Review your income and expenditure
For your future planning it is important to review your current income and expenditure and determine your potential savings. This will also provide you with a better understanding of your spending and savings patterns and may help you find ways to use your money more effectively.
How much can I save?
Income Statement
Weekly Fortnightly Monthly Annually  
Income
Wages and Salaries (Before Tax) $
Bonuses and Commissions $
Pensions and Annuities $
Investment Income
Interest received $
Dividends received $
Rents received $
Other $
Other Income $
Total Income $
Less Tax $
Less Student Loan $
Net Income $
Expenditure Statement
Weekly Fortnightly Monthly Annually  
What do you spend your money on? How much do you spend? How much could you reduce your spending by?
Savings $ $
Superannuation $ $
Other $ $
Loan Payments
Mortgage $ $
Hire Purchase $ $
Credit card $ $
Extra Student Loan Repayments $ $
Other Loans $ $
Insurance
Life $ $
Income $ $
Home and Contents $ $
Vehicle $ $
Medical $ $
Household
Rent $ $
Maintenance $ $
Rates $ $
Utilities
Electricity $ $
Gas $ $
Telephone $ $
Television $ $
Food $ $
Transport
Car Registration $ $
Petrol $ $
Maintenance $ $
Bus / Taxi $ $
Healthcare
Doctor/ Dentist $ $
Prescriptions $ $
Clothing $ $
Children
Support / Maintenance $ $
Education $ $
Discretionary Payments
Holidays $ $
Home Appliances $ $
Entertainment $ $
Sports and Hobbies $ $
Other $ $
Totals $ $
Net Income $
Total Spending $
Surplus / Deficit (Net Income - Total Spending) $
Total reduced spending $
Total you could save (Surplus / Deficit + Total reduced spending) $
 
Review your assets and debts

In the table below, list your assets and show how they are spread over the major investment sectors. You can then decide if you would like to allocate some of your assets to invest in ABC Bank Funds. At a later date you may wish to review your investment plan and invest more of your assets through ABC Bank.

What are my assets?
Lifestyle assets Details $ value
House $
Cars $
Other $
Total Lifestyle Assets $
Investment assets Cash & fixed interest Property United States shares World Shares
Bank accounts and term investments $      
Investment property   $    
Unit trusts $ $ $ $
Retirement funds $ $ $ $
Shares     $ $
Other $ $ $ $
Total Investment Assets $ $ $ $
Unless otherwise instructed, the investment advice given as a result of using this Guide will only take into consideration those assets allocated to ABC Bank or ABC Bank Group Investments for investment.
Major Debts Interest Rate % Total $
Mortgage on home % $
Other Mortgages % $
Credit Cards % $
Hire purchase % $
Personal loan % $
Student loan % $
Other % $
Total Debts $
Your Net Worth is your assets less your debts
Lifestyle Assets $
Investment Assets $
Total Assets (Lifestyle Assets + Investment Assets) $
Total Debts $
Net Worth (Total Assets - Total Debts) $
Note: this calculator is provided for your convenience, and is not designed to replace financial advice from an authorised financial planner.