Name:

Date:

INCOME
A. Earned Income
Salary or Commissions
Business (NET)
Earned Total
B. Passive Income
Real Estate (NET)
Business (NET)
Passive Total
C. Portfolio Income
Interest
Dividends
Royalties
Portfolio Total
D. TOTAL INCOME

ANALYSIS
How Much Do You Keep?
Cash Flow/Total Income
***should be increasing

PHP

Does Your Money Work For You?

Passive+Portfolio/Total Inc
***should be increasing

PHP

How Much Do You Pay In Taxes?

Taxes/Total Income

PHP
PHP

EXPENSES
E. Expenses
Taxes (Income)
Taxes (Real Estate)
Home Mortgage (or Rent)
Utilities
Maintenance
Home Insurance
Food and Clothing
Tithing
Credit Cards
Personal Loans
Car Loans
Educational Expenses
Life Insurance
Healthcare
Monthly Contributions
E. TOTAL EXPENSES

PHP

NET MONTHLY CASH FLOW

PHP

G. DOODADS

***keep under 33 percent

How Much Do You Spend on Doodads?

Doodad Total/Banker Assets
***keep under 33 percent

What Is Your Return On Assets?

Pass+Port/IMG Assets
***should be increasing

How Wealthy Are You?

IMG Assets/Expenses
***measured in months

ASSETS
F. ASSETS
Bank Accounts
Stocks and Bonds
Mutual Funds
Receivables
Real Estate (income producing)
Long-term Healthcare
Business Value (NET)
F. ASSETS SUBTOTAL

How Much Goes to Housing?

Housing Expenses/Income

PHP

LIABILITIES
J. LIABILITIES
Credit Cards
Car Loans
School Loans
Home Mortgage
Personal Loans
Other Debt
Other Debt
Other Debt
J. TOTAL LIABILITIES

Home
Car(s)
Other
G. DOODADS TOTAL

PHP

H. TOTAL ASSETS per Banker

PHP

I. TOTAL ASSETS per IMG

PHP

K. NET WORTH per Banker

I. NET WORTH per IMG

ANALYSIS
#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

nd on Doodads?
#DIV/0!

#DIV/0!

#DIV/0!

IABILITIES

PHP

PHP

PHP

YOUR PERSONAL FINANCIAL PROFILE

Monthly Income
Monthly Expenses
Net Monthly Cash Flow
Total Assets (Income Producing)
Total Liabilities
Net Worth
What is your current expected net worth?
What is your age?
What age do you want to retire?
Until what age do you want to live? Assumption only
Years without active Income due to retirement
Years to invest
Your current responsibility (10 x your annual expenses)
Your responsibility at your retirement age?
How much do you want to save per month?
Amount you can save per month
Amount you need to add to your monthly cash flow
What age will you start investing
What is the average interest rate of your investments?
Your investment or savings at retirement?
Is your passive income enough?
Your Start of Investment
How many Years Delayed
Amount you will loose by retirement

NCIAL PROFILE

PHP
PHP
PHP
PHP
PHP
PHP
PHP

0.00
0.00
0.00
0.00
0.00
0.00
0.00

PHP 0.00

NOW

You must be equal or above this amount

Your passive income must be enough for this period to survive

This is the amount of money you need after retirement factoring inflation

Based on your networth calculator

Must be bigger than your responsibility

This is the cost of delaying time

Age

Amount per Month

Yearly Investments

Interest Rate

Compounding Amount

25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81

PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00

PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00

8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%

PHP 64,800
PHP 134,784
PHP 210,367
PHP 291,996
PHP 380,156
PHP 475,368
PHP 578,198
PHP 689,253
PHP 809,194
PHP 938,729
PHP 1,078,628
PHP 1,229,718
PHP 1,392,895
PHP 1,569,127
PHP 1,759,457
PHP 1,965,014
PHP 2,187,015
PHP 2,426,776
PHP 2,685,718
PHP 2,965,375
PHP 3,267,405
PHP 3,593,598
PHP 3,945,886
PHP 4,326,356
PHP 4,737,265
PHP 5,181,046
PHP 5,660,330
PHP 6,177,956
PHP 6,736,993
PHP 7,340,752
PHP 7,992,812
PHP 8,697,037
PHP 9,457,600
PHP 10,279,008
PHP 11,166,129
PHP 12,124,219
PHP 13,158,957
PHP 14,276,473
PHP 15,483,391
PHP 16,786,862
PHP 18,194,611
PHP 19,714,980
PHP 21,356,979
PHP 23,130,337
PHP 25,045,564
PHP 27,114,009
PHP 29,347,930
PHP 31,760,564
PHP 34,366,209
PHP 37,180,306
PHP 40,219,531
PHP 43,501,893
PHP 47,046,845
PHP 50,875,392
PHP 55,010,223
PHP 59,475,841
PHP 64,298,709

input desired figure

82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99

PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00
PHP 5,000.00

PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00
PHP 60,000.00

8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%

PHP 69,507,405
PHP 75,132,798
PHP 81,208,222
PHP 87,769,679
PHP 94,856,054
PHP 102,509,338
PHP 110,774,885
PHP 119,701,676
PHP 129,342,610
PHP 139,754,819
PHP 151,000,004
PHP 163,144,804
PHP 176,261,189
PHP 190,426,884
PHP 205,725,835
PHP 222,248,701
PHP 240,093,397
PHP 259,365,669

input desired figure

Years
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
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58

Inflation Rate
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%

Projected Responsibility
PHP 1,200,000
PHP 1,296,000
PHP 1,399,680
PHP 1,511,654
PHP 1,632,587
PHP 1,763,194
PHP 1,904,249
PHP 2,056,589
PHP 2,221,116
PHP 2,398,806
PHP 2,590,710
PHP 2,797,967
PHP 3,021,804
PHP 3,263,548
PHP 3,524,632
PHP 3,806,603
PHP 4,111,131
PHP 4,440,022
PHP 4,795,223
PHP 5,178,841
PHP 5,593,149
PHP 6,040,600
PHP 6,523,848
PHP 7,045,756
PHP 7,609,417
PHP 8,218,170
PHP 8,875,624
PHP 9,585,674
PHP 10,352,528
PHP 11,180,730
PHP 12,075,188
PHP 13,041,203
PHP 14,084,500
PHP 15,211,260
PHP 16,428,160
PHP 17,742,413
PHP 19,161,806
PHP 20,694,751
PHP 22,350,331
PHP 24,138,357
PHP 26,069,426
PHP 28,154,980
PHP 30,407,378
PHP 32,839,969
PHP 35,467,166
PHP 38,304,539
PHP 41,368,902
PHP 44,678,415
PHP 48,252,688
PHP 52,112,903
PHP 56,281,935
PHP 60,784,490
PHP 65,647,249
PHP 70,899,029
PHP 76,570,951
PHP 82,696,627
PHP 89,312,358
PHP 96,457,346

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
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100

8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%

PHP 104,173,934
PHP 112,507,849
PHP 121,508,476
PHP 131,229,155
PHP 141,727,487
PHP 153,065,686
PHP 165,310,941
PHP 178,535,816
PHP 192,818,681
PHP 208,244,176
PHP 224,903,710
PHP 242,896,007
PHP 262,327,687
PHP 283,313,902
PHP 305,979,014
PHP 330,457,335
PHP 356,893,922
PHP 385,445,436
PHP 416,281,071
PHP 449,583,556
PHP 485,550,241
PHP 524,394,260
PHP 566,345,801
PHP 611,653,465
PHP 660,585,742
PHP 713,432,602
PHP 770,507,210
PHP 832,147,787
PHP 898,719,610
PHP 970,617,178
PHP 1,048,266,553
PHP 1,132,127,877
PHP 1,222,698,107
PHP 1,320,513,956
PHP 1,426,155,072
PHP 1,540,247,478
PHP 1,663,467,276
PHP 1,796,544,658
PHP 1,940,268,231
PHP 2,095,489,689
PHP 2,263,128,865
PHP 2,444,179,174