@php //Accumulation Period (Months) (AD41-AD40)*12 $accumulation_period_months = ($retirement_age-$current_age)*12; //Distribution Period (Months) (AD42-AD41)*12 $distribution_period_months = ($age_at_which_annuity_ends-$retirement_age)*12; //Monthly Return During Accumulation Phase(1) (1+AG48%)^(1/12)-1 $monthly_return_during_accumulation_phase1 = (1+$accumulation_phase_interest_rate_1/100)**(1/12)-1; //Monthly Return During Accumulation Phase(2) (1+AN48%)^(1/12)-1 $monthly_return_during_accumulation_phase2 = (1+$accumulation_phase_interest_rate_2/100)**(1/12)-1; //Monthly Inflation During Accumulation Phase (1+O48%)^(1/12)-1 $monthly_inflation_during_accumulation_phase = (1+$expected_inflation_rate_till_retirement/100)**(1/12)-1; //Monthly Return During Distribution Phase(1) (1+AG49%)^(1/12)-1 $monthly_return_during_distribution_phase1 = (1+$distribution_phase_interest_rate_1/100)**(1/12)-1; //Monthly Return During Distribution Phase(2) (1+AN49%)^(1/12)-1 $monthly_return_during_distribution_phase2 = (1+$distribution_phase_interest_rate_2/100)**(1/12)-1; //Monthly Inflation Rate Post Retirement (1+O49%)^(1/12)-1 $monthly_inflation_rate_post_retirement = (1+$expected_inflation_rate_post_retirement/100)**(1/12)-1; //1st Month Annuity Amount Post Retirement AF43*(1+BF37)^BF33 $first_month_annuity_post_retirement = $current_monthly_expense*(1+$monthly_inflation_during_accumulation_phase)**$accumulation_period_months; //Retirement Corpus Required for Annuity(1) (BF41+BF41*BF40)*(1-(1+BF40)^(BF34-1)*(1+BF38)^(-BF34+1))/(BF38-BF40)+BF41 $retirement_corpus_required_for_annuity1 = ($first_month_annuity_post_retirement+$first_month_annuity_post_retirement*$monthly_inflation_rate_post_retirement)*(1-(1+$monthly_inflation_rate_post_retirement)**($distribution_period_months-1)*(1+$monthly_return_during_distribution_phase1)**(-$distribution_period_months+1))/($monthly_return_during_distribution_phase1-$monthly_inflation_rate_post_retirement)+$first_month_annuity_post_retirement; //Retirement Corpus Required for Annuity(2) (BF41+BF41*BF40)*(1-(1+BF40)^(BF34-1)*(1+BF39)^(-BF34+1))/(BF39-BF40)+BF41 $retirement_corpus_required_for_annuity2 = ($first_month_annuity_post_retirement+$first_month_annuity_post_retirement*$monthly_inflation_rate_post_retirement)*(1-(1+$monthly_inflation_rate_post_retirement)**($distribution_period_months-1)*(1+$monthly_return_during_distribution_phase2)**(-$distribution_period_months+1))/($monthly_return_during_distribution_phase2-$monthly_inflation_rate_post_retirement)+$first_month_annuity_post_retirement; //Retirement Corpus Required for Balance(1) AF44/(1+BF38)^BF34 $retirement_corpus_required_for_balance1 = $balance_required_at_end_of_annuity/(1+$monthly_return_during_distribution_phase1)**$distribution_period_months; //Retirement Corpus Required for Balance(2) $retirement_corpus_required_for_balance2 = $balance_required_at_end_of_annuity/(1+$monthly_return_during_distribution_phase2)**$distribution_period_months; //Future Value of Current Investment AJ57*(1+AG58%)^(AD41-AD40) $future_value_of_current_investment = $current_market_value_of_investment*(1+$expected_rate_of_return_current_investment/100)**($retirement_age-$current_age); //Other Amount Receivable on Retirement $other_amount_receivable_on_retirement = $other_amount_receivable_on_retirement; //Corpus required at the time of Retirement(1) BF42+BF44-BF46-BF47 $corpus_required_at_the_time_of_retirement1 = $retirement_corpus_required_for_annuity1+$retirement_corpus_required_for_balance1-$future_value_of_current_investment-$other_amount_receivable_on_retirement; //Corpus required at the time of Retirement(2) $corpus_required_at_the_time_of_retirement2 = $retirement_corpus_required_for_annuity2+$retirement_corpus_required_for_balance2-$future_value_of_current_investment-$other_amount_receivable_on_retirement; //Total Retirement Corpus (1) BF42+BF44 $total_retirement_corpus1 = $retirement_corpus_required_for_annuity1+$retirement_corpus_required_for_balance1; //Total Retirement Corpus (2) $total_retirement_corpus2 = $retirement_corpus_required_for_annuity2+$retirement_corpus_required_for_balance2; //Fund Value at Retirement BF46+BF47 $fund_value_at_retirement = $future_value_of_current_investment+$other_amount_receivable_on_retirement; //Balance After 5 Years(1) $balance_after_5_years1 = $corpus_required_at_the_time_of_retirement1/(1+$monthly_return_during_accumulation_phase1)**($accumulation_period_months-60); $balance_after_5_years2 = $corpus_required_at_the_time_of_retirement2/(1+$monthly_return_during_accumulation_phase2)**($accumulation_period_months-60); //Balance After 10 Years(1) BF48/(1+BF35)^(BF33-120) $balance_after_10_years1 = $corpus_required_at_the_time_of_retirement1/(1+$monthly_return_during_accumulation_phase1)**($accumulation_period_months-120); $balance_after_10_years2 = $corpus_required_at_the_time_of_retirement2/(1+$monthly_return_during_accumulation_phase2)**($accumulation_period_months-120); //Projected Monthly Expenses At Retirement $projected_monthly_expenses_at_retirement = $first_month_annuity_post_retirement; //Retirement Corpus Required (Scenario 1) $retirement_corpus_required_scenario1 = $corpus_required_at_the_time_of_retirement1; //Retirement Corpus Required (Scenario 2) $retirement_corpus_required_scenario2 = $corpus_required_at_the_time_of_retirement2; //SIP Till Retirement(1) (BF48*BF35)/((1+BF35)*((1+BF35)^((AD41-AD40)*12)-1)) $sip_till_retirement1 = ($corpus_required_at_the_time_of_retirement1*$monthly_return_during_accumulation_phase1)/((1+$monthly_return_during_accumulation_phase1)*((1+$monthly_return_during_accumulation_phase1)**(($retirement_age-$current_age)*12)-1)); //SIP Till Retirement(2) (BF49*BF36)/((1+BF36)*((1+BF36)^((AD41-AD40)*12)-1)) if (isset($monthly_return_during_accumulation_phase2) && $monthly_return_during_accumulation_phase2 > 0){ $sip_till_retirement2 = ($corpus_required_at_the_time_of_retirement2*$monthly_return_during_accumulation_phase2)/((1+$monthly_return_during_accumulation_phase2)*((1+$monthly_return_during_accumulation_phase2)**(($retirement_age-$current_age)*12)-1)); }else{ $sip_till_retirement2=''; } //SIP For 5 Years(1) IF(AD41-AD40<5,"NA",(BF54*BF35)/((1+BF35)*((1+BF35)^(60)-1))) if (($retirement_age-$current_age)<5){ $sip_for_5_years1 = "NA"; }else{ $sip_for_5_years1 = ($balance_after_5_years1*$monthly_return_during_accumulation_phase1)/((1+$monthly_return_during_accumulation_phase1)*((1+$monthly_return_during_accumulation_phase1)**(60)-1)); } if (($retirement_age-$current_age)<5){ $sip_for_5_years2 = "NA"; }else{ if (isset($monthly_return_during_accumulation_phase2) && $monthly_return_during_accumulation_phase2 > 0){ $sip_for_5_years2 = ($balance_after_5_years2*$monthly_return_during_accumulation_phase2)/((1+$monthly_return_during_accumulation_phase2)*((1+$monthly_return_during_accumulation_phase2)**(60)-1)); }else{ $sip_for_5_years2 = ''; } } //SIP For 10 Years(1) IF(AD41-AD40<10,"NA",(BF56*BF35)/((1+BF35)*((1+BF35)^(120)-1))) if (($retirement_age-$current_age)<10){ $sip_for_10_years1 = "NA"; }else{ $sip_for_10_years1 = ($balance_after_10_years1*$monthly_return_during_accumulation_phase1)/((1+$monthly_return_during_accumulation_phase1)*((1+$monthly_return_during_accumulation_phase1)**(120)-1)); } if (($retirement_age-$current_age)<10){ $sip_for_10_years2 = "NA"; }else{ if (isset($monthly_return_during_accumulation_phase2) && $monthly_return_during_accumulation_phase2 > 0){ $sip_for_10_years2 = ($balance_after_10_years2*$monthly_return_during_accumulation_phase2)/((1+$monthly_return_during_accumulation_phase2)*((1+$monthly_return_during_accumulation_phase2)**(120)-1)); }else{ $sip_for_10_years2 = 0; } } //Lumpsum Investment(1) BF48/(1+BF35)^((AD41-AD40)*12) $limpsum_investment1 = $corpus_required_at_the_time_of_retirement1/(1+$monthly_return_during_accumulation_phase1)**(($retirement_age-$current_age)*12); $limpsum_investment2 = $corpus_required_at_the_time_of_retirement2/(1+$monthly_return_during_accumulation_phase2)**(($retirement_age-$current_age)*12); //echo $limpsum_investment2; die(); @endphp
 

