Current Job

Annual Salary
Hike rate
Current age
Work
Retirement age
Average tax rate
Health Insurance

65000
3%
28
40
68
26%
0

Discount Rate

6.50%

Wilton
Duration
Annual Tution Fee
Books etc
Expected Job Offer
Bonus
Hike rate
Average tax rate
Health Insurance
Boarding Expenses
Discount Rate

Present Value Calculations

Secnario 1
Year
Salary
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26

Tax
Net Salary
PV
65000.00 16900.00
48100.00
66950.00 17407.00
49543.00
68958.50 17929.21
51029.29
71027.26 18467.09
52560.17
73158.07 19021.10
54136.97
75352.81 19591.73
55761.08
77613.40 20179.48
57433.92
79941.80 20784.87
59156.93
82340.06 21408.41
60931.64
84810.26 22050.67
62759.59
87354.56 22712.19
64642.38
89975.20 23393.55
66581.65
92674.46 24095.36
68579.10
95454.69 24818.22
70636.47
98318.33 25562.77
72755.57
101267.88 26329.65
74938.23
104305.92 27119.54
77186.38
107435.10 27933.12
79501.97
110658.15 28771.12
81887.03
113977.89 29634.25
84343.64
117397.23 30523.28
86873.95
120919.15 31438.98
89480.17
124546.72 32382.15
92164.57
128283.12 33353.61
94929.51
132131.62 34354.22
97777.40
136095.57 35384.85
100710.72

$45,164.32
$43,680.05
$42,244.55
$40,856.23
$39,513.54
$38,214.97
$36,959.08
$35,744.46
$34,569.76
$33,433.67
$32,334.91
$31,272.26
$30,244.53
$29,250.58
$28,289.29
$27,359.60
$26,460.46
$25,590.86
$24,749.85
$23,936.47
$23,149.83
$22,389.04
$21,653.25
$20,941.64
$20,253.42
$19,587.81

27
28
29
30
31
32
33
34
35
36
37
38
39
40
Present Value
Future Value

140178.43
144383.79
148715.30
153176.76
157772.06
162505.22
167380.38
172401.79
177573.84
182901.06
188388.09
194039.73
199860.93
205856.75

36446.39
37539.78
38665.98
39825.96
41020.74
42251.36
43518.90
44824.47
46169.20
47554.28
48980.90
50450.33
51963.84
53522.76

103732.04
106844.00
110049.32
113350.80
116751.32
120253.86
123861.48
127577.32
131404.64
135346.78
139407.19
143589.40
147897.09
152334.00

$18,944.08
$18,321.50
$17,719.39
$17,137.06
$16,573.87
$16,029.19
$15,502.41
$14,992.94
$14,500.22
$14,023.68
$13,562.81
$13,117.08
$12,686.01
$12,269.09
$1,013,223.78
$12,580,261.92

Wilton
2
70000 beginning of year
3000
110000 per year
20000 one time
4%
31%
3000 beginning of year
2000 beginning of year
6.50%

Mount Perry
Duration
Annual Tution Fee
Books etc
Expected Job Offer
Bonus
Hike rate
Average tax rate
Health Insurance
Boarding Expenses
Discount Rate

1
85000
4500
92000
18000
3.50%
29%
3000
2000
6.50%

Wilton College
Expenses / Income
Expenses / Income (Beginning of
Cumulative PV (End of year)
year)
Tax
$45,164.32
-78000.00
$88,844.37
-78000.00
$131,088.92
110000.00
13800.00
$171,945.15
114400.00
$211,458.69
118976.00
$249,673.66
123735.04
$286,632.74
128684.44
$322,377.21
133831.82
$356,946.97
139185.09
$390,380.64
144752.50
$422,715.55
150542.60
$453,987.81
156564.30
$484,232.34
162826.87
$513,482.92
169339.95
$541,772.21
176113.54
$569,131.81
183158.09
$595,592.27
190484.41
$621,183.13
198103.79
$645,932.98
206027.94
$669,869.46
214269.05
$693,019.29
222839.82
$715,408.32
231753.41
$737,061.57
241023.55
$758,003.21
250664.49
$778,256.63
260691.07
$797,844.44
271118.71

34100.00
35464.00
36882.56
38357.86
39892.18
41487.86
43147.38
44873.27
46668.20
48534.93
50476.33
52495.38
54595.20
56779.01
59050.17
61412.17
63868.66
66423.41
69080.34
71843.56
74717.30
77705.99
80814.23
84046.80

$816,788.52
$835,110.02
$852,829.41
$869,966.47
$886,540.34
$902,569.53
$918,071.94
$933,064.88
$947,565.10
$961,588.78
$975,151.59
$988,268.68
$1,000,954.68
$1,013,223.78

281963.46
293242.00
304971.68
317170.54
329857.37
343051.66
356773.73
371044.68
385886.46
401321.92
417374.80
434069.79
451432.58
469489.88

87408.67
90905.02
94541.22
98322.87
102255.78
106346.01
110599.86
115023.85
119624.80
124409.80
129386.19
134561.63
139944.10
145541.86

Highlighted cells have different formulae

than other cells in the column

beginning of year
beginning of year

Wilton College

Net Salary

PV

75900.00
78936.00
82093.44
85377.18
88792.26
92343.96
96037.71
99879.22
103874.39
108029.37
112350.54
116844.56
121518.35
126379.08
131434.24
136691.61
142159.28
147845.65
153759.47
159909.85
166306.25
172958.50
179876.84
187071.91

Cumulative PV
($73,239.44)
($73,239.44)
($68,769.42)
($142,008.86)
$74,258.06
($67,750.80)
$61,358.78
($6,392.02)
$59,918.43
$53,526.41
$58,511.89
$112,038.30
$57,138.37
$169,176.67
$55,797.10
$224,973.77
$54,487.31
$279,461.08
$53,208.26
$332,669.34
$51,959.24
$384,628.58
$50,739.54
$435,368.12
$49,548.47
$484,916.60
$48,385.36
$533,301.96
$47,249.56
$580,551.51
$46,140.41
$626,691.93
$45,057.30
$671,749.23
$43,999.62
$715,748.85
$42,966.77
$758,715.61
$41,958.16
$800,673.77
$40,973.22
$841,646.99
$40,011.41
$881,658.40
$39,072.17
$920,730.58
$38,154.99
$958,885.56
$37,259.33
$996,144.89
$36,384.70
$1,032,529.59

194554.79
202336.98
210430.46
218847.67
227601.58
236705.65
246173.87
256020.83
266261.66
276912.13
287988.61
299508.15
311488.48
323948.02

$35,530.60
$34,696.55
$33,882.07
$33,086.72
$32,310.04
$31,551.58
$30,810.94
$30,087.68
$29,381.39
$28,691.69
$28,018.17
$27,360.47
$26,718.21
$26,091.02
$1,460,746.70
$18,136,739.95

