Budget Spreadsheet
Many of us wonder where our money went at the end of each month. Drawing up a monthly budget can help us take control of our expenses. Keeping to a budget can go a long way in growing our savings. This budget spreadsheet can help us keep track of our expenses.

Comparing the Planned and Actual columns will give you an idea how far your actual expenditure has deviated from your planned one. It will allow you to see where you have to re-evaluate and where you can reallocate your resources.

This budget spreadsheet is also used together with the Institute’s talk and workshop on “Making Sense Of Your Money

Crisis Budget Spreadsheet

Use this to prepare a budget when income stream has become uncertain, interrupted and cashflow is under strain.

Effective Interest Rate Calculator
The Effective Interest Rate (or “EIR”) of a loan reflects the true cost of taking that loan, by taking into account the frequency of repayments. Use this spreadsheet to calculate the effective interest rate of your loans.

Insurance Portfolio Summary 

Use this spreadsheet to have an overview of your insurance policies.

Loan Amortization Calculator

This calculator helps you to estimate your monthly loan repayments, interest charges and payoff date. Your monthly payment for a loan amount will depend on the amount, term and interest rate of the loan. 

Loan Repayment Schedule

Use this spreadsheet to prioritise and to have an overview of your loan repayments.

Net Cash Flow Statement
Use this spreadsheet to calculate your Net Cash Flow. You can do this on a yearly basis. If you have a Cash Surplus, consider investing the extra cash in order to generate better returns. If you have a Cash Deficit, make efforts to find out the reasons and make necessary changes.

Net Worth Spreadsheet
This Net Worth Spreadsheet can help you in your planning towards increasing your net worth over time. Assessing your current financial situation and calculating your net worth is an important step in financial planning. Net worth is the difference in value between your assets and liabilities. Work towards increasing your net worth over time.

Total Assets

• Liquid Assets
These are assets that are short-term in nature, and can easily be converted into cash. They include savings, current accounts, fixed accounts and short-term government issues.

• Invested Assets
These are investment assets acquired for the purpose of generating an income as well as future capital growth. They usually have a medium to long term time horizon. These assets include financial instruments such as bonds, equities, real estates, derivatives as well as CPF accounts.

• Personal Consumption Assets
These are assets that are non-investment in nature and are meant for personal consumption and enjoyment. They include your house, car, home contents, jewelries, other personal valuables and collectibles.


• Current Liabilities
These are liabilities with a time frame of less than 12 months and are short-term in nature. Examples include credit card bills and provision for income tax.

• Long-Term Liabilities
These are liabilities with a time frame exceeding 12 months and are long-term in nature. These include items like home mortgage loan, car loan and renovation loan.

Retirement Calculator
Use this spreadsheet to estimate your retirement income needs.

Retirement Savings / Investment Illustrator

This tool will help you evaluate how much your current retirement savings/regular investment will be worth upon retirement. The tool will also show you how long this savings/investment will last you in retirement, based on your input of desired retirement income per year.

Use this tool together with the Retirement Calculator above.

Savings & Goal Savings Calculator
Use this calculator to estimate how much your monthly savings will add up to. You can also use this calculator to estimate daily, weekly and monthly savings required to meet your savings goal. Forming a good savings habit will go a long way in improving your financial assets.

Spending Plan Spreadsheet
Use this spreadsheet to plan your spending. Do this on a monthly basis and compare between the actual and targeted expenses.

Tertiary Fees Estimator
Use this spreadsheet to estimate the tertiary education fees incurred.