{"text_format":"1","workbook":"xlsx","n_sheets":7,"sheets":["Intro","General","Help","Quote","FV","Term","Calcs"],"not_rendered":{"charts":0,"images":16,"macros":1,"external_links":0,"defined_names":24,"comments":4,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"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":"Intro","index":0,"n_rows":17,"n_cols":3,"rows_kept":17,"cut":false,"hidden":false,"merged":[[2,2,2,10]]}
[]
[]
[null,null,"Capital and income"]
[]
[null,null,"This calculator is part of Momentum's ongoing support to brokers. Due to the circumstances under which it"]
[null,null,"will be used, it can never constitute financial advice on Momentum's part to you in a client/adviser relationship."]
[]
[null,null,"Any financial planning is a specialised exercise for which we recommend the advice of a Momentum accredited"]
[null,null,"financial adviser."]
[]
[null,null,"This analysis tool may be used only on condition that the user verifies and endorses its contents as accurate."]
[]
[null,null,"Every care has been taken to ensure accuracy and legal correctness, but this is not guaranteed."]
[]
[null,null,"Copyright on this material exists and it may not be copied or duplicated in any manner."]
[null,null,"Please note that several calculations are based on unique features of Momentum products only."]
[null,null,"The results may be invalid  if applied to products of other insurers."]

{"sheet":"General","index":1,"n_rows":11,"n_cols":4,"rows_kept":11,"cut":false,"hidden":false,"merged":[[5,2,5,7]]}
[]
[]
[]
[]
[]
[null,null,"Capital and income"]
[]
[]
[null,null,"My current age",30]
[]
[null,null,"Consumer Price Index",{"$f":"Calcs!C140","v":0.06}]

{"sheet":"Help","index":2,"n_rows":13,"n_cols":3,"rows_kept":13,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[]
[]
[null,null,"Help"]
[]
[null,null,"For further enquiries that you cannot resolve here, please contact:"]
[]
[null,null,"Ben Fraser"]
[null,null,"012 673 7823"]
[null,null,"082 807 5084"]
[null,null,"bfraser@momentum.co.za"]

{"sheet":"Quote","index":3,"n_rows":44,"n_cols":7,"rows_kept":44,"cut":false,"hidden":false,"merged":[[5,2,5,6],[7,2,7,6],[24,2,24,6],[37,2,37,6]]}
[]
[]
[]
[]
[]
[null,null,"Capital and income"]
[]
[null,null,"My future needs and my existing provisions"]
[]
[null,null," Contribution to age",60,{"$f":"IF(D10<General!D9+1,\" No time to contribute!!\",\"\")","v":""}]
[]
[null,null," Income required to age",85,{"$f":"IF(D12>100,\" Calculation to age 100 only\",\"\")","v":""}]
[]
[null,null," Monthly income required",1]
[]
[null,null," Income escalation pa",0.06]
[]
[null,null," Single contribution",0]
[]
[null,null," Other exiting capital",0,"growing at",0," per year"]
[]
[null,null," Other exiting capital",0,"growing at",0," Per year"]
[]
[]
[null,null,"Assumptions"]
[]
[null,null," Growth on savings",0.1]
[]
[null,null," Return on capital balance",0.1]
[]
[null,null," Contribution interval","Monthly"]
[]
[null,null," Annual increase of savings level",0.05]
[]
[null,null," Consumer price index",{"$f":"Calcs!C140","v":0.06}]
[]
[]
[null,null,"Result"]
[]
[null,null," Contribution required",{"$f":"Calcs!C18","v":0.36},{"$f":"IF(Calcs!C3=Calcs!B3,\" per month\",\"per year\")","v":" per month"}]
[]
[null,null," Capital available (FV)",{"$f":"Calcs!E28","v":1194.7545901653416}]
[]
[null,null," Capitalised income (FV)",{"$f":"SUM(Calcs!F33:F113)","v":4077.1699433732433}]

{"sheet":"FV","index":4,"n_rows":40,"n_cols":4,"rows_kept":40,"cut":false,"hidden":false,"merged":[[5,2,5,7]]}
[]
[]
[]
[]
[]
[null,null,"Quick financial calculation"]
[]
[]
[null,null,"This is not an official quotation from Momentum and it does not comply to legislation"]
[]
[null,null,"Maturity value of a given contribution"]
[]
[null,null," Recurring monthly contribution",0]
[]
[null,null," Annual increase of savings level",0.05]
[]
[null,null," Single contribution",0]
[]
[null,null," Investment term",5]
[]
[null,null," Portfolio growth",0.1]
[]
[null,null,"Maturity value",{"$f":"Calcs!C117","v":0}]
[]
[]
[null,null,"Contribution required to achieve a given maturity value"]
[]
[null,null," Maturity value required",0]
[]
[null,null," Annual increase of savings level",0.05]
[]
[null,null," Single contribution",0]
[]
[null,null," Investment term",5]
[]
[null,null," Portfolio growth",0.1]
[]
[null,null,"Recurring contribution",{"$f":"Calcs!C240","v":0}]
[]
[null,null,"Capital sum created",{"$f":"Calcs!C236","v":0}]

{"sheet":"Term","index":5,"n_rows":47,"n_cols":7,"rows_kept":47,"cut":false,"hidden":false,"merged":[[47,2,47,7],[5,2,5,7],[8,2,8,7],[19,2,19,7],[36,2,36,7],[45,2,45,7],[46,2,46,7],[43,2,43,7]]}
[]
[]
[]
[]
[]
[null,null,"Income term and capital required"]
[]
[]
[null,null,"Income need"]
[]
[null,null," Monthly income required",1]
[]
[null,null," First income taken at age",60,{"$f":"IF(D13>General!D9,\"\",\" There is no time to build capital …\")","v":""}]
[]
[null,null," Income escalation per year",0.06]
[]
[null,null," Consumer price index",{"$f":"Calcs!C140","v":0.06}]
[]
[]
[null,null,"Existing and new provisions *"]
[]
[null,null," Existing capital valued at",0,"and growing at",0," per year"]
[]
[null,null," Existing capital valued at",0,"and growing at",0," per year"]
[]
[null,null," Recurring monthly contribution",0]
[]
[null,null," Annual increase of savings level",0.05]
[]
[null,null," Single contribution",0]
[]
[null,null," Growth rate of savings portfolio",0.1]
[]
[null,null," Return on capital",0.1]
[]
[]
[null,null,"Result"]
[]
[null,null," Capital base that you created",{"$f":"Calcs!C129+Calcs!G129+Calcs!K129","v":0}]
[]
[null,null," Income generated to year-end of age",{"$f":"Calcs!J145","v":0}]
[]
[]
[null,null,"Notes"]
[]
[null,null,"You will stop making recurring contributions when you start drawing an income from this capital."]
[null,null,"* This is the total of all existing and new investments that is needed to provide income for the given term."]

{"sheet":"Calcs","index":6,"n_rows":245,"n_cols":12,"rows_kept":245,"cut":false,"hidden":true,"merged":[]}
[]
[null,"Instalment frequency"]
[null,"Monthly",{"$f":"Quote!D31","v":"Monthly"}]
[null,"Annually"]
[]
[null,"CPI",600]
[null,null,{"$f":"C6/10000","v":0.06}]
[]
[null,"BIA Illustration rate",0.05]
[null,null,0.1]
[]
[]
[]
[null,"Future Value = ",{"$f":"C18*(1+C20)^C16*((1-((1+C21)^-12))/(C21/(1+C21)))*((1-((1+C23)^-C16))/(C23/(1+C23)))+(C17*(1+C20)^C16)","v":1194.7545901653416},null,null,"Future Value = ",{"$f":"G18*(1+G20)^G16*((1-((1+G21)^-12))/(G21/(1+G21)))*((1-((1+G23)^-G16))/(G23/(1+G23)))+(G17*(1+G20)^G16)","v":0},null,null,"Future Value = ",{"$f":"K18*(1+K20)^K16*((1-((1+K21)^-12))/(K21/(1+K21)))*((1-((1+K23)^-K16))/(K23/(1+K23)))+(K17*(1+K20)^K16)","v":0}]
[]
[null,"Term (years)",{"$f":"Quote!D10-General!D9","v":30},"n",null,"Term (years)",{"$f":"Quote!D10-General!D9","v":30},"n",null,"Term (years)",{"$f":"Quote!D10-General!D9","v":30},"n"]
