$f":"D8/D9","v":0},"5-6  Optimum"]
[null,"Total Monthly Outfolws",null,{"$f":"'SURPLUS & NETWORTH'!E3+'SURPLUS & NETWORTH'!E5+'SURPLUS & NETWORTH'!E6+'SURPLUS & NETWORTH'!E4","v":162843},null,"> 6 Less Optimum"]
["II) EXPANDED LIQUIDITY RATIO",null,"This ratio is required during emergency situations when it may not be possible to convert one's assets into cash",null,null,"< 12 Adverse"]
[null,"Total Financial Assets",null,{"$f":"'SURPLUS & NETWORTH'!C12","v":0},{"$f":"D11/D12","v":0},"12 - 24 Moderate"]
[null,"Total Monthly Outflows",null,{"$f":"D9","v":162843},null,"> 24 - Optimum"]
["III) SAVINGS RATIO",null,"This ratio calculates the proportion of income an individual sets aside for savings out of the total income",null,null,"< 10% Adverse"]
[null,"REGULAR YEARLY SAVINGS",null,{"$f":"'EXISTING ASSETS & INVESTMENTS'!M29","v":0},{"$f":"D14/D15","v":0},"10% - 25% - Moderate"]
[null,"TOTAL YEARLY INFLOWS",null,{"$f":"DATA!F77","v":5400000}]
[{"$nulls":5},"> 25% - Optimum"]
["IV) DEBT ASSET RATIO",null,"This ratio calculates an individual's ability to pay liabilities out of assets.",null,null,"< 30% - Optimum"]
[null,"TOTAL LOAN OUTSTANDING",null,{"$f":"DATA!E59","v":8205617},{"$f":"D18/D19","v":{"$error":"#DIV/0!"}},"30% - 50% - Moderate"]
[null,"TOTAL ASSETS",null,{"$f":"'SURPLUS & NETWORTH'!C16","v":0},null,"> 50% - Adverse"]
["V) SOLVENCY RATIO",null,"This ratio is used to measure the potential of long-term solvency",null,null,"< 30% - Adverse"]
[null,"Net Worth",null,{"$f":"'SURPLUS & NETWORTH'!E17","v":-8205617},{"$f":"D21/D22","v":{"$error":"#DIV/0!"}},"30% - 50% - Moderate"]
[null,"Total Assets",null,{"$f":"D19","v":0},null,"> 50% - Optimum"]
["VI) DEBT SERVICE RATIO",null,"These ratios are used to measure an individual's ability to make debt repayments out of Net Take Home",null,null,"< 25% - Optimum"]
[null,"Annual  Total Loan Emi",null,{"$f":"DATA!D59*12","v":1013316},{"$f":"D24/D25","v":0.1876511111111111},"25% - 45% - Moderate"]
[null,"TOTAL YEARLY INFLOWS",null,{"$f":"'SURPLUS & NETWORTH'!C2","v":5400000},null,">45% - Adverse"]
["VII) FINANCIAL ASSET RATIO",null,"This ratio is used to determine an individual's invested assets (excluding self consumption) out of total Net Worth",null,null,"< 30% - Adverse"]
[null,"FINANCIAL ASSETS",null,{"$f":"'SURPLUS & NETWORTH'!C12","v":0},{"$f":"D27/D28","v":{"$error":"#DIV/0!"}},"30% - 50% - Moderate"]
[null,"Total Assets",null,{"$f":"'SURPLUS & NETWORTH'!C16","v":0},null,"> 50% - Optimum"]
["VII) INSURANCE COVERAGE RATIO",null,"HOW MUCH PERCENTAGE OF INSURANCE YOUR ALREADY COVERED THROUGH YOUR EXISTING INSURANCE & ASSETS",null,null,"< 75% - Adverse"]