$1,068,060.19
$1,102,756.73
$1,136,638.81
$1,169,725.53
$1,202,035.56
$1,233,587.15
$1,264,398.08
$1,294,485.76
$1,323,867.15
$1,352,558.84
$1,380,577.01
$1,407,937.48
$1,434,655.69
$1,460,746.70

Mount Perry
Expenses /
Income
Expenses / Income (Beginning of
(End of year)
year)
Tax
-85000.00
-9500.00
92000.00
12780.00
95220.00
98552.70
102002.04
105572.12
109267.14
113091.49
117049.69
121146.43
125386.56
129775.09
134317.21
139018.32
143883.96
148919.90
154132.09
159526.72
165110.15
170889.01
176870.12
183060.58
189467.70
196099.06
202962.53
210066.22

Net Salary
26680.00
27613.80
28580.28
29580.59
30615.91
31687.47
32796.53
33944.41
35132.47
36362.10
37634.77
38951.99
40315.31
41726.35
43186.77
44698.31
46262.75
47881.94
49557.81
51292.34
53087.57
54945.63
56868.73
58859.13
60919.20

65320.00
67606.20
69972.42
72421.45
74956.20
77579.67
80294.96
83105.28
86013.97
89024.46
92140.31
95365.22
98703.00
102157.61
105733.13
109433.79
113263.97
117228.21
121331.19
125577.79
129973.01
134522.06
139230.34
144103.40
149147.02

217418.54
225028.19
232904.17
241055.82
249492.77
258225.02
267262.90
276617.10
286298.70
296319.15
306690.32
317424.48
328534.34
340033.04

63051.38
65258.17
67542.21
69906.19
72352.90
74885.26
77506.24
80218.96
83026.62
85932.55
88940.19
92053.10
95274.96
98609.58

154367.16
159770.01
165361.96
171149.63
177139.87
183339.76
189756.66
196398.14
203272.07
210386.60
217750.13
225371.38
233259.38
241423.46

PV

Cumulative PV Best Option

($88,732.39)
($88,732.39) Scenario 1
$68,857.59
($19,874.80) Scenario 1
$55,967.73
$36,092.93 Scenario 1
$54,391.18
$90,484.10 Scenario 1
$52,859.03
$143,343.13 Scenario 1
$51,370.04
$194,713.17 Scenario 1
$49,923.00
$244,636.17 Scenario 1
$48,516.72
$293,152.89 Scenario 1
$47,150.05
$340,302.94 Scenario 1
$45,821.88
$386,124.82 Scenario 1
$44,531.12
$430,655.94 Mount Perry
$43,276.72
$473,932.67 Mount Perry
$42,057.66
$515,990.33 Mount Perry
$40,872.94
$556,863.27 Mount Perry
$39,721.59
$596,584.86 Mount Perry
$38,602.67
$635,187.53 Mount Perry
$37,515.27
$672,702.80 Mount Perry
$36,458.50
$709,161.30 Wilton College
$35,431.50
$744,592.80 Wilton College
$34,433.43
$779,026.24 Wilton College
$33,463.48
$812,489.71 Wilton College
$32,520.84
$845,010.56 Wilton College
$31,604.76
$876,615.32 Wilton College
$30,714.49
$907,329.81 Wilton College
$29,849.29
$937,179.10 Wilton College
$29,008.47
$966,187.57 Wilton College

$28,191.33
$27,397.20
$26,625.45
$25,875.44
$25,146.55
$24,438.20
$23,749.80
$23,080.79
$22,430.63
$21,798.78
$21,184.73
$20,587.98
$20,008.03
$19,444.43
$1,296,146.91
$16,093,056.67

$994,378.89
$1,021,776.10
$1,048,401.55
$1,074,276.99
$1,099,423.54
$1,123,861.74
$1,147,611.54
$1,170,692.34
$1,193,122.96
$1,214,921.74
$1,236,106.47
$1,256,694.45
$1,276,702.49
$1,296,146.91

Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton

College
College
College
College
College
College
College
College
College
College
College
College
College
College

Current Job
Annual Salary
Hike rate
Current age
Work
Retirement age
Average tax rate
Health Insurance

65000
3%
28
40
68
26%
0

Discount Rate

6.50%

Wilton
Duration
Annual Tution Fee
Books etc
Expected Job Offer
Bonus
Hike rate
Average tax rate
Health Insurance
Boarding Expenses
Discount Rate

Present Value Calculations

Secnario 1
Year
Salary
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26

Tax
Net Salary
PV
65000.00 16900.00
48100.00
66950.00 17407.00
49543.00
68958.50 17929.21
51029.29
71027.26 18467.09
52560.17
73158.07 19021.10
54136.97
75352.81 19591.73
55761.08
77613.40 20179.48
57433.92
79941.80 20784.87
59156.93
82340.06 21408.41
60931.64
84810.26 22050.67
62759.59
87354.56 22712.19
64642.38
89975.20 23393.55
66581.65
92674.46 24095.36
68579.10
95454.69 24818.22
70636.47
98318.33 25562.77
72755.57
101267.88 26329.65
74938.23
104305.92 27119.54
77186.38
107435.10 27933.12
79501.97
110658.15 28771.12
81887.03
113977.89 29634.25
84343.64
117397.23 30523.28
86873.95
120919.15 31438.98
89480.17
124546.72 32382.15
92164.57
128283.12 33353.61
94929.51
132131.62 34354.22
97777.40
136095.57 35384.85
100710.72

$45,164.32
$43,680.05
$42,244.55
$40,856.23
$39,513.54
$38,214.97
$36,959.08
$35,744.46
$34,569.76
$33,433.67
$32,334.91
$31,272.26
$30,244.53
$29,250.58
$28,289.29
$27,359.60
$26,460.46
$25,590.86
$24,749.85
$23,936.47
$23,149.83
$22,389.04
$21,653.25
$20,941.64
$20,253.42
$19,587.81

27
28
29
30
31
32
33
34
35
36
37
38
39
40
Present Value
Future Value

140178.43
144383.79
148715.30
153176.76
157772.06
162505.22
167380.38
172401.79
177573.84
182901.06
188388.09
194039.73
199860.93
205856.75

36446.39
37539.78
38665.98
39825.96
41020.74
42251.36
43518.90
44824.47
46169.20
47554.28
48980.90
50450.33
51963.84
53522.76

103732.04
106844.00
110049.32
113350.80
116751.32
120253.86
123861.48
127577.32
131404.64
135346.78
139407.19
143589.40
147897.09
152334.00

