blank finance budgets and net worth
DESCRIPTION
Finance Budget sheet and net worth with formulas to figure out what your monthly costs are and net worthTRANSCRIPT
Monthly Budget
$0 $0 $0
Projected Cost Actual Cost DifferenceHousingMortgage $0 Phone $0 Energy $0
$0 Water, sewer & trash $0 Cable $0
$0 Maintenance or repairs $0 Supplies $0 Other $0
Subtotals $0 $0 $0
TransportationVehicle payment $0 Insurance $0 Licensing $0 Fuel $0 Maintenance $0 Other $0
Subtotals $0 $0 $0
InsuranceHome $0 Health - Major Medical $0 Life $0 Other $0
Subtotals $0 $0 $0
FoodGroceries $0 Dining out $0 Other $0
Subtotals $0 $0 $0
EntertainmentTiVoMoviesSporting events
Total Projected Cost
Total Actual Cost
Total Difference
Other
Subtotals $0 $0 $0
Personal CareMedical $0 Hair/nails $0 Clothing $0 Dry cleaning $0 Other $0
Subtotals $0 $0 $0
Monthly Budget
Projected Monthly IncomeIncome 1Income 2Total monthly income $0
Actual Monthly Income
Income 1Income 2Total monthly income $0
$0
$0
$0
Projected Cost Actual Cost DifferenceLoansCar Loan $0 Personal Loan $0 Credit Card # 1 $0 Credit Card # 2 $0
$0 Other $0
Subtotals $0 $0 $0
TaxesFederal $0 $0 State $0 $0 Local $0 $0 Other $0 $0
Subtotals $0 $0 $0
Savings or InvestmentsBank $0 $0 Investment account $0 $0 Other $0 $0
Subtotals $0 $0 $0
Gifts and DonationsCharity 1 $0 $0 Charity 2 $0 $0
Projected balance(Projected income minus expenses)
Actual balance(Actual income minus expenses)
Difference (Actual minus projected)
Charity 3 $0 $0 Subtotals $0 $0 $0
Monthly BudgetIncome Fixed Expenses Variable Expenses Totals
Paychecks Apartment Food Income $0.00Interest Con Ed Entertainment Fixed Exp. $0.00
RCN Variable Exp $0.00Credit Card
Total Exp. $0.00
Disposable Income$0.00
Age: 27 Net Worth Calculator Income: $ 85,000
Net Worth: $ 4,585 4/7/2023
Assets LiabilitiesPersonal Items Estimated Value Loan Balances Estimated Value IncomeHome $ - Mortgage loan $ - His 1Vehicles 5,000 Home equity loan - Hers 1Jewelry 1,000 Car loans - His 2Artwork - Real estate loans - Hers 2
Furniture 1,000 Student loans 5,000 Total
Electronics 1,000 Personal loans 665 Antiques - Other Outstanding Debt AnnualizedOther - Credit card debt $ - Cash or Cash Equivalent Other debt - Checking account $ 1,250 Savings account 1,000 Certificates of deposit - Money market account (ING) - Life insurance (cash value) - Other - InvestmentsRoth IRA (His) $ - Roth IRA (Hers) - Mutual funds - Individual stock shares - Real estate other than home - Other - Assets Total $ 10,250 Liabilities Total $ 5,665
Net Worth: $ 4,585 Debt-to-Assets Ratio 55.3%
Debt-to-Net Income 19.7%Millionaire Next Door estimate: $ 229,500 Debt-to-Gross Income 15.7%
$ 459,000 PAW (or Balance Sheet Affluent) Level:
Net Gross 1,200 1,500 1,200 1,500
2,400 3,000
28,800 36,000
Mortgage CalculatorInputs Key FiguresLoan principal amount $200,000.00 Monthly paymentsAnnual interest rate 6.375% Annual loan paymentsLoan period in years 30 Interest in first calendar yearOriginal month of loan January Interest over term of loanOriginal year of loan 2006 Sum of all paymentsMonthly Prepay for life of Mortgage $0.00 Years to payoff
Amortization Schedule
Year Month Payment Principal Interest 2006 Jan $200,000.00 $1,247.74 $185.24 $1,062.50 $185.24 2006 Feb 199,814.76 1,247.74 186.22 $1,061.52 371.46 2006 Mar 199,628.54 1,247.74 187.21 $1,060.53 558.68 2006 Apr 199,441.32 1,247.74 188.21 $1,059.53 746.88 2006 May 199,253.12 1,247.74 189.21 $1,058.53 936.09 2006 Jun 199,063.91 1,247.74 190.21 $1,057.53 1,126.31 2006 Jul 198,873.69 1,247.74 191.22 $1,056.52 1,317.53 2006 Aug 198,682.47 1,247.74 192.24 $1,055.50 1,509.77 2006 Sep 198,490.23 1,247.74 193.26 $1,054.48 1,703.03 2006 Oct 198,296.97 1,247.74 194.29 $1,053.45 1,897.32 2006 