{"text_format":"2","workbook":"xlsx","n_sheets":8,"sheets":["Profile","Risk Profile","Budget Book","Money","Security","Aspirations","CALCULATIONS","Review"],"not_rendered":{"charts":1,"images":0,"macros":0,"external_links":0,"defined_names":1,"comments":0,"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"}

{"sheet":"Profile","index":0,"n_rows":45,"n_cols":4,"rows_kept":45,"cut":false,"hidden":false,"merged":[]}
["Client's Profile"]
["Name "]
["DOB - ","1988-08-13"]
["Mobile no - "]
["Mail Id "]
["Pan No."]
["Education"]
["Occupation"]
["Current Monthly Income"]
["Current Monthly Expenses"]
["Nature of work"]
["Smoker/non smoker"]
["Any Existing Disease"]
["Alcohol"]
["Other Details"]
["Bank Name"]
["Account NO / IBAN NO."]
["Branch "]
["IFSC CODE / BIC NO."]
["MICR NO / UST IDNR"]
["NOMINEE NAME"]
["NAMONEE DOB"]
["RELATIONSHIP WITH NOMINEE"]
["VACCINATION DATE 1ST DOSE"]
["VACCINATION DATE 1ST DOSE"]
["Address"]
[]
[]
[]
[]
["Family Details"]
["Name","Relation","Age","Income"]
[{"$f":"B2","v":0},"Self",{"$f":"INT((TODAY()-B3)/365.25)","v":36},{"$f":"B9*12","v":0}]
[null,"Spouse"]
[null,"Child 1"]
[null,"Child 2"]
[null,"Father"]
[null,"Mother"]
[]
[]
["Savings",{"$f":"B9-B10","v":0}]
["Emerency Expenses",{"$f":"B10*6","v":0}]
["Chile Higher Education Current Cost",1000000]
["Laisure Expenses",200000,2]
["Wealth Goal",10000000]

{"sheet":"Risk Profile","index":1,"n_rows":114,"n_cols":18,"rows_kept":114,"cut":false,"hidden":false,"merged":[[51,14,51,15],[103,2,103,4],[110,2,111,2],[110,3,111,3],[0,6,13,11],[4,2,5,4],[6,3,6,4],[7,3,7,4]]}
[{"$nulls":6},"Instructions:\nPlease ensure that all highlighted cells (Grey) have an appropriate response.\n1) Enter Client's Name and Code.\n2) Ensure that there is only one response for each question.\n3) Ensure that there is no error in responses.\n4) Check to see if the client agrees with the risk profile.\n5) If there is a disagreement then, select the alternate risk profile as per client's reckoning.\n6) Ensure that the client has signed off on the risk profiler.\n\n"]
[]
[null,null,null,"MSA Financial Services"]
[]
[null,null," Risk Profiler"]
[]
[null,null,"Name:"]
[null,null,"Mobile No"]
[null,null,null,"Please select from Drop-down"]
[null,null,"No.","Questions","Select"]
[null,{"$f":"IF(C12>B10,\"\",IF(C11=\"\",B10,C11))","v":1},1,"Client's Age",{"$f":"IF(E12=\"Y\",4,IF(E13=\"Y\",3,IF(E14=\"Y\",2,IF(E15=\"Y\",1,\"-\"))))","v":"-"},3]
[null,1,null,"<30",null,3]
[null,1,null,"30-45",null,3]
[null,1,null,"45-60",null,3]
[null,1,null,">60",null,1]
[null,""]
[null,2,{"$f":"B15+1","v":2},"What is your current profession?",{"$f":"IF(E18=\"Y\",5,IF(E19=\"Y\",4,IF(E20=\"Y\",3,IF(E21=\"Y\",1,IF(E22=\"Y\",2,\"-\")))))","v":"-"},5]
[null,2,null,"Skilled Professional (Doctor, Lawyer, etc.)",null,5]
[null,2,null,"Salaried",null,4]
[null,2,null,"Businessman",null,3]
[null,2,null,"Homemaker",null,1]
[null,2,null,"Retired",null,2]
[null,""]
[null,3,{"$f":"B22+1","v":3},"What is your marital status?",{"$f":"IF(E25=\"Y\",2,IF(E26=\"Y\",1,\"-\"))","v":"-"},1]
[null,3,null,"Unmarried",null,2]
[null,3,null,"Married",null,1]
[null,""]
[null,4,{"$f":"B26+1","v":4},"Select the number of dependent children",{"$f":"IF(E29=\"Y\",4,IF(E30=\"Y\",3,IF(E31=\"Y\",2,IF(E32=\"Y\",1,\"-\"))))","v":"-"},3]
