FF Calculator) v1

Financial Analysis For Mr. / Mrs.
nitin misra
DOB: DD-MM-YYYY Ex: 01-Jan-2012
In Years Age: 36
Husband's Name: OCC: Wife's Name: OCC: Children: Name: Name:
nitin Company executive Shalini Home Maker
DOB:
2-Jul-77
DOB:
12-May-78
Age:
35
arnav
DOB: DOB:
25-Oct-10
Age: Age:
What is your most important Financial Goal? (Wait for Resonse) What Else? To understand your situation better, how much money do you think you would be comfortable with in these areas? Your Children's Education? Your Children's Wedding? Money for Retirement Years? Could your family continue their current lifestyle if you died last night or became disabled? Rs. 1,500,000 1,500,000 10,000,000 Y
Cash In Hand
Particulars Cash, Savings, FD's, PPF's & Etc. Mutual Funds, Stock, Bonds Annuities Life Insurance Other Assets or sources of income
Cash Needs
Rs. Monthly Expenses 200,000 1. Rent 2. House hold 3. School Fee 5,000,000 4. Electricy/Communication (A) Total Loans 1. Home 2. Vehicle 3. Consumer 4. Study 5. Credit Card Debt. (B) Total Emergency Fund 1. Medical 2. Non Medical 5,200,000 (C) Total 8% Rate of Inflation Will you like to cover children's marriage? (Y/N) Rs. 30,000 30,000 200,000 200,000 50,000 50,000 10%
Total Cash in Hand = Intrest Rate Will you like to cover children's education ? (Y/N)
Current Status
20 17 14
11 8 8 9
6 4 4 4 5 5
1 -
10
11
Yearly Exp ( Rs Lac)
## ## ## ##
Current Status
35 32 29 27 24 22 20 18 17 15 14 12 11 10 9
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
Cash in Hand (Rs Lac)
Secured Status
Years you wish to cover your loved ones ( Choose up to25 years) 20
92 89 86
95
97
99
101
102
103
103
102
10
10
11
Y N
## ## ## ##
Secured Status
Additional Insurance required ( Rs Lac) 67
102
Cash in Hand (Rs Lac)

100 96 92 86 78
68
56
40 35 32 22 22 24 27 29
10
11
12
14
15
17
18
20
12
13
14
15
16
17
18
19
20
21
22
23
24
25
Life Line
0 10 20 30 40 50 60 70 80 90 100
Retirement Current Age 36 Avg. Monthly Income Rs: 100,000 X 12 Age Started Working : Total Yrs. Worked Total Amount Earned till date Current Income
(Yearly)
21
Yearly Income
Rs:
1,200,000
15
18,384,658
3,500,000
# of Years to Retirement :
24
Anticipated Earning Capability (Human Life Value)
Rs:
82,878,082
100
Financial Analysis For Mr. / Mrs.:
nitin misra
DOB: DD-MM-YYYY Ex: 01-Jan-2012
In Years Age: 36
Husband's Name: OCC: Wife's Name: OCC: Children: Name: Name:
nitin Company executive Shalini Home Maker
DOB:
2-Jul-77
DOB:
12-May-78
Age:
35
arnav
DOB: DOB:
25-Oct-10
Age: Age:
What is your most important Financial Goal? (Wait for Resonse) What Else? To understand your situation better, how much money do you think you would be comfortable with in these areas? Your Children's Education? Your Children's Wedding? Money for Retirement Years? Could your family continue their current lifestyle if you died last night or became disabled? Rs. 1,500,000 1,500,000 10,000,000
Cash In Hand
Particulars Cash, Savings, FD's, PPF's & Etc. Mutual Funds, Stock, Bonds Annuities Life Insurance Other Assets or sources of income
Cash Needs
Rs. Monthly Expenses 200,000 1. Rent 2. House hold 3. School Fee 5,000,000 4. Electricy/Communication (A) Total Loans 1. Home 2. Vehicle 3. Consumer 4. Study 5. Credit Card Debt. (B) Total Emergency Fund 1. Medical 2. Non Medical 5,200,000 (C) Total Rs. 30,000 30,000 200,000 200,000 50,000 50,000
Total Cash in Hand =
At the prevailing interest rate, you would need to have 200* times of your monthly expenditure as a fixed deposit to meet the family's current monthly needs. Interest Rate Total CASH NEEDS = (200* X A + B + C) Rs: 6,250,000 6% (Multiplier 200 is considering the interest rate @ 6.0%. 7% For other applicable interest rates, use the multiplier as mentioned in the table) 8% 9% Total CASH IN HAND Rs: 5,200,000 Comparing your cash in hand with your cash needs there is an overage/shortfall (CASH NEEDS - CASH IN HAND) of Rs: 1,050,000 (Immediate protection requirement) However, You will require an additional Rs:
Multiplier 200 171 150 133
14,050,000 to Provide for your long term financial goals.

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Financial Analysis For Mr. / Mrs.

Husband's Name: OCC: Wife's Name: OCC: Children: Name: Name:

nitin Company executive Shalini Home Maker

Yearly Exp ( Rs Lac)

Yearly Exp ( Rs Lac)

Cash in Hand (Rs Lac)

Cash in Hand (Rs Lac)

Anticipated Earning Capability (Human Life Value)

Financial Analysis For Mr. / Mrs.:

Husband's Name: OCC: Wife's Name: OCC: Children: Name: Name:

nitin Company executive Shalini Home Maker

Total Cash in Hand =

Multiplier 200 171 150 133

14,050,000 to Provide for your long term financial goals.

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