wealth planner

8/3/2019 Wealth Planner

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Name: Date:

A. Earned Income How Much Do You Keep?

Salary or Commissions Cash Flow/Total Income

Business (NET) ***should be increasing

Earned Total -PHP

B. Passive Income Does Your Money Work For You?

Real Estate (NET) Passive+Portfolio/Total Inc

Business (NET) ***should be increasing

Passive Total -PHP

C. Portfolio Income How Much Do You Pay In Taxes?

Interest Taxes/Total Income

Dividends

Royalties How Much Goes to Housing?

Portfolio Total -PHP Housing Expenses/Income

D. TOTAL INCOME -PHP ***keep under 33 percent

How Much Do You Spend on Dooda

E. Expenses Doodad Total/Banker AssetsTaxes (Income) ***keep under 33 percent

Taxes (Real Estate)

Home Mortgage (or Rent) What Is Your Return On Assets?

Utilities Pass+Port/IMG Assets

Maintenance ***should be increasing

Home Insurance

Food and Clothing How Wealthy Are You?

Tithing IMG Assets/Expenses

Credit Cards ***measured in months

Personal Loans

Car Loans

Educational Expenses

Life Insurance

Healthcare

Monthly Contributions

E. TOTAL EXPENSES -PHP

NET MONTHLY CASH FLOW -PHP

F. ASSETS J. LIABILITIES

Bank Accounts Credit Cards

Stocks and Bonds Car Loans

Mutual Funds School Loans

Receivables Home MortgageReal Estate (income producing) Personal Loans

Long-term Healthcare Other Debt

Business Value (NET) Other Debt

Other Debt

F. ASSETS SUBTOTAL -PHP J. TOTAL LIABILITIES

G. DOODADS

INCOME ANALYSIS

EXPENSES

ASSETS LIABILITIES


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Home

Car(s)Other

G. DOODADS TOTAL -PHP

K. NET WORTH per Banker

H. TOTAL ASSETS per Banker -PHP

I. NET WORTH per IMG

I. TOTAL ASSETS per IMG -PHP


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#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

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#DIV/0!

#DIV/0!

#DIV/0!

-PHP


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-PHP

-PHP


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Monthly IncomeMonthly ExpensesNet Monthly Cash FlowTotal Assets (Income Producing)

Total LiabilitiesNet WorthWhat 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 retirementYears to investYour 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 monthAmount you need to add to your monthly cash flow

What age will you start investingWhat is the average interest rate of your investments?

Your investment or savings at retirement?

Is your passive income enough?

Your Start of InvestmentHow many Years Delayed

Amount you will loose by retirement

YOUR PERSONAL FINANCIAL P


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PHP 0.00PHP 0.00PHP 0.00PHP 0.00

PHP 0.00PHP 0.00PHP 0.00

PHP 0.00

NOW

OFILE


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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


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Age Amount per Month Yearly Investments Interest Rate Compounding Amount

25 PHP 5,000.00 PHP 60,000.00 8% PHP 64,800 input desired f

26 PHP 5,000.00 PHP 60,000.00 8% PHP 134,784

27 PHP 5,000.00 PHP 60,000.00 8% PHP 210,367

28 PHP 5,000.00 PHP 60,000.00 8% PHP 291,996

29 PHP 5,000.00 PHP 60,000.00 8% PHP 380,156

30 PHP 5,000.00 PHP 60,000.00 8% PHP 475,368

31 PHP 5,000.00 PHP 60,000.00 8% PHP 578,198

32 PHP 5,000.00 PHP 60,000.00 8% PHP 689,253

33 PHP 5,000.00 PHP 60,000.00 8% PHP 809,194

34 PHP 5,000.00 PHP 60,000.00 8% PHP 938,729

35 PHP 5,000.00 PHP 60,000.00 8% PHP 1,078,628

36 PHP 5,000.00 PHP 60,000.00 8% PHP 1,229,718

37 PHP 5,000.00 PHP 60,000.00 8% PHP 1,392,895

38 PHP 5,000.00 PHP 60,000.00 8% PHP 1,569,127

39 PHP 5,000.00 PHP 60,000.00 8% PHP 1,759,457

40 PHP 5,000.00 PHP 60,000.00 8% PHP 1,965,014

41 PHP 5,000.00 PHP 60,000.00 8% PHP 2,187,015

42 PHP 5,000.00 PHP 60,000.00 8% PHP 2,426,776

43 PHP 5,000.00 PHP 60,000.00 8% PHP 2,685,718

44 PHP 5,000.00 PHP 60,000.00 8% PHP 2,965,375

45 PHP 5,000.00 PHP 60,000.00 8% PHP 3,267,405

46 PHP 5,000.00 PHP 60,000.00 8% PHP 3,593,598

47 PHP 5,000.00 PHP 60,000.00 8% PHP 3,945,886

48 PHP 5,000.00 PHP 60,000.00 8% PHP 4,326,356

49 PHP 5,000.00 PHP 60,000.00 8% PHP 4,737,265

50 PHP 5,000.00 PHP 60,000.00 8% PHP 5,181,046

51 PHP 5,000.00 PHP 60,000.00 8% PHP 5,660,330

52 PHP 5,000.00 PHP 60,000.00 8% PHP 6,177,956

53 PHP 5,000.00 PHP 60,000.00 8% PHP 6,736,993

54 PHP 5,000.00 PHP 60,000.00 8% PHP 7,340,752

55 PHP 5,000.00 PHP 60,000.00 8% PHP 7,992,812

56 PHP 5,000.00 PHP 60,000.00 8% PHP 8,697,037

57 PHP 5,000.00 PHP 60,000.00 8% PHP 9,457,60058 PHP 5,000.00 PHP 60,000.00 8% PHP 10,279,008

59 PHP 5,000.00 PHP 60,000.00 8% PHP 11,166,129

60 PHP 5,000.00 PHP 60,000.00 8% PHP 12,124,219

61 PHP 5,000.00 PHP 60,000.00 8% PHP 13,158,957

62 PHP 5,000.00 PHP 60,000.00 8% PHP 14,276,473

63 PHP 5,000.00 PHP 60,000.00 8% PHP 15,483,391

64 PHP 5,000.00 PHP 60,000.00 8% PHP 16,786,862

65 PHP 5,000.00 PHP 60,000.00 8% PHP 18,194,611

66 PHP 5,000.00 PHP 60,000.00 8% PHP 19,714,980

67 PHP 5,000.00 PHP 60,000.00 8% PHP 21,356,979

68 PHP 5,000.00 PHP 60,000.00 8% PHP 23,130,337

69 PHP 5,000.00 PHP 60,000.00 8% PHP 25,045,564

70 PHP 5,000.00 PHP 60,000.00 8% PHP 27,114,009

71 PHP 5,000.00 PHP 60,000.00 8% PHP 29,347,93072 PHP 5,000.00 PHP 60,000.00 8% PHP 31,760,564

73 PHP 5,000.00 PHP 60,000.00 8% PHP 34,366,209

74 PHP 5,000.00 PHP 60,000.00 8% PHP 37,180,306

75 PHP 5,000.00 PHP 60,000.00 8% PHP 40,219,531

76 PHP 5,000.00 PHP 60,000.00 8% PHP 43,501,893

77 PHP 5,000.00 PHP 60,000.00 8% PHP 47,046,845

78 PHP 5,000.00 PHP 60,000.00 8% PHP 50,875,392

79 PHP 5,000.00 PHP 60,000.00 8% PHP 55,010,223

80 PHP 5,000.00 PHP 60,000.00 8% PHP 59,475,841

81 PHP 5,000.00 PHP 60,000.00 8% PHP 64,298,709


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82 PHP 5,000.00 PHP 60,000.00 8% PHP 69,507,405

