Net Worth 0 0

Notes: Keep in mind intangible (non-financial) assets &

Last updated: 17 February 2022 (excluding Property & Mortgage,
liabilities -- e.g. skills, health issues
including CPF) 8 FINANCE RATIOS (SEEDLY) https://blog.seedly.sg/personal-finance-ratios/ Woke Salarypeople
General Acceptable
Assets Liquidity Last updated Notes Current Value Ratios Definition Formula My Ratio Asset Allocation (Affects the Pie Chart) Projected Future Net Worth by % growth per year
Indicates how robust a person's finances are to handle Range
Property Basic Liquidity Ratio Cash or Cash Equivalents / Monthly Expenses 3 to 6 months Stock Market #REF! #REF! Year 7% 10% 20%
an emergency
Liquid Assets to Net Worth Determines how much of an individual’s net worth is in
Non-liquid Estimated value as of DATE// Check here Cash or Cash Equivalents / Net Worth At least 15% #DIV/0! Crypto #DIV/0! $0 Current Year 0 0 0
Ratio the form of the
Calculates cash or cash
amount ofequivalents
income a person sets aside as Real Estate
CPF Savings Ratio Monthly Savings / Monthly Gross Income At least 20% Liquidup
Savings #DIV/0! $0 1 $0 $0 $0
savings (Paid capital)
Ordinary Account (2.5% interest p.a.) Non-liquid Debt to Asset Ratio Assesses whether a person’s debt level is high Total Liabilities / Total Assets 50% or less #DIV/0! (minus Study #DIV/0! $0 2 $0 $0 $0
Another method to find out about potential longer-term Loan)
Special Account (4% interest p.a.) Non-liquid Solvency Ratio Total Net Worth / Total Assets The higher, the better #DIV/0! Insurance #DIV/0! $0 3 $0 $0 $0
solvency issues
Calculates the amount of net income that is used to Total Monthly Debt Repayments / Monthly Take-
Medisave Account (4% interest p.a.) Non-liquid Debt Servicing Ratio 35% or less CPF #DIV/0! $0 4 $0 $0 $0
Non-Mortgage Debt make regular
Similar debt repayments
to the previous one but excludes debt HomeMonthly
Total Income Non-Mortgage Debt Repayments /
Investments (Retirement) 15% or less Total #REF! #REF! 5 $0 $0 $0
Servicing Ratio repayments for mortgage loans Monthly Take-Home Income
Semi-liquid Reveals how much of an individual’s assets are used to
Net Investment Assets to Net
Semi-liquid accumulate capital for the long-term, excluding the place Total Invested Assets / Net Worth 50% or more #DIV/0! 6 $0 $0 $0
Worth Ratio
Investments (Short-term) of residence 7 $0 $0 $0
Semi-liquid 8 $0 $0 $0
Asset Allocation (Af-
Semi-liquid fects the Pie Chart)
Insurance Stock Market 9 $0 $0 $0
Crypto 10 $0 $0 $0
Real Estate
Cash & cash equivalents (Paid up capital) 11 $0 $0 $0
Liquid Savings
Emergency Fund Liquid (minus Study
12 $0 $0 $0
Liquid Loan)
Insurance 13 $0 $0 $0
Total Assets 0 CPF 14 $0 $0 $0
Non and semi-liquid Property, CPF, investments, cash 0 15 $0 $0 $0
Excluding property 0
Retirement investments CPF-SA & investments 0 16 $0 $0 $0
Semi-liquid & liquid Investments and cash 0 17 $0 $0 $0
Liquid Cash (Emergency Fund) 0 18 $0 $0 $0
19 $0 $0 $0
Liabilities Issuer Last updated Notes Current Value 20 $0 $0 $0

Total Liabilities 0
Monthly 2022 Billing date Category Payment by SGD Last updated: 20 December 2021 CPF Contributions Mortgage
Gross Pay 100 <35 years old Total monthly mortgage $ 904
CPF (20%) 20 Current gross pay % $ 3,250 Monthly CPF-OA top-up $ 748
Extra income
Carry over from last month Take home pay 80% $ 2,600 Pay by CPF $ 744
Take home pay 80 Cash top-up $ 160
CPF contributions 20% $ 650
FIXED EXPENSES SAVINGS (30%) Billing date Category Payment by SGD Employer contributions 17% $ 553
Personal Loan Loan GIRO Emergency Fund Savings Bank transfer Total CPF 37% $ 1,203
Mortgage Loan GIRO
Outstanding credit card bill from prev. month Loan Total CPF 37% $ 1,203
Service & Conservancy Charges Utilities Credit card TOTAL 0 OA (Housing) 23% $ 748
Phone bill Utilities MA (Healthcare) 8% $ 260
Wifi bill Utilities WEALTH (20%) Billing date Category Payment by SGD SA (Retirement) 6% $ 195
Electricity bill Utilities Retirement Fund Investments Bank transfer
Water & gas bill Utilities TOTAL 0
Insurance Insurance
Membership BALANCE 80
Taxes
TOTAL FOR FIXED EXPENSES 0 Allocation Rule Target Ideal $ Actual $ Actual % (± 5%)
Wealth (Retirement) 20% 16 0 0%
VARIABLE EXPENSES Savings (Emergency fund, short-term goals) 30% 24 0 0%
Parent's allowance Essential Allowance Cash Expenses (Daily living) 50% 40 0 0%
Transport (bus/MRT) Essential Transport
Food & groceries Essential Spending Notes:
Shopping (non-essential expenses) Non-essential Spending SP U-save voucher remaining:
S&CC rebates:

TOTAL FOR VARIABLE EXPENSES 0

Current subscriptions Next billing date Category Payment SGD / mth

0.00

Contract duration Start Date End Date SGD

Electricity retailer
Wifi retailer