[null,"Single Premium / Present Value",{"$f":"Quote!D18","v":0},"S",null,"Single Premium / Present Value",{"$f":"Quote!D20","v":0},"S",null,"Single Premium / Present Value",{"$f":"Quote!D22","v":0},"S"]
[null,"Recurring Premium",0.36,"P",null,"Recurring Premium",0,"P",null,"Recurring Premium",0,"P"]
[null,"Premium Escalation",{"$f":"Quote!D33","v":0.05},"e",null,"Premium Escalation",0,"e",null,"Premium Escalation",0,"e"]
[null,"Portfolio Growth (annual)",{"$f":"Quote!D27+0.0000000001","v":0.1000000001},"i",null,"Portfolio Growth (annual)",{"$f":"Quote!F20+0.0000000001","v":1E-10},"i",null,"Portfolio Growth (annual)",{"$f":"Quote!F22+0.0000000001","v":1E-10},"i"]
[null,"Portfolio Growth (monthly)",{"$f":"((1+C20)^(1/12))-1","v":7.9741404365398783E-3},"m",null,"Portfolio Growth (monthly)",{"$f":"((1+G20)^(1/12))-1","v":8.333334022836425E-12},"m",null,"Portfolio Growth (monthly)",{"$f":"((1+K20)^(1/12))-1","v":8.333334022836425E-12},"m"]
[]
[null,"J =",{"$f":"((1+(C20+0.0000000001))/(1+C19))-1","v":4.7619047809523973E-2},"J",null,"J =",{"$f":"((1+(G20+0.0000000001))/(1+G19))-1","v":2.000000165480742E-10},"J",null,"J =",{"$f":"((1+(K20+0.0000000001))/(1+K19))-1","v":2.000000165480742E-10},"J"]
[]
[]
[null,"Term","Age","Income","Capital","Income","Capital","Capital","Capital","Target "]
[null,"(years)",{"$f":"General!D9","v":30},"required","begin","required","after income","growth","year end","capital in last"]
[null,null,null,"CPI",{"$f":"C14+G14+K14","v":1194.7545901653416},"first retirement year",null,{"$f":"Quote!D29","v":0.1},null,"income year"]
[null,null,null,{"$f":"Calcs!C140","v":0.06},null,{"$f":"Quote!D10","v":60},null,null,null,{"$f":"SUM(J33:J113)","v":272.83784373049508}]
[null,null,null,{"$f":"Quote!D14","v":1},null,{"$f":"MAX(D33:D113)*12","v":68.921894074959113}]
[null,null,null,null,null,{"$f":"SUM(F33:F113)","v":4077.1699433732433}]
[]
[null,1,{"$f":"C27","v":30},{"$f":"IF(Quote!D10=Calcs!C33,Calcs!D30,0)","v":0},{"$f":"IF(C33=F29,E28,0)","v":0},{"$f":"IF(F29=C33,F30,0)","v":0},{"$f":"E33-F33","v":0},{"$f":"G33*$H$28","v":0},{"$f":"G33+H33","v":0},{"$f":"IF(C33=Quote!$D$12,I33,0)","v":0}]
[null,2,{"$f":"C33+1","v":31},{"$f":"IF(Quote!$D$10=Calcs!C34,Calcs!$D$30*(1+Calcs!$D$29)^B33,0)","v":0},{"$f":"IF(C34>Quote!$D$12,0,IF(C34=$F$29,$E$28,I33))","v":0},{"$f":"IF(C34>Quote!$D$12,0,IF(F33>0,F33*(1+Quote!$D$16),IF($F$29=C34,$F$30,0)))","v":0},{"$f":"E34-F34","v":0},{"$f":"G34*$H$28","v":0},{"$f":"G34+H34","v":0},{"$f":"IF(C34=Quote!$D$12,I34,0)","v":0}]
[null,3,{"$f":"C34+1","v":32},{"$f":"IF(Quote!$D$10=Calcs!C35,Calcs!$D$30*(1+Calcs!$D$29)^B34,0)","v":0},{"$f":"IF(C35>Quote!$D$12,0,IF(C35=$F$29,$E$28,I34))","v":0},{"$f":"IF(C35>Quote!$D$12,0,IF(F34>0,F34*(1+Quote!$D$16),IF($F$29=C35,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C35=Quote!$D$12,I35,0)","v":0}]
[null,4,33,{"$f":"IF(Quote!$D$10=Calcs!C36,Calcs!$D$30*(1+Calcs!$D$29)^B35,0)","v":0},{"$f":"IF(C36>Quote!$D$12,0,IF(C36=$F$29,$E$28,I35))","v":0},{"$f":"IF(C36>Quote!$D$12,0,IF(F35>0,F35*(1+Quote!$D$16),IF($F$29=C36,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C36=Quote!$D$12,I36,0)","v":0}]
[null,5,34,{"$f":"IF(Quote!$D$10=Calcs!C37,Calcs!$D$30*(1+Calcs!$D$29)^B36,0)","v":0},{"$f":"IF(C37>Quote!$D$12,0,IF(C37=$F$29,$E$28,I36))","v":0},{"$f":"IF(C37>Quote!$D$12,0,IF(F36>0,F36*(1+Quote!$D$16),IF($F$29=C37,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C37=Quote!$D$12,I37,0)","v":0}]