$18,944.08
$18,321.50
$17,719.39
$17,137.06
$16,573.87
$16,029.19
$15,502.41
$14,992.94
$14,500.22
$14,023.68
$13,562.81
$13,117.08
$12,686.01
$12,269.09
$1,013,223.78
$12,580,261.92

Wilton
2
70000 beginning of year
3000
110000
20000 one time
4%
31%
3000 beginning of year
2000 beginning of year
6.50%

Mount Perry
Duration
Annual Tution Fee
Books etc
Expected Job Offer
Bonus
Hike rate
Average tax rate
Health Insurance
Boarding Expenses
Discount Rate

1
85000
4500
92000
18000
3.50%
29%
3000
2000
6.50%

Wilton College
Expenses / Income
Expenses / Income (Beginning of
Cumulative PV (End of year)
year)
Tax
$45,164.32
-78000.00
$88,844.37
-78000.00
$131,088.92
110000.00
13800.00
$171,945.15
114400.00
$211,458.69
118976.00
$249,673.66
123735.04
$286,632.74
128684.44
$322,377.21
133831.82
$356,946.97
139185.09
$390,380.64
144752.50
$422,715.55
150542.60
$453,987.81
156564.30
$484,232.34
162826.87
$513,482.92
169339.95
$541,772.21
176113.54
$569,131.81
183158.09
$595,592.27
190484.41
$621,183.13
198103.79
$645,932.98
206027.94
$669,869.46
214269.05
$693,019.29
222839.82
$715,408.32
231753.41
$737,061.57
241023.55
$758,003.21
250664.49
$778,256.63
260691.07
$797,844.44
271118.71

34100.00
35464.00
36882.56
38357.86
39892.18
41487.86
43147.38
44873.27
46668.20
48534.93
50476.33
52495.38
54595.20
56779.01
59050.17
61412.17
63868.66
66423.41
69080.34
71843.56
74717.30
77705.99
80814.23
84046.80

$816,788.52
$835,110.02
$852,829.41
$869,966.47
$886,540.34
$902,569.53
$918,071.94
$933,064.88
$947,565.10
$961,588.78
$975,151.59
$988,268.68
$1,000,954.68
$1,013,223.78

281963.46
293242.00
304971.68
317170.54
329857.37
343051.66
356773.73
371044.68
385886.46
401321.92
417374.80
434069.79
451432.58
469489.88

87408.67
90905.02
94541.22
98322.87
102255.78
106346.01
110599.86
115023.85
119624.80
124409.80
129386.19
134561.63
139944.10
145541.86

Highlighted cells have different formulae

than other cells in the column

one time

beginning of year
beginning of year

Wilton College

Net Salary

PV

75900.00
78936.00
82093.44
85377.18
88792.26
92343.96
96037.71
99879.22
103874.39
108029.37
112350.54
116844.56
121518.35
126379.08
131434.24
136691.61
142159.28
147845.65
153759.47
159909.85
166306.25
172958.50
179876.84
187071.91

Cumulative PV
($73,239.44)
($73,239.44)
($68,769.42)
($142,008.86)
$74,258.06
($67,750.80)
$61,358.78
($6,392.02)
$59,918.43
$53,526.41
$58,511.89
$112,038.30
$57,138.37
$169,176.67
$55,797.10
$224,973.77
$54,487.31
$279,461.08
$53,208.26
$332,669.34
$51,959.24
$384,628.58
$50,739.54
$435,368.12
$49,548.47
$484,916.60
$48,385.36
$533,301.96
$47,249.56
$580,551.51
$46,140.41
$626,691.93
$45,057.30
$671,749.23
$43,999.62
$715,748.85
$42,966.77
$758,715.61
$41,958.16
$800,673.77
$40,973.22
$841,646.99
$40,011.41
$881,658.40
$39,072.17
$920,730.58
$38,154.99
$958,885.56
$37,259.33
$996,144.89
$36,384.70
$1,032,529.59

194554.79
202336.98
210430.46
218847.67
227601.58
236705.65
246173.87
256020.83
266261.66
276912.13
287988.61
299508.15
311488.48
323948.02

$35,530.60
$34,696.55
$33,882.07
$33,086.72
$32,310.04
$31,551.58
$30,810.94
$30,087.68
$29,381.39
$28,691.69
$28,018.17
$27,360.47
$26,718.21
$26,091.02
$1,460,746.70
$18,136,739.95

$1,068,060.19
$1,102,756.73
$1,136,638.81
$1,169,725.53
$1,202,035.56
$1,233,587.15
$1,264,398.08
$1,294,485.76
$1,323,867.15
$1,352,558.84
$1,380,577.01
$1,407,937.48
$1,434,655.69
$1,460,746.70

Mount Perry
Expenses /
Income
Expenses / Income (Beginning of
(End of year)
year)
Tax
-85000.00
-9500.00
92000.00
12780.00
95220.00
98552.70
102002.04
105572.12
109267.14
113091.49
117049.69
121146.43
125386.56
129775.09
134317.21
139018.32
143883.96
148919.90
154132.09
159526.72
165110.15
170889.01
176870.12
183060.58
189467.70
196099.06
202962.53
210066.22

Net Salary
26680.00
27613.80
28580.28
29580.59
30615.91
31687.47
32796.53
33944.41
35132.47
36362.10
37634.77
38951.99
40315.31
41726.35
43186.77
44698.31
46262.75
47881.94
49557.81
51292.34
53087.57
54945.63
56868.73
58859.13
60919.20

65320.00
67606.20
69972.42
72421.45
74956.20
77579.67
80294.96
83105.28
86013.97
89024.46
92140.31
95365.22
98703.00
102157.61
105733.13
109433.79
113263.97
117228.21
121331.19
125577.79
129973.01
134522.06
139230.34
144103.40
149147.02

217418.54
225028.19
232904.17
241055.82
249492.77
258225.02
267262.90
276617.10
286298.70
296319.15
306690.32
317424.48
328534.34
340033.04

63051.38
65258.17
67542.21
69906.19
72352.90
74885.26
77506.24
80218.96
83026.62
85932.55
88940.19
92053.10
95274.96
98609.58

154367.16
159770.01
165361.96
171149.63
177139.87
183339.76
189756.66
196398.14
203272.07
210386.60
217750.13
225371.38
233259.38
241423.46