["EXISTING INSURANCE AMT",null,null,{"$f":"INSURANCE!H11+INSURANCE!H39","v":0},{"$f":"D30/D31","v":0},"75% TO 100% - Moderate"]
["TOTAL INSURANCE RQUIRED AMT",null,null,{"$f":"'RISK PLANNING'!D26","v":23885617},null,"> 100% - Optimum"]

{"sheet":"EMERGENCY FUND","index":21,"n_rows":9,"n_cols":5,"rows_kept":9,"cut":false,"hidden":true,"merged":[[0,0,0,4],[1,5,1,11],[5,5,5,8],[7,0,8,1]]}
["EMERGENCY PLANNING FOR JOB LOSS / BUSINESS LOSS /CASH CRUNCH"]
["TOTAL AVERAGE MONTHLY OUTFLOW",{"$f":"'SURPLUS & NETWORTH'!E3+'SURPLUS & NETWORTH'!E5+'SURPLUS & NETWORTH'!E6","v":162843},null,"EXISITING SOURCES","AMT"]
["NO OF MONTHS TO BE PLANNED",9,null,"Bank 1  - Savings balance",0]
["TOTAL EMERGENCY FUND REQUIRED",{"$f":"B2*B3","v":1465587},null,"Fixed Deposit - Bank …..",400000]
["EXISTING PROVISION",{"$f":"E5","v":400000},null,"TOTAL EXISTING AMT",{"$f":"SUM(E1:E4)","v":400000}]
["GAP AMOUNT TO BE FILLED",{"$f":"B4-B5","v":1065587},null,"WHERE TO INVEST","AMT"]
["My recommendation : ",null,null,"IN SAVING A/C  1 MONTH PROVISION",{"$f":"B2","v":162843}]
[null,null,null,"IN BANK FD/ LIQUID FUND",{"$f":"B4-B2","v":1302744}]
[null,null,null,"TOTAL INVESTMENT",{"$f":"SUM(E7:E8)","v":1465587}]

{"sheet":"Ratio Dashboard","index":22,"n_rows":9,"n_cols":8,"rows_kept":9,"cut":false,"hidden":true,"merged":[]}
[]
[]
[]
[]
[null,null,null,"GOOD JOB"]
[{"$nulls":7},"PRESENTED BY:"]
[null,null,null,"BE ALERT"]
[{"$nulls":7},"Mr. Shailendra Rahigude"]
[null,null,null,"NEED IMMEDIATE ACTION"]

{"sheet":"RISK PLANNING","index":23,"n_rows":32,"n_cols":9,"rows_kept":32,"cut":false,"hidden":true,"merged":[[31,3,34,7],[14,6,14,7],[15,6,15,7],[16,6,16,7],[17,6,17,7],[22,6,22,7],[21,6,21,7],[23,6,23,7],[24,6,24,7],[27,6,27,7],[29,6,29,7],[3,1,3,7],[4,2,5,2],[4,1,5,1],[14,9,18,9],[4,4,5,4],[7,4,30,4],[6,2,6,3],[13,2,13,3],[20,2,20,3],[13,5,13,7],[6,5,6,7],[20,5,20,7],[19,1,19,3]]}
[]
[]
[]
[null,"PLANNING FOR UNCERTAIN EVENTS / RISK PLANNING"]
[null,null,"EVENTS TO BE PLANNED","REQUIRED",null,"EXISTING","EXISTING SOURCES /","GAP AMT TO"]
[null,null,null,"AMOUNT",null,"COVER","PLANS","BE FILLED"]
[null,"A","MAJOR HEALTH PROBLEMS"]
[null,1,"BASIC HEALTH PLAN",1000000,null,{"$f":"DATA!C93+INSURANCE!H4+INSURANCE!H5","v":0},{"$f":"INSURANCE!B5","v":0},{"$f":"D8-F8","v":1000000}]
[null,2,"TOP UP PLAN",2000000,null,{"$f":"INSURANCE!H6","v":0},{"$f":"INSURANCE!B6","v":0},{"$f":"D9-F9","v":2000000}]
[null,3,"CRITICAL ILLNESS",1000000,null,{"$f":"INSURANCE!H7","v":0},{"$f":"INSURANCE!B7","v":0},1000000]
[null,4,"HOSPITAL CASH BENEFIT PLAN",3000,null,{"$f":"INSURANCE!H8","v":0},{"$f":"INSURANCE!B8","v":0},3000]
[null,5,"PARENTS HEALTH INSURANCE",500000,null,{"$f":"INSURANCE!H12","v":0},{"$f":"INSURANCE!B12","v":0},500000]