[null,6,35,{"$f":"IF(Quote!$D$10=Calcs!C38,Calcs!$D$30*(1+Calcs!$D$29)^B37,0)","v":0},{"$f":"IF(C38>Quote!$D$12,0,IF(C38=$F$29,$E$28,I37))","v":0},{"$f":"IF(C38>Quote!$D$12,0,IF(F37>0,F37*(1+Quote!$D$16),IF($F$29=C38,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C38=Quote!$D$12,I38,0)","v":0}]
[null,7,36,{"$f":"IF(Quote!$D$10=Calcs!C39,Calcs!$D$30*(1+Calcs!$D$29)^B38,0)","v":0},{"$f":"IF(C39>Quote!$D$12,0,IF(C39=$F$29,$E$28,I38))","v":0},{"$f":"IF(C39>Quote!$D$12,0,IF(F38>0,F38*(1+Quote!$D$16),IF($F$29=C39,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C39=Quote!$D$12,I39,0)","v":0}]
[null,8,37,{"$f":"IF(Quote!$D$10=Calcs!C40,Calcs!$D$30*(1+Calcs!$D$29)^B39,0)","v":0},{"$f":"IF(C40>Quote!$D$12,0,IF(C40=$F$29,$E$28,I39))","v":0},{"$f":"IF(C40>Quote!$D$12,0,IF(F39>0,F39*(1+Quote!$D$16),IF($F$29=C40,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C40=Quote!$D$12,I40,0)","v":0}]
[null,9,38,{"$f":"IF(Quote!$D$10=Calcs!C41,Calcs!$D$30*(1+Calcs!$D$29)^B40,0)","v":0},{"$f":"IF(C41>Quote!$D$12,0,IF(C41=$F$29,$E$28,I40))","v":0},{"$f":"IF(C41>Quote!$D$12,0,IF(F40>0,F40*(1+Quote!$D$16),IF($F$29=C41,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C41=Quote!$D$12,I41,0)","v":0}]
[null,10,39,{"$f":"IF(Quote!$D$10=Calcs!C42,Calcs!$D$30*(1+Calcs!$D$29)^B41,0)","v":0},{"$f":"IF(C42>Quote!$D$12,0,IF(C42=$F$29,$E$28,I41))","v":0},{"$f":"IF(C42>Quote!$D$12,0,IF(F41>0,F41*(1+Quote!$D$16),IF($F$29=C42,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C42=Quote!$D$12,I42,0)","v":0}]
[null,11,40,{"$f":"IF(Quote!$D$10=Calcs!C43,Calcs!$D$30*(1+Calcs!$D$29)^B42,0)","v":0},{"$f":"IF(C43>Quote!$D$12,0,IF(C43=$F$29,$E$28,I42))","v":0},{"$f":"IF(C43>Quote!$D$12,0,IF(F42>0,F42*(1+Quote!$D$16),IF($F$29=C43,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C43=Quote!$D$12,I43,0)","v":0}]
[null,12,41,{"$f":"IF(Quote!$D$10=Calcs!C44,Calcs!$D$30*(1+Calcs!$D$29)^B43,0)","v":0},{"$f":"IF(C44>Quote!$D$12,0,IF(C44=$F$29,$E$28,I43))","v":0},{"$f":"IF(C44>Quote!$D$12,0,IF(F43>0,F43*(1+Quote!$D$16),IF($F$29=C44,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C44=Quote!$D$12,I44,0)","v":0}]
[null,13,42,{"$f":"IF(Quote!$D$10=Calcs!C45,Calcs!$D$30*(1+Calcs!$D$29)^B44,0)","v":0},{"$f":"IF(C45>Quote!$D$12,0,IF(C45=$F$29,$E$28,I44))","v":0},{"$f":"IF(C45>Quote!$D$12,0,IF(F44>0,F44*(1+Quote!$D$16),IF($F$29=C45,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C45=Quote!$D$12,I45,0)","v":0}]
[null,14,43,{"$f":"IF(Quote!$D$10=Calcs!C46,Calcs!$D$30*(1+Calcs!$D$29)^B45,0)","v":0},{"$f":"IF(C46>Quote!$D$12,0,IF(C46=$F$29,$E$28,I45))","v":0},{"$f":"IF(C46>Quote!$D$12,0,IF(F45>0,F45*(1+Quote!$D$16),IF($F$29=C46,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C46=Quote!$D$12,I46,0)","v":0}]
[null,15,44,{"$f":"IF(Quote!$D$10=Calcs!C47,Calcs!$D$30*(1+Calcs!$D$29)^B46,0)","v":0},{"$f":"IF(C47>Quote!$D$12,0,IF(C47=$F$29,$E$28,I46))","v":0},{"$f":"IF(C47>Quote!$D$12,0,IF(F46>0,F46*(1+Quote!$D$16),IF($F$29=C47,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C47=Quote!$D$12,I47,0)","v":0}]
[null,16,45,{"$f":"IF(Quote!$D$10=Calcs!C48,Calcs!$D$30*(1+Calcs!$D$29)^B47,0)","v":0},{"$f":"IF(C48>Quote!$D$12,0,IF(C48=$F$29,$E$28,I47))","v":0},{"$f":"IF(C48>Quote!$D$12,0,IF(F47>0,F47*(1+Quote!$D$16),IF($F$29=C48,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C48=Quote!$D$12,I48,0)","v":0}]
