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    Finances

    Uploaded by

    Nigel Kow
    This document contains a monthly balance sheet template to track a person's income and expenses over multiple categories. It includes sections for monthly and annual income, home utilities, family expenses, personal expenses, transportation costs, debt repayments, savings and investments, and notes for additional information like CPF contribution rates. The template calculates a monthly and annual surplus or shortfall from the income and expenditure amounts entered.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd

    Finances

    Uploaded by

    Nigel Kow
    22 views96 pages
    This document contains a monthly balance sheet template to track a person's income and expenses over multiple categories. It includes sections for monthly and annual income, home utilities, family expenses, personal expenses, transportation costs, debt repayments, savings and investments, and notes for additional information like CPF contribution rates. The template calculates a monthly and annual surplus or shortfall from the income and expenditure amounts entered.

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    finance

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    This document contains a monthly balance sheet template to track a person's income and expenses over multiple categories. It includes sections for monthly and annual income, home utilities, family expenses, personal expenses, transportation costs, debt repayments, savings and investments, and notes for additional information like CPF contribution rates. The template calculates a monthly and annual surplus or shortfall from the income and expenditure amounts entered.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
    22 views96 pages

    Finances

    Uploaded by

    Nigel Kow
    This document contains a monthly balance sheet template to track a person's income and expenses over multiple categories. It includes sections for monthly and annual income, home utilities, family expenses, personal expenses, transportation costs, debt repayments, savings and investments, and notes for additional information like CPF contribution rates. The template calculates a monthly and annual surplus or shortfall from the income and expenditure amounts entered.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
    You are on page 1of 96

    2016 - Overtime Hour

    MAY
    W

    10

    11

    12

    13

    14

    10

    15

    16

    17

    18

    19

    20

    21

    12

    13

    14

    15

    16

    22

    23

    24

    25

    26

    27

    28

    19

    20

    21

    22

    23

    29

    30

    31

    26

    27

    28

    29

    30

    JUNE
    W

    JULY
    W

    4
    11

    17

    18

    10

    11

    12

    13

    14

    24

    25

    17

    18

    19

    20

    21

    24

    25

    26

    27

    28

    NOVEMBER
    T
    W
    T

    31

    Workday
    Off day
    S

    SEPTEMBER
    T
    W
    T

    OCTOBER
    W
    T

    10

    10

    11

    12

    13

    14

    15

    16

    17

    10

    11

    12

    13

    14

    15

    13

    14

    15

    16

    17

    18

    19

    20

    21

    22

    23

    24

    16

    17

    18

    19

    20

    21

    22

    20

    21

    22

    23

    24

    25

    26

    27

    28

    29

    30

    23

    24

    25

    26

    27

    28

    29

    27

    28

    29

    30

    30

    31

    Workday
    Off day
    Notes:

    Hours

    LY
    S

    AUGUST
    T
    W
    T

    10

    11

    12

    13

    15

    16

    14

    15

    16

    17

    18

    19

    20

    22

    23

    21

    22

    23

    24

    25

    26

    27

    30

    31

    29

    30

    28

    29

    11

    12

    18

    19

    11

    12

    25

    26

    18
    25

    MBER

    DECEMBER
    T
    W
    T

    10

    13

    14

    15

    16

    17

    19

    20

    21

    22

    23

    24

    26

    27

    28

    29

    30

    31

    Monthly Balance Sheet (Income/ Expense)


    Name
    INFLOW
    1.1 Monthly Income
    Gross Salary (Basic)
    Shift Pay (Before CPF)
    OT Pay (1.5x)
    OT Pay (2x)
    Interest Income
    Director Fee
    Other Income with no CPF
    Less: Employee CPF on OW
    Net Income Sub Total
    OverTime Hours (1.5x)
    OverTime Hours (2x)
    1.2 Annual Inome
    Input Number of Months Bonus
    Gross Bonus AW (b4 CPF)
    AW subject to CPF
    Less: CPF on Bonuses
    Net Bonuses
    Input Annual Dividends
    * Select employee's CPF contribution (Default is 20%)
    ** Select Employer's CPF contribution (Default 16.0%)
    Additional Information
    Select OA Percentage
    Yearly CPF OA contribution on Basic*
    Yearly CPF OA contribution on bonuses, if applicable
    Total Yearly CPF OA contribution
    Net Yearly CPF OA contribution

    MONTHLY TAKE HOME INCOME


    ANNUAL TAKE HOME INCOME
    (including annual bonuses)

    Self

    Spouse

    $
    $
    $

    3,200
    245.45

    3,445

    Self

    Spouse

    Self

    Spouse

    2. Home Utilities

    Self

    3. Family

    Self

    Home Rental
    Car Park and Coserv
    PUB (Water and Gas)
    Telecomms
    Domestic & levy
    Cable + Mobile
    Newspaper
    Others (pls specify)
    Sub Total

    Child Expenses
    School Fees/Tuition
    Childcare
    Clothings/Toys etc
    Other Activities
    Food
    Groceries
    Eating out
    Parents Allowance
    Spouse Allowance
    Home Insurance
    Medical & Dental
    Others
    Sub Total

    TOTAL MONTHLY EXPENSES


    (SELF/SPOUSE)
    TOTAL ANNUAL EXPENSES

    OUTFLOW
    Spouse

    Spouse

    OUTFLOW
    4. Personal

    Self

    5. Private

    Self

    Meals
    Public Transport
    Personal/Clothing
    Handphone Bill
    Recreation
    Club Membership
    Gifts/Presents
    Monthly Income Tax
    Tithes
    Charity/Donations
    Others (pls specify)
    Sub Total

    Petrol
    Road Tax
    Maintenance
    Parking/ERP
    Car Insurance
    Others (pls specify)

    Sub Total

    MONTHLY SURPLUS/ SHORTFALL

    ANNUAL SURPLUS/SHORTFALL

    Spouse

    Spouse

    6. Debt Repayment

    Self

    7. Savings & Investments

    Self

    Home Loan (Cash)


    Home Loan (CPF)
    Renovation Loan
    Personal/student Loan
    Vehicle loan installment
    Others (pls specify)
    Sub Total

    Life Insurance
    Self
    Spouse
    Children
    Fixed Savings
    Purpose
    Sub Total
    8. Annual Exp
    SRS
    Vol CPF Contrib
    Vacations
    Big Ticket Items
    Gifts
    Property Tax
    Annual Income Tax
    Misc

    Sub Total

    Self

    Spouse

    Spouse

    Spouse

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