[null,null,"TOTAL",{"$f":"SUM(D8:D12)","v":4503000},null,{"$f":"SUM(F8:F12)","v":0}," ",{"$f":"SUM(H8:H12)","v":4503000}]
[null,"B","ACCIDENTAL DISABLITY/ DEATH"]
[null,1,"TO MAINTAIN SAME STANDARD OF LIVING",{"$f":"DATA!E47/ASSUMPTIONS!C8","v":15680000},null,{"$f":"'SURPLUS & NETWORTH'!C12","v":0},"FINANCIAL ASSETS"]
[null,2,"REPAY ALL THE LOAN LIABILITIES",{"$f":"DATA!E59","v":8205617},null,{"$f":"'EXISTING ASSETS & INVESTMENTS'!R44-('EXISTING ASSETS & INVESTMENTS'!R35+'EXISTING ASSETS & INVESTMENTS'!R36+'EXISTING ASSETS & INVESTMENTS'!R37)","v":0},"NON FINANCIAL ASSETS EXCEPT SOP HOUSE, CAR, JEWELLERY"]
[null,3,"TO COVER CHILDREN EDUCATION & MARRIAGE",{"$f":"'GOALS FOR CHILDREN'!G16","v":0},null,{"$f":"INSURANCE!H10","v":0},"ACCIDENTAL POLICY IF ANY"]
[null,4,"TO FULFILL GOALS",{"$f":"DATA!F89","v":0},null,null,"ANY OTHER ASSETS"]
[null,null,"TOTAL",{"$f":"SUM(D15:D18)","v":23885617},null,{"$f":"SUM(F15:F18)","v":0},null,{"$f":"D19-F19","v":23885617}]
[]
[null,"C","LIFE COVER (NEED BASED METHOD)"]
[null,1,"TO MAINTAIN SAME STANDARD OF LIVING",{"$f":"D15","v":15680000},null,{"$f":"F15","v":0},"FINANCIAL ASSETS"]
[null,2,"REPAY ALL THE LOAN LIABILITIES",{"$f":"D16","v":8205617},null,{"$f":"F16","v":0},"NON FINANCIAL ASSETS EXCEPT SOP HOUSE, CAR, JEWELLERY",null,{"$f":"F23+F22","v":0}]
[null,3,"TO COVER CHILDREN EDUCATION & MARRIAGE",{"$f":"D17","v":0},null,{"$f":"INSURANCE!H11","v":0},"Term Plan"]
[null,4,"TO FULFILL GOALS",{"$f":"D18","v":0},null,{"$f":"INSURANCE!H39","v":0},"Endowment & ULIP Plan Death Benefit amount",null,{"$f":"F24+F25","v":0}]
[null,null,"TOTAL",{"$f":"SUM(D22:D25)","v":23885617},null,{"$f":"SUM(F22:F25)","v":0}," ",{"$f":"D26-F26","v":23885617}]
[]
[null,"D","HOUSE BREAKING & BURGLARY INSURANCE"]
[]
[null,"E","VEHICLE INSURANCE"]
[]
[null,null,"Planner Note:","1). Considering medical inflation in India, Existing health cover of Rs 5 Lakh is not sufficient. Hence it is recommended to go for Rs 10 Lakh base cover as well as Rs 20 lakh Top Up cover. 2). You do not have sufficient financial assets to cover expenses in case of liability. Hence it is recommended to have PA policy with 1.5 Cr cover"]

{"sheet":"Risk Man. Dashboard","index":24,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":true,"merged":[]}

{"sheet":"RETIREMENT PLANNING","index":25,"n_rows":47,"n_cols":11,"rows_kept":47,"cut":false,"hidden":true,"merged":[[0,0,0,4],[17,1,20,4],[0,6,0,10],[24,0,24,7],[1,0,1,1],[1,3,1,4],[17,0,20,0]]}
["RETIREMENT ASSESSMENT",{"$nulls":5},"EXISTING MONTHLY INCOME/ PENSION POST RETIREMENT"]
