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personal budget planner

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personal budget planner Powered By Docstoc
					For Date

8/14/2008

Version 4.0.0a July 2006

It's important to keep an eye on your expenses, no matter what stage of life you're at. Our budget planner can help you asses and determine the amount you can afford to invest. Before making an investment decision, you should consult a financial planner.

This spreadsheet generates factual information about savings. It does not constitute a recommendation or statement of op not intended to be relied upon for the purpose of making a decision in relation to a financial product should consult your AMP Financial Planner. For more information on financial products and issues to be considered in this context, visit the AMP website.

How to use this spreadsheet

1. Enter the values in the 'blue' cells in the 'Amount' column of the 'personal budget planner' worksheet and select the freq down list. The spreadsheet will then calculate a budget for each month and your propensity to save. You can change individua ('yellow' cells) but please note that if you do this you will loose the formula within that cell. 2. Enter your assets and liabilities in the 'your current financial status' worksheet to determine you 'net wealth'.

Assumptions

1. The PAYG tax (plus medicare levy) has been calculated on the Before tax salary entered only and ignores any possible ded Tax has not been calculated on any other income. 2. PAYG tax is calculated using the personal marginal income tax rates plus medicare levy effective from 1 July 2006 with a t loading. The PAYG tax calculation takes into account Low Income Threshold at 1 July 2006. The Medicare levy rate used is 1. $16,284. No Medicare levy is calculated for salaries entered below this limit. The Medicare levy surcharge has not been inclu 3. No allowance has been made for Capital Gains Tax.

Terms and conditions

By using this budget planner you agree to be bound by these terms: 1. AMP makes no representation or warranty of any kind as to the accuracy or completeness of the information in the budget p will produce correct calculations/figures. Further, AMP is not under any obligation to update or correct any errors in the in publication. 2. AMP and its directors, officers, employees, consultants and associates do not accept any responsibility arising in any wa negligence) for errors in, and omissions from, the information and do not accept any responsibility for any loss or damage, h person relying on any information contained in this budget planner. 3. The information appearing in this budget planner has been prepared for information purposes only from sources believed to However, the information is selective and may not be complete, accurate or suitable for your particular purposes, objectives, 4. These terms and conditions are subject to the provisions of the Trade Practices Act.

What you need to know

1. The figures calculated in this spreadsheet are based on assumptions and are GENERAL ILLUSTRATIONS ONLY. They are for professional financial advice. 2. The results are NOT GUARANTEED in any way. 3. AMP and its related companies specifically disclaims any liability (whether based in contract, tort, strict liability or o incidental, consequential, or special damages arising out of or in any way connected with the access to or use of this calcul 4. To the extent permitted by law, under no circumstances will AMP and its related companies be liable for any loss or damage

4. To the extent permitted by law, under no circumstances will AMP and its related companies be liable for any loss or damage information obtained by using this budget planner. 5. You should not make any decisions on the information contained herein without consulting your financial planner or account AMP Life Limited ABN 84 079 300 379, AFSL No 233671.

ou're at. Our budget planner can help you asses s your current financial situation

onstitute a recommendation or statement of opinion about saving and is elation to a financial product. For personal financial advice about saving you

s context, visit the AMP website.

budget planner' worksheet and select the frequency for the value from the drop our propensity to save. You can change individual calender month values

eet to determine you 'net wealth'.

salary entered only and ignores any possible deductions, offsets or tax credits.

medicare levy effective from 1 July 2006 with a tax free threshold and no leave at 1 July 2006. The Medicare levy rate used is 1.5% for salaries greater then The Medicare levy surcharge has not been included in this calculator.

or completeness of the information in the budget planner or that the data entered ation to update or correct any errors in the information after the date of

not accept any responsibility arising in any way (including by reason of ept any responsibility for any loss or damage, however caused, as a result of any

formation purposes only from sources believed to be reliable and accurate. suitable for your particular purposes, objectives, financial situation or needs.

are GENERAL ILLUSTRATIONS ONLY. They are not intended to be a substitute

based in contract, tort, strict liability or otherwise) for any direct, indirect, nnected with the access to or use of this calculator and spreadsheet. elated companies be liable for any loss or damage caused by a user's reliance on

elated companies be liable for any loss or damage caused by a user's reliance on

thout consulting your financial planner or accountant.

personal budget planner
Budget amounts
Amount Frequency Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec TOTAL

A. Income
Before tax salary, overtime & bonuses - Self Superannuation salary sacrifice & fringe benefits - Self Before tax salary, overtime & bonuses - Partner Superannuation salary sacrifice & fringe benefits - Partner Investment income (interest, dividends) Govt. Pensions & Allowances Rental, board income Other income (child support, gifts etc) 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 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

TOTAL MONTHLY INCOME

$

-

per year

B. General Expenses
1. Financial expenses Mortgage(s) Rent & body corporate fees Personal, car, share loan repayments etc Credit card repayments (Interest only) Lease repayments, equipment rental Other (lay-by etc) 2. Home expenses Home maintenance & renovations Rates & levies (council, water, etc) Gardening & pool expenses (maintenance, equipment etc) Home services (cleaning etc) Pest control Phone, Mobile & Internet (rental, purchase, calls etc) Utilities (electricity, gas, etc) Other 3. Living expenses Groceries, meat & veg, lunches etc Clothes & shoes Pocket money for children, Toys, Games Household purchases (Appliances, furniture, linen etc) Child care & child minding Pet care (Pet food, vet, registration etc) Laundry & dry cleaning Donations & gifts Other 4. Personal care expenses Medical bills (doctor, dentist, optometrist, alternative therapies etc) Pharmacy, prescriptions Hair care & products Beauty products & treatments Other 5. Education expenses School/Uni fees, personal courses etc School uniforms & books etc School excursions & tutoring etc Other TOTAL GENERAL EXPENSES 6. Car / transport Car, motor bike registration Licence & fines, motor vehicle association Car, motor bike service, maintenance & repairs Petrol Fares (Public transport & Taxis) Parking fees Boat registration & maintenance etc Monthly 3 Monthly 3 Monthly 3 Monthly Quarterly 3 Monthly 3 Monthly 3 Monthly 3 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 $ Monthly 3 Monthly 3 Monthly 3 Monthly 3 per year 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 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 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 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 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 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 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 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 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 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 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

Printed: 8/14/2008

Caravan registration & maintenance etc Trailer registration & maintenance etc Other (Car wash etc) TOTAL CAR / TRANSPORT 7. Loans and & Superannuation Insurance credit cards Life, disablement, income protection, trauma Private health cover, medicare levy & surcharge Home & contents Car, motor bike, boat, caravan, trailer, car green slip Business, workers compensation cover Superannuation contributions Other TOTAL INSURANCE & SUPERANNUATION 8. Leisure / entertainment Holidays, weekends away Restaurants, take away, snacks etc Movies, concerts, bars etc Sports, hobbies, club memberships etc Newspapers, magazines, books, CDs, DVDs (incl. rental) Pay TV Musical instruments, lessons etc Parties, anniversaries, christmas etc Alcohol, cigarettes, gambling etc Other TOTAL LEISURE / ENTERTAINMENT 9. Taxes, fees and charges Bank fees Accountant & broker fees Tax on investments Tax on income (PAYG, PAYE, etc) - Self Tax on income (PAYG, PAYE, etc) - Partner Other TOTAL TAXES, FEES AND CHARGES $ $ $ $ $ $ -

Monthly 3 Monthly 3 Monthly 3 per year

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

Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 per year

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 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

Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 per year

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 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

Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 Monthly 3 per year

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL MONTHLY EXPENSES
SURPLUS or DEFICIENCY SUMMARY FOR THE YEAR

$

-

per year

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

Total income less Total expenses

$ $

-

Amount you can save

$

-

Printed: 8/14/2008

your current financial status
A. Assets Cash Bank account 1 Bank account 2 Bank account 3 Term deposits Other TOTAL CASH Personal property Motor vehicle(s) Trailer / boat / caravan Furniture / contents Jewellery Art / antiques Clothing Other TOTAL PERSONAL PROPERTY Superannuation Preserved Unpreserved TOTAL SUPERANNUATION Real estate Family home Holiday home Other TOTAL REAL ESTATE Other investments Fixed interest investments Shares Managed investments Other TOTAL OTHER INVESTMENTS Other assets Money owed to you Life insurance cash value Other TOTAL OTHER ASSETS TOTAL ASSETS (A) B. Liabilities Credit card balance Bank overdraft Loans Mortgage Motor vehicle(s) Personal Investment Retail store cards Other

TOTAL LOANS Other liabilities TOTAL LIABILITIES (B) TOTAL NET WORTH (A minus B)

0.00

0.00

0.00

0.00

0.00

0.00 0.00

0.00

0.00 0.00


				
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