[null,17,46,{"$f":"IF(Quote!$D$10=Calcs!C49,Calcs!$D$30*(1+Calcs!$D$29)^B48,0)","v":0},{"$f":"IF(C49>Quote!$D$12,0,IF(C49=$F$29,$E$28,I48))","v":0},{"$f":"IF(C49>Quote!$D$12,0,IF(F48>0,F48*(1+Quote!$D$16),IF($F$29=C49,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C49=Quote!$D$12,I49,0)","v":0}]
[null,18,47,{"$f":"IF(Quote!$D$10=Calcs!C50,Calcs!$D$30*(1+Calcs!$D$29)^B49,0)","v":0},{"$f":"IF(C50>Quote!$D$12,0,IF(C50=$F$29,$E$28,I49))","v":0},{"$f":"IF(C50>Quote!$D$12,0,IF(F49>0,F49*(1+Quote!$D$16),IF($F$29=C50,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C50=Quote!$D$12,I50,0)","v":0}]
[null,19,48,{"$f":"IF(Quote!$D$10=Calcs!C51,Calcs!$D$30*(1+Calcs!$D$29)^B50,0)","v":0},{"$f":"IF(C51>Quote!$D$12,0,IF(C51=$F$29,$E$28,I50))","v":0},{"$f":"IF(C51>Quote!$D$12,0,IF(F50>0,F50*(1+Quote!$D$16),IF($F$29=C51,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C51=Quote!$D$12,I51,0)","v":0}]
[null,20,49,{"$f":"IF(Quote!$D$10=Calcs!C52,Calcs!$D$30*(1+Calcs!$D$29)^B51,0)","v":0},{"$f":"IF(C52>Quote!$D$12,0,IF(C52=$F$29,$E$28,I51))","v":0},{"$f":"IF(C52>Quote!$D$12,0,IF(F51>0,F51*(1+Quote!$D$16),IF($F$29=C52,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C52=Quote!$D$12,I52,0)","v":0}]
[null,21,50,{"$f":"IF(Quote!$D$10=Calcs!C53,Calcs!$D$30*(1+Calcs!$D$29)^B52,0)","v":0},{"$f":"IF(C53>Quote!$D$12,0,IF(C53=$F$29,$E$28,I52))","v":0},{"$f":"IF(C53>Quote!$D$12,0,IF(F52>0,F52*(1+Quote!$D$16),IF($F$29=C53,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C53=Quote!$D$12,I53,0)","v":0}]
[null,22,51,{"$f":"IF(Quote!$D$10=Calcs!C54,Calcs!$D$30*(1+Calcs!$D$29)^B53,0)","v":0},{"$f":"IF(C54>Quote!$D$12,0,IF(C54=$F$29,$E$28,I53))","v":0},{"$f":"IF(C54>Quote!$D$12,0,IF(F53>0,F53*(1+Quote!$D$16),IF($F$29=C54,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C54=Quote!$D$12,I54,0)","v":0}]
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[null,65,94,{"$f":"IF(Quote!$D$10=Calcs!C97,Calcs!$D$30*(1+Calcs!$D$29)^B96,0)","v":0},{"$f":"IF(C97>Quote!$D$12,0,IF(C97=$F$29,$E$28,I96))","v":0},{"$f":"IF(C97>Quote!$D$12,0,IF(F96>0,F96*(1+Quote!$D$16),IF($F$29=C97,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C97=Quote!$D$12,I97,0)","v":0}]
[null,66,95,{"$f":"IF(Quote!$D$10=Calcs!C98,Calcs!$D$30*(1+Calcs!$D$29)^B97,0)","v":0},{"$f":"IF(C98>Quote!$D$12,0,IF(C98=$F$29,$E$28,I97))","v":0},{"$f":"IF(C98>Quote!$D$12,0,IF(F97>0,F97*(1+Quote!$D$16),IF($F$29=C98,$F$30,0)))","v":0},{"$f":"E98-F98","v":0},{"$f":"G98*$H$28","v":0},{"$f":"G98+H98","v":0},{"$f":"IF(C98=Quote!$D$12,I98,0)","v":0}]
[null,67,{"$f":"C98+1","v":96},{"$f":"IF(Quote!$D$10=Calcs!C99,Calcs!$D$30*(1+Calcs!$D$29)^B98,0)","v":0},{"$f":"IF(C99>Quote!$D$12,0,IF(C99=$F$29,$E$28,I98))","v":0},{"$f":"IF(C99>Quote!$D$12,0,IF(F98>0,F98*(1+Quote!$D$16),IF($F$29=C99,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C99=Quote!$D$12,I99,0)","v":0}]
[null,68,97,{"$f":"IF(Quote!$D$10=Calcs!C100,Calcs!$D$30*(1+Calcs!$D$29)^B99,0)","v":0},{"$f":"IF(C100>Quote!$D$12,0,IF(C100=$F$29,$E$28,I99))","v":0},{"$f":"IF(C100>Quote!$D$12,0,IF(F99>0,F99*(1+Quote!$D$16),IF($F$29=C100,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C100=Quote!$D$12,I100,0)","v":0}]
[null,69,98,{"$f":"IF(Quote!$D$10=Calcs!C101,Calcs!$D$30*(1+Calcs!$D$29)^B100,0)","v":0},{"$f":"IF(C101>Quote!$D$12,0,IF(C101=$F$29,$E$28,I100))","v":0},{"$f":"IF(C101>Quote!$D$12,0,IF(F100>0,F100*(1+Quote!$D$16),IF($F$29=C101,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C101=Quote!$D$12,I101,0)","v":0}]
