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Our Personal Finance Planning Tool lets you start tracking and saving your money right now. Maintaining a spreadsheet requires discipline, and creating a spreadsheet from scratch takes time. Save yourself the hassle of setting up rows, columns and formulas by using a pre-made Excel template from Office. Our template includes a Personal Budget Sheet, Personal Balance Sheet, Retirement GAP Calculator, Financial Statement and a Time Value of Money calculator. An essential first step to start taking charge of your Personal Finances!
A financial plan’s detailed projections of future income and assets can also help you feel more comfortable about spending money today. This might give you the comfort that planning the next family holiday is NOT the wrong move and that you can afford it.
By reviewing your financial plan annually, you can see how you’re doing and make any necessary adjustments.
With our Time Value of Money tab, you can do the necessary calculations to make sure you don’t miss out on potential growth.
Doing research and trying to find a tool that will help you summarise your personal finances is a great first step… buying and using our tool, IS THE BEST NEXT STEP. Our automated Personal Finance Tool will give you the capabilities to do the following:
All personal finances start with a budget. This tool will help you document your income and expenses and how you whether you have a surplus or a deficit. It will essentially help you know whether you are building wealth or heading towards poverty street.
You will have a summary of your Assets and Liabilities, both of which is used to show you your Net Worth, which represents your overall financial wealth.
Retirement planning is an essential aspect of personal finance that can help you achieve financial security and independence during your retirement years. In the simplest sense, retirement planning is what one does to prepare for life after retirement. After you have completed this calculation, you will know “what you will have” during retirement, taking your current savings into consideration versus “what you will need” during retirement. THIS IS RETIREMENT PLANNING!
The term personal financial statement refers to a document or spreadsheet that outlines an individual's financial position… at a point in time. The statement typically includes a personal budget, a breakdown of total assets and liabilities, 6 key financial ratio's, retirement calculations and goals. You DO NOT have to fill in anything on this sheet. All the information automatically pulls through from the other sheets and is a great summary of your current financial position. The statement can help individuals track their financial goals and wealth and can be used when they apply for credit.
In the context of personal finance, the time value of money (TVM) refers to the idea that money has a different value at different points in time. Specifically, that a dollar or rand received today is worth more than a dollar or rand received in the future. This is because money received today can be invested and earn interest, while money received in the future cannot. In summary, the time value of money is a fundamental concept in personal finance and understanding it can help individuals make informed decisions about their savings, investments, and spending. START PLAYING AROUND AND MAKE GOOD DECISIONS!
Set yourself up to move towards FINANCIAL FREEDOM! Good luck and don’t forget to enjoy your journey!
How likely am I to reach all my goals?
How am I doing so far?
Should I consider adjusting my portfolio?
Will I have the income I want in retirement?
Seeing everything you own and owe in one place can be eye-opening. People typically just go through life earning money and putting savings aside but when our clients see net worth as part of our Personal Finance Tool, it’s often the first time they've seen the big picture.
This full view of your current finances can help answer questions like “How much should I be spending, saving and investing?
When they see the big picture, people often learn that they’re doing better than expected. Having this confidence can help you make major financial decisions.
In a 24/7 news cycle, every market fluctuation or global crisis can lead people to make financial moves they later regret. A financial plan helps to keep you focused on your goals.
A financial plan’s detailed projections of future income and assets can also help you feel more comfortable about spending money today. This might give you the comfort that planning the next family holiday is NOT the wrong move and that you can afford it.
By reviewing your financial plan annually, you can see how you’re doing and make any necessary adjustments.
With our Time Value of Money tab, you can do the necessary calculations to make sure you don’t miss out on potential growth.
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