["PRE- RETIREMENT STAGE",null,null,"POST - RETIREMENT STAGE",null,null,"SOURCE","PRESENT MLY\n Rental INCOME","PRESENT YEARLY INCOME","GROWTH RATE,IF ANY","YEARLY FUTURE VALUE"]
["PRE - RETIREMENT MONTHLY EXPS",{"$f":"DATA!C47","v":78400},null,"YEARLY GAP INCOME REQUIRED",{"$f":"B17*12","v":516.83764345338636},null,"RENTAL INCOME",{"$f":"DATA!E67","v":0},{"$f":"H3*12","v":0},0.05,{"$f":"FV(J3,$B$13,0,-I3,0)","v":0}]
[{"$nulls":6},"PENSION INCOME",null,{"$f":"H4*12","v":0},0.05,{"$f":"FV(J4,$B$13,0,-I4)","v":0}]
["POST RETIREMENT MLY EXPENSES",{"$f":"DATA!H45","v":62720},null,"NO OF  YEARS PENSION REQUIRED",{"$f":"'B I S'!G53","v":0},null,"DIVIDEND INCOME",{"$f":"DATA!E72","v":0},0,0.05,0]
[{"$nulls":6},"ROYALTY INCOME",null,0,0.05,0]
["PRE - RETIREMENT INFLATION RATE",0.06,null,"POST RETIREMENT RETURN ON INVESTMENTS",{"$f":"ASSUMPTIONS!C17","v":0},null,null,null,0,0.05,0]
[{"$nulls":8},0,0.05,0]
["CURRENT AGE",{"$f":"DATA!I6","v":125},null,"CORPUS REQUIRED ON RETIREMENT YEAR",{"$f":"PV(E7/12,E5*12,-B17,0,1)","v":0},null,null,null,0,0.05,0]
[{"$nulls":8},0,0.05,0]
["RETIREMENT AGE",{"$f":"'B I S'!G52","v":0},"LESS","FUTURE VALUE OF EXISTING INVESTMENTS",{"$f":"H47","v":0},"REFER TO H47",null,null,0,0.05,0]
[{"$nulls":8},0,0.05,0]
["NO OF YEARS LEFT FOR RETIREMNT",{"$f":"B11-B9","v":-125},null,"GAP CORPUS TO BE ACCUMULATED BY RETIREMENT",{"$f":"E9-E11","v":0},null,null,null,0,0.05,0]
[{"$nulls":8},0,0.05,0]
["MLY EXPENSES ON RETIREMENT YEAR",{"$f":"FV('RETIREMENT PLANNING'!B7,B13,0,-B5)","v":43.069803621115533},null,"PRE - RETIREMENT RETURN ON INVESTMENTS",0.12,null,null,null,0,0.05,0]
["EXISTING PENSION /  POST RETIRMENT INCOME RECEIVABLE",{"$f":"K18","v":0},"REFER TO K18",{"$nulls":5},0,0.05,0]
["GAP MONTHLY PENSION/ INCOME REQUIRED",{"$f":"B15-B16","v":43.069803621115533},null,"NEW MLY INVESTMENTS TO FILL GAP OF RETIREMENT",{"$f":"PMT(E15/12,B13*12,0,-E13,1)","v":0},null,"TOTAL",{"$f":"I17/12","v":0},{"$f":"SUM(I3:I16)","v":0},"TOTAL",{"$f":"SUM(K3:K16)","v":0}]
["Planner Note:","Planner Note:",{"$nulls":7},"MLY AVERAGE",{"$f":"K17/12","v":0}]
[]
[]
[]
[]
[]
["RETIRMENT YEAR",{"$f":"DATA!G3+'RETIREMENT PLANNING'!B13","v":1899}]
["FUTURE VALUE OF EXISTING ASSETS/INVESTMENTS ALLOCATED TO RETIREMENT NEEDS"]
["NAME OF SCHEME/INVESTMENT","CURRENT VALUE/ REINVESTED VALUE","FUTURE REGURLAR INVESTMENTS AMT","ROR","Investment Period","Mode\nYearly or current value = 1,\nHALF yearly = 2,\nQuarterly = 4,\n Monthly = 12","Recommendation","FUTURE VALUE ON RETIREMENT"]
[{"$f":"'EXISTING ASSETS & INVESTMENTS'!B9","v":"Employee Provident fund (EPF)"},{"$f":"'EXISTING ASSETS & INVESTMENTS'!R9","v":0},{"$f":"'EXISTING ASSETS & INVESTMENTS'!K9*2*12","v":0},0.08,{"$f":"B$13","v":-125},1,null,{"$f":"FV(D27/F27,E27*F27,-C27,-B27,1)","v":0}]
[{"$f":"'EXISTING ASSETS & INVESTMENTS'!B10","v":"Public Provident Fund (PPF)"},{"$f":"'EXISTING ASSETS & INVESTMENTS'!R10","v":0},{"$f":"'EXISTING ASSETS & INVESTMENTS'!M10","v":0},7.0000000000000007E-2,-125,1,null,{"$f":"FV(D28/F28,E28*F28,-C28,-B28,1)","v":0}]
[null,null,null,0.1,-125,1,null,{"$f":"FV(D29/F29,E29*F29,-C29,-B29,1)","v":0}]
[null,null,null,7.0000000000000007E-2,-125,1,null,{"$f":"FV(D30/F30,E30*F30,-C30,-B30,1)","v":0}]
[null,null,null,0.08,-125,1," ",0]
[null,null,null,0.08,-125,1," ",0]
[null,null,null,0.08,-125,1,null,0]
[null,null,null,0.08,-125,1,null,0]
[null,null,null,0.08,-125,1,null,0]
[null,null,null,0.08,-125,1,null,0]
[null,null,null,0.08,-125,1,null,0]
[null,null,null,0.08,-125,1,null,0]
[null,null,null,0.08,-125,1,null,0]
[null,null,null,0.08,-125,1,null,0]
[null,null,null,0.08,-125,1,null,0]
[null,null,null,0.08,-125,1,null,0]
[null,null,null,0.08,-125,1,null,0]
[null,null,null,0.08,-125,1,null,0]
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["INVESTMENT ALLOCATION"]
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[{"$f":"+INPUT!H98","v":0},{"$f":"'GOALS FOR CHILDREN'!B9","v":0},null,{"$f":"+INPUT!F98","v":0},null,{"$f":"IF(+INPUT!J98>0,+INPUT!J98,0)","v":0},{"$f":"'GOALS FOR CHILDREN'!G9","v":0},{"$f":"+ASSUMPTIONS!$C$7","v":7.0000000000000007E-2},0,null,null,null,7.0000000000000007E-2,0,1,null,0,0,0.1,null,{"$error":"#NUM!"},0]
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[{"$f":"+INPUT!H101","v":0},{"$f":"'GOALS FOR CHILDREN'!B12","v":0},null,null,{"$f":"+INPUT!F101","v":0},{"$f":"IF(+INPUT!J101>0,+INPUT!J101,0)","v":0},{"$f":"'GOALS FOR CHILDREN'!G12","v":0},{"$f":"+ASSUMPTIONS!$C$7","v":7.0000000000000007E-2},0,null,null,null,7.0000000000000007E-2,0,1,null,0,0,{"$f":"S10","v":0.1},null,{"$error":"#NUM!"},0]
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[{"$f":"'GOALS FOR CHILDREN'!A15","v":0},{"$f":"'GOALS FOR CHILDREN'!B15","v":0},null,null,{"$f":"+INPUT!G104","v":0},{"$f":"IF(+INPUT!J104>0,+INPUT!J104,0)","v":0},{"$f":"'GOALS FOR CHILDREN'!G15","v":0},{"$f":"+ASSUMPTIONS!$C$7","v":7.0000000000000007E-2},0,null,null,null,0.1,0,1,null,0,0,{"$f":"S13","v":0.12},null,{"$error":"#NUM!"},0]
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[null," "]

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[{"$f":"DATA!G3","v":2024}," ASPIRATIONAL GOALS / NEEDS & DREAMS",{"$nulls":11},"NEW INVESTMENTS TO FILL THE GAPS"]
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["Suitable Investments & Insurance Options based on your Need Analisys as per 7 Events of Financial Indipendance Approach."]