Retirement @if(isset($clientname)) Proposal For {{$clientname?$clientname:''}} @else Planning @endif

Current Age: {{$current_age?$current_age:0}} Years
Retirement Age: {{$retirement_age?$retirement_age:0}} Years
Annuity Ends at Age: {{$age_at_which_annuity_ends?$age_at_which_annuity_ends:0}} Years
Current Monthly Expense: ₹ {{custome_money_format($current_monthly_expense)}}
Balance Required at Age {{$age_at_which_annuity_ends?$age_at_which_annuity_ends:0}}: ₹ {{custome_money_format($balance_required_at_end_of_annuity)}}
@if($accumulation_phase_interest_rate_2>0) @else @endif @if($accumulation_phase_interest_rate_2>0) @endif @if($distribution_phase_interest_rate_2>0) @endif
Expected Inflation Rate Expected Return Scenario 1 Scenario 2 Expected Return
Pre Retirement {{$expected_inflation_rate_till_retirement?number_format($expected_inflation_rate_till_retirement, 2, '.', ''):0}} % Accumulation Phase {{$accumulation_phase_interest_rate_1?number_format($accumulation_phase_interest_rate_1, 2, '.', ''):0}} %{{$accumulation_phase_interest_rate_2?number_format($accumulation_phase_interest_rate_2, 2, '.', ''):0}} %
Post Retirement {{$expected_inflation_rate_post_retirement?number_format($expected_inflation_rate_post_retirement, 2, '.', ''):0}} % Distribution Phase {{$distribution_phase_interest_rate_1?number_format($distribution_phase_interest_rate_1, 2, '.', ''):0}} %{{$distribution_phase_interest_rate_2?number_format($distribution_phase_interest_rate_2, 2, '.', ''):0}} %
Projected Monthly Expense at Retirement ₹ {{custome_money_format($projected_monthly_expenses_at_retirement)}}
Total Retirement Corpus Required @if($accumulation_phase_interest_rate_2>0) @endif @if($accumulation_phase_interest_rate_2>0) @endif
Scenario 1 Scenario 2
₹{{custome_money_format($total_retirement_corpus1)}}₹{{custome_money_format($total_retirement_corpus2)}}
Current Market Value of Investment @if($current_market_value_of_investment>0) ₹ {{custome_money_format($current_market_value_of_investment)}} @else NA @endif
Expected Rate of Return {{$expected_rate_of_return_current_investment?number_format($expected_rate_of_return_current_investment, 2, '.', ''):0}} %
Expected Future Value of Current Investment ₹ {{custome_money_format($future_value_of_current_investment)}}
Other Amount Receivable on Retirement ₹ {{custome_money_format($other_amount_receivable_on_retirement)}}
@if(($future_value_of_current_investment+$other_amount_receivable_on_retirement)>=$total_retirement_corpus1 && ($future_value_of_current_investment+$other_amount_receivable_on_retirement)>=$total_retirement_corpus2 && $accumulation_phase_interest_rate_2>0)
Balance Retirement Corpus Required Scenario 1 Scenario 2
You don't need any further investment for the above Goal! You don't need any further investment for the above Goal!

Available Investment Options:

You don't need any further investment for the above Goal!
@elseif(($future_value_of_current_investment+$other_amount_receivable_on_retirement)>=$total_retirement_corpus1) @if($accumulation_phase_interest_rate_2>0) @else @endif @if($accumulation_phase_interest_rate_2>0) @endif
Balance Retirement Corpus Required Scenario 1 Scenario 2 Amount
You don't need any further investment for the above Goal! ₹ {{custome_money_format($total_retirement_corpus2-$future_value_of_current_investment-$other_amount_receivable_on_retirement)}}

Available Investment Options:

@if($accumulation_phase_interest_rate_2>0) @else @endif @if($accumulation_phase_interest_rate_2>0) @endif @if($accumulation_phase_interest_rate_2>0) @endif @if($accumulation_phase_interest_rate_2>0) @endif @if($accumulation_phase_interest_rate_2>0) @endif
Investment Option Option 1 @ {{$accumulation_phase_interest_rate_1?number_format($accumulation_phase_interest_rate_1, 2, '.', ''):0}} % Option 1 @ {{$accumulation_phase_interest_rate_2?number_format($accumulation_phase_interest_rate_2, 2, '.', ''):0}} % Amount
Monthly SIP Till Age {{$retirement_age}} You don't need any further investment for the above Goal!₹ {{custome_money_format($sip_till_retirement2)}}
Monthly SIP For 5 Years₹ {{custome_money_format($sip_for_5_years2)}}
Monthly SIP For 10 Years₹ {{custome_money_format($sip_for_10_years2)}}
Lumpsum Investment₹ {{custome_money_format($limpsum_investment2)}}
@elseif(($future_value_of_current_investment+$other_amount_receivable_on_retirement)>=$total_retirement_corpus2 && $accumulation_phase_interest_rate_2>0) @if($accumulation_phase_interest_rate_2>0) @else @endif @if($accumulation_phase_interest_rate_2>0) @endif
Balance Retirement Corpus Required Scenario 1 Scenario 2 Amount
₹ {{custome_money_format($total_retirement_corpus1-$future_value_of_current_investment-$other_amount_receivable_on_retirement)}} You don't need any further investment for the above Goal!

Available Investment Options:

@if($accumulation_phase_interest_rate_2>0) @else @endif
Investment Option Option 1 @ {{$accumulation_phase_interest_rate_1?number_format($accumulation_phase_interest_rate_1, 2, '.', ''):0}} % Option 1 @ {{$accumulation_phase_interest_rate_2?number_format($accumulation_phase_interest_rate_2, 2, '.', ''):0}} % Amount
Monthly SIP Till Age {{$retirement_age}} ₹ {{custome_money_format($sip_till_retirement1)}} You don't need any further investment for the above Goal!
Monthly SIP For 5 Years ₹ {{custome_money_format($sip_for_5_years1)}}
Monthly SIP For 10 Years ₹ {{custome_money_format($sip_for_10_years1)}}
Lumpsum Investment ₹ {{custome_money_format($limpsum_investment1)}}
@else @if($accumulation_phase_interest_rate_2>0) @else @endif @if($accumulation_phase_interest_rate_2>0) @endif
Balance Retirement Corpus Required Scenario 1 Scenario 2 Amount
₹ {{custome_money_format($total_retirement_corpus1-$future_value_of_current_investment-$other_amount_receivable_on_retirement)}} ₹ {{custome_money_format($total_retirement_corpus2-$future_value_of_current_investment-$other_amount_receivable_on_retirement)}}

Available Investment Options:

@if($accumulation_phase_interest_rate_2>0) @else @endif @if($accumulation_phase_interest_rate_2>0) @endif @if($accumulation_phase_interest_rate_2>0) @endif @if($accumulation_phase_interest_rate_2>0) @endif @if($accumulation_phase_interest_rate_2>0) @endif
Investment Option Option 1 @ {{$accumulation_phase_interest_rate_1?number_format($accumulation_phase_interest_rate_1, 2, '.', ''):0}} % Option 1 @ {{$accumulation_phase_interest_rate_2?number_format($accumulation_phase_interest_rate_2, 2, '.', ''):0}} % Amount
Monthly SIP Till Age {{$retirement_age}} ₹ {{custome_money_format($sip_till_retirement1)}} ₹ {{custome_money_format($sip_till_retirement2)}}
Monthly SIP For 5 Years ₹ {{custome_money_format($sip_for_5_years1)}} ₹ {{custome_money_format($sip_for_5_years2)}}
Monthly SIP For 10 Years ₹ {{custome_money_format($sip_for_10_years1)}} ₹ {{custome_money_format($sip_for_10_years2)}}
Lumpsum Investment ₹ {{custome_money_format($limpsum_investment1)}} ₹ {{custome_money_format($limpsum_investment2)}}
@endif

* Mutual fund investments are subject to marker risks, read all scheme related documents carefully.
* Returns are not guaranteed. The above is for illustration purpose only.