PV

Cumulative PV Best Option

($88,732.39)
($88,732.39) Scenario 1
$68,857.59
($19,874.80) Scenario 1
$55,967.73
$36,092.93 Scenario 1
$54,391.18
$90,484.10 Scenario 1
$52,859.03
$143,343.13 Scenario 1
$51,370.04
$194,713.17 Scenario 1
$49,923.00
$244,636.17 Scenario 1
$48,516.72
$293,152.89 Scenario 1
$47,150.05
$340,302.94 Scenario 1
$45,821.88
$386,124.82 Scenario 1
$44,531.12
$430,655.94 Mount Perry
$43,276.72
$473,932.67 Mount Perry
$42,057.66
$515,990.33 Mount Perry
$40,872.94
$556,863.27 Mount Perry
$39,721.59
$596,584.86 Mount Perry
$38,602.67
$635,187.53 Mount Perry
$37,515.27
$672,702.80 Mount Perry
$36,458.50
$709,161.30 Wilton College
$35,431.50
$744,592.80 Wilton College
$34,433.43
$779,026.24 Wilton College
$33,463.48
$812,489.71 Wilton College
$32,520.84
$845,010.56 Wilton College
$31,604.76
$876,615.32 Wilton College
$30,714.49
$907,329.81 Wilton College
$29,849.29
$937,179.10 Wilton College
$29,008.47
$966,187.57 Wilton College

$28,191.33
$27,397.20
$26,625.45
$25,875.44
$25,146.55
$24,438.20
$23,749.80
$23,080.79
$22,430.63
$21,798.78
$21,184.73
$20,587.98
$20,008.03
$19,444.43
$1,296,146.91
$16,093,056.67

$994,378.89
$1,021,776.10
$1,048,401.55
$1,074,276.99
$1,099,423.54
$1,123,861.74
$1,147,611.54
$1,170,692.34
$1,193,122.96
$1,214,921.74
$1,236,106.47
$1,256,694.45
$1,276,702.49
$1,296,146.91

Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton

College
College
College
College
College
College
College
College
College
College
College
College
College
College

Summarizing PV and FV from tab "Q1 and 3":

Current Job
Wilton
Mount Perry
Present Value $
1,013,223.78 $
1,460,746.70 $
1,296,146.91
Future Value
$ 12,580,261.92 $ 18,136,739.95 $ 16,093,056.67

Current Job
Annual Salary
93709.34
Hike rate
3%
Current age
28
Work
40
Retirement age
68
Average tax rate
26%
Health Insurance
0

Discount Rate

6.50%

Wilton
Duration
Annual Tution Fee
Books etc
Expected Job Offer
Bonus
Hike rate
Average tax rate
Health Insurance
Boarding Expenses
Discount Rate

Present Value Calculations

Secnario 1
Year
Salary
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26

Tax
Net Salary
PV
93709.34 24364.43
69344.91
96520.62 25095.36
71425.26
99416.24 25848.22
73568.02
102398.73 26623.67
75775.06
105470.69 27422.38
78048.31
108634.81 28245.05
80389.76
111893.85 29092.40
82801.45
115250.67 29965.17
85285.49
118708.19 30864.13
87844.06
122269.43 31790.05
90479.38
125937.52 32743.75
93193.76
129715.64 33726.07
95989.58
133607.11 34737.85
98869.26
137615.33 35779.98
101835.34
141743.78 36853.38
104890.40
145996.10 37958.99
108037.11
150375.98 39097.76
111278.23
154887.26 40270.69
114616.57
159533.88 41478.81
118055.07
164319.89 42723.17
121596.72
169249.49 44004.87
125244.62
174326.98 45325.01
129001.96
179556.79 46684.76
132872.02
184943.49 48085.31
136858.18
190491.79 49527.87
140963.93
196206.55 51013.70
145192.85

$65,112.59
$62,972.74
$60,903.22
$58,901.70
$56,965.97
$55,093.84
$53,283.25
$51,532.16
$49,838.61
$48,200.72
$46,616.66
$45,084.66
$43,603.00
$42,170.04
$40,784.17
$39,443.85
$38,147.57
$36,893.89
$35,681.42
$34,508.79
$33,374.70
$32,277.88
$31,217.10
$30,191.19
$29,198.99
$28,239.40

27
28
29
30
31
32
33
34
35
36
37
38
39
40
Present Value
Future Value

202092.74
208155.53
214400.19
220832.20
227457.16
234280.88
241309.31
248548.58
256005.04
263685.19
271595.75
279743.62
288135.93
296780.01

52544.11
54120.44
55744.05
57416.37
59138.86
60913.03
62740.42
64622.63
66561.31
68558.15
70614.89
72733.34
74915.34
77162.80

149548.63
154035.09
158656.14
163415.83
168318.30
173367.85
178568.89
183925.95
189443.73
195127.04
200980.85
207010.28
213220.59
219617.21

$27,311.34
$26,413.79
$25,545.73
$24,706.20
$23,894.26
$23,109.00
$22,349.55
$21,615.06
$20,904.70
$20,217.69
$19,553.26
$18,910.67
$18,289.19
$17,688.14
$1,460,746.64
$18,136,739.10

Wilton
2
70000 beginning of year
3000
110000 per year
20000 one time
4%
31%
3000 beginning of year
2000 beginning of year
6.50%

Mount Perry
Duration
Annual Tution Fee
Books etc
Expected Job Offer
Bonus
Hike rate
Average tax rate
Health Insurance
Boarding Expenses
Discount Rate

1
85000
4500
92000
18000
3.50%
29%
3000
2000
6.50%

Wilton College
Expenses / Income
Expenses / Income (Beginning of
Cumulative PV (End of year)
year)
Tax
$65,112.59
-78000.00
$128,085.34
-78000.00
$188,988.55
110000.00
13800.00
$247,890.25
114400.00
$304,856.22
118976.00
$359,950.06
123735.04
$413,233.31
128684.44
$464,765.47
133831.82
$514,604.08
139185.09
$562,804.80
144752.50
$609,421.46
150542.60
$654,506.12
156564.30
$698,109.12
162826.87
$740,279.16
169339.95
$781,063.33
176113.54
$820,507.17
183158.09
$858,654.74
190484.41
$895,548.64
198103.79
$931,230.05
206027.94
$965,738.84
214269.05
$999,113.54
222839.82
$1,031,391.41
231753.41
$1,062,608.51
241023.55
$1,092,799.70
250664.49
$1,121,998.69
260691.07
$1,150,238.09
271118.71

34100.00
35464.00
36882.56
38357.86
39892.18
41487.86
43147.38
44873.27
46668.20
48534.93
50476.33
52495.38
54595.20
56779.01
59050.17
61412.17
63868.66
66423.41
69080.34
71843.56
74717.30
77705.99
80814.23
84046.80

$1,177,549.43
$1,203,963.21
$1,229,508.94
$1,254,215.14
$1,278,109.39
$1,301,218.39
$1,323,567.94
$1,345,182.99
$1,366,087.69
$1,386,305.39
$1,405,858.65
$1,424,769.31
$1,443,058.50
$1,460,746.64

281963.46
293242.00
304971.68
317170.54
329857.37
343051.66
356773.73
371044.68
385886.46
401321.92
417374.80
434069.79
451432.58
469489.88