[null,"EVENTS TO BE PLANNED","REQUIRED AMOUNT","EXISTING AMOUNT","GAP AMOUNT TO BE FILLED","TOTAL NEW INVESTMENTS/ PREMIUM REQUIRED","NEW INVESTMENT PLANS / SCHEMES","MINIMUM AMOUNT RECOMMENDED REGULAR","LUMPSUM","AVAILABLE MODES","Type","BALANCE INVESTMENTS PENDING AMOUNT"]
[]
[1,"JOB LOSS / EMERGENCY PLANNING",{"$f":"'EMERGENCY FUND'!B4","v":1465587},{"$f":"'EMERGENCY FUND'!B5","v":400000},{"$f":"C4-D4","v":1065587},{"$f":"E4","v":1065587}]
[{"$nulls":9}," "]
[{"$nulls":6},"TOTAL NEW INVESTMENT INTO BANK FD/ LIQUID FUND FOR EMERGENCY",{"$f":"SUM(H4:H5)","v":0},{"$f":"SUM(I4:I5)","v":0},null,null,{"$f":"F4-I6","v":1065587}]
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[null,"TOP UP PLAN",{"$f":"'RISK PLANNING'!D9","v":2000000},{"$f":"'RISK PLANNING'!F9","v":0},{"$f":"C9-D9","v":2000000},{"$nulls":4},"Yearly","Mediclaim"]
[null,"CRITICAL ILLNESS",{"$f":"'RISK PLANNING'!D10","v":1000000},{"$f":"'RISK PLANNING'!F10","v":0},{"$f":"C10-D10","v":1000000},{"$nulls":4},"Yearly","CI POLICY"]
[null,"HOSPITAL CASH BENEFIT PLAN",{"$f":"'RISK PLANNING'!D11","v":3000},{"$f":"'RISK PLANNING'!F11","v":0},{"$f":"C11-D11","v":3000},{"$nulls":4},"Yearly","HCB POLICY"]
[null,"PARENTS HEALTH INSURANCE",{"$f":"'RISK PLANNING'!D12","v":500000},{"$f":"'RISK PLANNING'!F12","v":0},{"$f":"C12-D12","v":500000},{"$nulls":4},"Yearly","Mediclaim"]
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[3,"ACCIDENTAL PERMANENT DISABLITY"]
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[]
[4,"LIFE COVER PROVISION",{"$f":"'RISK PLANNING'!D26","v":23885617},{"$f":"'RISK PLANNING'!F26","v":0},{"$f":"C17-D17","v":23885617},null,"BUY TERM INSURANCE OF 1.5 Cr. SA from ICICI PRU",{"$f":"F17","v":0},null,"YEARLY","Term Plan"]
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[]
[5,"RETIREMENT PLANNING",{"$f":"'RETIREMENT PLANNING'!E9","v":0},{"$f":"'RETIREMENT PLANNING'!E11","v":0},{"$f":"C21-D21","v":0},{"$f":"'RETIREMENT PLANNING'!E17","v":0},"START SIP IN ALL WEATHER PORTFOLIO",30000]
[" "]
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[6,"CHILDREN EDUCATION & MARRIAGE",{"$f":"'EDUCATION & MARRIAGE'!I15","v":0},{"$f":"'EDUCATION & MARRIAGE'!Q15","v":600000},{"$f":"C32-D32","v":-600000},{"$f":"'EDUCATION & MARRIAGE'!T15","v":{"$error":"#NUM!"}},"START ADDITIONAL FRESH SIP IN ALL WEATHER PORTFOLIO",5000]
[" "]
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[]
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[]
[7,"ASPIRATIONAL GOALS DREAMS PLANNING"]
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[]
[]
[{"$nulls":7},{"$f":"SUM(H44:H46)","v":8000},{"$f":"SUM(I44:I46)","v":0},null,null,{"$f":"F44-H47","v":-8000}]
[null,{"$f":"GOALS!B5","v":"Kirtana Yoga Office"},{"$f":"GOALS!G5","v":0},{"$f":"GOALS!J5","v":0},{"$f":"C48-D48","v":0},{"$f":"GOALS!O5","v":0},null,null,null," "]
[]
[]
[{"$nulls":7},{"$f":"SUM(H48:H50)","v":0},{"$f":"SUM(I48:I50)","v":0},null,null,{"$f":"F48-H51","v":0}]
[null,{"$f":"GOALS!B6","v":"International Tour"},{"$f":"GOALS!G6","v":0},{"$f":"GOALS!J6","v":0},{"$f":"C52-D52","v":0},{"$f":"GOALS!O6","v":0},null,null,null," "]
[]
[]
