My CALCULATORS for FINANCIAL GOAL SETTING! | Personal Finance for 20s! | Warikoo Hindi

[@warikoo]

Check out Ditto insurance here: bit.ly/3C6SQ70 Ditto is backed by Zerodha, and with their free consultation, no-spam policy, and honest insurance advice, you can talk to experts who actually care about you. Here are the Excel sheets to all of them: Calculator 1: tinyurl.com/2p9hdrkx Calculator 2: tinyurl.com/eechsmhd Calculator 3: tinyurl.com/2ttda28m Calculator 4: tinyurl.com/ybjx3du9 Calculator 5: tinyurl.com/ycb6d5nx This video comes with notes. Check them out here: bit.ly/3PqDyN2

[@Priyansu09ipgmerian]

And 3. You have off the ads thank you sir ☺️

[@indranilbakshi4632]

Talk about Finance Certificates and Your MBA Exp. Non finance to Finance Journey..

[@amandeepbarwal2071]

Hi sir,it would be really helpful if you can make a video on weather pay more EMI for loan or increase the monthly investment. I have understood about the lumpsum amout but need to have clarity about this🙏

[@amitpaul9575]

Sar main aapka time management course Lena chahta hun, lekin mujhe English utna samajh mein nahin aata. Sar main aapse Janna chahta Hun ki vah course Hindi mein hote hain ya only English mein? Kyunki agar Hindi mein ho to main course Lena chahta hun. Please reply sir

[@cr7091]

Sir pls make one calculator to calculate a xirr of a mutual fund

[@harshaljumle8679]

Hello Ankur sir, Can you please make a video on retirement planning for the people who are in there early 40's . All the influencers make the videos for the new born retirement planning. But lot of people who are in 40's need real knowledge. For the ppl in 20's it's a piece of cake to explain

[@swapniljoshi8650]

Me no expert but u should put in elss and ppf and nps as of now elss cause I am preety sure the market will go up now and you def need some amt in stocks and all. Def u need a amt in EPF ppf nps cause they give kinda fixed return. Sont forget mf index one I mean that should be gud too

[@VikasSingh-er5hh]

+111

[@rajaksunil2007]

Sir, please for 34-35+

[@ashwinipatidar9764]

Yes please for people who are in 30s

[@ShubhB7]

Very less people are providing quality knowledge on youtube..but u are great for youngsters .

[@joeyjjj111]

I believe another calculator that would be a great addition and will complete this list would be the monthly budget/expense calculator. Loved the video! Thank you so much. 😊

[@harishhari8321]

Above links for excel are not working

[@vishalthakur2815]

It's just compilation of all his videos 🌚

[@playerx7061]

Sach bol diye 😼

[@viratforever21]

He has actually covered all personal finance topics

[@rimachak124]

Not just that's he's very dramatic about FDs all the time and never reaches any new stuff

[@Shishir30august]

What's wrong in that bro. You are getting such rich and concise information in free. You should be praising him instead of saying so. His videos helped me to plan my finances and I am already getting results from his advices.

[@ktk1144]

@@Shishir30august he didn't said it was wrong though Alt hahaha so true

[@samratmanna4918]

You have become my Guru....My Mentor 🙌 Whenever I see you, I feel so much Motivated and gets totally Devoted into your teachings.

[@amit2015]

can you please make video on how to keep track of monthly expenses (various heads like credit card, household expenses, cash in flows), investments along with excel sheets? your videos are too good an excel sheets are icing on the cake.

[@KnowYourPurse]

Dear Ankur just wanna say i have came across your several videos, hatsoff to you and your team.... the amount of knowledge you share with all the audience is commendable.... keep up the amazing work you are doing 👏 👍 🙌. Your videos really does inspire and motivate me too, to make some good content on Personal finance and educate our youth of our nation. Let's do this 💪 🙌.

[@sumitsinghal1868]

One of the best Video on KZbin.....💙💙💙

[@drsana3867]

even I was sort of bored of your ads running at the beginning of every video that I was opening ..... but after this video ....uffff I am gonna hire you as my financial mentor .... simple crispy ... n to the point explanations ...

[@susmitasarkar7876]

Very nice, I am 22, following it from 20+your vedios helped me a lot for investment saving, rents and all and mostly to handle financial, really thank you means a lot to have this type of guide to mark the future 🙏❤

[@pranavpatil1756]

Dear ankur warikoo sir, Today you changed my whole life. You saved me from being trapped to the world's trap of money, which wouldn't be giving me satisfaction and happiness in my future, what I am in search of. You gave me the direction to my research of creating the best version of myself. Thank you so much sir. You added value in my life.

