Cashflow and Networth Analyzer Sheet

CashFlow

Your Yearly
Surplus is
Rs 267000

Networth

Your Networth
is Rs 6900000

Income

Yearly Amount

Expenses

From Salary
From Business
From Interest/Dividend
Other Passive Income
Other Income

1200000
250000

Rent
Groceries/Domestic Expense
Utilities/Phone/Internet/Bills
Entertainment/Eating Out
Life/Health/Other Premium
Investments per year
Home/Education/Car EMI
Other EMI's
Other Expenses

Total

1450000

Total

Assets

Current Worth

Liabilities

Shares
Mutual Funds/ETF/Index Fund
Fixed/Recurring Deposits
PPF/EPF
Real Estate
ULIP's/Pension Plans
Gold/other Jewelery
Life Insurance Policies Worth
Bonds/NSC/KVP/Others
Cash

Total
0

1000000
0
0
6000000
0
0
0
0
250000
7250000

Not that Great

Home Loan
Education Loan
Auto/Car Loan
Personal Loan
Credit Card Debt
Any Other Loan

Total
1 OK, but can be improved

Disclaimer: This analyzer follows some methodologies and is based on some thinking which should
your view of thinking does not match with it. Take this analyzer with caution

Basic Survival

This is the expenses required for your minimum existence like Rent, Groceries

High Growth

High growth category refers to all the equity and real estate investments , Hig

www.jagoinvestor.com
Expenses

Yearly Amount

Rent
Groceries/Domestic Expenses
Utilities/Phone/Internet/Bills
Entertainment/Eating Out
Life/Health/Other Premium
Investments per year
Home/Education/Car EMI

0
300000
150000
60000
60000
600000
13000

Other EMI's
Other Expenses

0
0

Total

1183000

Liabilities

Current Worth

Home Loan
Education Loan
Auto/Car Loan
Personal Loan
Credit Card Debt
Any Other Loan

Click he

What part of your income you spend on Entertainmen

What part of your income are you Investing each yea

What part of income goes into Premiums for Life/Hea

What part of your Income is Passive Income ?

How much part of your total expenses is your basic s

Groceries+Bills) ?

350000

What part of your Basic survival expenses can your p

How much of your assets are into high growth catego

How much of your overall debt is "good debt" (where

What part of your assets can be liquidated Easily (In

How many times your yearly surplus is your networth

How long can your networth support your basic survi

Total

OK, but can be improved

350000

How long can your networth support all your current

2 Overall Good

on some thinking which should be taken as a general viewpoint . It might happen that
h caution

xistence like Rent, Groceries and Regular Bills, these are the first 3 numbers of your expenses

eal estate investments , High growth assets are those where you investmetns are increases more than inflat

Click here to go to EXPENSES OPTIMIZATION section

(After filling up this sheet)

4%

Good

41%

Good

nto Premiums for Life/Health Policies ?

4%

Average

s Passive Income ?

0%

Bad

77%

Average

rvival expenses can your passive income cover ?

0%

Bad

re into high growth category (Equity + Real Estate) ?

97%

Good

debt is "good debt" (where assets value increase)?

0%

Bad

an be liquidated Easily (In few days/weeks) ?

17%

Bad

y surplus is your networth ?

25.8 times

Average

h support your basic survival expenses ?

184 months

Good

h support all your current expenses ?

145 months

Good

Final Status

ou spend on Entertainment/Eating Out ?

are you Investing each year ?

al expenses is your basic survival (Rent +

1.08

ur expenses
increases more than inflation

Good
Good
Average
Bad
Average
Bad
Good
Bad
Bad
Average
Good
Good

Expenses Optimization
Category
Rent

Your Optimization will reduce you

Yearly Expenses Monthly Expenses

Reduction
Scope

20%

Groceries/Domestic Expenses

300000

25000

15%

Utilities/Phone/Internet/Bills

150000

12500

Entertainment/Eating Out

60000

5000

Life/Health/Other Premium

60000

5000

Home/Education/Car EMI

13000

1083

Other EMI's

Other Expenses

1183000

48583

Total

Green

cells indicate top 3 expenses in your financial life

imization will reduce your expenses by

Possible Monthly
Expenses after
Optimization
0
21250
12500
5000
5000
1083
0
0
44833
3 expenses in your financial life

7.7%

, which is Rs 3750/month

Write down what you can do about this expense, Think hard and find out what all st
to find alternatives or tips and tricks to lower down the expenses. Not just eliminate

nk hard and find out what all steps you can take to optimize this expense . The idea is
he expenses. Not just eliminate something !