Financial planning for 20 years
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Financial planning for 20 years

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Simple, logical financial planner that can be used by anyone

Simple, logical financial planner that can be used by anyone

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Financial planning for 20 years Financial planning for 20 years Document Transcript

  • Cash Inflows Salary and annual bonus All salary and bonus - post tax Any other inflow One time inflows (post tax) that may happen like Joining bonus for a new job, Income from assets Post tax cash inflows from assets built ( eg - rental income from house owned) Loans taken Cash inflows due to loans ( eg Housing loan, vehicle loan etc)Total Inflow Addition of all the above itemsCash outflows House running All household expenses like grocery, water, electricity, servantand small one ti House Rent rent paid for the house Clothing Transportation Bus, Auto, parking, petrol, maintenance of vehicle, insurance for vehicle etc Communication land line, mobile, internet charges Education All expenses on school for kids, books for self, training course for self etc Medical All medical expenses plus medical insurance Entertainment Movies, picnics, eat outs etc Holidays Outstation holidays Car / House EMI EMIs to be paid for loans taken Assets purchased All items bought above Rs 3000 eg- Vehicle, Fridge, TV etc Asset Maintenance exp. maintenance of assets ( real estate, car, Fridhe, TV etc) owned Social contribution Contribution towards welfare of others Other expenses Any expenses that does not come in any abolve categories Loans repaid Loan repayments (principle) Investments made Investments that will give returns over time like Equity, FD, PF etc Special events Wedding expenses, child birth, medical emergencies etcTotal outflow Addition of all the above outflow itemsOverall cash assets Opening savings Cash at hand as you start this exercise Savings for the year Net inflows minus net outflows for the year closing savings Opening savings plus savings for the yearOverall non cash Assets Opening value of assets Asset value as you start the exercise Assets built in the year Investments during the year Capital appreciation in the year Estimated appreciation of your assets Closing value of assets addition of the top three valuesAssumptions Inflation estimated inflation (this is your estimate -you can put your number) House rent increase estimated inflation in rentals Cash flow return on assets estimate of your investment saviness - how well you are able to perform in the Capital appreciation on Assets How well your assets are appreciating - how good are your investments
  • like Joining bonus for a new job, lottery wins etcental income from house owned)ehicle loan etc) ectricity, servantand small one time purchases below Rs 3000 ( like utensils bought) etc hicle, insurance for vehicle etc , training course for self etc ridge, TV etc e, TV etc) owned ve categories ke Equity, FD, PF etc can put your number)well you are able to perform in the investment of your savingsgood are your investments
  • Month Jan Feb March April MayCash Inflows Salary and annual bonus Any other inflow Income from assets Loans takenTotal Inflow 0 0 0 0 0Cash outflows House running House Rent Clothing Transportation Communication Education Medical Entertainment Holidays Car / House EMI Assets purchased Asset Maintenance exp. Social contribution Other expenses Loans repaid Investments made Special eventsTotal outflow 0 0 0 0 0Overall cash assets Opening savings Savings for the month closing savingsOverall non cash Assets Opening value of assets Assets built in the month Closing value of assets
  • June July August September October November December Total 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
  • Year 2011 2012 2013 2014 2015Cash Inflows Salary and annual bonus Any other inflow Income from assets Loans takenTotal Inflow 0 0 0 0 0Cash outflows House running House Rent Clothing Transportation Communication Education Medical Entertainment Holidays Car / House EMI Assets purchased Asset Maintenance exp. Social contribution Other expenses Loans repaid Investments made Special eventsTotal outflow 0 0 0 0 0 Year 2011 2012 2013 2014 2015Overall cash assets Opening savings 0 0 0 0 Savings for the year 0 0 0 0 0 closing savings 0 0 0 0 0Overall non cash Assets Opening value of assets 0 0 0 0 Assets built in the year 0 0 0 0 0 Capital appreciation in the year Closing value of assets 0 0 0 0 0Assumptions Inflation 10.00% 10.00% 10.00% 10.00% 10.00% House rent increase 10.00% 10.00% 10.00% 10.00% 10.00% Cash flow return on assets Capital appreciation on Assets
  • 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02016 2017 2018 2019 2020 2021 2022 2023 2024 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 010.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%
  • 2025 2026 2027 2028 2029 2030 0 0 0 0 0 0 0 0 0 0 0 02025 2026 2027 2028 2029 2030 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 010.00% 10.00% 10.00% 10.00% 10.00% 10.00%10.00% 10.00% 10.00% 10.00% 10.00% 10.00%