[null,70,99,{"$f":"IF(Quote!$D$10=Calcs!C102,Calcs!$D$30*(1+Calcs!$D$29)^B101,0)","v":0},{"$f":"IF(C102>Quote!$D$12,0,IF(C102=$F$29,$E$28,I101))","v":0},{"$f":"IF(C102>Quote!$D$12,0,IF(F101>0,F101*(1+Quote!$D$16),IF($F$29=C102,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C102=Quote!$D$12,I102,0)","v":0}]
[null,71,100,{"$f":"IF(Quote!$D$10=Calcs!C103,Calcs!$D$30*(1+Calcs!$D$29)^B102,0)","v":0},{"$f":"IF(C103>Quote!$D$12,0,IF(C103=$F$29,$E$28,I102))","v":0},{"$f":"IF(C103>Quote!$D$12,0,IF(F102>0,F102*(1+Quote!$D$16),IF($F$29=C103,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C103=Quote!$D$12,I103,0)","v":0}]
[null,72,101,{"$f":"IF(Quote!$D$10=Calcs!C104,Calcs!$D$30*(1+Calcs!$D$29)^B103,0)","v":0},{"$f":"IF(C104>Quote!$D$12,0,IF(C104=$F$29,$E$28,I103))","v":0},{"$f":"IF(C104>Quote!$D$12,0,IF(F103>0,F103*(1+Quote!$D$16),IF($F$29=C104,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C104=Quote!$D$12,I104,0)","v":0}]
[null,73,102,{"$f":"IF(Quote!$D$10=Calcs!C105,Calcs!$D$30*(1+Calcs!$D$29)^B104,0)","v":0},{"$f":"IF(C105>Quote!$D$12,0,IF(C105=$F$29,$E$28,I104))","v":0},{"$f":"IF(C105>Quote!$D$12,0,IF(F104>0,F104*(1+Quote!$D$16),IF($F$29=C105,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C105=Quote!$D$12,I105,0)","v":0}]
[null,74,103,{"$f":"IF(Quote!$D$10=Calcs!C106,Calcs!$D$30*(1+Calcs!$D$29)^B105,0)","v":0},{"$f":"IF(C106>Quote!$D$12,0,IF(C106=$F$29,$E$28,I105))","v":0},{"$f":"IF(C106>Quote!$D$12,0,IF(F105>0,F105*(1+Quote!$D$16),IF($F$29=C106,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C106=Quote!$D$12,I106,0)","v":0}]
[null,75,104,{"$f":"IF(Quote!$D$10=Calcs!C107,Calcs!$D$30*(1+Calcs!$D$29)^B106,0)","v":0},{"$f":"IF(C107>Quote!$D$12,0,IF(C107=$F$29,$E$28,I106))","v":0},{"$f":"IF(C107>Quote!$D$12,0,IF(F106>0,F106*(1+Quote!$D$16),IF($F$29=C107,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C107=Quote!$D$12,I107,0)","v":0}]
[null,76,105,{"$f":"IF(Quote!$D$10=Calcs!C108,Calcs!$D$30*(1+Calcs!$D$29)^B107,0)","v":0},{"$f":"IF(C108>Quote!$D$12,0,IF(C108=$F$29,$E$28,I107))","v":0},{"$f":"IF(C108>Quote!$D$12,0,IF(F107>0,F107*(1+Quote!$D$16),IF($F$29=C108,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C108=Quote!$D$12,I108,0)","v":0}]
[null,77,106,{"$f":"IF(Quote!$D$10=Calcs!C109,Calcs!$D$30*(1+Calcs!$D$29)^B108,0)","v":0},{"$f":"IF(C109>Quote!$D$12,0,IF(C109=$F$29,$E$28,I108))","v":0},{"$f":"IF(C109>Quote!$D$12,0,IF(F108>0,F108*(1+Quote!$D$16),IF($F$29=C109,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C109=Quote!$D$12,I109,0)","v":0}]
[null,78,107,{"$f":"IF(Quote!$D$10=Calcs!C110,Calcs!$D$30*(1+Calcs!$D$29)^B109,0)","v":0},{"$f":"IF(C110>Quote!$D$12,0,IF(C110=$F$29,$E$28,I109))","v":0},{"$f":"IF(C110>Quote!$D$12,0,IF(F109>0,F109*(1+Quote!$D$16),IF($F$29=C110,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C110=Quote!$D$12,I110,0)","v":0}]
[null,79,108,{"$f":"IF(Quote!$D$10=Calcs!C111,Calcs!$D$30*(1+Calcs!$D$29)^B110,0)","v":0},{"$f":"IF(C111>Quote!$D$12,0,IF(C111=$F$29,$E$28,I110))","v":0},{"$f":"IF(C111>Quote!$D$12,0,IF(F110>0,F110*(1+Quote!$D$16),IF($F$29=C111,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C111=Quote!$D$12,I111,0)","v":0}]
[null,80,109,{"$f":"IF(Quote!$D$10=Calcs!C112,Calcs!$D$30*(1+Calcs!$D$29)^B111,0)","v":0},{"$f":"IF(C112>Quote!$D$12,0,IF(C112=$F$29,$E$28,I111))","v":0},{"$f":"IF(C112>Quote!$D$12,0,IF(F111>0,F111*(1+Quote!$D$16),IF($F$29=C112,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C112=Quote!$D$12,I112,0)","v":0}]