Nov 198,102.68 1,247.74 195.32 $1,052.42 2,092.63 2006 Dec 197,907.37 1,247.74 196.36 $1,051.38 2,288.99 2007 Jan 197,711.01 1,247.74 197.40 $1,050.34 2,486.39 2007 Feb 197,513.61 1,247.74 198.45 $1,049.29 2,684.84 2007 Mar 197,315.16 1,247.74 199.50 $1,048.24 2,884.34 2007 Apr 197,115.66 1,247.74 200.56 $1,047.18 3,084.91 2007 May 196,915.09 1,247.74 201.63 $1,046.11 3,286.53 2007 Jun 196,713.47 1,247.74 202.70 $1,045.04 3,489.23 2007 Jul 196,510.77 1,247.74 203.78 $1,043.96 3,693.01 2007 Aug 196,306.99 1,247.74 204.86 $1,042.88 3,897.87 2007 Sep 196,102.13 1,247.74 205.95 $1,041.79 4,103.82 2007 Oct 195,896.18 1,247.74 207.04 $1,040.70 4,310.86 2007 Nov 195,689.14 1,247.74 208.14 $1,039.60 4,519.00 2007 Dec 195,481.00 1,247.74 209.25 $1,038.49 4,728.25 2008 Jan 195,271.75 1,247.74 210.36 $1,037.38 4,938.60 2008 Feb 195,061.40 1,247.74 211.48 $1,036.26 5,150.08 2008 Mar 194,849.92 1,247.74 212.60 $1,035.14 5,362.68 2008 Apr 194,637.32 1,247.74 213.73 $1,034.01 5,576.41 2008 May 194,423.59 1,247.74 214.86 $1,032.88 5,791.27 2008 Jun 194,208.73 1,247.74 216.01 $1,031.73 6,007.28 2008 Jul 193,992.72 1,247.74 217.15 $1,030.59 6,224.43 2008 Aug 193,775.57 1,247.74 218.31 $1,029.43 6,442.74 2008 Sep 193,557.26 1,247.74 219.47 $1,028.27 6,662.21 2008 Oct 193,337.79 1,247.74 220.63 $1,027.11 6,882.84 2008 Nov 193,117.16 1,247.74 221.80 $1,025.93 7,104.64 2008 Dec 192,895.36 1,247.74 222.98 $1,024.76 7,327.63 2009 Jan 192,672.37 1,247.74 224.17 $1,023.57 7,551.80 2009 Feb 192,448.20 1,247.74 225.36 $1,022.38 7,777.15 2009 Mar 192,222.85 1,247.74 226.56 $1,021.18 8,003.71 2009 Apr 191,996.29 1,247.74 227.76 $1,019.98 8,231.47 2009 May 191,768.53 1,247.74 228.97 $1,018.77 8,460.44 2009 Jun 191,539.56 1,247.74 230.19 $1,017.55 8,690.63 2009 Jul 191,309.37 1,247.74 231.41 $1,016.33 8,922.03 2009 Aug 191,077.97 1,247.74 232.64 $1,015.10 9,154.67 2009 Sep 190,845.33 1,247.74 233.87 $1,013.87 9,388.55
Monthly Prepay
Beginning Balance
Cumulative Principal
Key FiguresMonthly payments $1,247.74 Annual loan payments $14,972.88 Interest in first calendar year $12,683.89 Interest over term of loan $249,186.33 Sum of all payments $449,186.33 Years to payoff 30.0
Amortization Schedule
$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
Cumulative Interest
Ending Balance
Total cost of accounts $4,929.00 Value of accounts $5,699.00
[DATE] Difference $ $770.00 Difference % 15.6%
Investment Name Symbol Quantity
A Datum Corporation Woodgrove Bank ZZZZ 100 $49.00 $29.00 $4,929.00 $56.99 $5,699.00 $770.00 15.6%0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A
INVESTMENT PERFORMANCE
Account Name or Number
Purchase Price Per
ShareTrade Fees
Total Cost (Purchase
Price + Fees)Current Quote
Market Value
Gain/Loss ($)
Gain/Loss (%)
Total cost of accounts $4,929.00 Value of accounts $5,699.00
[DATE] Difference $ $770.00 Difference % 15.6%
Investment Name Symbol Quantity
INVESTMENT PERFORMANCE
Account Name or Number
Purchase Price Per
ShareTrade Fees
Total Cost (Purchase
Price + Fees)Current Quote
Market Value
Gain/Loss ($)
Gain/Loss (%)
0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A0.00 0.00 0.00 N/A
As of 04/07/2023Monthly Payment Chart
(Sept-Dec 2004)
Due AutoDate Account Pmt Payment J F M A M J J A S O N D
1 Mortgage N $ 100.00 x $ - x
6 Car Ins. Y $ 50.00 x15 TiVo Y $ 100.00 x20 Student loan Y $ 250.00
$ 100.00 x $ -
20 Visa N $ - 22 Credit Card N $ - 25 Cable N $ - 28 Gas/Electric N $ - 29 Water/Trash N $ - 30 Phone Y $ -
Total $ 600.00 Paid $ 350.00
Remaining $ 250.00
As of 04/07/2023Monthly Payment Chart
(Sept-Dec 2004)
Jan Feb Mar April May June July Aug Sept Oct 100 - 50 100 100
Total 350 - - - - - - - - -
As of 04/07/2023Monthly Payment Chart
(Sept-Dec 2004)
Nov Dec - -