87408.67
90905.02
94541.22
98322.87
102255.78
106346.01
110599.86
115023.85
119624.80
124409.80
129386.19
134561.63
139944.10
145541.86

Highlighted cells have different formulae

than other cells in the column

beginning of year
beginning of year

Wilton College

Net Salary

PV

75900.00
78936.00
82093.44
85377.18
88792.26
92343.96
96037.71
99879.22
103874.39
108029.37
112350.54
116844.56
121518.35
126379.08
131434.24
136691.61
142159.28
147845.65
153759.47
159909.85
166306.25
172958.50
179876.84
187071.91

Cumulative PV
($73,239.44)
($73,239.44)
($68,769.42)
($142,008.86)
$74,258.06
($67,750.80)
$61,358.78
($6,392.02)
$59,918.43
$53,526.41
$58,511.89
$112,038.30
$57,138.37
$169,176.67
$55,797.10
$224,973.77
$54,487.31
$279,461.08
$53,208.26
$332,669.34
$51,959.24
$384,628.58
$50,739.54
$435,368.12
$49,548.47
$484,916.60
$48,385.36
$533,301.96
$47,249.56
$580,551.51
$46,140.41
$626,691.93
$45,057.30
$671,749.23
$43,999.62
$715,748.85
$42,966.77
$758,715.61
$41,958.16
$800,673.77
$40,973.22
$841,646.99
$40,011.41
$881,658.40
$39,072.17
$920,730.58
$38,154.99
$958,885.56
$37,259.33
$996,144.89
$36,384.70
$1,032,529.59

194554.79
202336.98
210430.46
218847.67
227601.58
236705.65
246173.87
256020.83
266261.66
276912.13
287988.61
299508.15
311488.48
323948.02

$35,530.60
$34,696.55
$33,882.07
$33,086.72
$32,310.04
$31,551.58
$30,810.94
$30,087.68
$29,381.39
$28,691.69
$28,018.17
$27,360.47
$26,718.21
$26,091.02
$1,460,746.70
$18,136,739.95

$1,068,060.19
$1,102,756.73
$1,136,638.81
$1,169,725.53
$1,202,035.56
$1,233,587.15
$1,264,398.08
$1,294,485.76
$1,323,867.15
$1,352,558.84
$1,380,577.01
$1,407,937.48
$1,434,655.69
$1,460,746.70

Mount Perry
Expenses /
Income
Expenses / Income (Beginning of
(End of year)
year)
Tax
-85000.00
-9500.00
92000.00
12780.00
95220.00
98552.70
102002.04
105572.12
109267.14
113091.49
117049.69
121146.43
125386.56
129775.09
134317.21
139018.32
143883.96
148919.90
154132.09
159526.72
165110.15
170889.01
176870.12
183060.58
189467.70
196099.06
202962.53
210066.22

Net Salary
26680.00
27613.80
28580.28
29580.59
30615.91
31687.47
32796.53
33944.41
35132.47
36362.10
37634.77
38951.99
40315.31
41726.35
43186.77
44698.31
46262.75
47881.94
49557.81
51292.34
53087.57
54945.63
56868.73
58859.13
60919.20

65320.00
67606.20
69972.42
72421.45
74956.20
77579.67
80294.96
83105.28
86013.97
89024.46
92140.31
95365.22
98703.00
102157.61
105733.13
109433.79
113263.97
117228.21
121331.19
125577.79
129973.01
134522.06
139230.34
144103.40
149147.02

217418.54
225028.19
232904.17
241055.82
249492.77
258225.02
267262.90
276617.10
286298.70
296319.15
306690.32
317424.48
328534.34
340033.04

63051.38
65258.17
67542.21
69906.19
72352.90
74885.26
77506.24
80218.96
83026.62
85932.55
88940.19
92053.10
95274.96
98609.58

154367.16
159770.01
165361.96
171149.63
177139.87
183339.76
189756.66
196398.14
203272.07
210386.60
217750.13
225371.38
233259.38
241423.46

PV

Cumulative PV Best Option

($88,732.39)
($88,732.39) Scenario 1
$68,857.59
($19,874.80) Scenario 1
$55,967.73
$36,092.93 Scenario 1
$54,391.18
$90,484.10 Scenario 1
$52,859.03
$143,343.13 Scenario 1
$51,370.04
$194,713.17 Scenario 1
$49,923.00
$244,636.17 Scenario 1
$48,516.72
$293,152.89 Scenario 1
$47,150.05
$340,302.94 Scenario 1
$45,821.88
$386,124.82 Scenario 1
$44,531.12
$430,655.94 Mount Perry
$43,276.72
$473,932.67 Mount Perry
$42,057.66
$515,990.33 Mount Perry
$40,872.94
$556,863.27 Mount Perry
$39,721.59
$596,584.86 Mount Perry
$38,602.67
$635,187.53 Mount Perry
$37,515.27
$672,702.80 Mount Perry
$36,458.50
$709,161.30 Wilton College
$35,431.50
$744,592.80 Wilton College
$34,433.43
$779,026.24 Wilton College
$33,463.48
$812,489.71 Wilton College
$32,520.84
$845,010.56 Wilton College
$31,604.76
$876,615.32 Wilton College
$30,714.49
$907,329.81 Wilton College
$29,849.29
$937,179.10 Wilton College
$29,008.47
$966,187.57 Wilton College

$28,191.33
$27,397.20
$26,625.45
$25,875.44
$25,146.55
$24,438.20
$23,749.80
$23,080.79
$22,430.63
$21,798.78
$21,184.73
$20,587.98
$20,008.03
$19,444.43
$1,296,146.91
$16,093,056.67

$994,378.89
$1,021,776.10
$1,048,401.55
$1,074,276.99
$1,099,423.54
$1,123,861.74
$1,147,611.54
$1,170,692.34
$1,193,122.96
$1,214,921.74
$1,236,106.47
$1,256,694.45
$1,276,702.49
$1,296,146.91

Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton

College
College
College
College
College
College
College
College
College
College
College
College
College
College

Current Job
Annual Salary
Hike rate
Current age
Work
Retirement age
Average tax rate
Health Insurance

65000
3%
28
40
68
26%
0

Discount Rate

6.50%

Wilton
Duration
Annual Tution Fee
Books etc
Expected Job Offer
Bonus
Hike rate
Average tax rate
Health Insurance
Boarding Expenses
Discount Rate