[null,4,null,0,null,4]
[null,4,null,1,null,3]
[null,4,null,2,null,2]
[null,4,null,">3",null,1,{"$nulls":6},"Q","Answer","Min","Max"]
[null,"",{"$nulls":10},1,{"$f":"IFERROR(INDEX(E:E,MATCH(M33,C:C)),\"0\")","v":"-"},{"$f":"MIN(IF(B$11:B$98=M33,F$11:F$98))","v":1},{"$f":"MAX(IF(B$11:B$98=M33,F$11:F$98))","v":3}]
[null,5,{"$f":"B32+1","v":5},"Select the number of other dependents",{"$f":"IF(E35=\"Y\",4,IF(E36=\"Y\",3,IF(E37=\"Y\",2,IF(E38=\"Y\",1,\"-\"))))","v":"-"},3,{"$nulls":6},{"$f":"M33+1","v":2},"-",{"$f":"MIN(IF(B$11:B$98=M34,F$11:F$98))","v":1},{"$f":"MAX(IF(B$11:B$98=M34,F$11:F$98))","v":5}]
[null,5,null,0,null,4,{"$nulls":6},3,"-",{"$f":"MIN(IF(B$11:B$98=M35,F$11:F$98))","v":1},{"$f":"MAX(IF(B$11:B$98=M35,F$11:F$98))","v":2}]
[null,5,null,1,null,3,{"$nulls":6},4,"-",{"$f":"MIN(IF(B$11:B$98=M36,F$11:F$98))","v":1},{"$f":"MAX(IF(B$11:B$98=M36,F$11:F$98))","v":4}]
[null,5,null,2,null,2,{"$nulls":6},5,"-",{"$f":"MIN(IF(B$11:B$98=M37,F$11:F$98))","v":1},{"$f":"MAX(IF(B$11:B$98=M37,F$11:F$98))","v":4}]
[null,5,null,">3",null,1,{"$nulls":6},6,"-",{"$f":"MIN(IF(B$11:B$98=M38,F$11:F$98))","v":1},{"$f":"MAX(IF(B$11:B$98=M38,F$11:F$98))","v":5}]
[null,"",{"$nulls":10},7,"-",{"$f":"MIN(IF(B$11:B$98=M39,F$11:F$98))","v":1},{"$f":"MAX(IF(B$11:B$98=M39,F$11:F$98))","v":4}]
[null,6,{"$f":"B38+1","v":6},"What is your current net worth in lakhs?",{"$f":"IF(E41=\"Y\",5,IF(E42=\"Y\",4,IF(E43=\"Y\",3,IF(E44=\"Y\",2,IF(E45=\"Y\",1,\"-\")))))","v":"-"},1,{"$nulls":6},8,"-",{"$f":"MIN(IF(B$11:B$98=M40,F$11:F$98))","v":1},{"$f":"MAX(IF(B$11:B$98=M40,F$11:F$98))","v":4}]
[null,6,null,">1,500",null,5,{"$nulls":6},9,"-",{"$f":"MIN(IF(B$11:B$98=M41,F$11:F$98))","v":1},{"$f":"MAX(IF(B$11:B$98=M41,F$11:F$98))","v":4}]
[null,6,null,"500-1,500",null,4,{"$nulls":6},10,"-",{"$f":"MIN(IF(B$11:B$98=M42,F$11:F$98))","v":1},{"$f":"MAX(IF(B$11:B$98=M42,F$11:F$98))","v":3}]
[null,6,null,"100-500",null,3,{"$nulls":6},11,"-",{"$f":"MIN(IF(B$11:B$98=M43,F$11:F$98))","v":1},{"$f":"MAX(IF(B$11:B$98=M43,F$11:F$98))","v":4}]
[null,6,null,"25-100",null,2,{"$nulls":6},12,"-",{"$f":"MIN(IF(B$11:B$98=M44,F$11:F$98))","v":1},{"$f":"MAX(IF(B$11:B$98=M44,F$11:F$98))","v":4}]
[null,6,null,"<25",null,1,{"$nulls":6},13,"-",{"$f":"MIN(IF(B$11:B$98=M45,F$11:F$98))","v":1},{"$f":"MAX(IF(B$11:B$98=M45,F$11:F$98))","v":4}]
[null,"",{"$nulls":10},14,"-",{"$f":"MIN(IF(B$11:B$98=M46,F$11:F$98))","v":1},{"$f":"MAX(IF(B$11:B$98=M46,F$11:F$98))","v":4}]
[null,7,{"$f":"B45+1","v":7},"What is your annual income from all sources in lakhs?",{"$f":"IF(E48=\"Y\",1,IF(E49=\"Y\",2,IF(E50=\"Y\",3,IF(E51=\"Y\",4,\"-\"))))","v":"-"},2,{"$nulls":6},15,"-",{"$f":"MIN(IF(B$11:B$98=M47,F$11:F$98))","v":1},{"$f":"MAX(IF(B$11:B$98=M47,F$11:F$98))","v":4}]
[null,7,null,"<10 ",null,1,{"$nulls":6},"Sum",{"$f":"SUM(N33:N47)","v":0},15,58,null,{"$f":"P48-O48","v":43}]
[null,7,null,"10-50",null,2,{"$nulls":6},{"$f":"IF(AND(N48>=O53,N48<=P53),N53,IF(AND(N48>=O54,N48<=P54),N54,IF(AND(N48>=O55,N48<=P55),N55,IF(AND(N48>=O56,N48<=P56),N56,IF(AND(N48>=O57,N48<=P57),N57,IF(N48<O53,\"\"))))))","v":""}]
[null,7,null,"50-100",null,3]
[null,7,null,">100",null,4]
[null,"",{"$nulls":11},"Risk Profile","(Score)"]
[null,8,{"$f":"B51+1","v":8},"What is your annual family income from all sources in lakhs?",{"$f":"IF(E54=\"Y\",1,IF(E55=\"Y\",2,IF(E56=\"Y\",3,IF(E57=\"Y\",4,\"-\"))))","v":"-"},2,{"$nulls":7},"Super Safe",{"$f":"O48","v":15},{"$f":"O53+Q53","v":23},8,{"$f":"SUM(Q53:Q57)+COUNTA(O53:O57)-1","v":43}]
[null,8,null,"<10 ",null,1,{"$nulls":7},"Safe",{"$f":"P53+1","v":24},32,8]
[null,8,null,"10-50",null,2,{"$nulls":7},"Balanced",33,42,9]
[null,8,null,"50-100",null,3,{"$nulls":7},"Aggressive",43,51,8]
[null,8,null,">100",null,4,{"$nulls":7},"Very Aggressive",52,{"$f":"P48","v":58},{"$f":"P57-O57","v":6}]
[]
[null,{"$f":"IF(C64>B58,\"\",IF(C63=\"\",B58,C63))","v":9},null,null,null,2]
[null,9,null,null,null,1,{"$nulls":7},"Yes"]
[null,9,null,null,null,2,{"$nulls":7},"No"]
[null,9,null,null,null,3]
[null,9,{"$f":"B57+1","v":9},"What percentage of family annual income have you saved in last 3 years?",{"$f":"IF(E64=\"Y\",1,IF(E65=\"Y\",2,IF(E66=\"Y\",3,IF(E67=\"Y\",4,\"-\"))))","v":"-"},4]
[null,"",null,"< 15%"]
[null,10,null,"15-30%",null,2]
[null,10,null,"30-40%",null,3]
[null,10,null,"> 40%",null,2]
[null,10,null,null,null,1]
[null,"",{"$f":"B63+1","v":10},"What best characterizes your risk appetite?",{"$f":"IF(E70=\"Y\",3,IF(E71=\"Y\",2,IF(E72=\"Y\",1,\"-\")))","v":"-"}]
[null,11,null,"High ",null,2]
[null,11,null,"Moderate ",null,4]
[null,11,null,"Low ",null,2]
[null,11,null,null,null,1]
[null,11,{"$f":"B68+1","v":11},"What best characterizes your Risk/Reward preference?",{"$f":"IF(E75=\"Y\",4,IF(E76=\"Y\",2,IF(E77=\"Y\",1,IF(E78=\"Y\",3,\"-\"))))","v":"-"},3]
[null,"",null,"High Risk / High Return"]
[null,12,null,"Medium Risk / Medium Return",null,2]
[null,12,null,"Low Risk / Low Return",null,4]
[null,12,null,"Market linked",null,3]
[null,12,null,null,null,2]
[null,12,{"$f":"B74+1","v":12},"What is your primary investment objective?",{"$f":"IF(E81=\"Y\",4,IF(E82=\"Y\",3,IF(E83=\"Y\",2,IF(E84=\"Y\",1,\"-\"))))","v":"-"},1]
[null,"",null,"Capital appreciation"]
[null,13,null,"Regular income",null,3]
[null,13,null,"Liquidity",null,1]
[null,13,null,"Capital preservation",null,2]
[null,13,null,null,null,3]
[null,13,{"$f":"B80+1","v":13},"What is your investment horizon (# of years)?",{"$f":"IF(E87=\"Y\",1,IF(E88=\"Y\",2,IF(E89=\"Y\",3,IF(E90=\"Y\",4,\"-\"))))","v":"-"},4]
[null,"",null,"<2"]
[null,14,null,"2-4",null,4]
[null,14,null,"4-7",null,1]
[null,14,null,">7",null,2]
[null,14,null,null,null,3]
[null,14,{"$f":"B86+1","v":14},"What is your outstanding obligation (in lakhs)?",{"$f":"IF(E93=\"Y\",1,IF(E94=\"Y\",2,IF(E95=\"Y\",3,IF(E96=\"Y\",4,\"-\"))))","v":"-"},4]
[null,"",null,">100"]
[null,15,null,"25-100",null,3]
[null,15,null,"5-25",null,1]
[null,15,null,"<5",null,2]
[null,15,null,null,null,3]
[null,15,{"$f":"B92+1","v":15},"How familiar are you with investments in securities market?",{"$f":"IF(E99=\"Y\",1,IF(E100=\"Y\",2,IF(E101=\"Y\",3,IF(E102=\"Y\",4,\"-\"))))","v":"-"},4]
[null,null,null,"Not at all"]
[null,null,null,"Limited familiarity"]
[null,null,null,"Good familiarity"]
[null,null,null,"Extensive knowledge"]
[]
[null,null,{"$f":"IF(AND(COUNTIF(E11:E102,\"Y\")<>15,COUNTIF(E11:E102,\"Y\")<>0),\"Error in reponses, please check all responses\",\"\")","v":""}]
[null,null,"Based on above responses, your risk profile is ",null,{"$f":"IF(C104<>\"\",\"\",M49)","v":""}]
[]
[null,null,"Do you accept our assessment of risk profile?"]
