Financial planning for 20 years
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Cash Inflows Salary and annual bonus All salary and bonus - post tax Any other inflow One time inflows (post tax) that ma Income from assets Post tax cash inflows from assets b Loans taken Cash inflows due to loans ( eg Hous Total Inflow Addition of all the above items Cash outflows House running All household expenses like grocery House Rent rent paid for the house Clothing Transportation Bus, Auto, parking, petrol, mainten Communication land line, mobile, internet charges Education All expenses on school for kids, bo Medical All medical expenses plus medical i Entertainment Movies, picnics, eat outs etc Holidays Outstation holidays Car / House EMI EMI's to be paid for loans taken Assets purchased All items bought above Rs 3000 eg- Asset Maintenance exp. maintenance of assets ( real estate Social contribution Contribution towards welfare of oth Other expenses Any expenses that does not come in Loans repaid Loan repayments (principle) Investments made Investments that will give returns Special events Wedding expenses, child birth, medi Total outflow Addition of all the above outflow i Overall cash assets Opening savings Cash at hand as you start this exer Savings for the year Net inflows minus net outflows for closing savings Opening savings plus savings for th Overall non cash Assets Opening value of assets Asset value as you start the exerci Assets built in the year Investments during the year Capital appreciation in the Estimated appreciation of your ass Closing value of assets addition of the top three values Assumptions Inflation estimated inflation (this is your e House rent increase estimated inflation in rentals
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Simple, logical financial planner that can be used by anyone
Transcript of Financial planning for 20 years
Cash InflowsSalary and annual bonus All salary and bonus - post taxAny other inflow One time inflows (post tax) that may happen like Joining bonus for a new job, lottery wins etcIncome 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 items
Cash outflowsHouse running All household expenses like grocery, water, electricity, servantand small one time purchases below Rs 3000 ( like utensils bought) etcHouse Rent rent paid for the houseClothingTransportation Bus, Auto, parking, petrol, maintenance of vehicle, insurance for vehicle etcCommunication land line, mobile, internet chargesEducation All expenses on school for kids, books for self, training course for self etcMedical All medical expenses plus medical insuranceEntertainment Movies, picnics, eat outs etcHolidays Outstation holidaysCar / House EMI EMI's to be paid for loans takenAssets purchased All items bought above Rs 3000 eg- Vehicle, Fridge, TV etcAsset Maintenance exp. maintenance of assets ( real estate, car, Fridhe, TV etc) owned Social contribution Contribution towards welfare of othersOther expenses Any expenses that does not come in any abolve categoriesLoans repaid Loan repayments (principle)Investments made Investments that will give returns over time like Equity, FD, PF etcSpecial events Wedding expenses, child birth, medical emergencies etc
Total outflow Addition of all the above outflow items
Overall cash assetsOpening savings Cash at hand as you start this exerciseSavings for the year Net inflows minus net outflows for the yearclosing savings Opening savings plus savings for the year
Overall non cash Assets Opening value of assets Asset value as you start the exerciseAssets built in the year Investments during the yearCapital appreciation in the year Estimated appreciation of your assetsClosing value of assets addition of the top three values
AssumptionsInflation estimated inflation (this is your estimate -you can put your number)House rent increase estimated inflation in rentalsCash flow return on assets estimate of your investment saviness - how well you are able to perform in the investment of your savingsCapital appreciation on Assets How well your assets are appreciating - how good are your investments
One time inflows (post tax) that may happen like Joining bonus for a new job, lottery wins etcPost tax cash inflows from assets built ( eg - rental income from house owned)Cash inflows due to loans ( eg Housing loan, vehicle loan etc)
All household expenses like grocery, water, electricity, servantand small one time purchases below Rs 3000 ( like utensils bought) etc
Bus, Auto, parking, petrol, maintenance of vehicle, insurance for vehicle etc
All expenses on school for kids, books for self, training course for self etc
All items bought above Rs 3000 eg- Vehicle, Fridge, TV etcmaintenance of assets ( real estate, car, Fridhe, TV etc) owned
Any expenses that does not come in any abolve categories
Investments that will give returns over time like Equity, FD, PF etcWedding expenses, child birth, medical emergencies etc
estimated inflation (this is your estimate -you can put your number)
estimate of your investment saviness - how well you are able to perform in the investment of your savingsHow well your assets are appreciating - how good are your investments
Month Jan Feb March April May
Cash InflowsSalary and annual bonusAny other inflowIncome from assetsLoans taken
Total Inflow 0 0 0 0 0
Cash outflowsHouse runningHouse RentClothingTransportationCommunicationEducationMedicalEntertainmentHolidaysCar / House EMIAssets purchasedAsset Maintenance exp.Social contributionOther expensesLoans repaidInvestments madeSpecial events
Total outflow 0 0 0 0 0
Overall cash assetsOpening savingsSavings for the monthclosing savings
Overall non cash Assets Opening value of assetsAssets built in the month
Closing value of assets
June July August September October November December Total
0000
0 0 0 0 0 0 0 0
00000000000000000
0 0 0 0 0 0 0 0
Year 2011 2012 2013 2014 2015
Cash InflowsSalary and annual bonusAny other inflowIncome from assetsLoans taken
Total Inflow 0 0 0 0 0
Cash outflowsHouse runningHouse RentClothingTransportationCommunicationEducationMedicalEntertainmentHolidaysCar / House EMIAssets purchasedAsset Maintenance exp.Social contributionOther expensesLoans repaidInvestments madeSpecial events
Total outflow 0 0 0 0 0Year 2011 2012 2013 2014 2015
Overall cash assetsOpening savings 0 0 0 0Savings for the year 0 0 0 0 0closing savings 0 0 0 0 0
Overall non cash Assets Opening value of assets 0 0 0 0Assets built in the year 0 0 0 0 0Capital appreciation in the yearClosing value of assets 0 0 0 0 0
AssumptionsInflation 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 assetsCapital appreciation on Assets
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
0 0 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 2025
0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
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% 10.00% 10.00% 10.00%
2026 2027 2028 2029 2030
0 0 0 0 0
0 0 0 0 02026 2027 2028 2029 2030
0 0 0 0 00 0 0 0 00 0 0 0 0
0 0 0 0 00 0 0 0 0
0 0 0 0 0
10.00% 10.00% 10.00% 10.00% 10.00%10.00% 10.00% 10.00% 10.00% 10.00%