Present Value Calculations

Secnario 1
Year
Salary
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26

Tax
Net Salary
PV
65000.00 16900.00
48100.00
66950.00 17407.00
49543.00
68958.50 17929.21
51029.29
71027.26 18467.09
52560.17
73158.07 19021.10
54136.97
75352.81 19591.73
55761.08
77613.40 20179.48
57433.92
79941.80 20784.87
59156.93
82340.06 21408.41
60931.64
84810.26 22050.67
62759.59
87354.56 22712.19
64642.38
89975.20 23393.55
66581.65
92674.46 24095.36
68579.10
95454.69 24818.22
70636.47
98318.33 25562.77
72755.57
101267.88 26329.65
74938.23
104305.92 27119.54
77186.38
107435.10 27933.12
79501.97
110658.15 28771.12
81887.03
113977.89 29634.25
84343.64
117397.23 30523.28
86873.95
120919.15 31438.98
89480.17
124546.72 32382.15
92164.57
128283.12 33353.61
94929.51
132131.62 34354.22
97777.40
136095.57 35384.85
100710.72

$45,164.32
$43,680.05
$42,244.55
$40,856.23
$39,513.54
$38,214.97
$36,959.08
$35,744.46
$34,569.76
$33,433.67
$32,334.91
$31,272.26
$30,244.53
$29,250.58
$28,289.29
$27,359.60
$26,460.46
$25,590.86
$24,749.85
$23,936.47
$23,149.83
$22,389.04
$21,653.25
$20,941.64
$20,253.42
$19,587.81

27
28
29
30
31
32
33
34
35
36
37
38
39
40
Present Value
Future Value

140178.43
144383.79
148715.30
153176.76
157772.06
162505.22
167380.38
172401.79
177573.84
182901.06
188388.09
194039.73
199860.93
205856.75

36446.39
37539.78
38665.98
39825.96
41020.74
42251.36
43518.90
44824.47
46169.20
47554.28
48980.90
50450.33
51963.84
53522.76

103732.04
106844.00
110049.32
113350.80
116751.32
120253.86
123861.48
127577.32
131404.64
135346.78
139407.19
143589.40
147897.09
152334.00

$18,944.08
$18,321.50
$17,719.39
$17,137.06
$16,573.87
$16,029.19
$15,502.41
$14,992.94
$14,500.22
$14,023.68
$13,562.81
$13,117.08
$12,686.01
$12,269.09
$1,013,223.78
$12,580,261.92

Wilton
2
70000 beginning of year
3000
79065.19 per year
20000 one time
4%
31%
3000 beginning of year
2000 beginning of year
6.50%

Mount Perry
Duration
Annual Tution Fee
Books etc
Expected Job Offer
Bonus
Hike rate
Average tax rate
Health Insurance
Boarding Expenses
Discount Rate

1
85000
4500
92000
18000
3.50%
29%
3000
2000
6.50%

Wilton College
Expenses / Income
Expenses / Income (Beginning of
Cumulative PV (End of year)
year)
Tax
$45,164.32
-78000.00
$88,844.37
-78000.00
$131,088.92
79065.19
13800.00
$171,945.15
82227.80
$211,458.69
85516.91
$249,673.66
88937.59
$286,632.74
92495.09
$322,377.21
96194.89
$356,946.97
100042.69
$390,380.64
104044.40
$422,715.55
108206.17
$453,987.81
112534.42
$484,232.34
117035.80
$513,482.92
121717.23
$541,772.21
126585.92
$569,131.81
131649.35
$595,592.27
136915.33
$621,183.13
142391.94
$645,932.98
148087.62
$669,869.46
154011.12
$693,019.29
160171.57
$715,408.32
166578.43
$737,061.57
173241.57
$758,003.21
180171.23
$778,256.63
187378.08
$797,844.44
194873.20

24510.21
25490.62
26510.24
27570.65
28673.48
29820.42
31013.23
32253.76
33543.91
34885.67
36281.10
37732.34
39241.63
40811.30
42443.75
44141.50
45907.16
47743.45
49653.19
51639.31
53704.89
55853.08
58087.20
60410.69

$816,788.52
$835,110.02
$852,829.41
$869,966.47
$886,540.34
$902,569.53
$918,071.94
$933,064.88
$947,565.10
$961,588.78
$975,151.59
$988,268.68
$1,000,954.68
$1,013,223.78

202668.13
210774.86
219205.85
227974.08
237093.05
246576.77
256439.84
266697.43
277365.33
288459.94
299998.34
311998.28
324478.21
337457.34

62827.12
65340.21
67953.81
70671.97
73498.84
76438.80
79496.35
82676.20
85983.25
89422.58
92999.49
96719.47
100588.24
104611.77

Highlighted cells have different formulae

than other cells in the column

beginning of year
beginning of year

Wilton College

Net Salary

PV

54554.98
56737.18
59006.67
61366.93
63821.61
66374.48
69029.46
71790.63
74662.26
77648.75
80754.70
83984.89
87344.28
90838.05
94471.58
98250.44
102180.46
106267.67
110518.38
114939.12
119536.68
124318.15
129290.87
134462.51

Cumulative PV
($73,239.44)
($73,239.44)
($68,769.42)
($142,008.86)
$56,587.61
($85,421.25)
$44,103.12
($41,318.13)
$43,067.84
$1,749.70
$42,056.85
$43,806.56
$41,069.60
$84,876.16
$40,105.53
$124,981.69
$39,164.08
$164,145.77
$38,244.74
$202,390.51
$37,346.98
$239,737.49
$36,470.29
$276,207.78
$35,614.18
$311,821.95
$34,778.16
$346,600.11
$33,961.77
$380,561.89
$33,164.55
$413,726.44
$32,386.04
$446,112.48
$31,625.80
$477,738.28
$30,883.41
$508,621.69
$30,158.45
$538,780.14
$29,450.51
$568,230.65
$28,759.18
$596,989.83
$28,084.08
$625,073.91
$27,424.83
$652,498.74
$26,781.05
$679,279.79
$26,152.39
$705,432.18

139841.01
145434.65
151252.04
157302.12
163594.20
170137.97
176943.49
184021.23
191382.08
199037.36
206998.86
215278.81
223889.96
232845.56

$25,538.49
$24,938.99
$24,353.57
$23,781.89
$23,223.63
$22,678.47
$22,146.11
$21,626.25
$21,118.59
$20,622.85
$20,138.75
$19,666.01
$19,204.36
$18,753.56
$1,013,223.71
$12,580,261.05

$730,970.67
$755,909.66
$780,263.23
$804,045.12
$827,268.75
$849,947.22
$872,093.33
$893,719.59
$914,838.18
$935,461.03
$955,599.78
$975,265.79
$994,470.15
$1,013,223.71

Mount Perry
Expenses /
Income
Expenses / Income (Beginning of
(End of year)
year)
Tax
-85000.00
-9500.00
92000.00
12780.00
95220.00
98552.70
102002.04
105572.12
109267.14
113091.49
117049.69
121146.43
125386.56
129775.09
134317.21
139018.32
143883.96
148919.90
154132.09
159526.72
165110.15
170889.01
176870.12
183060.58
189467.70
196099.06
202962.53
210066.22

