Expenses

Income

Year-End Summary
Sergei
Ava
Total
Taxes
Car Payments
Health Insurance
Other
Mortgage
Total
Net Cash Flow

Expenses

Income

Monthly Values
Sergei
Ava
Total
Taxes
Car Payments
Health Insurance
Other
Mortgage
Total
Net Cash Flow

Yearly
60,000
43,500
103,500
30,700
3,660
7,620
21,200
27,266
90,446
13,054
Jan
5,000
4,100
9,100
2,900
305
635
4,900
2,272
11,012
(1,912)

2
Monthly
Average Maximum Minimum
5,000
5,000
5,000
3,625
5,200
1,100
8,625
10,200
6,100
2,558
2,900
1,900
305
305
305
635
635
635
1,767
5,800
800
2,272
2,272
2,272
7,537
11,412
6,412
1,088
3,288
(3,412)
Feb
5,000
4,500
9,500
2,800
305
635
950
2,272
6,962
2,538

Mar
5,000
4,800
9,800
2,700
305
635
950
2,272
6,862
2,938

Apr
5,000
5,200
10,200
2,900
305
635
800
2,272
6,912
3,288

May
5,000
3,300
8,300
2,400
305
635
900
2,272
6,512
1,788

Mortgage Plan 1

Choose a Mortgage Plan (1 or 2)

Annual Rate
Compounded per Yr.
Monthly Rate (Rate)
Years
Total Months (Nper)
Principal (PV)
Payment (PMT)

6.70%
12
0.56%
30
360
395,000
$2,548.85

Mortgage Plan 2

Timov Family Budget

Annual Rate
Compounded per Yr.
Monthly Rate (Rate)
Years
Total Months (Nper)
Principal (PV)
Payment (PMT)

6.70%
12
0.56%
20
240
300,000
$2,272.18

Jun
5,000
2,700
7,700
2,300
305
635
900
2,272
6,412
1,288

Jul
5,000
1,100
6,100
1,900
305
635
1,700
2,272
6,812
(712)

Aug
5,000
3,000
8,000
2,400
305
635
5,800
2,272
11,412
(3,412)

Sample of a Microsoft Excel worksheet using formulas

Sep
5,000
3,300
8,300
2,400
305
635
800
2,272
6,412
1,888

Oct
5,000
3,800
8,800
2,600
305
635
900
2,272
6,712
2,088

Nov
5,000
4,000
9,000
2,800
305
635
1,200
2,272
7,212
1,788

Dec
5,000
3,700
8,700
2,600
305
635
1,400
2,272
7,212
1,488