[]
[null,null,{"$f":"IF(E107=\"Yes\",\"I agree with the assesment\",\"No, I don't agree with risk profile evaluated above and I believe my risk profile is\")","v":"No, I don't agree with risk profile evaluated above and I believe my risk profile is"}]
[]
[null,null,"Client's Signature"]
[]
[]
[null,null,"Date:"]

{"sheet":"Budget Book","index":2,"n_rows":63,"n_cols":9,"rows_kept":63,"cut":false,"hidden":false,"merged":[[57,5,58,7],[57,8,58,8],[59,5,60,7],[59,8,60,8],[61,5,62,7],[61,8,62,8],[6,0,8,0],[6,1,6,2],[6,5,7,7],[6,8,7,8],[7,1,7,2],[8,1,8,2],[2,0,4,0],[2,1,2,2],[2,5,3,7],[2,8,3,8],[3,1,3,2],[4,1,4,2],[4,5,5,7],[4,8,5,8]]}
["PERSONAL GOAL PLANNING"]
[]
["PROJECTED MONTHLY INCOME","Income 1",null,0,null,"PROJECTED BALANCE \n(Projected income minus expenses)",null,null,{"$f":"D5-I58","v":0}]
[null,"Extra income",null,0]
[null,"Total monthly income",null,0,null,"ACTUAL BALANCE \n(Actual income minus expenses)",null,null,{"$f":"D9-I60","v":0}]
[]
["ACTUAL MONTHLY INCOME","Income 1",null,0,null,"DIFFERENCE \n(Actual minus projected)",null,null,{"$f":"I5-I3","v":0}]
[null,"Extra income",null,0]
[null,"Total monthly income",null,0]
[]
["HOUSING","Projected Cost","Actual Cost","Difference",null,"ENTERTAINMENT","Projected Cost","Actual Cost","Difference"]
["Mortgage or rent",0,0,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Night out",0,0,{"$f":"Entertainment[[#This Row],[Projected Cost]]-Entertainment[[#This Row],[Actual Cost]]","v":0}]
["Phone",0,0,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Music platforms",0,0,{"$f":"Entertainment[[#This Row],[Projected Cost]]-Entertainment[[#This Row],[Actual Cost]]","v":0}]
["Electricity",0,0,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Movies",0,0,{"$f":"Entertainment[[#This Row],[Projected Cost]]-Entertainment[[#This Row],[Actual Cost]]","v":0}]
["Gas",0,0,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Concerts",0,0,{"$f":"Entertainment[[#This Row],[Projected Cost]]-Entertainment[[#This Row],[Actual Cost]]","v":0}]
["Water and sewer",0,0,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Sporting events",0,0,{"$f":"Entertainment[[#This Row],[Projected Cost]]-Entertainment[[#This Row],[Actual Cost]]","v":0}]
["Cable",0,0,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Live theater",0,0,{"$f":"Entertainment[[#This Row],[Projected Cost]]-Entertainment[[#This Row],[Actual Cost]]","v":0}]
["Waste removal",0,0,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Other",0,null,{"$f":"Entertainment[[#This Row],[Projected Cost]]-Entertainment[[#This Row],[Actual Cost]]","v":0}]
["Maintenance or repairs",0,0,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Other",0,null,{"$f":"Entertainment[[#This Row],[Projected Cost]]-Entertainment[[#This Row],[Actual Cost]]","v":0}]
["Supplies",0,0,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Other",0,null,{"$f":"Entertainment[[#This Row],[Projected Cost]]-Entertainment[[#This Row],[Actual Cost]]","v":0}]
["Other",0,0,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Subtotal",{"$f":"SUBTOTAL(109,G12:G20)","v":0},{"$f":"SUBTOTAL(109,H12:H20)","v":0},{"$f":"SUBTOTAL(109,Entertainment[Difference])","v":0}]
["Subtotal",{"$f":"SUBTOTAL(109,B12:B21)","v":0},{"$f":"SUBTOTAL(109,C12:C21)","v":0},{"$f":"SUBTOTAL(109,Housing[Difference])","v":0}]
[{"$nulls":5},"LOANS","Projected Cost","Actual Cost","Difference"]
["TRANSPORTATION","Projected Cost","Actual Cost","Difference",null,"Personal",0,0,{"$f":"Loans[[#This Row],[Projected Cost]]-Loans[[#This Row],[Actual Cost]]","v":0}]
["Vehicle payment",0,0,{"$f":"Transportation[[#This Row],[Projected Cost]]-Transportation[[#This Row],[Actual Cost]]","v":0},null,"Student",0,0,{"$f":"Loans[[#This Row],[Projected Cost]]-Loans[[#This Row],[Actual Cost]]","v":0}]
["Bus/taxi fare",0,null,{"$f":"Transportation[[#This Row],[Projected Cost]]-Transportation[[#This Row],[Actual Cost]]","v":0},null,"Credit card",0,0,{"$f":"Loans[[#This Row],[Projected Cost]]-Loans[[#This Row],[Actual Cost]]","v":0}]
["Insurance",0,null,{"$f":"Transportation[[#This Row],[Projected Cost]]-Transportation[[#This Row],[Actual Cost]]","v":0},null,"Credit card",0,0,{"$f":"Loans[[#This Row],[Projected Cost]]-Loans[[#This Row],[Actual Cost]]","v":0}]
["Licensing",0,0,{"$f":"Transportation[[#This Row],[Projected Cost]]-Transportation[[#This Row],[Actual Cost]]","v":0},null,"Credit card",0,0,{"$f":"Loans[[#This Row],[Projected Cost]]-Loans[[#This Row],[Actual Cost]]","v":0}]
["Fuel",0,0,{"$f":"Transportation[[#This Row],[Projected Cost]]-Transportation[[#This Row],[Actual Cost]]","v":0},null,"Other",null,null,{"$f":"Loans[[#This Row],[Projected Cost]]-Loans[[#This Row],[Actual Cost]]","v":0}]
["Maintenance",0,0,{"$f":"Transportation[[#This Row],[Projected Cost]]-Transportation[[#This Row],[Actual Cost]]","v":0},null,"Subtotal",null,null,{"$f":"SUBTOTAL(109,Loans[Difference])","v":0}]
["Other",0,0,{"$f":"Transportation[[#This Row],[Projected Cost]]-Transportation[[#This Row],[Actual Cost]]","v":0}]
["Subtotal",{"$f":"SUBTOTAL(109,B25:B31)","v":0}," ₹ -   ",{"$f":"SUBTOTAL(109,Transportation[Difference])","v":0},null,"TAXES","Projected Cost","Actual Cost","Difference"]
[{"$nulls":5},"Federal",null,null,{"$f":"Taxes[[#This Row],[Projected Cost]]-Taxes[[#This Row],[Actual Cost]]","v":0}]
["INSURANCE","Projected Cost","Actual Cost","Difference",null,"State",null,null,{"$f":"Taxes[[#This Row],[Projected Cost]]-Taxes[[#This Row],[Actual Cost]]","v":0}]
["Home",0,null,{"$f":"Insurance[[#This Row],[Projected Cost]]-Insurance[[#This Row],[Actual Cost]]","v":0},null,"Local",null,null,{"$f":"Taxes[[#This Row],[Projected Cost]]-Taxes[[#This Row],[Actual Cost]]","v":0}]
["Health",0,null,{"$f":"Insurance[[#This Row],[Projected Cost]]-Insurance[[#This Row],[Actual Cost]]","v":0},null,"Other",null,null,{"$f":"Taxes[[#This Row],[Projected Cost]]-Taxes[[#This Row],[Actual Cost]]","v":0}]
["Life",0,null,{"$f":"Insurance[[#This Row],[Projected Cost]]-Insurance[[#This Row],[Actual Cost]]","v":0},null,"Subtotal",null,null,{"$f":"SUBTOTAL(109,Taxes[Difference])","v":0}]
["Other",0,null,{"$f":"Insurance[[#This Row],[Projected Cost]]-Insurance[[#This Row],[Actual Cost]]","v":0}]
["Subtotal"," ₹ -   ",{"$f":"SUBTOTAL(109,C35:C38)","v":0},{"$f":"SUBTOTAL(109,Insurance[Difference])","v":0},null,"SAVINGS OR INVESTMENTS","Projected Cost","Actual Cost","Difference"]
[{"$nulls":5},"Retirement account",null,null,{"$f":"Savings[[#This Row],[Projected Cost]]-Savings[[#This Row],[Actual Cost]]","v":0}]
["FOOD","Projected Cost","Actual Cost","Difference",null,"Investment account",null,null,{"$f":"Savings[[#This Row],[Projected Cost]]-Savings[[#This Row],[Actual Cost]]","v":0}]
["Groceries",0,null,{"$f":"Food[[#This Row],[Projected Cost]]-Food[[#This Row],[Actual Cost]]","v":0},null,"Other",null,null,{"$f":"Savings[[#This Row],[Projected Cost]]-Savings[[#This Row],[Actual Cost]]","v":0}]
["Dining out",0,null,{"$f":"Food[[#This Row],[Projected Cost]]-Food[[#This Row],[Actual Cost]]","v":0},null,"Subtotal",null,null,{"$f":"SUBTOTAL(109,Savings[Difference])","v":0}]
["Other",0,null,{"$f":"Food[[#This Row],[Projected Cost]]-Food[[#This Row],[Actual Cost]]","v":0}]
["Subtotal"," ₹ -   ",{"$f":"SUBTOTAL(109,C42:C44)","v":0},{"$f":"SUBTOTAL(109,Food[Difference])","v":0},null,"GIFTS AND DONATIONS","Projected Cost","Actual Cost","Difference"]
[{"$nulls":5},"Charity 1",null,null,{"$f":"Gifts[[#This Row],[Projected Cost]]-Gifts[[#This Row],[Actual Cost]]","v":0}]
["PETS","Projected Cost","Actual Cost","Difference",null,"Charity 2",null,null,{"$f":"Gifts[[#This Row],[Projected Cost]]-Gifts[[#This Row],[Actual Cost]]","v":0}]
["Food",null,null,{"$f":"Pets[[#This Row],[Projected Cost]]-Pets[[#This Row],[Actual Cost]]","v":0},null,"Charity 3",null,null,{"$f":"Gifts[[#This Row],[Projected Cost]]-Gifts[[#This Row],[Actual Cost]]","v":0}]
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["Toys",null,null,{"$f":"Pets[[#This Row],[Projected Cost]]-Pets[[#This Row],[Actual Cost]]","v":0},null,"LEGAL","Projected Cost","Actual Cost","Difference"]
["Other",null,null,{"$f":"Pets[[#This Row],[Projected Cost]]-Pets[[#This Row],[Actual Cost]]","v":0},null,"Attorney",null,null,{"$f":"Legal[[#This Row],[Projected Cost]]-Legal[[#This Row],[Actual Cost]]","v":0}]
["Subtotal",{"$f":"SUBTOTAL(109,B48:B52)","v":0},{"$f":"SUBTOTAL(109,C48:C52)","v":0},{"$f":"SUBTOTAL(109,Pets[Difference])","v":0},null,"Alimony",null,null,{"$f":"Legal[[#This Row],[Projected Cost]]-Legal[[#This Row],[Actual Cost]]","v":0}]
[{"$nulls":5},"Payments on lien or judgment",null,null,{"$f":"Legal[[#This Row],[Projected Cost]]-Legal[[#This Row],[Actual Cost]]","v":0}]
["PERSONAL CARE","Projected Cost","Actual Cost","Difference",null,"Other",null,null,{"$f":"Legal[[#This Row],[Projected Cost]]-Legal[[#This Row],[Actual Cost]]","v":0}]
["Medical",null,null,{"$f":"PersonalCare[[#This Row],[Projected Cost]]-PersonalCare[[#This Row],[Actual Cost]]","v":0},null,"Subtotal",{"$f":"SUBTOTAL(109,G52:G55)","v":0},{"$f":"SUBTOTAL(109,H52:H55)","v":0},{"$f":"SUBTOTAL(109,Legal[Difference])","v":0}]
["Hair/nails",null,null,{"$f":"PersonalCare[[#This Row],[Projected Cost]]-PersonalCare[[#This Row],[Actual Cost]]","v":0}]
["Clothing",null,null,{"$f":"PersonalCare[[#This Row],[Projected Cost]]-PersonalCare[[#This Row],[Actual Cost]]","v":0},null,"TOTAL PROJECTED COST",null,null,{"$f":"SUBTOTAL(109,Housing[Projected Cost],Transportation[Projected Cost],Insurance[Projected Cost],Food[Projected Cost],Pets[Projected Cost],PersonalCare[Projected Cost],Entertainment[Projected Cost],Loans[Projected Cost],Taxes[Projected Cost],Savings[Projected Cost],Gifts[Projected Cost],Legal[Projected Cost])","v":0}]