Net Salary
26680.00
27613.80
28580.28
29580.59
30615.91
31687.47
32796.53
33944.41
35132.47
36362.10
37634.77
38951.99
40315.31
41726.35
43186.77
44698.31
46262.75
47881.94
49557.81
51292.34
53087.57
54945.63
56868.73
58859.13
60919.20

65320.00
67606.20
69972.42
72421.45
74956.20
77579.67
80294.96
83105.28
86013.97
89024.46
92140.31
95365.22
98703.00
102157.61
105733.13
109433.79
113263.97
117228.21
121331.19
125577.79
129973.01
134522.06
139230.34
144103.40
149147.02

217418.54
225028.19
232904.17
241055.82
249492.77
258225.02
267262.90
276617.10
286298.70
296319.15
306690.32
317424.48
328534.34
340033.04

63051.38
65258.17
67542.21
69906.19
72352.90
74885.26
77506.24
80218.96
83026.62
85932.55
88940.19
92053.10
95274.96
98609.58

154367.16
159770.01
165361.96
171149.63
177139.87
183339.76
189756.66
196398.14
203272.07
210386.60
217750.13
225371.38
233259.38
241423.46

PV

Cumulative PV Best Option

($88,732.39)
($88,732.39) Scenario 1
$68,857.59
($19,874.80) Scenario 1
$55,967.73
$36,092.93 Scenario 1
$54,391.18
$90,484.10 Scenario 1
$52,859.03
$143,343.13 Scenario 1
$51,370.04
$194,713.17 Scenario 1
$49,923.00
$244,636.17 Scenario 1
$48,516.72
$293,152.89 Scenario 1
$47,150.05
$340,302.94 Scenario 1
$45,821.88
$386,124.82 Scenario 1
$44,531.12
$430,655.94 Mount Perry
$43,276.72
$473,932.67 Mount Perry
$42,057.66
$515,990.33 Mount Perry
$40,872.94
$556,863.27 Mount Perry
$39,721.59
$596,584.86 Mount Perry
$38,602.67
$635,187.53 Mount Perry
$37,515.27
$672,702.80 Mount Perry
$36,458.50
$709,161.30 Wilton College
$35,431.50
$744,592.80 Wilton College
$34,433.43
$779,026.24 Wilton College
$33,463.48
$812,489.71 Wilton College
$32,520.84
$845,010.56 Wilton College
$31,604.76
$876,615.32 Wilton College
$30,714.49
$907,329.81 Wilton College
$29,849.29
$937,179.10 Wilton College
$29,008.47
$966,187.57 Wilton College

$28,191.33
$27,397.20
$26,625.45
$25,875.44
$25,146.55
$24,438.20
$23,749.80
$23,080.79
$22,430.63
$21,798.78
$21,184.73
$20,587.98
$20,008.03
$19,444.43
$1,296,146.91
$16,093,056.67

$994,378.89
$1,021,776.10
$1,048,401.55
$1,074,276.99
$1,099,423.54
$1,123,861.74
$1,147,611.54
$1,170,692.34
$1,193,122.96
$1,214,921.74
$1,236,106.47
$1,256,694.45
$1,276,702.49
$1,296,146.91

Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton
Wilton

College
College
College
College
College
College
College
College
College
College
College
College
College
College

Current Job
Annual Salary
Hike rate
Current age
Work
Retirement age
Average tax rate
Health Insurance

65000
3%
28
40
68
26%
0

Discount Rate

6.50%

Present Value Calculations

Secnario 1
Year
Salary
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25

Tax
65000.00
66950.00
68958.50
71027.26
73158.07
75352.81
77613.40
79941.80
82340.06
84810.26
87354.56
89975.20
92674.46
95454.69
98318.33
101267.88
104305.92
107435.10
110658.15
113977.89
117397.23
120919.15
124546.72
128283.12
132131.62

Net Salary
16900.00
48100.00
17407.00
49543.00
17929.21
51029.29
18467.09
52560.17
19021.10
54136.97
19591.73
55761.08
20179.48
57433.92
20784.87
59156.93
21408.41
60931.64
22050.67
62759.59
22712.19
64642.38
23393.55
66581.65
24095.36
68579.10
24818.22
70636.47
25562.77
72755.57
26329.65
74938.23
27119.54
77186.38
27933.12
79501.97
28771.12
81887.03
29634.25
84343.64
30523.28
86873.95
31438.98
89480.17
32382.15
92164.57
33353.61
94929.51
34354.22
97777.40

26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
Present Value
Future Value

136095.57
140178.43
144383.79
148715.30
153176.76
157772.06
162505.22
167380.38
172401.79
177573.84
182901.06
188388.09
194039.73
199860.93
205856.75

Current Job
Present
Value

35384.85
36446.39
37539.78
38665.98
39825.96
41020.74
42251.36
43518.90
44824.47
46169.20
47554.28
48980.90
50450.33
51963.84
53522.76

Wilton

1,013,223.78 $

100710.72
103732.04
106844.00
110049.32
113350.80
116751.32
120253.86
123861.48
127577.32
131404.64
135346.78
139407.19
143589.40
147897.09
152334.00

Mount Perry

1,444,643.26 $

1,289,099.74

Wilton
Duration
Annual Tution Fee
Books etc
Expected Job Offer
Bonus
Hike rate
Average tax rate
Health Insurance
Boarding Expenses
Discount Rate
Borrowing Rate

2
70000 beginning of year
3000
110000
20000 one time
4%
31%
3000 beginning of year
2000 beginning of year
6.50%
5.40%

Mount Perry
Duration
Annual Tution Fee
Books etc
Expected Job Offer
Bonus
Hike rate
Average tax rate
Health Insurance
Boarding Expenses
Discount Rate
Borrowing Rate

Wilton Colle

PV
$45,164.32
$43,680.05
$42,244.55
$40,856.23
$39,513.54
$38,214.97
$36,959.08
$35,744.46
$34,569.76
$33,433.67
$32,334.91
$31,272.26
$30,244.53
$29,250.58
$28,289.29
$27,359.60
$26,460.46
$25,590.86
$24,749.85
$23,936.47
$23,149.83
$22,389.04
$21,653.25
$20,941.64
$20,253.42

Expenses /
Income (End of Expenses / Income
year)
(Beginning of year) Tax
-78000.00
-78000.00
110000.00
13800.00
114400.00
118976.00
123735.04
128684.44
133831.82
139185.09
144752.50
150542.60
156564.30
162826.87
169339.95
176113.54
183158.09
190484.41
198103.79
206027.94
214269.05
222839.82
231753.41
241023.55
250664.49
260691.07

