tgr future wealth calculator.xls

7/27/2019 TGR FUTURE WEALTH CALCULATOR.xls

1/11

Future Wealth Planner - Year 1

Property Address Purchase Price Valuation LVR Loan Limit Loan Drawn Annual Interest

Interest

Rate Weekly rent Yield

After tax

cashflow per

week (Yr 1)South Place 250,000$ 300,000$ 80% 240,000$ 200,000$ 19,000$ 9.50% 300$ 5.2% 85-$East Place 200,000$ 240,000$ 80% 192,000$ 160,000$ 15,200$ 9.50% 220$ 4.8% 65-$

North Street 300,000$ 320,000$ 80% 256,000$ 240,000$ 22,800$ 9.50% 300$ 4.9% 100-$West Street 285,000$ 315,000$ 80% 252,000$ 228,000$ 21,660$ 9.50% 285$ 4.7% 200-$

Outback OZ 180,000$ 220,000$ 80% 176,000$ 144,000$ 13,680$ 9.50% 400$ 9.5% 100$Mining Uranium 250,000$ 285,000$ 80% 228,000$ 200,000$ 19,000$ 9.50% 350$ 6.4% 75$

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

Totals 1,465,000$ 1,680,000$ 80% 1,344,000$ 1,186,300$ 111,340$ 9.39% 1,855$ 5.7% 275-$

Net Value Total equityYearly Rental

Income

Yearly Shortfall

(After tax

cashflow)

336,000$ 157,700$ 96,460$ 14,300-$

General LVREquity for Shortfall for

following YearBuying Power

Equity shortfall

cover in years80% 20,000$ 550,800$ 1.40

Seed capital equityEquity req'd for

purchase

137,700$ 25%


2/11



Interest


After tax

cashflow per

week (Yr 2)Balance forward from year 1 1,465,000$ 1,814,400$ 80% 1,451,520$ 1,200,600$ 112,682$ 9.39% 1,855$ 5.3% 275-$

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

Totals 1,465,000$ 1,814,400$ 80% 1,451,520$ 1,200,600$ 112,682$ 9.39% 1,855$ 5.3% 275-$


Income

Yearly Shortfall

(After tax

cashflow)362,880$ 250,920$ 96,460$ 14,300-$



Equity shortfall

cover in years80% 60,000$ 763,680$ 4.20


purchase

190,920$ 25%

Weekly rent

increase

existing

property


3/11



Interest


After tax

cashflow per


80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

Totals 1,465,000$ 1,959,552$ 80% 1,567,642$ 1,214,900$ 114,024$ 9.39% 2,055$ 5.5% 275-$


Income

Yearly Shortfall

(After tax

cashflow)

391,910$ 352,742$ 106,860$ 14,300-$200$



Equity shortfall

cover in years80% 60,000$ 1,170,966$ 4.20


purchase

292,742$ 25%

Weekly rent

increase

existing

property


4/11



Interest


After tax

cashflow per


80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

Totals 1,465,000$ 2,116,316$ 80% 1,693,053$ 1,229,200$ 115,366$ 9.39% 2,255$ 5.5% 275-$


Income

Yearly Shortfall

(After tax

cashflow)

423,263$ 463,853$ 117,260$ 14,300-$200$



Equity shortfall

cover in years80% 60,000$ 1,615,412$ 4.20


purchase

403,853$ 25%

Weekly rent

increase

existing

property


5/11



Interest


After tax

cashflow per


80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

Totals 1,465,000$ 2,285,621$ 80% 1,828,497$ 1,243,500$ 116,708$ 9.39% 2,645$ 6.0% 275-$


Income

Yearly Shortfall

(After tax

cashflow)

457,124$ 584,997$ 137,540$ 14,300-$390$



Equity shortfall

cover in years80% 60,000$ 2,099,989$ 4.20


purchase

524,997$ 25%

Weekly rent

increase

existing

property


6/11



Interest


After tax

cashflow per


80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

Totals 1,465,000$ 2,468,471$ 80% 1,974,777$ 1,257,800$ 118,051$ 9.39% 2,845$ 6.0% 275-$


Income

Yearly Shortfall

(After tax

cashflow)

493,694$ 716,977$ 147,940$ 14,300-$200$



Equity shortfall

cover in years80% 60,000$ 2,627,908$ 4.20


purchase

656,977$ 25%

Weekly rent

increase

existing

property


7/11



Interest


After tax

cashflow per


80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

Totals 1,465,000$ 2,665,949$ 80% 2,132,759$ 1,272,100$ 119,393$ 9.39% 3,045$ 5.9% 275-$


Income

Yearly Shortfall

(After tax

cashflow)

533,190$ 860,659$ 158,340$ 14,300-$200$



Equity shortfall

cover in years80% 60,000$ 3,202,636$ 4.20


purchase

800,659$ 25%

Weekly rent

increase

existing

property


8/11



Interest


After tax

cashflow per


80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

Totals 1,465,000$ 2,879,225$ 80% 2,303,380$ 1,286,400$ 120,735$ 9.39% 3,245$ 5.9% 275-$


Income

Yearly Shortfall

(After tax

cashflow)

