Documentos de Académico
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Cash outflows
House running
House Rent
Clothing
Transportation
Communication
Education
Medical
Entertainment
Holidays
Car / House EMI
Assets purchased
Asset Maintenance exp.
Social contribution
Other expenses
Expenses for special events
Opening savings
Savings for the year
closing savings
Total outflow
Overall assets
Assumptions
d expenses like grocery, water, electricity, servantand small one time purchases below Rs 3000 ( like utensils b
the house
for Husband and Wife - these are your assumptions and you can put your number
nflation (this is your estimate -you can put your number)
your investment Returns - how well you are able to perform in the investment of your savings
Month
Cash Inflows
Sunil's Salary and annual bonus
Smita's salary and annual bonus
Any other inflow
Passive Income from assets
Total cash inflows
Month
Cash outflows
House running
House Rent
Clothing
Transportation
Communication
Education
Medical
Entertainment
Holidays
Car / House EMI
Assets purchased
Asset Maintenance exp.
Social contribution
Other expenses
Expenses for special events
Total cash outflows
Month
Overall assets
Opening savings
Savings for the year
closing savings
Assumptions
Sunil's salary hike
Smita's salary hike
Inflation
Return on assets
Jan
Feb
83333
41667
0
8333
133333
Jan
83333
41667
0
8333
133333
Feb
15000
15000
4167
2500
1500
5833
833
3000
3333
0
3750
833
833
1250
15000
15000
4167
2500
1500
5833
833
3000
3333
0
3750
833
833
1250
62000
Jan
62000
Feb
1000000
71333
1071333
1071333
71333
1142667
Living Expenses:
Passive income
Gap:
March
April
May
June
July
Aug
83333
41667
0
8333
133333
March
83333
41667
0
8333
133333
April
83333
41667
0
8333
133333
May
83333
41667
0
8333
133333
June
83333
41667
0
8333
133333
July
83333
41667
0
8333
133333
Aug
15000
15000
4167
2500
1500
5833
833
3000
3333
0
3750
833
833
1250
15000
15000
4167
2500
1500
5833
833
3000
3333
0
3750
833
833
1250
50000
62000
May
15000
15000
4167
2500
1500
5833
833
3000
3333
0
3750
833
833
1250
15000
15000
4167
2500
1500
5833
833
3000
3333
0
3750
833
833
1250
15000
15000
4167
2500
1500
5833
833
3000
3333
0
3750
833
833
1250
62000
March
15000
15000
4167
2500
1500
5833
833
3000
3333
0
3750
833
833
1250
0
62000
April
62000
June
62000
July
62000
Aug
1142667
71333
1214000
1214000
71333
1285333
1285333
71333
1356667
1356667
71333
1428000
1428000
71333
1499333
1499333
71333
1570667
Sept
Oct
Nov
Dec
Total
83333
41667
0
8333
133333
Sept
83333
41667
0
8333
133333
Oct
83333
41667
0
8333
133333
Nov
83333
41667
0
8333
133333
Dec
1000000
500000
15000
15000
4167
2500
1500
5833
833
3000
3333
0
3750
833
833
1250
15000
15000
4167
2500
1500
5833
833
3000
3333
0
3750
833
833
1250
15000
15000
4167
2500
1500
5833
833
3000
3333
0
3750
833
833
1250
15000
15000
4167
2500
1500
5833
833
3000
3333
0
3750
833
833
1250
180,000
180,000
50,000
30,000
18,000
70,000
10,000
36,000
40,000
62000
Sept
62000
Oct
62000
Nov
62000
Dec
45,000
10,000
10,000
15,000
50000
744,000
Total
1570667
71333
1642000
1642000
71333
1713333
1713333
71333
1784667
1784667
71333
1856000
1000000
856000
1856000
100000
1600000
Total
Year
Cash Inflows
Sunil's Salary and annual bonus
Smita's salary and annual bonus
Any other inflow
Passive Income from assets
Total cash inflows
Cash outflows
House running
House Rent
Clothing
Transportation
Communication
Education
Medical
Entertainment
Holidays
Car / House EMI
Assets purchased
Asset Maintenance exp.