[null,81,110,{"$f":"IF(Quote!$D$10=Calcs!C113,Calcs!$D$30*(1+Calcs!$D$29)^B112,0)","v":0},{"$f":"IF(C113>Quote!$D$12,0,IF(C113=$F$29,$E$28,I112))","v":0},{"$f":"IF(C113>Quote!$D$12,0,IF(F112>0,F112*(1+Quote!$D$16),IF($F$29=C113,$F$30,0)))","v":0},0,0,0,{"$f":"IF(C113=Quote!$D$12,I113,0)","v":0}]
[]
[]
[]
[null,"Future Value = ",{"$f":"C121*(1+C123)^C119*((1-((1+C124)^-12))/(C124/(1+C124)))*((1-((1+C126)^-C119))/(C126/(1+C126)))+(C120*(1+C123)^C119)","v":0}]
[]
[null,"Term (years)",{"$f":"FV!D19","v":5},"n"]
[null,"Single Premium / Present Value",{"$f":"FV!D17","v":0},"S"]
[null,"Recurring Premium",{"$f":"FV!D13","v":0},"P"]
[null,"Premium Escalation",{"$f":"FV!D15","v":0.05},"e"]
[null,"Portfolio Growth (annual)",{"$f":"FV!D21","v":0.1},"i"]
[null,"Portfolio Growth (monthly)",{"$f":"((1+C123)^(1/12))-1","v":7.9741404289037643E-3},"m"]
[]
[null,"J =",{"$f":"((1+(C123+0.0000000001))/(1+C122))-1","v":4.7619047714285712E-2},"J"]
[]
[]
[null,"Future Value = ",{"$f":"C133*(1+C135)^C131*((1-((1+C136)^-12))/(C136/(1+C136)))*((1-((1+C138)^-C131))/(C138/(1+C138)))+(C132*(1+C135)^C131)","v":0},null,null,"Future Value = ",{"$f":"IF(Term!D22=0,0,G133*(1+G135)^G131*((1-((1+G136)^-12))/(G136/(1+G136)))*((1-((1+G138)^-G131))/(G138/(1+G138)))+(G132*(1+G135)^G131))","v":0},null,null,"Future Value = ",{"$f":"IF(Term!D24=0,0,K133*(1+K135)^K131*((1-((1+K136)^-12))/(K136/(1+K136)))*((1-((1+K138)^-K131))/(K138/(1+K138)))+(K132*(1+K135)^K131))","v":0}]
[]
[null,"Term (years)",{"$f":"Term!D13-General!D9","v":30},"n",null,"Term (years)",{"$f":"C131","v":30},"n",null,"Term (years)",{"$f":"C131","v":30},"n"]
[null,"Single Premium / Present Value",{"$f":"Term!D30","v":0},"S",null,"Single Premium / Present Value",{"$f":"Term!D22","v":0},"S",null,"Single Premium / Present Value",{"$f":"Term!D24","v":0},"S"]
[null,"Recurring Premium",{"$f":"Term!D26","v":0},"P",null,"Recurring Premium",0,"P",null,"Recurring Premium",0,"P"]
[null,"Premium Escalation",{"$f":"Term!D28","v":0.05},"e",null,"Premium Escalation",0,"e",null,"Premium Escalation",0,"e"]
[null,"Portfolio Growth (annual)",{"$f":"Term!D32+0.0000000001","v":0.1000000001},"i",null,"Portfolio Growth (annual)",{"$f":"Term!F22+0.0000000001","v":1E-10},"i",null,"Portfolio Growth (annual)",{"$f":"Term!F24+0.0000000001","v":1E-10},"i"]
[null,"Portfolio Growth (monthly)",{"$f":"((1+C135)^(1/12))-1","v":7.9741404365398783E-3},"m",null,"Portfolio Growth (monthly)",{"$f":"((1+G135)^(1/12))-1","v":8.333334022836425E-12},"m",null,"Portfolio Growth (monthly)",{"$f":"((1+K135)^(1/12))-1","v":8.333334022836425E-12},"m"]
[]
[null,"J =",{"$f":"((1+(C135+0.0000000001))/(1+C134))-1","v":4.7619047809523973E-2},"J",null,"J =",{"$f":"((1+(G135+0.0000000001))/(1+G134))-1","v":2.000000165480742E-10},"J",null,"J =",{"$f":"((1+(K135+0.0000000001))/(1+K134))-1","v":2.000000165480742E-10},"J"]
[]
[null,"Consumer price index",{"$f":"C141/1000","v":0.06}]
[null,null,60]
[]
[]
[null,"Term","Age","Income","Capital","Income","Capital","Capital","Capital","Income to age"]
[null,"(years)",{"$f":"General!D9","v":30},"required","begin","required","after income","growth","year end",{"$f":"MAX(J150:J230)","v":0}]
[null,null,null,"CPI",{"$f":"C129+G129+K129","v":0},"first retirement year",null,{"$f":"Term!D34","v":0.1}]
[null,null,null,{"$f":"Calcs!C140","v":0.06},null,{"$f":"Term!D13","v":60}]
