Net Worth Sheet

Personal Finance

Report by Year

Year	Expected NW	Net Worth	Incomes	Expenses	Cash Flow	Saving
2018	178689.00€	178689.00€	240672.00€	61983.00€	178689.00€	74.25%
2019	354419.00€	354419.00€	254601.00€	78871.00€	175730.00€	69.02%
2020	481865.00€	481865.00€	209488.00€	82042.00€	127446.00€	60.84%
2021	632713.00€	632713.00€	251131.00€	100283.00€	150848.00€	60.07%
2022	720801.00€	720801.00€	190823.00€	102735.00€	88088.00€	46.16%

Report by Asset

Year	Bank	PayPal	Ready Cash
2018	177271.00€	101.00€	1317.00€
2019	349675.00€	301.00€	4443.00€
2020	470294.00€	1486.00€	10085.00€
2021	569262.00€	37402.00€	26049.00€
2022	622247.00€	58434.00€	40120.00€

Net Worth & Expected NW

Net Worth 2024 by Asset

Cash Flow by Year

Incomes & Expenses by Year

Incomes by Category

Year	Mr Salary	Mrs Salary	Projects	Dividends	Others
2018	211843.00€	23814.00€	101.00€	3597.00€	1317.00€
2019	226943.00€	14915.00€	200.00€	9417.00€	3126.00€
2020	167704.00€	20720.00€	1185.00€	14237.00€	5642.00€
2021	176658.00€	4287.00€	35916.00€	18306.00€	15964.00€
2022	130683.00€	0.00€	21032.00€	25037.00€	14071.00€

Incomes Categories

Category	Description
Mr Salary	Compensation of Mr Salary
Mrs Salary	Compensation of Mrs Salary
Projects	Compensation for a specific project
Dividends	Dividends from investments
Others	Untracked transactions where the client is a third party

Expenses by Category

Year	Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
2018	23013.00€	9586.00€	6513.00€	2178.00€	2977.00€	907.00€	11308.00€	1159.00€	634.00€	3708.00€
2019	29340.00€	14516.00€	7080.00€	2240.00€	2282.00€	438.00€	17947.00€	325.00€	886.00€	3817.00€
2020	34911.00€	11727.00€	10025.00€	1438.00€	2106.00€	1337.00€	7287.00€	822.00€	754.00€	11635.00€
2021	33791.00€	16047.00€	11739.00€	1802.00€	2970.00€	1429.00€	7666.00€	1039.00€	3957.00€	19843.00€
2022	29869.00€	17016.00€	13489.00€	1491.00€	3154.00€	595.00€	11598.00€	737.00€	543.00€	24243.00€

Expenses Categories

Category	Description
Housing	Mortgage or rent, condo fee, internet, furniture, insurance, cleaning, TV, electricity
Health	Insurance, doctors, glasses, medicines, sport
Groceries	Food expenditure
Transport	Local transport, travel, parking
Out	Bar, restaurants, take away, food delivery
Clothing	Clothing stores, malls
Leisure	Subscriptions, tech, games, entertainment
Gifts	Gifts to relatives and friends
Fees	Bank fees, state taxes, other fees or taxes
Others	Untracked transactions where the client is a third party

Year	Asset	Client	Category	Amount	Name
01 Jan	Bank	XYZ	Mr Salary	211843.00€	TBD
01 Jan	Bank	XYZ	Housing	23013.00€	TBD
02 Jan	Bank	XYZ	Mrs Salary	23814.00€	TBD
02 Jan	Bank	XYZ	Health	9586.00€	TBD
03 Jan	PayPal	XYZ	Projects	101.00€	TBD
03 Jan	Bank	XYZ	Groceries	6513.00€	TBD
04 Jan	Bank	XYZ	Dividends	3597.00€	TBD
04 Jan	Bank	XYZ	Transport	2178.00€	TBD
05 Jan	Ready Cash	XYZ	Others	1317.00€	TBD
05 Jan	Bank	XYZ	Out	2977.00€	TBD
06 Jan	Bank	XYZ	Clothing	907.00€	TBD
07 Jan	Bank	XYZ	Leisure	11308.00€	TBD
08 Jan	Bank	XYZ	Gifts	1159.00€	TBD
09 Jan	Bank	XYZ	Fees	634.00€	TBD
10 Jan	Bank	XYZ	Others	3708.00€	TBD

Year	Asset	Client	Category	Amount	Name
01 Jan	Bank	XYZ	Mr Salary	226943.00€	TBD
01 Jan	Bank	XYZ	Housing	29340.00€	TBD
02 Jan	Bank	XYZ	Mrs Salary	14915.00€	TBD
02 Jan	Bank	XYZ	Health	14516.00€	TBD
03 Jan	PayPal	XYZ	Projects	200.00€	TBD
03 Jan	Bank	XYZ	Groceries	7080.00€	TBD
04 Jan	Bank	XYZ	Dividends	9417.00€	TBD
04 Jan	Bank	XYZ	Transport	2240.00€	TBD
05 Jan	Ready Cash	XYZ	Others	3126.00€	TBD
05 Jan	Bank	XYZ	Out	2282.00€	TBD
06 Jan	Bank	XYZ	Clothing	438.00€	TBD
07 Jan	Bank	XYZ	Leisure	17947.00€	TBD
08 Jan	Bank	XYZ	Gifts	325.00€	TBD
09 Jan	Bank	XYZ	Fees	886.00€	TBD
10 Jan	Bank	XYZ	Others	3817.00€	TBD

