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DO NOT REQUEST EDIT ACCESS TO THE FILE. JUST SAVE A COPY TO YOUR GOOGLE DRIVE WILL DO~ ^^
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License:
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Created by Gracie @ RinggitFreedom.com and licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
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Provided for free at ringgitfreedom.com/resources, not for SALE or COMMERCIALIZATION or PROFITS. Appropriate credit/link back must be provided for forks.
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GeneralRetirement
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Inflation %2%Safe Withdrawal Rate3%
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Enter first start year endingDec 31, 2015Today's Date (for retirement estimation)Jun 26, 20215.00
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Your Date of Birth (just Year is sufficient)Jan 1, 1993
for UAW/AAW/PAW calculation
Lean FIRE: Desired Annual Expenses RM 24,000.00 in today's rate RM 21,738
as of Dec 31, 2015's rate
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Fat FIRE: Desired Annual Expenses RM 39,600.00 in today's rate RM 35,867
as of Dec 31, 2015's rate
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Ultra Fat FIRE: Desired Annual Expenses RM 60,000.00 in today's rate RM 54,344
as of Dec 31, 2015's rate
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EmploymentEstimated FIRE Date
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Income CAGR %4%Lean FIRE2035Lean FIRE
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Employer EPF %13%Fat FIRE2040Fat FIRE
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Employee EPF %11%Ultra Fat FIRE2044Ultra Fat FIRE
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Estimated Tax Bracket %8%
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KWSP Portfolio
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Core Portfolio Annualised %5%
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i-Invest Portfolio Annualised %8%
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StashAway/Others Portfolio annualised %8%
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Personal Portfolio
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Core Portfolio Annualised %8%
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Speculative Portfolio annualised %20%
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Core:Speculative Ratio95%5%
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corespeculative
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Instructions:
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Input yellow cells, avoid grey/blue/coloured cells (usually formula). Feel free to modify format, but check and make sure formulas are still intact.
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Once you key in first year value, the rest will be estimated using above assumptions.
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For cash flow - assumption is to invest all the balances after expense/savings/sinking fund.
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Sample data provided for easy reference. Feel free to override default calculations & input your actuals for the following year as well (that's what I'm doing) to track your actual net worth
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Known Issues:
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Sometimes if you "Collapse" all grouped rows, chart may dissappear. Simply "Expand" all grouped rows, refresh the Sheets, and chart should work again without tweaking anything.
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