["Dry cleaning",null,null,{"$f":"PersonalCare[[#This Row],[Projected Cost]]-PersonalCare[[#This Row],[Actual Cost]]","v":0}]
["Health club",null,null,{"$f":"PersonalCare[[#This Row],[Projected Cost]]-PersonalCare[[#This Row],[Actual Cost]]","v":0},null,"TOTAL ACTUAL COST",null,null,{"$f":"SUBTOTAL(109,Housing[Actual Cost],Transportation[Actual Cost],Insurance[Actual Cost],Food[Actual Cost],Pets[Actual Cost],PersonalCare[Actual Cost],Entertainment[Actual Cost],Loans[Actual Cost],Taxes[Actual Cost],Savings[Actual Cost],Gifts[Actual Cost],Legal[Actual Cost])","v":0}]
["Organization dues or fees",null,null,{"$f":"PersonalCare[[#This Row],[Projected Cost]]-PersonalCare[[#This Row],[Actual Cost]]","v":0}]
["Other",null,null,{"$f":"PersonalCare[[#This Row],[Projected Cost]]-PersonalCare[[#This Row],[Actual Cost]]","v":0},null,"TOTAL DIFFERENCE",null,null,{"$f":"I58-I60","v":0}]
["Subtotal",{"$f":"SUBTOTAL(109,B56:B62)","v":0},{"$f":"SUBTOTAL(109,C56:C62)","v":0},{"$f":"SUBTOTAL(109,PersonalCare[Difference])","v":0}]

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["S. NO.","PARTICULARS","DATE","INVESTMENT AMOUNT","GOAL AMOUNT","CURRENT VALUE","Date of Investment","CURRENT DATE","Return on Investment"]
[1,"MULTIBAGGER",null,null,0,0,null,{"$f":"TODAY()","v":"2025-03-31"},{"$f":"((F2-D2)/D2)","v":{"$error":"#DIV/0!"}}]
[2,"10% STRATEGY",null,null,0,0,null,"2025-03-31",{"$error":"#DIV/0!"}]
[3,"IDEA2ACT AND WIN",null,null,0,0,null,"2025-03-31",{"$error":"#DIV/0!"}]
[4,"IIFL FLEXI CAP",null,null,0,0,null,"2025-03-31",{"$error":"#DIV/0!"}]
[5,"EQUITY MF",null,null,0,0,null,"2025-03-31",{"$error":"#DIV/0!"}]
[6,"DEBT MF",{"$nulls":5},"2025-03-31",{"$error":"#DIV/0!"}]
[7,"HYBRID MF",{"$nulls":5},"2025-03-31",{"$error":"#DIV/0!"}]
[{"$nulls":7},"2025-03-31",{"$error":"#DIV/0!"}]
[{"$nulls":7},"2025-03-31",{"$error":"#DIV/0!"}]
[{"$nulls":7},"2025-03-31",{"$error":"#DIV/0!"}]
[{"$nulls":7},"2025-03-31",{"$error":"#DIV/0!"}]
[{"$nulls":4},"Achieved",{"$f":"SUM(F2:F12)","v":0}]
[{"$nulls":4},"Required",0]
[{"$nulls":4},"Shortfall",0]

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[]
["S. No.","Particular","RECOMMENDED AMOUNT","INSURED AMOUNT","Policy No","Company","Amount","Renewal Date","Remark"]
[1,"HEALTH INSRANCE"]
[2,"LIFE INSURANCE"]
[3,"ACCIDENTAL INSURANCE"]
[4,"CRITICAL ILLNESS"]
[5,"Home Insurance"]
[6,"Car Insurance"]
[7,"Bike Insurance"]
[8]

{"sheet":"Aspirations","index":5,"n_rows":78,"n_cols":6,"rows_kept":78,"cut":false,"hidden":false,"merged":[]}
["Goal 1",null,null,null,"TOTAL SIP REQUIRED"]
["RETIREMENT PLANNING",null,null,null,"RETIREMENT ",{"$f":"ROUND(B13,1000)","v":0}]
["COST AT 60",{"$f":"FV(B8,60-B4,0,-B5,1)","v":0},null,null,"CHILD MARRIAGE/ EDUCATION",{"$f":"B64","v":2392.6380000471086}]
["CURRENT AGE",{"$f":"Profile!C33","v":"1900-02-05"},null,null,"Laisure",{"$f":"B72","v":11565.126111520352}]
["CURRENT ANNUAL  EXPENSES",{"$f":"Profile!B9*12","v":0},null,null,"Wealth Creation",{"$f":"B78","v":6629.4153690160001}]
["TIME",{"$f":"60-Profile!C33","v":24},null,null,"OTHER",0]
["COMPOUNDING","YEARLY",null,null,"TOTAL SIP REQUIRED",{"$f":"SUM(F2:F6)","v":20587.179480583462}]
["INFLATION",0.05]
["RETURN ON INVESTMENT",0.12]