[@unAnurag]

This video is the holy grail of financial planning 👏

[@niharchand]

Hi Ankur, Extremely useful calculators. One input on the financial independent calculator- This does not factor in if any bulk spend pre retirement ( I.e if I need to spend bulk amount for house pre retirement- calculations are not built in to factor this). This is giving a incorrect number of years the corpus will last. Looking forward to an updated calculator. Keep sharing such useful videos that is extremely beneficial for so many people. Thanks

[@rituwalmiki8766]

This is such a miracle if we play around with the sheet and it shows how calculative we are in terms of money, investment and the most importantly the decisions we make in life. Again thank you very much for sharing the insights and calculator.

[@Shannyyyyyyy]

Thank you Ankur for providing such great tools to quantify data so easily. This is so helpful 🙏🏻❤️🦋

[@pankajkumar-wl7vo]

I love your content... btw, all these calculators are already shared by you... can you please create a video on monthly and yearly budget calculator... well I have already created one and still improving it for last 10 years... I also like playing with excel sheet... 😀

[@perrygarg]

Those are helpful calculators. Thanks a ton. One another probably useful calculator: BT vs Stay calculator -> Upon loan interest rate revision, should you transfer your home loan to another bank or stay at current one? It can factor in different costs involved during BT of loan. I hear this question a lot from friends who have taken loan, especially amid these repo rate changes.

[@vinaykumarp4692]

@warikoo you are a gem for middle-class people, to crack all investments in a simple way and plans. thank you, sir

[@maitreyab]

Loved your video sir ..I am 38 and I am doing my investment since 2010..just this month I took a home Loan to buy my first house and your EMI Calculator sheet...is a life saver it opened my eyes ...following you for past 1 years ...love your excel sheet videos..❤❤❤❤

[@samagnanarra1310]

The book I wanted to read - Who will cry when we die - from a long time I was in thought like what is the purpose of my life, what can I do with it and I failed in achieving that answer, so I want to read this book and figure out the main purpose of life

[@patelse]

You can arrange to pay extra payment as a principal payment to over smart the bank. People do in usa.

[@abhisekchowdhury8584]

16:08 If pay off the loan is the answer then we have to calculate the interest with 10L-1L = 9L amount against the 1L investment.

[@kaushikghosh8660]

Thank you for providing such great information / tools to measure data so easily. This is so helpful . . . Thanks!

[@SanaKhan-lm3vu]

Thank you dear Ankur warikoo for this mind blowing and such a valuable video for my personal finance ❤️.

[@priyankarudra8854]

Wow love listening to your advices .. it’s almost like listening to a story .. don’t feel the need to skip your content somehow 😊

[@AbhijitChandekar]

Sir jee, liked the video just after seeing intro...malik, U r a blessing to every indian 🙏

[@ShortsyouCherish]

That reaction of Warikoo Sir on FD!! Priceless🤣🤣

[@razsolanki7921]

Huge fan Sir,you have made videos on SIP but make an video on types of SIP and which SIP would be better to choose...Thank you!

[@ramanshr]

These calculators are so good. But, kindly share your views about investing in yourself (education) as part of your investment. and if possible with an excel sheet ;)

[@hardworkingboy3148]

Mind blowing. I fell in love with excel.

[@PrinceGupta018]

What a fantastic video sir. Hats off to you!! Helping us with such complex tools in a very easy way.😃

[@sukantkumar5319]

Really awesome Calculators, there are certain people in the market selling this calculator on the market and on social media as financial freedom course and they charge 15-20K

[@pranjalbhattacharjee4870]

But my question is what will be the value of the house (flat) after 30 year ?? No buyer will ever buy such an old infrastructure. It is seen that Valuation of flat doesn't seem to inrease drastically over a couse of time.

[@vikaspragati]

Love you too ankoor warikoo give the best powerful suggestions EMI Wow 😳

[@mahendragangurde1097]

Need Your expert Advice... which is more better option to choose... Offer 1: CTC: 12.75 LPA + 120000 Variable Pay Bonus(Excluding Taxes) and Skill Allowances: 1,45,000 (Quarterly Payment excluding taxes) Offer 2: CTC: 14.31 LPA (Excluding Taxes) Home loan @4% Note: currently Paying home loan EMI @7.25% for 20 Lacs (Balance Term: 188 Months)

[@nitishpimple1717]

Buying a House, Let's consider your emi is 38000 and you grow it by 10% every year, then as per excel sheet, within 10 years we are going to finish our loan amount and interest would be 27 lakhs only and we save almost 40 lakhs, Ok fine, But nobody knows if we continue to grow 10% emi every year then 7th year emi would be 70k approx and 10th year emi would 1 lakh.. So calculation in excel sheet is easy but in practical it's not possible.. By the way all calculates was superb.. i used it.. thanks for sharing..

