Loans

Balance Tenure
190
Home Loan 1
72
Home Loan 2
Home Loan 3
Home Loan 4
34
Car Loan 1
Car Loan 2
Personal Loan 1
Personal Loan 2
Educational
Any other Loan

EMI
18000
5000

ROI
8.75
13.75

8000

11

% share in
50
50
100
100
50
100
100
100
100
100

Total
1,710,000
180,000
0
0
136,000
0
0
0
0
0

Total
108000
30000
0
0
48000
0
0
0
0
0

Expenses
Description
Maids
Vegetables, fruits, big bazzar and
istriwala
Donations
avg Mobile, Telephone, broadband,
Society maintenance
Flat maint
LIC and other insurances -self &
Medical expenses - self &
Hoteling, parties, cinema,
Misc expenses
Vehicle: Fuel + Maint
Vehicle Insurance
Company canteen, conveyance
Demat, credit, debit card charges
Club memberships
Gifts, clothing, trips
Books & self development,
Electronic Gadgets and Computer
Special purchase
Expenses for fitness
Personal maintenance

Monthly Annual
2000
2000
500
4
1500
600
5000
45000
500
1500
500

Snap Shot as

Total 159204

Monthly Saving and investment Pattern towards

Description

ROI

In MF
In EPF
in RD

12
7,500
8.5
5,000
6.5
5,250
0
17750
9.51
Annual Saving 222,536

Effective

Amount

Compoundi Effective
ROI
ng
12.00
1
8.77
4
6.66
4
0.00
1

Extra planned major expenses than monthly expenses

Jan

Feb

Mar

Apr

May

Life insurance premiums - self

Life insurance premiums - family
Mediclaim insurance Premium Mediclaim insurance Premium Vehicle Insurance
Expenses towards house
Investment avenues
Gold investment
Gifts/ Trips/ Functions
Diwali celebrations
Buffer provided for specific

Total
Amount arranged
for Next years

2012

2011

Category
Savings acocunt
Savings acocunt
Savings acocunt
FD
FD
FD
Debt MF
Liquid MF
ETF Gold
Cash in hand

Account
Bank 1
Bank 2

Contingency fund distribution

Amount

Comment
Savings include Linked

Bank 1
Bank 2
Deamt acct
Deamt acct
Deamt acct
--Total

Comment
home loan
Top up

6-Jan-2010

xpenses than monthly expenses

Jun

Jul

Aug

Sep

Oct

Nov

Dec

25000

10000

25000

Assets
Liquid Assets

Liabilities
(short
term
long term)
Short Term+ Liabilities

Cash in hand

15,000

Savings Accounts

50,000

Bank Fixed deposits

250,000

Money Markets

Home Loan

1,890,000

Short Term Debt funds

Any other

5,000
0

Car Loan
Education Loan

136,000
0

Total liquid assets (l)

320,000

Personal Loan

Any other Loan

Total Long term

liabilities (l)

2,026,000

Total Liabilities (B)

(s+l)

2,185,204

Net Worth (A-B)

2,003,796

Solvency Ratio (SR)

0.48

Liquidity Ratio
(12 months)

2.01

Liquidity Ratio
(6 months)

4.02

Savings Ratio for

current year

14.16%

Stocks

Total short term

liabilities (s)

159204

Long Term Liabilities

Investments
20,000

Mutual Funds

500,000

Ulips
Gold ETF

72,000
12,000

NSC
PPF
PF
Post office investments
Total investments (i)

30,000
150,000
350,000
0
1,134,000

Real Estate
Home 1 (Your Share)
2,500,000
Home 2
Plots

0
0

Any other
Total real assets (r)

0
2,500,000

Personal Property

Motor car 1
Motor Car 2
Household furnishings
Jewellery and gold
Any other (collectibles)

150,000
0
75,000
10,000
0

Total debt serivce ratio 28.18%

(TDS ratio)

Total Personal property

(p)

235,000

Total Assets (A)

(l+i+r+p)

4,189,000

Useful Formulae
Maturity Value (FD)
Amount
20,000
Interest Rate
8
Tenure
9.00
Compounding
4
Maturity Value
40,798

Home Loan EMI

Loan amount
1,850,000
Tenure
20
Interest rate
8.75
Reducing rate
Monthly
EMI
16,349

Maturity Value (SIP)

Amount
5,000
Interest Rate
12
Tenure (in months)
240.
Compounding
1
Maturity Value
4,946,277

Maturity Value (RD)

Amount
5000
Interest Rate
9
Tenure (in years)
20
Compounding
4
Maturity Value
3,335,943.10

Annualized Returns
Initial NAV
50000
Current/ Maturity NAV
82182
Tenure (years)
4
Returns
13.23

Loan closure calculator

EMI
Balance Tenure (in
months)
ROI
Loan foreclosure fee (in
Rs.)
Outstanding principal
amount (in Rs.)
Case -1 Loan fore closed
Total EMI out go
Interest saved over the
tenure of the loan
ROI assumed on the
saved EMI amount
Compounding

