Monthly Budget
Total Projected Cost Total Actual Cost Total Difference
$0
$0
$0
Housing
Mortgage Phone Energy Water, sewer & trash Cable
Projected Cost
Actual Cost
Difference $0 $0 $0 $0 $0 $0 $0
Maintenance or repairs Supplies Other Subtotals
$0 $0 $0 $0
$0
$0
Transportation
Vehicle payment Insurance Licensing Fuel Maintenance Other Subtotals $0 $0 $0 $0 $0 $0 $0
$0
$0
Insurance
Home Health - Major Medical Life Other Subtotals $0 $0 $0 $0 $0
$0
$0
Food
Groceries Dining out Other Subtotals $0 $0 $0 $0
$0
$0
Entertainment
TiVo Movies Sporting events Other
Subtotals
$0
$0
$0
Personal Care
Medical Hair/nails Clothing Dry cleaning Other Subtotals $0 $0 $0 $0 $0 $0
$0
$0
Projected Monthly Income Income 1 Income 2 Total monthly income Actual Monthly Income Income 1 Income 2 Total monthly income Projected balance (Projected income minus expenses) Actual balance (Actual income minus expenses) Difference (Actual minus projected)
$0
$0 $0
$0 $0
Projected Cost
Actual Cost
Difference $0 $0 $0 $0 $0 $0 $0
Loans
Car Loan Personal Loan Credit Card # 1 Credit Card # 2 Other Subtotals $0 $0
Taxes
Federal State Local Other Subtotals $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
$0
Savings or Investments
Bank Investment account Other Subtotals $0 $0 $0 $0 $0 $0 $0 $0
$0
Gifts and Donations
Charity 1 Charity 2 Charity 3 $0 $0 $0 $0 $0 $0
Subtotals
$0
$0
$0
Monthly Budget
Income Paychecks Interest Fixed Expenses Apartment Con Ed RCN Credit Card Variable Expenses Food Entertainment Totals Income Fixed Exp. Variable Exp. Total Exp. $0.00 $0.00 $0.00 $0.00
Disposable Income $0.00
Net Worth Calculator
8/12/2008
Age: Income: $ Net Worth: $
27 85,000 4,585
Assets
Personal Items Home Vehicles Jewelry Artwork Furniture Electronics Antiques Other Cash or Cash Equivalent Checking account Savings account Certificates of deposit Money market account (ING) Life insurance (cash value) Other Investments Roth IRA (His) Roth IRA (Hers) Mutual funds Individual stock shares Real estate other than home Other $ $ 1,250 1,000 Estimated Value $ 5,000 1,000 1,000 1,000 -
Liabilities
Loan Balances Mortgage loan Home equity loan Car loans Real estate loans Student loans Personal loans Other Outstanding Debt Credit card debt Other debt $ Estimated Value $ 5,000 665 Annualized Income His 1 Hers 1 His 2 Hers 2 Total
Assets Total Net Worth:
$ $
10,250 4,585
Liabilities Total Debt-to-Assets Ratio Debt-to-Net Income
$
5,665 55.3% 19.7%
Millionaire Next Door estimate: PAW (or Balance Sheet Affluent) Level:
$ $
229,500 459,000
Debt-to-Gross Income
15.7%
Net 1,200 1,200
Gross 1,500 1,500
2,400 28,800
3,000 36,000
Mortgage Calculator
Inputs Loan principal amount Annual interest rate Loan period in years Original month of loan Original year of loan Monthly Prepay for life of Mortgage $200,000.00 6.375% 30 January 2006 $0.00 Key Figures Monthly payments Annual loan payments Interest in first calendar year Interest over term of loan Sum of all payments Years to payoff
Amortization Schedule Year 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2009 2009 2009 2009 2009 2009 2009 2009 2009 Month Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Monthly Prepay Beginning Cumulative Payment Principal Interest Balance Principal $200,000.00 $1,247.74 $185.24 $1,062.50 $185.24 199,814.76 1,247.74 186.22 $1,061.52 371.46 199,628.54 1,247.74 187.21 $1,060.53 558.68 199,441.32 1,247.74 188.21 $1,059.53 746.88 199,253.12 1,247.74 189.21 $1,058.53 936.09 199,063.91 1,247.74 190.21 $1,057.53 1,126.31 198,873.69 1,247.74 191.22 $1,056.52 1,317.53 198,682.47 1,247.74 192.24 $1,055.50 1,509.77 198,490.23 1,247.74 193.26 $1,054.48 1,703.03 198,296.97 1,247.74 194.29 $1,053.45 1,897.32 198,102.68 1,247.74 195.32 $1,052.42 2,092.63 197,907.37 1,247.74 196.36 $1,051.38 2,288.99 197,711.01 1,247.74 197.40 $1,050.34 2,486.39 197,513.61 1,247.74 198.45 $1,049.29 2,684.84 197,315.16 1,247.74 199.50 $1,048.24 2,884.34 197,115.66 1,247.74 200.56 $1,047.18 3,084.91 196,915.09 1,247.74 201.63 $1,046.11 3,286.53 196,713.47 1,247.74 202.70 $1,045.04 3,489.23 196,510.77 1,247.74 203.78 $1,043.96 3,693.01 196,306.99 1,247.74 204.86 $1,042.88 3,897.87 196,102.13 1,247.74 205.95 $1,041.79 4,103.82 195,896.18 1,247.74 207.04 $1,040.70 4,310.86 195,689.14 1,247.74 208.14 $1,039.60 4,519.00 195,481.00 1,247.74 209.25 $1,038.49 4,728.25 195,271.75 1,247.74 210.36 $1,037.38 4,938.60 195,061.40 1,247.74 211.48 $1,036.26 5,150.08 194,849.92 1,247.74 212.60 $1,035.14 5,362.68 194,637.32 1,247.74 213.73 $1,034.01 5,576.41 194,423.59 1,247.74 214.86 $1,032.88 5,791.27 194,208.73 1,247.74 216.01 $1,031.73 6,007.28 193,992.72 1,247.74 217.15 $1,030.59 6,224.43 193,775.57 1,247.74 218.31 $1,029.43 6,442.74 193,557.26 1,247.74 219.47 $1,028.27 6,662.21 193,337.79 1,247.74 220.63 $1,027.11 6,882.84 193,117.16 1,247.74 221.80 $1,025.93 7,104.64 192,895.36 1,247.74 222.98 $1,024.76 7,327.63 192,672.37 1,247.74 224.17 $1,023.57 7,551.80 192,448.20 1,247.74 225.36 $1,022.38 7,777.15 192,222.85 1,247.74 226.56 $1,021.18 8,003.71 191,996.29 1,247.74 227.76 $1,019.98 8,231.47 191,768.53 1,247.74 228.97 $1,018.77 8,460.44 191,539.56 1,247.74 230.19 $1,017.55 8,690.63 191,309.37 1,247.74 231.41 $1,016.33 8,922.03 191,077.97 1,247.74 232.64 $1,015.10 9,154.67 190,845.33 1,247.74 233.87 $1,013.87 9,388.55
Key Figures Monthly payments Annual loan payments Interest in first calendar year Interest over term of loan Sum of all payments Years to payoff
$1,247.74 $14,972.88 $12,683.89 $249,186.33 $449,186.33 30.0
Cumulative Ending Interest Balance $1,062.50 $199,814.76 2,124.02 199,628.54 3,184.54 199,441.32 4,244.07 199,253.12 5,302.61 199,063.91 6,360.13 198,873.69 7,416.65 198,682.47 8,472.15 198,490.23 9,526.63 198,296.97 10,580.08 198,102.68 11,632.50 197,907.37 12,683.89 197,711.01 13,734.23 197,513.61 14,783.52 197,315.16 15,831.75 197,115.66 16,878.93 196,915.09 17,925.04 196,713.47 18,970.08 196,510.77 20,014.05 196,306.99 21,056.93 196,102.13 22,098.72 195,896.18 23,139.42 195,689.14 24,179.02 195,481.00 25,217.51 195,271.75 26,254.89 195,061.40 27,291.15 194,849.92 28,326.29 194,637.32 29,360.31 194,423.59 30,393.18 194,208.73 31,424.91 193,992.72 32,455.50 193,775.57 33,484.93 193,557.26 34,513.21 193,337.79 35,540.31 193,117.16 36,566.25 192,895.36 37,591.00 192,672.37 38,614.58 192,448.20 39,636.96 192,222.85 40,658.14 191,996.29 41,678.12 191,768.53 42,696.89 191,539.56 43,714.45 191,309.37 44,730.78 191,077.97 45,745.88 190,845.33 46,759.74 190,611.45
Total cost of accounts
$4,929.00 $5,699.00 $770.00 15.6%
Total Cost (Purchase Price + Fees) Current Quote Market Value Gain/Loss ($) Gain/Loss (%)
INVESTMENT PERFORMANCE
[DATE]
Value of accounts Difference $ Difference %
Investment Name
Account Name or Number
Symbol
Quantity
Purchase Price Per Share
Trade Fees
A Datum Corporation
Woodgrove Bank
ZZZZ
100
$49.00 $29.00
$4,929.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
$56.99
$5,699.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
$770.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15.6% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
Total cost of accounts
$4,929.00 $5,699.00 $770.00 15.6%
Total Cost (Purchase Price + Fees) Current Quote Market Value Gain/Loss ($) Gain/Loss (%)
INVESTMENT PERFORMANCE
[DATE]
Value of accounts Difference $ Difference %
Investment Name
Account Name or Number
Symbol
Quantity
Purchase Price Per Share
Trade Fees
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
As of 8/12/2008
Monthly Payment Chart (Sept-Dec 2004)
Account Auto Pmt N Y Y Y $ $ $ $ $ $ $ $ $ $ $ $ $ Payment 100.00 50.00 100.00 250.00 100.00 600.00 350.00 250.00 J F M A M J J A S O N D x x x x x
Due Date 1 6 15 20 Mortgage
Car Ins. TiVo Student loan
20 22 25 28 29 30
Visa Credit Card Cable Gas/Electric Water/Trash Phone
N N N N N Y
Total $ Paid $ Remaining $
As of 8/12/2008
Monthly Payment Chart (Sept-Dec 2004)
Jan 100 50 100 100
Feb
Mar April
May June
July
Aug Sept
Oct
Total
350
-
-
-
-
-
-
-
-
-
As of 8/12/2008
Monthly Payment Chart (Sept-Dec 2004)
Nov
Dec
-
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