no excel , Solve it as soon as possible its urgent .

3. You've just celebrated your 35" birthday yesterday. You're really concerned about your future hence you're trying to make a retirement plan for a financially stable post-retirement life. You assume to work for another 20 years. A physic told you that you'll die at an age of 80. After retirement, you need equivalent purchasing power of BDT 100,000 monthly which you currently need for survival, the first payment the day you retire. You also want to leave lump sum 10 million BDT in your account at death to make your family well-off. The average inflation rate in Bangladesh is 5% and you assume it will remain constant during your work life. Any savings at your retirement account will earn 8% after your retirement You're a software engineer at renowned multinational "Grameen Phone" where you started working 5 years back. Since joining, you have invested BDT 12,000 yearly in share market from where you have gained average 15% return, this return from share market is expected to grow at steady rate. You're committed for the workplace where you're currently working and expect to continue this job till retirement. Grameen Phone will pay you BDT 2 million from provident fund and gratuity at retirement Required: How much must you save every year from now till you retire to meet your retirement goal? Assume any savings in your remaining work life will earn 10% return compounded monthly (20