83 PHP 5,000.00 PHP 60,000.00 8% PHP 75,132,798

84 PHP 5,000.00 PHP 60,000.00 8% PHP 81,208,222

85 PHP 5,000.00 PHP 60,000.00 8% PHP 87,769,679

86 PHP 5,000.00 PHP 60,000.00 8% PHP 94,856,054

87 PHP 5,000.00 PHP 60,000.00 8% PHP 102,509,338

88 PHP 5,000.00 PHP 60,000.00 8% PHP 110,774,885

89 PHP 5,000.00 PHP 60,000.00 8% PHP 119,701,676

90 PHP 5,000.00 PHP 60,000.00 8% PHP 129,342,610

91 PHP 5,000.00 PHP 60,000.00 8% PHP 139,754,819

92 PHP 5,000.00 PHP 60,000.00 8% PHP 151,000,004

93 PHP 5,000.00 PHP 60,000.00 8% PHP 163,144,804

94 PHP 5,000.00 PHP 60,000.00 8% PHP 176,261,189

95 PHP 5,000.00 PHP 60,000.00 8% PHP 190,426,884

96 PHP 5,000.00 PHP 60,000.00 8% PHP 205,725,835

97 PHP 5,000.00 PHP 60,000.00 8% PHP 222,248,701

98 PHP 5,000.00 PHP 60,000.00 8% PHP 240,093,397

99 PHP 5,000.00 PHP 60,000.00 8% PHP 259,365,669


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igure


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Years Inflation Rate Projected Responsibility

1 8% PHP 1,200,000

2 8% PHP 1,296,000

3 8% PHP 1,399,680

4 8% PHP 1,511,654

5 8% PHP 1,632,587

6 8% PHP 1,763,194

7 8% PHP 1,904,249

8 8% PHP 2,056,589

9 8% PHP 2,221,116

10 8% PHP 2,398,806

11 8% PHP 2,590,710

12 8% PHP 2,797,967

13 8% PHP 3,021,804

14 8% PHP 3,263,548

15 8% PHP 3,524,632

16 8% PHP 3,806,603

17 8% PHP 4,111,131

18 8% PHP 4,440,022

19 8% PHP 4,795,223

20 8% PHP 5,178,841

21 8% PHP 5,593,149

22 8% PHP 6,040,600

23 8% PHP 6,523,848

24 8% PHP 7,045,756

25 8% PHP 7,609,417

26 8% PHP 8,218,170

27 8% PHP 8,875,624

28 8% PHP 9,585,674

29 8% PHP 10,352,528

30 8% PHP 11,180,730

31 8% PHP 12,075,188

32 8% PHP 13,041,203

33 8% PHP 14,084,500

34 8% PHP 15,211,26035 8% PHP 16,428,160

36 8% PHP 17,742,413

37 8% PHP 19,161,806

38 8% PHP 20,694,751

39 8% PHP 22,350,331

40 8% PHP 24,138,357

41 8% PHP 26,069,426

42 8% PHP 28,154,980

43 8% PHP 30,407,378

44 8% PHP 32,839,969

45 8% PHP 35,467,166

46 8% PHP 38,304,539

47 8% PHP 41,368,902

48 8% PHP 44,678,41549 8% PHP 48,252,688

50 8% PHP 52,112,903

51 8% PHP 56,281,935

52 8% PHP 60,784,490

53 8% PHP 65,647,249

54 8% PHP 70,899,029

55 8% PHP 76,570,951

56 8% PHP 82,696,627

57 8% PHP 89,312,358

58 8% PHP 96,457,346


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59 8% PHP 104,173,934

60 8% PHP 112,507,849

61 8% PHP 121,508,476

62 8% PHP 131,229,155

63 8% PHP 141,727,487

64 8% PHP 153,065,686

65 8% PHP 165,310,941

66 8% PHP 178,535,816

67 8% PHP 192,818,681

68 8% PHP 208,244,176

69 8% PHP 224,903,710

70 8% PHP 242,896,007

71 8% PHP 262,327,687

72 8% PHP 283,313,902

73 8% PHP 305,979,014

74 8% PHP 330,457,335

75 8% PHP 356,893,922

76 8% PHP 385,445,436

77 8% PHP 416,281,071

78 8% PHP 449,583,556

79 8% PHP 485,550,241

80 8% PHP 524,394,260

81 8% PHP 566,345,801

82 8% PHP 611,653,465

83 8% PHP 660,585,742

84 8% PHP 713,432,602

85 8% PHP 770,507,210

86 8% PHP 832,147,787

87 8% PHP 898,719,610

88 8% PHP 970,617,178

89 8% PHP 1,048,266,553

90 8% PHP 1,132,127,877

91 8% PHP 1,222,698,107

92 8% PHP 1,320,513,956

93 8% PHP 1,426,155,07294 8% PHP 1,540,247,478

95 8% PHP 1,663,467,276

96 8% PHP 1,796,544,658

97 8% PHP 1,940,268,231

98 8% PHP 2,095,489,689

99 8% PHP 2,263,128,865

100 8% PHP 2,444,179,174

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