Savings planner

Net worth

This month

Net worth trend and returns

Goals

Savings fill the safety fund first, then goals with the nearest deadline. Car and flat only need the down payment (and registration costs for a flat); the rest is loan.

Current values

Opening is last month’s closing. Update the current value to mark to market.

	Opening	Added	Current value	Market move

This month’s money

Net salary received Mutual funds Stocks Bonds Parked in bank Provident fund (on top of salary)

Edit goals

Equity rules for goals

Maximum % of a goal that can be funded from mutual funds and stocks, by time left to the deadline. The rest must sit in bonds or bank. All mutual funds count as equity, so record debt or liquid funds under Bonds.

Starting values

Values at the start of your first tracked month. Changing these changes everything after it.

First month Provident fund Mutual funds Stocks Bonds Bank

Backup and Google Drive

Google client ID

What if…

Expected market return Change in monthly savings Yearly step-up in savings

Simplified: one return rate on all investments and cash, provident fund excluded, each goal paid out on its deadline.