[null,null,null,{"$f":"Term!D11*12","v":12},null,{"$f":"MAX(D150:D230)","v":68.921894074959113}]
[]
[null,1,{"$f":"C145","v":30},{"$f":"IF(Term!D13=Calcs!C150,Calcs!D148,0)","v":0},{"$f":"IF(C150=F147,E146,0)","v":0},{"$f":"IF(F147=C150,F148,0)","v":0},{"$f":"E150-F150","v":0},{"$f":"G150*$H$146","v":0},{"$f":"G150+H150","v":0},{"$f":"IF(I150>0,C150,0)","v":0}]
[null,2,{"$f":"C150+1","v":31},{"$f":"IF(Term!$D$13=Calcs!C151,$D$148*(1+$D$147)^B150,0)","v":0},{"$f":"IF(C151<Term!$D$13,0,IF(C151=$F$147,$E$146,I150))","v":0},{"$f":"IF(C151<$F$147,0,IF(F150>0,F150*(1+Term!$D$15),IF($F$147=C151,$F$148,0)))","v":0},{"$f":"E151-F151","v":0},{"$f":"G151*$H$146","v":0},{"$f":"G151+H151","v":0},{"$f":"IF(I151>0,C151,0)","v":0}]
[null,3,{"$f":"C151+1","v":32},{"$f":"IF(Term!$D$13=Calcs!C152,$D$148*(1+$D$147)^B151,0)","v":0},{"$f":"IF(C152<Term!$D$13,0,IF(C152=$F$147,$E$146,I151))","v":0},{"$f":"IF(C152<$F$147,0,IF(F151>0,F151*(1+Term!$D$15),IF($F$147=C152,$F$148,0)))","v":0},0,0,0,0]
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[null,8,37,{"$f":"IF(Term!$D$13=Calcs!C157,$D$148*(1+$D$147)^B156,0)","v":0},{"$f":"IF(C157<Term!$D$13,0,IF(C157=$F$147,$E$146,I156))","v":0},{"$f":"IF(C157<$F$147,0,IF(F156>0,F156*(1+Term!$D$15),IF($F$147=C157,$F$148,0)))","v":0},0,0,0,0]
[null,9,38,{"$f":"IF(Term!$D$13=Calcs!C158,$D$148*(1+$D$147)^B157,0)","v":0},{"$f":"IF(C158<Term!$D$13,0,IF(C158=$F$147,$E$146,I157))","v":0},{"$f":"IF(C158<$F$147,0,IF(F157>0,F157*(1+Term!$D$15),IF($F$147=C158,$F$148,0)))","v":0},0,0,0,0]
[null,10,39,{"$f":"IF(Term!$D$13=Calcs!C159,$D$148*(1+$D$147)^B158,0)","v":0},{"$f":"IF(C159<Term!$D$13,0,IF(C159=$F$147,$E$146,I158))","v":0},{"$f":"IF(C159<$F$147,0,IF(F158>0,F158*(1+Term!$D$15),IF($F$147=C159,$F$148,0)))","v":0},0,0,0,0]
[null,11,40,{"$f":"IF(Term!$D$13=Calcs!C160,$D$148*(1+$D$147)^B159,0)","v":0},{"$f":"IF(C160<Term!$D$13,0,IF(C160=$F$147,$E$146,I159))","v":0},{"$f":"IF(C160<$F$147,0,IF(F159>0,F159*(1+Term!$D$15),IF($F$147=C160,$F$148,0)))","v":0},0,0,0,0]
[null,12,41,{"$f":"IF(Term!$D$13=Calcs!C161,$D$148*(1+$D$147)^B160,0)","v":0},{"$f":"IF(C161<Term!$D$13,0,IF(C161=$F$147,$E$146,I160))","v":0},{"$f":"IF(C161<$F$147,0,IF(F160>0,F160*(1+Term!$D$15),IF($F$147=C161,$F$148,0)))","v":0},0,0,0,0]
[null,13,42,{"$f":"IF(Term!$D$13=Calcs!C162,$D$148*(1+$D$147)^B161,0)","v":0},{"$f":"IF(C162<Term!$D$13,0,IF(C162=$F$147,$E$146,I161))","v":0},{"$f":"IF(C162<$F$147,0,IF(F161>0,F161*(1+Term!$D$15),IF($F$147=C162,$F$148,0)))","v":0},0,0,0,0]
[null,14,43,{"$f":"IF(Term!$D$13=Calcs!C163,$D$148*(1+$D$147)^B162,0)","v":0},{"$f":"IF(C163<Term!$D$13,0,IF(C163=$F$147,$E$146,I162))","v":0},{"$f":"IF(C163<$F$147,0,IF(F162>0,F162*(1+Term!$D$15),IF($F$147=C163,$F$148,0)))","v":0},0,0,0,0]
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[]
[]
[]
[]
[]
[null,"Future Value = ",{"$f":"C240*(1+C242)^C238*((1-((1+C243)^-12))/(C243/(1+C243)))*((1-((1+C245)^-C238))/(C245/(1+C245)))+(C239*(1+C242)^C238)","v":0},null,{"$f":"FV!D28","v":0}]
[]
[null,"Term (years)",{"$f":"FV!D34","v":5},"n"]
[null,"Single Premium / Present Value",{"$f":"FV!D32","v":0},"S"]
[null,"Recurring Premium",0,"P"]
[null,"Premium Escalation",{"$f":"FV!D30","v":0.05},"e"]
[null,"Portfolio Growth (annual)",{"$f":"FV!D36+0.0000000001","v":0.1000000001},"i"]
[null,"Portfolio Growth (monthly)",{"$f":"((1+C242)^(1/12))-1","v":7.9741404365398783E-3},"m"]
[]
[null,"J =",{"$f":"((1+(C242+0.0000000001))/(1+C241))-1","v":4.7619047809523973E-2},"J"]