Você está na página 1de 11

Cash Inflows

Salary and annual bonus All salary and bonus - post tax
Any other inflow One time inflows (post tax) that may happen like Joining bonus for a new job, lott
Income from assets Post tax cash inflows from assets built ( eg - rental income from house owned)
Loans taken Cash inflows due to loans ( eg Housing loan, vehicle loan etc)
Total Inflow Addition of all the above items

Cash outflows
House running All household expenses like grocery, water, electricity, servantand small one time
House Rent rent paid for the house
Clothing
Transportation Bus, Auto, parking, petrol, maintenance of vehicle, insurance for vehicle etc
Communication land line, mobile, internet charges
Education All expenses on school for kids, books for self, training course for self etc
Medical All medical expenses plus medical insurance
Entertainment Movies, picnics, eat outs etc
Holidays Outstation holidays
Car / House EMI EMI's to be paid for loans taken
Household item purchased All items bought above Rs 3000 eg- Vehicle, Fridge, TV etc
Maintenance exp. maintenance of real estate, car, Fridhe, TV etc
Social contribution Contribution towards welfare of others
Other expenses Any expenses that does not come in any abolve categories
Loans repaid Loan repayments (principle)
Investments made Investments that will give returns over time like Equity, FD, PF etc
Special events Wedding expenses, child birth, medical emergencies etc
Total outflow Addition of all the above outflow items

Overall cash assets


Opening savings Cash at hand as you start this exercise
Savings for the year Net inflows minus net outflows for the year
closing savings Opening savings plus savings for the year

Overall non cash Assets


Opening value of assets Asset value as you start the exercise
Assets built in the year Investments during the year
Capital appreciation in the year Estimated appreciation of your assets
Closing value of assets addition of the top three values
Assumptions
Inflation estimated inflation (this is your estimate -you can put your number)
House rent increase estimated inflation in rentals
Cash flow return on assets estimate of your investment saviness - how well you are able to perform in the in
Capital appreciation on Assets How well your assets are appreciating - how good are your investments
ning bonus for a new job, lottery wins etc
ncome from house owned)

y, servantand small one time purchases below Rs 3000 ( like utensils bought) etc

nsurance for vehicle etc

ng course for self etc

ity, FD, PF etc

ut your number)
are able to perform in the investment of your savings
re your investments
Month Jan Feb March April May

Cash Inflows
Salary and annual bonus- - - - 44,075.00 44,075.00
Any other inflow
Income from assets
Total Inflow - - - 44,075.00 44,075.00

Cash outflows
Repayment of Dues (Naufal) - - - 25,500.00 -
House Rent - - - - -
Clothing - - - - -
Transportation - - - - -
Communication - - - - -
Education - - - - -
Medical - - - - -
Entertainment - - - - -
Holidays - - - - -
Car / House EMI - - - - -
Household item purchased - - - - -
Maintenance exp. - - - - -
Social contribution - - - - -
Other expenses - - - - -
Investments made - - - - -
Special events - - - - -
Total outflow - - - 25,500.00 -

Overall cash assets


Opening savings - - - 18,575.00
Savings for the month - - - 18,575.00 44,075.00
closing savings - - - 18,575.00 62,650.00
June July August September October November December Total

44,075.00 44,075.00 44,075.00 44,075.00 44,075.00 44,075.00 44,075.00 396,675.00


-
-
44,075.00 44,075.00 44,075.00 44,075.00 44,075.00 44,075.00 44,075.00 396,675.00

- - - - - - - 25,500.00
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - 25,500.00

62,650.00 106,725.00 150,800.00 194,875.00 238,950.00 283,025.00 327,100.00 -


44,075.00 44,075.00 44,075.00 44,075.00 44,075.00 44,075.00 44,075.00 371,175.00
106,725.00 150,800.00 194,875.00 238,950.00 283,025.00 327,100.00 371,175.00 371,175.00
1st child
Year 2018 2019 2020 2021

Cash Inflows
Salary and annual bonus-Bilal 396675
Any other inflow 0
Income from assets 0
Total Inflow 396675 0 0 0

Cash outflows
Repayment of Dues (Naufal) 25,500.00
House Rent -
Clothing -
Transportation -
Communication -
Education -
Medical -
Entertainment -
Holidays -
Car / House EMI -
Household item purchased -
Maintenance exp. -
Social contribution -
Other expenses -
Investments made -
Special events -
Total outflow 25500 0 0 0
Year 2018 2019 2020 2021
Overall cash assets
Opening savings 500000 871175 871175 871175
Savings for the year 371175 0 0 0
closing savings 871,175.00 871,175.00 871,175.00 871,175.00

Assumptions
Inflation 10.00% 10.00% 10.00% 10.00%
salary increase 10.00% 0.00% 30.00% 5.00%
Cash flow return on assets 10.00% 12.00% 13.00% 15.00%

Financial freedom
Total expenses 25500 0 0 0
Income from assets 0 0 0 0
Gap -25500 0 0 0
2nd child
2022 2023 2024 2025 2026 2027

0 0 0 0 0 0

0 0 0 0 0 0
2022 2023 2024 2025 2026 2027

871175 871175 871175 871175 871175 871175


0 0 0 0 0 0
871,175.00 871,175.00 871,175.00 871,175.00 871,175.00 871,175.00

10.00% 10.00% 10.00% 10.00% 10.00% 10.00%


10.00% 10.00% 0.00% 30.00% 5.00% 10.00%
15.00% 20.00% 20.00% 20.00% 20.00% 20.00%

0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
2028 2029 2030 2031 2032 2033

0 0 0 0 0 0

0 0 0 0 0 0
2028 2029 2030 2031 2032 2033

871175 871175 871175 871175 871175 871175


0 0 0 0 0 0
871,175.00 871,175.00 871,175.00 871,175.00 871,175.00 871,175.00

10.00% 10.00% 10.00% 10.00% 10.00% 10.00%


10.00% 0.00% 30.00% 5.00% 10.00% 10.00%
20.00% 20.00% 20.00% 20.00% 20.00% 20.00%

0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
2034 2035 2036 2037

0 0 0 0

0 0 0 0
2034 2035 2036 2037

871175 871175 871175 871175


0 0 0 0
871,175.00 871,175.00 871,175.00 871,175.00

10.00% 10.00% 10.00% 10.00%


0.00% 30.00% 5.00% 10.00%
20.00% 20.00% 20.00% 20.00%

0 0 0 0
0 0 0 0
0 0 0 0
Monthly Annual
House running 15000
House Rent 15000
Clothing 60000
Transportation 5000
Communication 1500
Education 1500
Medical 1500
Entertainment 3000
Holidays 36000
Car / House EMI
Assets purchased 120000
Asset Maintenance exp. 12000
Social contribution 12000
Other expenses 1500
Investments made
Special events