Cash Inflows

Salary and annual bonus

Any other inflow
Passive Income from assets
Total Inflow

All salary and bonus - post tax

One time inflows (post tax) that m
Post tax cash inflows from assets
Addition of all the above items

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

All household expenses like groce

rent paid for the house

Opening savings
Savings for the year
closing savings

Cash at hand as you start this exe

Net inflows minus net outflows fo
Opening savings plus savings for

Sunil and Smita's salary hike

Inflation
Return on assets

Salary hikes for Husband and Wife

estimated inflation (this is your es
estimate of your investment Retu

Total outflow

Bus, Auto, parking, petrol, mainte

land line, mobile, internet charge
All expenses on school for kids, b
All medical expenses plus medica
Movies, picnics, eat outs etc
Outstation holidays
EMI's to be paid for loans taken
All items bought above Rs 3000 e
maintenance of assets ( real esta
Contribution towards welfare of o
Any expenses that does not come
Special events like Wedding, Child
Addition of all the above outflow i

Overall assets

Assumptions

d bonus - post tax

flows (post tax) that may happen like Joining bonus for a new job, lottery wins etc
h inflows from assets built ( eg - rental income from house owned)

all the above items

d expenses like grocery, water, electricity, servantand small one time purchases below Rs 3000 ( like utensils b
the house

arking, petrol, maintenance of vehicle, insurance for vehicle etc

obile, internet charges
s on school for kids, books for self, training course for self etc
expenses plus medical insurance
ics, eat outs etc

paid for loans taken

ught above Rs 3000 eg- Vehicle, Fridge, TV etc
e of assets ( real estate, car, Fridhe, TV etc) owned
towards welfare of others
es that does not come in any abolve categories
nts like Wedding, Child birth, Medical emergencies, School admission, College Admission, Car purchase etc
all the above outflow items

d as you start this exercise

minus net outflows for the year
vings plus savings for the year

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

Rs 3000 ( like utensils bought) etc

n, Car purchase etc

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

1723458.699 1489435.4909 1582779.03999

2018
2019
2020

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

13364599.0491 14146475.4068 17141118.9443 20594522.492 18698026.1181

781876.35761 2994643.5376 3453403.54765 -1896496.3739 1090402.80973
14146475.4068 17141118.9443 20594522.492 18698026.1181 19788428.9278

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

19788428.9278 21467291.6185 20911230.2737 26398205.8149 33238491.01079

1678862.69067 -556061.34479 5486975.54124 6840285.19587 8096359.574572
21467291.6185 20911230.2737 26398205.8149 33238491.0108 41334850.58536

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: