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00:00 Calculate the growth in opening balance investments and current year savings
01:08 Calculate annual expenses in the retirement years
02:36 Calculate what should have been saved to last until death (NPV function)

We need to determine how much in savings to we need to retire for a set life span.

In B1 to B12 we have the inputs which indicate:

Current income and existing savings
Anticipated inflation and investment returns above inflation
The current age of the person, the planned retirement age and predicted age of death
The % of current annual income you would need in retirement
The % of current income that will be saved.
In column E, F and G we have the details of ages and when retirement happens

In columns H to J we have calculated what annual income will be based on inflation growth.

In column L to P we need to calculate how much our savings will be:

1. In column N, determine the growth of the saved assets based on the expected Net return (cell B5) based only on the opening balance

2. In column O, determine the growth on the savings during the year assuming that it flows in evenly through the year (so divide the current period savings by 2 to get an estimate)

In columns R to U we have shown the net position in retirement being the savings, what they will earn, what we need to spend and the closing balance. You need to

1. In column T, calculate our anticipated expenses based on the required level (per cell B10) and the income we would be earning if still working (column I)

You will note that we have set up the closing balance to show a -1 when we run out of money.

In column AC we want to determine how much in savings we should have in order to retire comfortably.

1. Create a formula that will look at the annual expenses we need to fund from date of retirement to date of death and present value them to date of retirement based on the net return expected in B5.