[@uniqueuk8363]

Dear Sir You always give financial guidelines for a person who is just in twenty. There are lot peoples who are in 50 and they also need financial guidelines, they wouldn't have meat best advisor like you before. So pls share some videos for us 50 aged persons.

[@satyamsuryawanshiofficial]

Good start and great way to put old ideas with new style in new rapping...

[@augnitbiswas9777]

so much interesting things to know.....and loved that one extra Emi calculator +10%.... thank u sir......

[@MeetPatel_1]

Thankyou very much sir for this type of valuable knowledge you are providing us ... Bless you 🙏

[@omkumarsingh]

One of the best videos out there. Thank you

[@kooluserful]

Great work Ankur ji. Really a great content I was looking for. Thank you. :)

[@r4aravind]

With all your respect Ankur, i understand you keep mocking FD because of its low returns, but you should specifically mention Bank FDs. NBFC FDs usually provide returns between 7.5% to 8.5% which is equivalent to what PPF is providing.

[@abhishekjoshi1243]

Hii, Can you please guide on asset management and tracking like homes , plots and commercial shops together ?

[@satyamrangroo1947]

Thank You, Ankur Warikoo. Learnt a lot here.

[@Abhishekagrawal1997]

Its all about numbers at the end Thank you for teaching us🙏🏼

[@reubenbhattacharjee3288]

Hi Ankur- Please suggest some plans for people who are in late 30’s or early 40’s. Looking at 20 year plan make us feeling like losers.. have not invested till date. Now, if we need to build a significant corpus for retirement and all what should be our plan. Waiting to hear from you

[@AbhishekDubeyAdv]

Yes please suggest something for people like us too....

[@himanshusahu9828]

Overall nice video but I’d like to disagree on renting vs buying. Other calculators are purely monetary calculation whereas house is more than monetary value. Just for 10 lakhs of extra benefit over the period of 20 years is not worth sacrificing our peace of mind. A house has emotional value, value of freedom. One can’t live in rented house for 20 years.

[@prathamkhubchandani7293]

in the last segment of pay off vs invest, if we are considering to increase our investment amount by 7000 as you took as an example, you did not consider that the same 7000 can be paid of towards emi, thereby decreasing the total interest amount

[@MrTejaswig]

Thanks Ankur. These calculators is very useful

[@mahendrapatil1376]

thank you sir for an useful things. it's help me to get what I am searching for.

[@aneekmitra]

Most of the people in 30's r confused so make videos for 30's especially age group 35-40

[@anandts6973]

i used ditto and they were very helpful to get my medical insuraance and they dont spam u thats true

[@kapilmehta499]

Love your channel sir, One video i suggest you must make keeping NRI's into consideration, No one makes those actually. Few observations on your videos does not match or roleplay in case of NRI's. NRE FD gives 7.25% now a days Tax Free, is it still bad ? NRI's taking home loan in India @8.90% or buy on full value who can afford ? Suppose i want to buy a flat of 1.5 CR and my money earns 7.25% or 8.95% on a forward contract with bank fixed for 5 years. Which option would be better ? No online calculator shows this comparison for NRI's. Would appreciate your reply sir.

[@ManishSharma-hm2ju]

U have great knowledge sir & skills...👏👏

[@prajitp2685]

Thanks for this video. All the calculators are very helpful.

[@prajwalsalian30]

Superb video. Gives u precise calculation for decision making on array of loan products. However, Just want to know how these calculations will work for PSU employee who gets subsidies rate of interest ( simple interest @6 %) on all loan products.

[@archi3086]

Very nice video , plz make one for the college students, that how and where to invest also about the strategy of paying emi for educational loan and what to do as a side hustle

[@dineshchauhan8972]

Thanks Ankur. As always amazing content.

[@umas7740]

Bro aap bohot mazedar ho🤑 video shuru hote hi mujhe aisa laga🤭

[@dayalsengunthar3250]

Wonderful Calculators sir,Great respect:)

[@microtech2448]

Can you tell settings in Google sheets to show amount in indian format with proper commas?

[@sunnybunny-z3k]

Ankur ji i just need to know about my property which i am planning to sell . bit worried abt LTCG and tax implication on it. so make a video about, how to save tax and other relevant options

[@rohitjadhav2742]

@warikoo These excel sheets can make more than a decent product like an app or webpage.

[@indranilbakshi4632]

Talk about Finance Certificates and Your MBA Exp. Non finance to Finance Journey..