["REAL RETURN",{"$f":"(1+B9)/(1+B8)-1","v":6.6666666666666652E-2},null,null,"ALLOCATION AS PER BUDGET"]
["LIVING AGE",30,null,null,"RETIREMENT ",{"$f":"Profile!B9*10%","v":0}]
["CORPUS AT 60",{"$f":"PV(B10,B11,-B3,0,0)","v":0},null,null,"CHILD MARRIAGE/ EDUCATION",{"$f":"Profile!B9*10%","v":0}]
["MONTHLY SIP REQUIRED",{"$f":"PMT(B9/12,B6*12,0,-B12,0)","v":0},null,null,"Laisure",{"$f":"Profile!B9*5%","v":0}]
[{"$nulls":4},"Wealth Creation",{"$f":"Profile!B9*5%","v":0}]
["AGE","EXPENSES",null,null,"OTHER",0]
[60,{"$f":"B3","v":0},null,null,"TOTAL SIP REQUIRED",{"$f":"SUM(F11:F15)","v":0}]
[61,{"$f":"B16*107%","v":0},null,null,"CHILD MARRIAGE/ EDUCATION",{"$f":"B72","v":11565.126111520352}]
[62,0,null,null,"HOME/OFFICE",{"$f":"#REF!","v":{"$error":"#REF!"}}]
[63,0,null,null,"ASPIRATION",{"$f":"#REF!","v":{"$error":"#REF!"}}]
[64,0,null,null,"OTHER",{"$f":"#REF!","v":{"$error":"#REF!"}}]
[65,0,null,null,"TOTAL SIP REQUIRED",{"$f":"SUM(F16:F20)","v":{"$error":"#REF!"}}]
[66,0]
[67,0]
[68,0]
[69,0]
[70,0]
[71,0]
[72,0]
[73,0]
[74,0]
[75,0]
[76,0]
[77,0]
[78,0]
[79,0]
[80,0]
[81,0]
[82,0]
[83,0]
[84,0]
[85,0]
[86,0]
[87,0]
[88,0]
[89,0]
[90,0]
[91,0]
[92,0]
[93,0]
[94,0]
[95,0]
[96,0]
[97,0]
[98,0]
[99,0]
[100,0]
[]
[]
["Goal 2",null,null,null,"Total",{"$f":"SUM(F11:F14)","v":0}]
["Education "]
["Current Cost",{"$f":"Profile!B43","v":1000000}]
["Time",{"$f":"18-Profile!C35","v":18}]
["Future Value",{"$f":"FV(7%,B62,0,-B61,1)","v":3379932.2757325354}]
["SIP Reuired",{"$f":"PMT(B10^1/12,B62*12,0,-B61,1)","v":2392.6380000471086}]
[]
["Goal 3"]
["Laisure Expenses"]
["Current Estimated Expenses",{"$f":"Profile!B44","v":200000}]
["TIME",{"$f":"60-Profile!C33","v":24}]
["Future Cost",{"$f":"FV(B71,Profile!C44,0,-Aspirations!B68,1)","v":248139.27719703392}]
["Nominal Rate",{"$f":"NOMINAL(B9,12)","v":0.11386551521499655}]
["SIP Reuired",{"$f":"PMT(B9^1/12,B69,-B70,0,1)","v":11565.126111520352}]
[]
["Goal 4"]
["Wealth Creation"]
["Milestone Level",{"$f":"Profile!B45","v":10000000}]
["Time",{"$f":"Aspirations!B69","v":24}]
["Monthly SIP Reuired",{"$f":"PMT(B71^1/12,B77*12,0,-B76,1)","v":6629.4153690160001}]

{"sheet":"CALCULATIONS","index":6,"n_rows":16,"n_cols":5,"rows_kept":16,"cut":false,"hidden":false,"merged":[[0,0,0,3]]}
["SIP TO FUTURE VALUE CALCULATOR"]
[0.12,5000,10000,20000]
[5,{"$f":"FV(A2/12,A3*12,-B2,0,1)","v":412431.83277486608},{"$f":"FV($A$2/12,A3*12,-$C$2,0,1)","v":824863.66554973216},{"$f":"FV(12%/12,A3*12,-$D$2,0,1)","v":1649727.3310994643}]
[10,{"$f":"FV(A2/12,A4*12,-B2,0,1)","v":1161695.3817597034},2323390.7635194068,4646781.5270388136]
[15,{"$f":"FV(A2/12,A5*12,-B2,0,1)","v":2522879.9975548708},5045759.9951097416,10091519.990219483]
[40,{"$f":"FV(A2/12,A6*12,-B2,0,1)","v":59412101.176770464},118824202.35354093,237648404.70708185]
[80,{"$f":"FV(A2/12,A7*12,-B2,0,1)","v":7108522749.3610859},14217045498.722172,28434090997.444344]
[]
[]
[]
[]
["MILESTONE  CALCULATOR"]
["YEARS",12]
["RATE OF RETURN",0.12]
["MILESTONE ",10000000,20000000,40000000,80000000]
["SIP REQUIRED",{"$f":"PMT($B$14/12,$B$13*12,0,-B15,1)","v":31031.59816202099},62063.196324041979,124126.39264808396,248252.78529616792]

{"sheet":"Review","index":7,"n_rows":2,"n_cols":3,"rows_kept":2,"cut":false,"hidden":false,"merged":[]}
[]
[null,"Date","Remark"]