[{"$nulls":7},{"$f":"SUM(H52:H54)","v":0},{"$f":"SUM(I52:I54)","v":0},null,null,{"$f":"F52-H55","v":0}]
[null,{"$f":"GOALS!B7","v":0},{"$f":"GOALS!G7","v":0},{"$f":"GOALS!J7","v":0},{"$f":"C56-D56","v":0},{"$f":"GOALS!O7","v":0},null,null,null," "]
[]
[]
[{"$nulls":7},{"$f":"SUM(H56:H58)","v":0},{"$f":"SUM(I56:I58)","v":0},null,null,{"$f":"F56-H59","v":0}]
[null,{"$f":"GOALS!B8","v":0},{"$f":"GOALS!G8","v":0},{"$f":"GOALS!J8","v":0},{"$f":"C60-D60","v":0},{"$f":"GOALS!O8","v":0},null,0,null," "]
[]
[]
[{"$nulls":7},{"$f":"SUM(H60:H62)","v":0},{"$f":"SUM(I60:I62)","v":0},null,null,{"$f":"F60-H63","v":0}]
[null,{"$f":"GOALS!B9","v":0},{"$f":"GOALS!G9","v":0},{"$f":"GOALS!J9","v":0},{"$f":"C64-D64","v":0},{"$f":"GOALS!O9","v":0},null,0,0," "]
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[]
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[null,{"$f":"GOALS!B10","v":0},{"$f":"GOALS!G10","v":0},{"$f":"GOALS!J10","v":0},{"$f":"C68-D68","v":0},{"$f":"GOALS!O10","v":0},null,null,null," "]
[]
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[]
[{"$nulls":6},"MONTHLY AVERAGE SURPLUS AMOUNT BEFORE PLANNING",{"$f":"'SURPLUS & NETWORTH'!E8","v":287157}]
[]
[{"$nulls":6},"SOLUTION FOR YOUR FINANCIAL FREEDOM","MONTHLY","LUMPSUM"]
[{"$nulls":5},1,"FOR EMERGENCY LIQUIDITY PROVISION",{"$f":"H6","v":0},{"$f":"I6","v":0}]
[{"$nulls":5},2,"FOR WEALTH PROTECTION IN CASE OF MAJOR HEALTH PROBLEMS & HOSPITALISATION",{"$f":"H13/12","v":0}]
[{"$nulls":5},3,"FOR INCOME PROTECTION IN CASE OF ACCIDENT DISABLITY",{"$f":"H15/12","v":0}]
[{"$nulls":5},4,"FOR INCOME PROTECTION IN CASE OF DEATH",{"$f":"H19/12","v":0}]
[{"$nulls":5},5,"FOR GUARANTEED INCOME PROVISION AFTER RETIRMENT",{"$f":"H30","v":30000},{"$f":"I30","v":0}]
[{"$nulls":5},6,"FOR CHILDREN HIGHER EDUCATION & MARRIAGE",{"$f":"H41","v":5000},{"$f":"I41","v":0}]
[{"$nulls":5},7,"FOR MAKING PROVISION FOR ASPIRATIONAL GOALS",{"$f":"H73","v":8000},{"$f":"I73","v":0}]
[{"$nulls":6},"TOTAL NEW INVESTMENTS RECOMMENDED TO PLAN FOR FINANCIAL FREEDOM",{"$f":"SUM(H78:H84)","v":43000},{"$f":"SUM(I78:I84)","v":0}]
[{"$nulls":6},"MONHLY SURPLUS AFTER PLANNING FOR FINANCIAL FREEDOM EVENTS",{"$f":"H75-H85","v":244157}]
[]
[{"$nulls":5},"IMMEDIATE PLAN OF ACTION TO EXECUTE THE PLAN"]
[{"$nulls":5},1]
[{"$nulls":5},2]
[{"$nulls":5},3]
[{"$nulls":5},4]
[{"$nulls":5},5]
[{"$nulls":5},6]
[{"$nulls":5},7]
[{"$nulls":5},8]
[{"$nulls":5},9]
[{"$nulls":5},10]

{"sheet":"EXECUTION SHEET","index":30,"n_rows":23,"n_cols":16,"rows_kept":23,"cut":false,"hidden":true,"merged":[[0,0,1,0],[0,2,1,2],[0,10,1,10],[0,15,1,15],[0,14,1,14],[0,13,1,13],[0,1,1,1],[0,3,1,3],[0,8,1,8],[0,9,1,9],[0,7,1,7]]}
["SR.NO","GOAL YEARWISE","SCHEME NAME","INVESTMENT ALLOCATED\nEXISTING/NEW","DEBT/","SUB","OPTION","NAME OF THE GOAL","P.V REQUIRED TODAY","F.V REQUIRED IN GOAL YEAR","LUMPSUM AMT INVESTED","SIP AMT","SIP START","TAX BENEFITS","WHEN TO WITHDRAW","REMARKS, IF ANY"]
[{"$nulls":4},"EQUITY","TYPE","GR/DP/DR",{"$nulls":4},"P.M","DATE"]
[1]
[2]
[3]
[4]
[5]
[6]
[7]
[8]
[9]
[10]
[11]
[12]
[13]
[14]
[15]
[16]
[17]
[18]
[19]
[20]
[{"$nulls":7},"TOTAL"]