[@SharmaArjun]

Retirement calculator ❤️ I loveeeiitttt 💫

[@sandipanbanerjee7924]

Kudos! Great job you are emporing people with the knowledge to use the tool(money) for your benefit, by not getting hypnotized by it. I would requet you to create an EMI calculator for education loan with monetarium period, as there are hardly any discussion going on in this matter. All the very best for your furture, keep rocking. \,,/ \,,/

[@spanco1]

Very good tool Ankit however please update effective Rate of Interest in Rent vs Buy calculator. Tax Rebate linkage is fine but max tax benefit is only on 2 lacs interest. capping of the same should be included in the formula.

[@arzooooo6544]

Can someone help me with how to make it editable on ipad, it says it’s read only

[@samarjitgharge1088]

Hi Ankur, Aap please agar aap bad Lon He To Investment karana chahiye ya use pahale clear karana chahiye is per ek video bana ye

[@ramachandrakulkarni5083]

Sir please compare one more topic like is it better to rent,LEASE or buy a home

[@UmeshKumar-ff8cs]

Thank you so much for all information your shared, Have you made any video for finaltion planning and investment, best source to invest, best stock, best matual fund etc.

[@shubhamkasegaonkar9991]

Great content ! Just love the way you explain each and every concept, and your reaction for FD 😛

[@arjunnamdeo2126]

Hi Ankur, Great stuff man. Kudos for all the amazing work you're doing. I have a couple of requests - 1. Would it be possible for you to instead use Google Sheet instead of MS Excel? 2. And Can you do a video/calculator for the monthly budget? Thanks again.

[@scholescantona]

Absolutely awesome 👍 Must watch

[@dilpreetsingh7101]

Hello sir pls explain tax on returns of each segment like nps, MF, ppf, fd, ppf, epf, insurance policy etc.

[@journeydiscover4304]

Excited to seen you with sandeep sir

[@mihirmittal4037]

I am your huge follower sir. You are great

[@kavyachauhan4581]

Hello, Thanks for these calculators. Really helpful in the longest run!! I have a request, can you make a video to understand Mid cap/Small cap stocks/mutual funds

[@arzooooo6544]

Can someone help me with how to make it editable on ipad, it says it’s read only

[@mrnirala8777]

Sir aapki video India me Financial Revolution layega but it's takes time

[@manjunathmnm9497]

Thank you so much Bhai 🌹👍💕 Good information given 🙏

[@fatimahaque5110]

Ankur please make a detailed video on Sovereign Gold Bond. Please

[@jaysonlobo1254]

Thank you, Loved the loan calculator.

[@10129933286568]

Thanks for this fruitful video as always

[@manishapatil3706]

Eagerly waiting for your videos 😊

[@anilgawande4954]

Thanks for educating us.

[@kabirkureshi2001]

It's very very very knowledgeable video

[@shantanoolonkar370]

Powerful calculators...helps in getting the number & analytics right before taking crucial decision.

[@Kunal_Patil16]

Stock Market is not giving much returns. 15% return is not enough then why should we don't invest in crypto... I'm saying whole investment. PlZ make a video on this topic

[@akhilnarayanan7182]

Best thing would to pay down payment + invest same amount in stocks

[@piyushkatake3321]

Thank you so much sir ❤️☺️

[@promotionalman3946]

Apne Vauld pe FD recommend karke achchi goal setting kardi hai waise bhi

[@ramanshr]

one question about payoff vs invest calculator... wouldn't the interest (you will pay interest of:) be reduced if there is a part-payment or monthly part-payments are made towards the loan?

[@abhisheks6414]

I also have the same question. I think there is a mistake in that tool!

[@AtulKumar-vf8us]

Sir please make a video on a beginner guy who is going to have his/her first salary and deciding to invest. Also please suggest some apps, stocks, mf etc for those who can invest 10k per month. Please it's a humble request 🙏

[@aryangupta8726]

Another Amazing video ❤️❤️

[@pulkitmittal2065]

Hello Ankur, there is a big mistake you are making in the 3rd calculator i.e payoff vs invest. Suppose a person has an EMI of rs 10000 per month for 3 years left, so according to your calculator he will be giving a sum of rs 10000*12*3= 360000 for loan repayment.. which I suppose is a wrong method of calculation because if a person paysoff his loan then he'll invest the amount of his EMI i.e rs 10000 in any SIP ( recurring deposit also but I don't think you'll recommend ) which offers a minimum interest of 8% so he gets a sum of rs 410000 after 3 years which is more as compared to your calculations.

[@kanikasachdeva7423]

💯💯

[@deelipmeher5190]

Very useful video. Thanks.

[@harpreetsingh7048]

Sir please consider taxation in financial calculator! Other than that, I loved your video

[@TopicTrackerwithrk]

Sir excel download to hoti nahi h fir kyo link dete ho 🤔🤔

[@hemantshinde5413]

But we are not considering that we might need to buy a house on retirement or when you want stability. So we should also consider the increase in real estate price over the years we invest money it must be less than the amount u get on redemption of investment.