Last Updated on February 12, 2022 at 6:22 pm
Create your own personal financial plan with this excel-based financial planning template. Ever since I made my first retirement calculator, I have had several requests to make an integrated financial plan creation tool.
The only reason I took this long to make it is sheer boredom. I thought, since I had already made most of the calculators found in a financial plan, it would be boring from a mathematical point of view to put it all together. How wrong I was!
I have always wanted to make a financial planning template with a one-page input and one-page output. A template in which all future cash flow entries are displayed on a single cash flow chart.
I have managed to pull if off, except for the one-page input part, as I have realised that would make it too cluttered and clumsy. Making the integrated cash flow chart turned out to be pretty exciting and at times exhausting.
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Do excuse the crummy sounding title. There are certain things a blogger must do to get a search engines attention!
That quite enough blah-blah. Without further ado, here are the features of the financial planning template:
- Create a financial plan for retirement, 5 non-recurring financial goals (child’s education, marriage etc.) and 2 recurring financial goals (vacation, annual medical tests etc.)
- Calculate the life insurance needed for financial independence of your family after your time. Important goals like children’s education and marriage are also accounted.
- The life insurance calculator has a clear set of instructions for the nominee as to how the insurance sum should be invested. It would be useful if a set of such instructions are found inwill of the insured.
- Retirement calculator with the possibility to include two passive income streams in employment (rent, dividend/business income) and in retirement (pension, rent)
- Recurring and non-recurring financial goals calculator. You can assign a priority to each goal and determine the feasibility of achieving each goal relative to retirement (number 1 priority) and to each other.
- Integrated cash flow chart which accounts for income, expenses, EMI, investment and pension schedule
- Cash flow summary to analyse the feasibility of retirement – the number one financial goal and other goals relative to retirement and to each other.
- One-page report this contains all the results serves as quick reckoner for initiating an action plan
Important
- A financial plan is a just a piece of paper if you don’t act on it
- You will need to review the financial year once a year.
Requests
- Feedback, suggestions for improvement and requests for specific modifications are welcome.
- If you are a member of the financial planning community, I will be delighted if you could help me tweak this tool and make it better.
- Please do share this post with your friends and colleagues.
The financial planning template
The template has been significantly modified and is now available as a Robo Advisory Software Template which both investors and advisors can use.
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