@include('frontend.calculators.common.footer') @if(isset($report) && $report=='detailed')
 
@php $total_months = ($age_at_which_annuity_ends-$retirement_age)*12; $age = $retirement_age; $year_monthly_annuity1 = 0; $year_monthly_annuity2 = 0; $cnt = 0; @endphp

Monthly Annuity & Yearwise Projected Value

@if($accumulation_phase_interest_rate_2>0) @endif @if(!isset($accumulation_phase_interest_rate_2)) @endif @if($accumulation_phase_interest_rate_2>0) @endif @for($m=1;$m<=$total_months;$m++) @php //Option 1 //Retirement Corpus if ($m==1){ $retirement_corpus1 = $total_retirement_corpus1; }else{ $retirement_corpus1 = $eom_value1; } //Monthly Annuity IF(BH34>=BG34,BF58,0) if ($total_months>=$m && $m==1){ $monthly_annuity1 = $projected_monthly_expenses_at_retirement; }elseif ($total_months>=$m && $m>1){ $monthly_annuity1 = $monthly_annuity1+$monthly_annuity1*$monthly_inflation_rate_post_retirement; } else{ $monthly_annuity1 = 0; } $year_monthly_annuity1 += $monthly_annuity1; $balance_left1 = $retirement_corpus1-$monthly_annuity1; //$monthly_return_during_distribution_phase1 //EOM Value IF(BL34>=BK34,BL34+BL34*BM34,0) if ($balance_left1>=$monthly_inflation_rate_post_retirement){ $eom_value1 =$balance_left1+$balance_left1*$monthly_return_during_distribution_phase1; }else{ $eom_value1 = 0; } //Option 1 End //Option 2 //Retirement Corpus if ($m==1){ $retirement_corpus2 = $total_retirement_corpus2; }else{ $retirement_corpus2 = $eom_value2; } //Monthly Annuity IF(BH34>=BG34,BF58,0) if ($total_months>=$m && $m==1){ $monthly_annuity2 = $projected_monthly_expenses_at_retirement; }elseif ($total_months>=$m && $m>1){ $monthly_annuity2 = $monthly_annuity2+$monthly_annuity2*$monthly_inflation_rate_post_retirement; } else{ $monthly_annuity2 = 0; } $year_monthly_annuity2 += $monthly_annuity2; $balance_left2 = $retirement_corpus2-$monthly_annuity2; //$monthly_return_during_distribution_phase1 //EOM Value IF(BL34>=BK34,BL34+BL34*BM34,0) if ($balance_left2>=$monthly_inflation_rate_post_retirement){ $eom_value2 =$balance_left2+$balance_left2*$monthly_return_during_distribution_phase2; }else{ $eom_value2 = 0; } //Option 2 End @endphp @if($m%12==0) @php $age++; $cnt++; @endphp @if($accumulation_phase_interest_rate_2>0) @endif @php $year_monthly_annuity1 = 0; @endphp @if($cnt%25==0 && ($age_at_which_annuity_ends-$retirement_age)>25 && ($age_at_which_annuity_ends-$retirement_age)>$cnt)
Age Scenario 1 @ {{$distribution_phase_interest_rate_1?number_format($distribution_phase_interest_rate_1, 2, '.', ''):0}} % Scenario 2 @ {{$distribution_phase_interest_rate_2?number_format($distribution_phase_interest_rate_2, 2, '.', ''):0}} %
Age Monthly Annuity Balance EOYMonthly Annuity Balance EOY
{{$age}} ₹ {{custome_money_format($year_monthly_annuity1/12)}} ₹ {{custome_money_format($eom_value1)}}₹ {{custome_money_format($year_monthly_annuity1/12)}} ₹ {{custome_money_format($eom_value2)}}
@include('frontend.calculators.common.footer')
 
@if($accumulation_phase_interest_rate_2>0) @endif @if(!isset($accumulation_phase_interest_rate_2)) @endif @if($accumulation_phase_interest_rate_2>0) @endif @endif @endif @endfor
Age Scenario 1 @ {{$distribution_phase_interest_rate_1?number_format($distribution_phase_interest_rate_1, 2, '.', ''):0}} % Scenario 2 @ {{$distribution_phase_interest_rate_2?number_format($distribution_phase_interest_rate_2, 2, '.', ''):0}} %
Age Monthly Annuity Balance EOYMonthly Annuity Balance EOY
@endif

* Monthly annuity will increase every month due to effect of inflation. For simplicity, the amount shown above under monthly annuity is the monthly average of total annuity payments received during the year.

* The Annuity is received on the 1st day of each month starting the 1st month.

*Returns are not guaranteed. The above is for illustration purpose only. Report Date : {{date('d/m/Y')}}

@include('frontend.calculators.common.footer') @include('frontend.calculators.suggested.pdf')