34100.00
35464.00
36882.56
38357.86
39892.18
41487.86
43147.38
44873.27
46668.20
48534.93
50476.33
52495.38
54595.20
56779.01
59050.17
61412.17
63868.66
66423.41
69080.34
71843.56
74717.30
77705.99
80814.23

$19,587.81
$18,944.08
$18,321.50
$17,719.39
$17,137.06
$16,573.87
$16,029.19
$15,502.41
$14,992.94
$14,500.22
$14,023.68
$13,562.81
$13,117.08
$12,686.01
$12,269.09
$1,013,223.78
$12,580,261.92

271118.71
281963.46
293242.00
304971.68
317170.54
329857.37
343051.66
356773.73
371044.68
385886.46
401321.92
417374.80
434069.79
451432.58
469489.88

84046.80
87408.67
90905.02
94541.22
98322.87
102255.78
106346.01
110599.86
115023.85
119624.80
124409.80
129386.19
134561.63
139944.10
145541.86

Mount Perry
1
85000
4500
92000
18000 one time
3.50%
29%
3000 beginning of year
2000 beginning of year
6.50%
5.40%

Highlighted cells have different formulae

than other cells in the column
Loan Amount
Installment Period (Year
Interest Rate
Installment

156,000
5
5.40%
($31,622.46)

Wilton College

Net Salary

75900.00
78936.00
82093.44
85377.18
88792.26
92343.96
96037.71
99879.22
103874.39
108029.37
112350.54
116844.56
121518.35
126379.08
131434.24
136691.61
142159.28
147845.65
153759.47
159909.85
166306.25
172958.50
179876.84

PV without Loan
$0.00
$0.00
$74,258.06
$61,358.78
$59,918.43
$58,511.89
$57,138.37
$55,797.10
$54,487.31
$53,208.26
$51,959.24
$50,739.54
$49,548.47
$48,385.36
$47,249.56
$46,140.41
$45,057.30
$43,999.62
$42,966.77
$41,958.16
$40,973.22
$40,011.41
$39,072.17
$38,154.99
$37,259.33

Loan EMI per

Annum
(Compounded
annually)

($31,622.46)
($31,622.46)
($31,622.46)
($31,622.46)
($31,622.46)

Net PV
$0.00
$0.00
$42,635.60
$29,736.31
$28,295.97
$26,889.43
$25,515.91
$55,797.10
$54,487.31
$53,208.26
$51,959.24
$50,739.54
$49,548.47
$48,385.36
$47,249.56
$46,140.41
$45,057.30
$43,999.62
$42,966.77
$41,958.16
$40,973.22
$40,011.41
$39,072.17
$38,154.99
$37,259.33

187071.91
194554.79
202336.98
210430.46
218847.67
227601.58
236705.65
246173.87
256020.83
266261.66
276912.13
287988.61
299508.15
311488.48
323948.02

$36,384.70
$35,530.60
$34,696.55
$33,882.07
$33,086.72
$32,310.04
$31,551.58
$30,810.94
$30,087.68
$29,381.39
$28,691.69
$28,018.17
$27,360.47
$26,718.21
$26,091.02
$1,602,755.56
$19,899,932.55

$36,384.70
$35,530.60
$34,696.55
$33,882.07
$33,086.72
$32,310.04
$31,551.58
$30,810.94
$30,087.68
$29,381.39
$28,691.69
$28,018.17
$27,360.47
$26,718.21
$26,091.02
$1,444,643.26
$17,936,798.40

Loan Amount
Installment Period (Yea
Interest Rate
Installment

94,500
5
5.40%
($19,155.91)

Mount Perry

Expenses / Income Expenses / Income

(End of year)
(Beginning of year) Tax
-85000.00
-9500.00
92000.00
12780.00
95220.00
98552.70
102002.04
105572.12
109267.14
113091.49
117049.69
121146.43
125386.56
129775.09
134317.21
139018.32
143883.96
148919.90
154132.09
159526.72
165110.15
170889.01
176870.12
183060.58
189467.70
196099.06
202962.53

Net Salary
26680.00
27613.80
28580.28
29580.59
30615.91
31687.47
32796.53
33944.41
35132.47
36362.10
37634.77
38951.99
40315.31
41726.35
43186.77
44698.31
46262.75
47881.94
49557.81
51292.34
53087.57
54945.63
56868.73
58859.13

65320.00
67606.20
69972.42
72421.45
74956.20
77579.67
80294.96
83105.28
86013.97
89024.46
92140.31
95365.22
98703.00
102157.61
105733.13
109433.79
113263.97
117228.21
121331.19
125577.79
129973.01
134522.06
139230.34
144103.40

210066.22
217418.54
225028.19
232904.17
241055.82
249492.77
258225.02
267262.90
276617.10
286298.70
296319.15
306690.32
317424.48
328534.34
340033.04

60919.20
63051.38
65258.17
67542.21
69906.19
72352.90
74885.26
77506.24
80218.96
83026.62
85932.55
88940.19
92053.10
95274.96
98609.58

149147.02
154367.16
159770.01
165361.96
171149.63
177139.87
183339.76
189756.66
196398.14
203272.07
210386.60
217750.13
225371.38
233259.38
241423.46

erry
Loan EMI per
Annum
(Compounded
PV without Loan annually)
Net PV
$0.00
$68,857.59
($19,155.91)
$49,701.68
$55,967.73
($19,155.91)
$36,811.82
$54,391.18
($19,155.91)
$35,235.26
$52,859.03
($19,155.91)
$33,703.12
$51,370.04
($19,155.91)
$32,214.13
$49,923.00
$49,923.00
$48,516.72
$48,516.72
$47,150.05
$47,150.05
$45,821.88
$45,821.88
$44,531.12
$44,531.12
$43,276.72
$43,276.72
$42,057.66
$42,057.66
$40,872.94
$40,872.94
$39,721.59
$39,721.59
$38,602.67
$38,602.67
$37,515.27
$37,515.27
$36,458.50
$36,458.50
$35,431.50
$35,431.50
$34,433.43
$34,433.43
$33,463.48
$33,463.48
$32,520.84
$32,520.84
$31,604.76
$31,604.76
$30,714.49
$30,714.49
$29,849.29
$29,849.29

$29,008.47
$28,191.33
$27,397.20
$26,625.45
$25,875.44
$25,146.55
$24,438.20
$23,749.80
$23,080.79
$22,430.63
$21,798.78
$21,184.73
$20,587.98
$20,008.03
$19,444.43
$1,384,879.31
$17,194,764.69

$29,008.47
$28,191.33
$27,397.20
$26,625.45
$25,875.44
$25,146.55
$24,438.20
$23,749.80
$23,080.79
$22,430.63
$21,798.78
$21,184.73
$20,587.98
$20,008.03
$19,444.43
$1,289,099.74
$16,005,558.43