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    Masterclass Savings Tracker

    Uploaded by

    biggbossfansshorts
    This is the savings tracking you can use to track your expenses this was shared by sharan hegde in his call so please use it. And this will definitely help you to save some money.

    Copyright:

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

    Masterclass Savings Tracker

    Uploaded by

    biggbossfansshorts
    152 views6 pages
    This is the savings tracking you can use to track your expenses this was shared by sharan hegde in his call so please use it. And this will definitely help you to save some money.

    Copyright

    © © All Rights Reserved

    Available Formats

    XLSX, PDF, TXT or read online from Scribd

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    This is the savings tracking you can use to track your expenses this was shared by sharan hegde in his call so please use it. And this will definitely help you to save some money.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
    152 views6 pages

    Masterclass Savings Tracker

    Uploaded by

    biggbossfansshorts
    This is the savings tracking you can use to track your expenses this was shared by sharan hegde in his call so please use it. And this will definitely help you to save some money.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
    of 6

    I will save

    S.no Learnings Investment type


    1 Rent Over Buying House value
    2 Index Fund Over Large Cap Monthly SIP
    3 Equity Saver Funds vs Debt Monthly SIP
    4 Optimising FD Returns Annual Deposit
    5 SGBs vs Gold Annual Deposit
    6 Normal Term vs Limited Pay NA
    7 New Tax Savings Hack House value
    8
    9
    10

    Name:
    Err:502
    over next 20 years

    Amount Amount Saved


    ₹ - Err:502
    ₹ - ₹0
    ₹ - ₹0
    ₹ - ₹0
    ₹ - ₹0
    ₹ - ₹ 5,640,802
    ₹ - ₹0

    Full Name
    Input cells
    Formula cells (you cannot edit)

    Tax slab 30%

    Fill Loan Related Information


    Flat cost ₹0
    Interiors cost (10-12% of flat cost) ₹0
    Down payment % 20%
    Annual interest rate 9.0%
    Loan period in years 20
    Number of applicants for home loan 2

    Buy
    SI. No. Details INR
    a Flat cost ₹0
    b Down payment ₹0
    c Loan ₹0
    d EMI ₹0
    e Total interest paid Err:502
    f Total payment done on loan (c + e) Err:502
    g Total payment done on flat (b+f) Err:502
    h Maintenance cost over the years ₹0
    i Total cost of home ownership (g+h) Err:502
    j Property value after home loan is paid off ₹0
    k Invested tax savings after loan ends ₹0
    l Invested rent savings (when rent > EMI) ₹0
    m Total liquid investment ₹0
    n Total Profit (Owning a house) Err:502
    This workbook along with all its contents are the intellectual property of Finance with Sharan, distribution of which is strictly prohibited.

    Rental and property assumption


    Annual increase in rent 5%
    Property appreciation % 7%
    Property Maintenance appreciation % 5%
    Rental Yield 3.0%
    Property Maintenance Cost 0.6%

    Rent
    Sl. No. Details INR
    a Current Rent paid -
    b Maintenance -
    c Total rental expense ₹0
    d Total rent paid during loan tenure -
    e Invested down payment after loan ends -
    f Invested EMI savings (when EMI > rent) -
    g Invested HRA tax savings -
    h Total savings (e+f+g) -
    i Total Profit (h-d) -
    Source

    Investment assumptions
    Investment returns 12.0% Source

    Applicability of Section 80C


    Section 80 C Limit 300,000
    Utilized in other amounts 100,000
    Available amount 200,000

    Which is better after loan ends?


    Item Purchased home early (INR Crores) Rent (INR Crores)
    Property 0.0 -
    Liquid assets 0.0 0.0
    Cost Err:502 0.0
    Total Err:502 0.0

    10 years later loan ends


    Item Purchased home early (INR Crores) Rent
    Property 0.0 -
    Liquid assets 0.0 0.0
    Rent paid - 0.0
    Total 0.0 0.0
    er loan ends?
    Verdict (INR Crores)
    -
    -

    Err:502

    oan ends
    Verdict (INR Crores)
    -
    -
    -
    Buying a house is better by 0 Crores

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