Year	Asset	Client	Category	Amount	Name
01 Jan	Bank	XYZ	Mr Salary	167704.00€	TBD
01 Jan	Bank	XYZ	Housing	34911.00€	TBD
02 Jan	Bank	XYZ	Mrs Salary	20720.00€	TBD
02 Jan	Bank	XYZ	Health	11727.00€	TBD
03 Jan	PayPal	XYZ	Projects	1185.00€	TBD
03 Jan	Bank	XYZ	Groceries	10025.00€	TBD
04 Jan	Bank	XYZ	Dividends	14237.00€	TBD
04 Jan	Bank	XYZ	Transport	1438.00€	TBD
05 Jan	Ready Cash	XYZ	Others	5642.00€	TBD
05 Jan	Bank	XYZ	Out	2106.00€	TBD
06 Jan	Bank	XYZ	Clothing	1337.00€	TBD
07 Jan	Bank	XYZ	Leisure	7287.00€	TBD
08 Jan	Bank	XYZ	Gifts	822.00€	TBD
09 Jan	Bank	XYZ	Fees	754.00€	TBD
10 Jan	Bank	XYZ	Others	11635.00€	TBD

Year	Asset	Client	Category	Amount	Name
01 Jan	Bank	XYZ	Mr Salary	176658.00€	TBD
01 Jan	Bank	XYZ	Housing	33791.00€	TBD
02 Jan	Bank	XYZ	Mrs Salary	4287.00€	TBD
02 Jan	Bank	XYZ	Health	16047.00€	TBD
03 Jan	PayPal	XYZ	Projects	35916.00€	TBD
03 Jan	Bank	XYZ	Groceries	11739.00€	TBD
04 Jan	Bank	XYZ	Dividends	18306.00€	TBD
04 Jan	Bank	XYZ	Transport	1802.00€	TBD
05 Jan	Ready Cash	XYZ	Others	15964.00€	TBD
05 Jan	Bank	XYZ	Out	2970.00€	TBD
06 Jan	Bank	XYZ	Clothing	1429.00€	TBD
07 Jan	Bank	XYZ	Leisure	7666.00€	TBD
08 Jan	Bank	XYZ	Gifts	1039.00€	TBD
09 Jan	Bank	XYZ	Fees	3957.00€	TBD
10 Jan	Bank	XYZ	Others	19843.00€	TBD

Year	Asset	Client	Category	Amount	Name
01 Jan	Bank	XYZ	Mr Salary	130683.00€	TBD
01 Jan	Bank	XYZ	Housing	29869.00€	TBD
02 Jan	Bank	XYZ	Mrs Salary	0.00€	TBD
02 Jan	Bank	XYZ	Health	17016.00€	TBD
03 Jan	PayPal	XYZ	Projects	21032.00€	TBD
03 Jan	Bank	XYZ	Groceries	13489.00€	TBD
04 Jan	Bank	XYZ	Dividends	25037.00€	TBD
04 Jan	Bank	XYZ	Transport	1491.00€	TBD
05 Jan	Ready Cash	XYZ	Others	14071.00€	TBD
05 Jan	Bank	XYZ	Out	3154.00€	TBD
06 Jan	Bank	XYZ	Clothing	595.00€	TBD
07 Jan	Bank	XYZ	Leisure	11598.00€	TBD
08 Jan	Bank	XYZ	Gifts	737.00€	TBD
09 Jan	Bank	XYZ	Fees	543.00€	TBD
10 Jan	Bank	XYZ	Others	24243.00€	TBD

Expenses by January are 61983.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
23013.00€	9586.00€	6513.00€	2178.00€	2977.00€	907.00€	11308.00€	1159.00€	634.00€	3708.00€

Expenses by February are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by March are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by April are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by May are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by June are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by July are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by August are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by September are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by October are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by November are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by December are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by January are 78871.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
29340.00€	14516.00€	7080.00€	2240.00€	2282.00€	438.00€	17947.00€	325.00€	886.00€	3817.00€

Expenses by February are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by March are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by April are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by May are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by June are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by July are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by August are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by September are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by October are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by November are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by December are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by January are 82042.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
34911.00€	11727.00€	10025.00€	1438.00€	2106.00€	1337.00€	7287.00€	822.00€	754.00€	11635.00€

Expenses by February are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by March are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by April are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by May are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by June are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by July are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by August are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by September are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by October are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by November are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by December are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by January are 100283.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
33791.00€	16047.00€	11739.00€	1802.00€	2970.00€	1429.00€	7666.00€	1039.00€	3957.00€	19843.00€

Expenses by February are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by March are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by April are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by May are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by June are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by July are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by August are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by September are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by October are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by November are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by December are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by January are 102735.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
29869.00€	17016.00€	13489.00€	1491.00€	3154.00€	595.00€	11598.00€	737.00€	543.00€	24243.00€

Expenses by February are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by March are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by April are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by May are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by June are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by July are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by August are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by September are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by October are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by November are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Expenses by December are 0.00€

Housing	Health	Groceries	Transport	Out	Clothing	Leisure	Gifts	Fees	Others
0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€	0.00€

Net Worth Sheet

Personal Finance

Net Worth & Expected NW

Net Worth 2024 by Asset

Cash Flow by Year

Incomes & Expenses by Year

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