Personal Net Worth (Asset-Liabilities)
Personal financial net worth is the value of all your assets minus your liabilities. It’s a snapshot of your financial health.
Assets
Amount
Personal use assets
Property/House value
Car value
Others (1)
Others (2)
Total
$
0
Invested assets
Shares
Unit trust
Bonds
SPK
Investment property
Others
Total
$
0
Cash/Cash equivalents
Saving deposit
Fixed deposit
Others
Total
$
0
Your total assets
$
0
Liabilities
Amount
Mortgage loan outstanding
Renovation loan outstanding
Car loan outstanding
Personal loan / Credit outstanding
Your total liabilities
$
0
Total net worth
$
0
Personal Monthly Budget (Income-Expenditure)
Personal monthly budget is a plan that helps you manage your money. It shows how much of your income you’ll spend on bills, save for the future, and pay off debts. This budget lets you make smart choices about your finances, leading to a healthier financial life and helping you work toward financial independence.
Monthly Income
Amount
Income Items
Net salary/ Income
Business income
Investment income
(Rental/ Dividend)
(Rental/ Dividend)
Others
Total monthly income
$
0
Monthly Expenditure
Amount
Repayment
Mortgage or rental
Car
Credit Card
Other loans
Home
House maintenance
Mobile/ Wifi
Household supplies
Ultilities
Food
Groceries
Dining
Car expenses
Maintenance
Fuel
Healthcare
Health insurance
Supplements
Gym or fitness
Others
Savings plan
Emergency savings
Other savings goal
Insurance premium
Savings & protection premium
Personal accident
Health insurance
Personal
Self-care
Dry cleaning
Others
Recreation
Hobbies
Entertainment/ Leisure
Travel
Gifts
Holidays, anniversaries, birthday
Charitable donations
Others expenses
Other (1)
Other (2)
Total monthly expenditure
$
0
Difference
$
0
Personal Financial Ratio Analysis
Financial ratio analysis shows you where you stand financially. It lets you compare your situation to common standards so you can see your progress and make any necessary adjustments to your financial plans.
Basic liquidity measures your emergency funds, ensuring you're prepared for unexpected expenses without relying on debt. It's advisable to save enough to cover 3 to 6 months' worth of expenses, providing you with peace of mind and financial security.
Total cash
$
0
Total monthly expenditure
$
0
Basic liquidity
0
Liquid Assets to Net Worth ratio shows how much of your total wealth is in cash or easily accessible assets. This helps you see if you have enough money on hand to cover short-term bills or emergencies. It's a good idea to keep at least 15% of your wealth in liquid assets and to avoid taking on too much debt.
Total cash
$
0
Total net worth
$
0
Liquid assets over net worth
0
%
Debt to Assets ratio reflects the percentage of your assets that are financed through loans. It's advisable to keep this ratio at 50% or lower. A lower ratio indicates greater financial stability and a reduced reliance on borrowed funds, highlighting a healthier financial position.
Total liabilities
$
0
Total assets
$
0
Debt to assets
0
%
Debt Service Ratio measures your ability to manage debt repayments. It is important to maintain a sustainable level based on your monthly income.
Monthly debt repayment
$
0
Month take home pay
$
0
Debt service ratio
0
%
Net Investment Assets to Net Worth ratio gives you an idea of how well your assets are helping you grow your wealth. It’s a good idea to have at least 50% of your total worth invested in assets.
Total invested assets
$
0
Total net worth
$
0
Net investment assets to net worth
0
%
Savings Ratio measures how much of your monthly income you’re saving. A higher ratio indicates a stronger ability to save compared to what you spend. It’s generally recommended to save at least 10% of your income.
Monthly savings
$
0
Monthly income
$
0
Savings ratio
0
%
Solvency Ratio measures whether you have enough assets in your portfolio to cover your debts. A higher solvency ratio indicates a stronger financial position.
Total net worth
$
0
Total assets
$
0
Solvency ratio
0
%