2,300
66
13.75
5,000
103,808

151,800
47,992
8
1

Return on saved EMI

invested for the saved
tenure
Estimated tax savings if
you continued paying the
EMI (for home loan)
Total foreclosing benefit
at the end of the loan
tenure

189,902

500

232,394

Case -2 Amount equal to outstanding

ROI assumed on invested
8
corpus
Compounding
4
Estimated Tax to be paid
100
in this investment
Total benefit at the end of
160,385
the loan tenure in case
corpus is invested
Profit on out standing
amount over balance
tenure
ROI

72,009

10.05

Total Current Debt

Asset Allocation

Total loan payment (A) 186000

Description

Total short-term
liabilities (B)

53,068

Total current debt

(A+B)

239,068

Total projected
current debt for next
12 months

159,204

FD/ RD/ Debt portion in

Debt
mutual funds, Ulips
Post office investments
NSC
EPF/ PPF
Cash
Gold ETFs + Gold ornaments Equity
+ Physical gold
Equity & Equity portion in
Gold
mutual funds, Ulips
Real estate
equity

Catagory

Car as an asset
Total Current debt for 79,602
next 6 months
Average Monthly Net 50,000
income
Cash surplus
84,932
Monthly-pre tax
income

55,000

Current Year
Current Month

2012
4

Total

on

Portfolio Balance
Amount

Equity

Debt / Cash

944,440

Mutual
Fund

85

15

497,560

Ulips

73

27

22,000
610,000

14,000

2,088,000

Goal
Contigency funds
Holiday
Buy Car
Child's education
Child's education
Child's Marriage
Retirement

Financial goals
Year
Today's value
2012
500,000
2012
200,000
2013
150,000
2028
400,000
2032
1,000,000
2035
500,000
2038
30,000

Base Year
Retirement Corpus

2010
31,379,415

Age
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85

Net porfolio
29,280,033
29,148,226
28,861,617
28,399,637
27,739,623
26,856,629
25,723,223
24,309,258
22,581,629
20,504,014
18,036,583
15,135,692
11,753,541
7,837,816
3,331,290
-1,828,604
-7,710,236
-14,388,282
-21,944,265
-30,467,147
-40,053,964
-50,810,517
-62,852,116
-76,304,389
-91,304,155
-108,000,369
-126,555,143
-147,144,854

Year
2038
2039
2040
2041
2042
2043
2044
2045
2046
2047
2048
2049
2050
2051
2052
2053
2054
2055
2056
2057
2058
2059
2060
2061
2062
2063
2064
2065

Portfolio movement
Future Value
500,000
226,845
181,192
1,242,662
3,996,606
2,413,850
174,949

Annual
2,099,382
2,235,842
2,381,172
2,535,948
2,700,785
2,876,336
3,063,297
3,262,412
3,474,469
3,700,309
3,940,829
4,196,983
4,469,787
4,760,323
5,069,744
5,399,277
5,750,230
6,123,995
6,522,055
6,945,989
7,397,478
7,878,314
8,390,404
8,935,781
9,516,606
10,135,186
10,793,973
11,495,581

Year
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040

Net Porfolio
350,000
605,115
805,104
944,199
1,163,454
1,542,246
1,969,822
2,451,399
2,992,714
3,600,072
4,280,405
5,041,327
5,891,203
6,839,218
7,895,460
9,071,002
10,377,997
11,829,784
13,440,996
14,017,448
15,884,575
17,953,619
20,244,778
18,960,455
21,408,882
24,119,392
24,843,400
27,947,171
31,379,415

Annual Increase in Savings during

Annualized inflation Rate (%)
Cumulative ROI on current investments
Cumulative ROI on retirement corpus

Portfolio movement
Ongoing savings Financial goal Actual Net
650,000
0
222,536
233,663
90,000
245,346
181,192
257,613
126,248
270,494
284,019
298,220
313,130
328,787
345,226
362,488
380,612
399,643
419,625
440,606
462,636
485,768
510,057
535,559
1,210,240
562,337
590,454
619,977
650,976
3,819,750
683,525
717,701
753,586
2,274,691
791,265
830,828

al Increase in Savings during

Annualized inflation Rate (%)
e ROI on current investments
ive ROI on retirement corpus

5
6.5
9
7

Year
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028

Gold accumulation plan (gm)

Annual Cumulative
Actual
Actual
2
2
10
10
5
3
10
20
9
4
11
31
9
11
42
9
11
53
9
12
65
9
12
77
9
12
89
9
12
101
9
12
113
9
12
125
9
12
137
9
12
149
9
12
161
9
12
173
9
12
185
9
15
200

Maturity
2010
2011
2015
2018

Maturity Date
7-Feb-2010
12-Feb-2011
19-Jan-2015
28-Aug-2018

Investment Date
7-Feb-2006
12-Feb-2005
19-Jan-2010
28-Aug-2004

Account No
Policy: 01234567
12EE-012345-07
456789
Policy: 1234

Particular
Investment
ULIP
50,000
NSC
30,000
FD
30,000
LIC Moneyback

Maturity Amount
-45,000
47,973
65,000

Interest %
Description
-ICICI Pru ULIP
6
9.5
ICICI
--

Comments
-For Tax exemption (locked!)

SIP amount
Target returns

2000
12
SIP #
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33

SIP Cumulative Expected

2000
2,020
4000
4,060
6000
6,121
8000
8,202
10000
10,304
12000
12,427
14000
14,571
16000
16,737
18000
18,924
20000
21,134
22000
23,365
24000
25,619
26000
27,895
28000
30,194
30000
32,516
32000
34,861
34000
37,229
36000
39,622
38000
42,038
40000
44,478
42000
46,943
44000
49,433
46000
51,947
48000
54,486
50000
57,051
52000
59,642
54000
62,258
56000
64,901
58000
67,570
60000
70,265
62000
72,988
64000
75,738
66000
78,515

Scheme
Reliance Regular
HDFC Top 200
Sundaram Select
DSPBR Balanced

Value Averaging

Comment
0.2
0.2
0.2
0.15 Do not redeem units

Please write your doubts, suggestions, comments to joshi.ajay@gmail.com

Common
* The cells highlighted with green are the ones where you need to fill in your own data
*
Financial Data
Loans
* Get the amortarization schedule for each ongoing loan and fill in the details.
Expenses
* Write monthly and annual expenses and arrive at the short term liability figure. Insert additional rows if
Monthly Saving and investment Pattern towards Financial Goals
* Write down all the investments and savings to arrive at total monthly figure and weighted average of ROI.

Financial analysis
* The sheet gives one stop snap shot of your current financial condition. Different financial ratios help you
* Solvency Ratio:
* Liquidity Ratio:
* Savings Ratio for current year:
* Total debt service ratio (TDS ratio):
* Useful Formulae are collected to ease out your calulation burden
* Loan closure calculator: Another tool to help you calculate whether loan closure will help you financially

Financial Planning
Financial Goals
* Write down list of all your financial goals. Try to contain the most important goals and limit the no to 5-6
* Write future value of all goals in Portfolio movement according to the year of financial goal realization
* According to the planned retirement age, Net portfolio value and annual expenses check up to what age
* Add your gold accumulation plan according to your asset preferance, age, risk averseness, family
Investment Maturity
* Collect information of all your investments at one place. Google docs does not support effective sorting as

Year for calendar:

2010

CALENDER FOR

2010

JANUARY

FEBRUARY

MARCH

WKSUN
MON
TUE
WED
THUFRISAT

WKSUN
MON
TUE
WED
THUFRISAT

WKSUN
MON
TUE
WED
THUFRISAT

1 0 0 0 0 0 1 2

6 0 1 2 3 4 5 6

# 0 1 2 3 4 5 6

2 3 4 5 6 7 8 9

7 7 8 9 # 11 # #

11 7 8 9 # 11 # #

3 # 11 # # # # #

8 # # # # # # #

# # # # # # # #

4 # # # # # # #

9 # # # # # # #

# # # # # # # #

5 # # # # # # #

# # 0 0 0 0 0 0

# # # # # 0 0 0

6 # 0 0 0 0 0 0

0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

APRIL

MAY

JUNE

WKSUN
MON
TUE
WED
THUFRISAT

WKSUN
MON
TUE
WED
THUFRISAT

WKSUN
MON
TUE
WED
THUFRISAT

# 0 0 0 0 1 2 3

# 0 0 0 0 0 0 1

# 0 0 1 2 3 4 5

# 4 5 6 7 8 9 #

# 2 3 4 5 6 7 8

# 6 7 8 9 # 11 #

# 11 # # # # # #

# 9 # 11 # # # #

# # # # # # # #

# # # # # # # #

# # # # # # # #

# # # # # # # #

# # # # # # # 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

JULY

AUGUST

SEPTEMBER

WKSUN
MON
TUE
WED
THUFRISAT

WKSUN
MON
TUE
WED
THUFRISAT

WKSUN
MON
TUE
WED
THUFRISAT

# 0 0 0 0 1 2 3

# 1 2 3 4 5 6 7

# 0 0 0 1 2 3 4

# 4 5 6 7 8 9 #

# 8 9 # 11 # # #

# 5 6 7 8 9 # 11

# 11 # # # # # #

# # # # # # # #

# # # # # # # #

# # # # # # # #

# # # # # # # #

# # # # # # # #

# # # # # # # #

# # # # 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

OCTOBER

NOVEMBER

DECEMBER

WKSUN
MON
TUE
WED
THUFRISAT

WKSUN
MON
TUE
WED
THUFRISAT

WKSUN
MON
TUE
WED
THUFRISAT

# 0 0 0 0 0 1 2

# 0 1 2 3 4 5 6

# 0 0 0 1 2 3 4

# 3 4 5 6 7 8 9

# 7 8 9 # 11 # #

# 5 6 7 8 9 # 11

# # 11 # # # # #

# # # # # # # #

# # # # # # # #

# # # # # # # #

# # # # # # # #

# # # # # # # #

# # # # # # # #

# # # # 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