575,845$ 1,016,980$ 168,740$ 14,300-$200$



Equity shortfall

cover in years80% 60,000$ 3,827,919$ 4.20


purchase

956,980$ 25%

Weekly rent

increase

existing

property


9/11



Interest


After tax

cashflow per


80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

Totals 1,465,000$ 3,109,563$ 80% 2,487,650$ 1,300,700$ 122,077$ 9.39% 3,445$ 5.8% 275-$


Income

Yearly Shortfall

(After tax

cashflow)

621,913$ 1,186,950$ 179,140$ 14,300-$200$



Equity shortfall

cover in years80% 60,000$ 4,507,801$ 4.20


purchase

1,126,950$ 25%

Weekly rent

increase

existing

property


10/11



Interest


After tax

cashflow per


80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

80% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 080% -$ -$ 9.50% 0

Totals 1,465,000$ 3,358,328$ 80% 2,686,662$ 1,315,000$ 123,419$ 9.39% 3,645$ 5.6% 275-$


Income

Yearly Shortfall

(After tax

cashflow)

671,666$ 1,371,662$ 189,540$ 14,300-$200$



Equity shortfall

cover in years80% 60,000$ 5,246,649$ 4.20


purchase

1,311,662$ 25%

Weekly rent

increase

existing

property


11/11

Usable Equity @

80%

1,186,300$ 9.39% 111,340$ 4% 14,880-$ 14,300-$ 493,700$ 157,700$ 71%1,200,600$ 9.39% 112,682$ 4% 16,222-$ 14,300-$ 613,800$ 250,920$ 66%1,214,900$ 9.39% 114,024$ 4% 7,164-$ 14,300-$ 744,652$ 352,742$ 62%1,229,200$ 9.39% 115,366$ 4% 1,894$ 14,300-$ 887,116$ 463,853$ 58%1,243,500$ 9.39% 116,708$ 4% 20,832$ 14,300-$ 1,042,121$ 584,997$ 54%1,257,800$ 9.39% 118,051$ 4% 29,889$ 14,300-$ 1,210,671$ 716,977$ 51%1,272,100$ 9.39% 119,393$ 4% 38,947$ 14,300-$ 1,393,849$ 860,659$ 48%1,286,400$ 9.39% 120,735$ 4% 48,005$ 14,300-$ 1,592,825$ 1,016,980$ 45%1,300,700$ 9.39% 122,077$ 4% 57,063$ 14,300-$ 1,808,863$ 1,186,950$ 42%

1,315,000$ 9.39% 123,419$ 4% 66,121$ 14,300-$ 2,043,328$ 1,371,662$ 39%

1,329,872$ 9.50% 126,338$ 4% 70,784$ 14,872-$ 2,297,122$ 1,571,723$ 37%1,344,744$ 9.50% 127,751$ 4% 77,256$ 15,467-$ 2,572,410$ 1,788,979$ 34%1,360,211$ 9.50% 129,220$ 4% 83,987$ 16,086-$ 2,870,315$ 2,024,210$ 32%1,376,296$ 9.50% 130,748$ 4% 90,987$ 16,729-$ 3,192,671$ 2,278,878$ 30%1,393,025$ 9.50% 132,337$ 4% 98,267$ 17,398-$ 3,541,460$ 2,554,563$ 28%

1,410,424$ 9.50% 133,990$ 4% 105,838$ 18,094-$ 3,918,821$ 2,852,972$ 26%1,428,518$ 9.50% 135,709$ 4% 113,713$ 18,818-$ 4,327,066$ 3,175,949$ 25%1,447,335$ 9.50% 137,497$ 4% 121,902$ 19,571-$ 4,768,695$ 3,525,489$ 23%1,466,906$ 9.50% 139,356$ 4% 130,418$ 20,353-$ 5,246,407$ 3,903,744$ 22%

1,487,259$ 9.50% 141,290$ 4% 139,276$ 21,167-$ 5,763,118$ 4,313,043$ 21%

1,508,427$ 9.50% 143,301$ 4% 148,488$ 22,014-$ 6,321,981$ 4,755,900$ 19%1,530,441$ 9.50% 145,392$ 4% 158,068$ 22,895-$ 6,926,400$ 5,235,031$ 18%1,553,336$ 9.50% 147,567$ 4% 168,031$ 23,811-$ 7,580,052$ 5,753,375$ 17%1,577,146$ 9.50% 149,829$ 4% 178,393$ 24,763-$ 8,286,913$ 6,314,101$ 16%1,601,909$ 9.50% 152,181$ 4% 189,169$ 25,753-$ 9,051,274$ 6,920,638$ 15%1,627,663$ 9.50% 154,628$ 4% 200,377$ 26,784-$ 9,877,776$ 7,576,688$ 14%1,654,446$ 9.50% 157,172$ 4% 212,033$ 27,855-$ 10,771,427$ 8,286,252$ 13%1,682,301$ 9.50% 159,819$ 4% 224,155$ 28,969-$ 11,737,642$ 9,053,653$ 13%1,711,271$ 9.50% 162,571$ 4% 236,761$ 30,128-$ 12,782,268$ 9,883,560$ 12%

1,741,399$ 9.50% 165,433$ 4% 249,873$ 27,692-$ 13,911,623$ 10,781,019$ 11%

Lifestyle

AmountTotal Mortgage

Total Shortfall

(After tax

cashflow)

Gross EquityAnnual Interest InflationShortfall (rent less

interest)LVR

Average

Interest Rate

tgr future wealth calculator.xls

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