Social contribution
Other expenses
Expenses for special events
Total cash outflows
Year
Overall assets
Opening savings
Savings for the year
closing savings
Assumptions
Sunil's salary hike
Smita's salary hike
Inflation
Return on assets
2012
2013
2014
1000000
500000
1050000
525000
1260000
577500
100000
1600000
278400
1853400
441900
2279400
180,000
180,000
50,000
30,000
18,000
70,000
10,000
36,000
40,000
198000
198000
55000
33000
19800
77000
11000
39600
44000
217800
217800
60500
36300
21780
84700
12100
43560
48400
45,000
10,000
10,000
15,000
50000
744000
2012
49500
11000
11000
16500
1000000
856000
1856000
10.00%
15.00%
763400
2013
54450
10000
4000
15000
800000
1626390
2014
1856000
1090000
2946000
2946000
653010
3599010
5%
5%
10.00%
15.00%
20%
10%
10.00%
15.00%
Living Expenses:
Passive income
Gap:
744000.0
100000
-644000
763400.0
1626390.0
278400
441900
-485000
-1184490
2015
2016
2017
2018
2019
2020
1348200
606375
1617840
667013
1860516
700363
930258
770399
1116310
808919
1194451
889811
539852
2494427
777646
3062499
1087495
3648374
1222202
2922859
1402112
3327341
1677798
3762060
239580
239580
66550
39930
23958
93170
13310
47916
53240
0
59895
12000
5000
15000
263538
263538
73205
43923
26354
102487
14641
52708
58564
0
65885
12000
5000
15000
318881
318881
88578
53147
31888
124009
17716
63776
70862
516000
79720
15000
5000
20000
350769
0
97436
58462
35077
136410
19487
70154
77949
516000
87692
15000
5000
20000
385846
0
107179
64308
38585
150051
21436
77169
85744
516000
96461
15000
5000
20000
909129
2015
996841.9
2016
289892
289892
80526
48315
28989
112736
16105
57978
64420
516000
72473
150000
5000
18000
1000000
2750326.09
2017
3599010
5184307.5 7249964.225 8148011.8938 9347412.41631 11185317.7972
1585297.5 2065656.725 898047.66875 1199400.5226 1837905.38092 2179281.25191
5184307.5 7249964.225 8148011.8938 9347412.4163 11185317.7972 13364599.0491
7%
5%
10.00%
15.00%
20%
10%
10.00%
15.00%
15%
5%
10.00%
15.00%
5%
10%
10.00%
15.00%
20%
5%
10.00%
15.00%
7%
10%
10.00%
15.00%
909129.0
996841.9
2750326.1
1723458.7
1489435.5
1582779.0
539852
777646
1087495 1,222,201.78
1402112
1677798
-369277.5 -219195.775 -1662831.456 -501256.91494 -87323.628453 95018.6295952
2021
2022
2023
2024
2025
1433342
934302
1648343
1027732
1730760
1079119
2076912
1187031
2222296
1246382
2004690
4372333
2121971
4798046
2571168
5381046
3089178
6353121
2804704
6273382
424431
466874
513561
564917
621409
0
0
0
0
0
117897
129687
142656
156921
172614
70738
77812
85594
94153
103568
42443
46687
51356
56492
62141
165056
181562
199718
3200000
3200000
23579
25937
28531
31384
34523
84886
93375
102712
112983
124282
94318
103750
114125
125537
138091
516000
516000
516000
516000
516000
106108
116718
128390
141229
155352
20000
20000
20000
20000
25000
5000
5000
5000
5000
5000
20000
20000
20000
25000
25000
1900000
3200000
3590456.94399 1803402.63839 1927642.90223 8249617.20608 5182978.92669
2021
2022
2023
2024
2025
20%
5%
10.00%
15.00%
15%
10%
10.00%
15.00%
5%
5%
10.00%
15.00%
20%
10%
10.00%
15.00%
7%
5%
10.00%
15.00%
3590456.9
1803402.6
1927642.9
8249617.2
2004690
2121971
2571168
3089178
-1585767.0866 318568.672625 643524.939426 -5160438.8323
5182978.9
2804704
-2378275.009
2026
2027
2028
2029
2030
2666755
1371020
3066768
1439571
3220106
1583528
3864128
1662705
4134617
1828975
2968264
7006040
3220094
7726433
3136685
7940319
3959731
9486564
4,985,773.65
10949366
683550
0
189875
113925
68355
3200000
37975
136710
151900
516000
170887
25000
8000
25000
751905
827095
909805
1000785
0
0
0
0
208862
229749
252724
277996
125317
137849
151634
166798
75190
82710
90980
100079
3200000
0
0
41772
45950
50545
55599
150381
165419
181961
200157
167090
183799
202179
222397
516000
516000
516000
516000
187976
206774
227451
250196
25000
25000
25000
25000
8000
8000
8000
8000
25000
25000
30000
30000
2800000
5327176.81936 8282494.50129 2453343.95142 2646278.34656 2853006.181218
2026
2027
2028
2029
2030
20%
10%
10.00%
15.00%
15%
5%
10.00%
15.00%
5%
10%
10.00%
15.00%
20%
5%
10.00%
15.00%
7%
10%
10.00%
15.00%
5327176.8
8282494.5
2453344.0
2646278.3
2968264
3220094
3136685
3959731
-2358912.4802 -5062400.7585 683340.589632 1313452.52568
2853006.2
4985774
2132767.4704
Year
Cash Inflows
Sunil's Salary and annual bonus
Smita's salary and annual bonus
Any other inflow
Passive Income from assets
Total cash inflows
Cash outflows
House running
House Rent
Clothing
Transportation
Communication
Education
Medical
Entertainment
Holidays
Car / House EMI
Assets purchased
Asset Maintenance exp.
Social contribution
Other expenses
Expenses for special events
Total cash outflows
Year
Overall assets
Opening savings
Savings for the year
closing savings
Assumptions
Sunil's salary hike
Smita's salary hike
Inflation
Return on assets
Living Expenses:
Passive income
Gap: