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My Cash Flow 2nd year

2020
Month/Year 31/12/20
Years Old 23
Cash deposited T RUB 100

Savings T RUB -

Income
Wage Net (4th and 22nd of current month) T RUB 52,102 -
Wage Gross T RUB
Add El T RUB

Costs
Overall (43,584) -
Maintenance T RUB
Things to buy T RUB
Travel T RUB
1st payment for apartments T RUB (1,827)
Mortgage payments T RUB (15,869)
Wedding + car T RUB (1,300)

% mortgage interest rate % 7%

Стоимость кавртиры T RUB (11,827)


Тело на начало T RUB (10,000)
проценты T RUB
погашение T RUB
дополнительное погашение T RUB
Тело на конец T RUB
Кэш на конец перед погашением T RUB

Плата по ипотеке в месяц T RUB (79)

Опыт работы (от января 2019) лет 2.0

Месяцев от начала план-ия мес 19


Лет от начала план-ия лет 1.6
1 2 3 4 5

20 19 18 17 16

2020 2021 2022 2023 2024 2025 2026 2027 2028


23 24 25 26 27 28 29 30 31
100 525 1,475 2,693 - 268 430 544 639

- 425 951 1,218 (2,693) 268 161 114 95

115 150 156 162 169 175 182


- 838 1,201 1,566 1,629 1,694 1,762 1,832 1,905
- 963 1,380 1,800 1,872 1,947 2,025 2,106 2,190
330 330 330 330 330 330 330

- (500) (580) (678) (4,652) (1,755) (1,930) (2,048) (2,140)


- (400) (480) (528) (581) (604) (628) (653) (679)
- - -
- (100) (100) (150) - (200) (208) (216) (225)
(1,827)
(944) (951) (1,094) (1,178) (1,235)
(1,300)

10,000 9,756 9,488 9,058 8,514


(700) (683) (664) (634) (596)
(244) (261) (279) (294) (305)
- (7) (151) (250) (334)
9,756 9,488 9,058 8,514 7,874
244 537 860 1,088 1,279

2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0

19 31 43 55 67 79 91 103 115
1.6 2.6 3.6 4.6 5.6 6.6 7.6 8.6 9.6
6 7 8 9 10 11 12 13 14

15 14 13 12 11 10 9 8 7

2029 2030 2031 2032 2033 2034 2035 2036 2037


32 33 34 35 36 37 38 39 40
730 821 917 1,020 1,130 1,249 1,378 2,404 4,159

90 91 96 103 110 119 129 1,026 1,755

190 197 205 213 222 231 240 250 260


1,981 2,061 2,143 2,229 2,318 2,411 2,507 2,608 2,712
2,278 2,369 2,463 2,562 2,664 2,771 2,882 2,997 3,117
330 330 330 330 330 330 330 330 330

(2,221) (2,299) (2,377) (2,456) (2,538) (2,622) (2,709) (1,911) (1,287)


(707) (735) (764) (795) (827) (860) (894) (930) (967)

(234) (243) (253) (263) (274) (285) (296) (308) (320)

(1,281) (1,321) (1,360) (1,398) (1,437) (1,477) (1,518) (674) -

7,874 7,145 6,324 5,407 4,387 3,257 2,007 630 -


(551) (500) (443) (378) (307) (228) (141) (44) -
(313) (317) (314) (302) (278) (236) (168) (61) -
(416) (504) (603) (717) (852) (1,014) (1,210) (568) -
7,145 6,324 5,407 4,387 3,257 2,007 630 - -
1,459 1,642 1,834 2,039 2,260 2,499 2,756 3,034 4,159

11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 19.0

127 139 151 163 175 187 199 211 223


10.6 11.6 12.6 13.6 14.6 15.6 16.6 17.6 18.6
15 16 17 18 19 20

6 5 4 3 2 1

2038 2039 2040 2041 2042 2043


41 42 43 44 45 46
5,970 7,841 9,773 11,770 13,833 15,965

1,812 1,871 1,932 1,996 2,063 2,132

270 281 292 304 316 329


2,820 2,933 3,050 3,172 3,299 3,431
3,242 3,371 3,506 3,646 3,792 3,944
330 330 330 330 330 330

(1,339) (1,392) (1,448) (1,506) (1,566) (1,629)


(1,006) (1,046) (1,088) (1,131) (1,177) (1,224)

(333) (346) (360) (375) (390) (405)

- - - - - -

- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
5,970 7,841 9,773 11,770 13,833 15,965

20.0 21.0 22.0 23.0 24.0 25.0

235 247 259 271 283 295


19.6 20.6 21.6 22.6 23.6 24.6
My Cash Flow
Month/Year 2020
Years Old 23
Cash deposited T RUB 100

Savings T RUB -

Income
Wage Net (4th and 22nd of current month) T RUB 36,216 -
Wage Gross T RUB -
Add El T RUB

Costs
Overall (37,977) -
Maintenance T RUB -
Things to buy T RUB -
Travel T RUB -
1st payment for apartments T RUB (2,091)
Mortgage payments T RUB (16,125)
Wedding + car T RUB (3,300)

% mortgage interest rate % 7%

Стоимость кавртиры T RUB (12,091)


Тело на начало T RUB (10,000)
проценты T RUB
погашение T RUB
дополнительное погашение T RUB
Тело на конец T RUB
Кэш на конец перед погашением T RUB

Плата по ипотеке в месяц T RUB (79)


-58.0%
1 2 3 4 5 6

20 19 18 17 16 15

2021 2022 2023 2024 2025 2026 2027 2028 2029


24 25 26 27 28 29 30 31 32
565 1,625 2,891 - 309 501 (8) 425 686

465 1,061 1,266 (2,891) 309 192 (508) 433 261

115 150 156 162 169 175 182 190


838 1,201 1,566 1,629 1,694 1,762 1,832 1,905 1,981
963 1,380 1,800 1,872 1,947 2,025 2,106 2,190 2,278
330 330 343 357 371 386 401 418

(130) (470) (630) (4,863) (1,741) (1,941) (2,727) (1,874) (2,138)


(30) (370) (480) (528) (549) (571) (594) (618) (642)
- -
(100) (100) (150) - (200) (208) (216) (225) (234)
(2,091)
(944) (992) (1,162) (916) (1,031) (1,262)
(1,300) (1,000)

10,000 9,756 9,447 8,946 8,656 8,231


(700) (683) (661) (626) (606) (576)
(244) (261) (278) (290) (310) (328)
- (48) (223) - (115) (358)
9,756 9,447 8,946 8,656 8,231 7,545
244 619 1,002 282 851 1,372
7 8 9 10 11 12 13 14 15

14 13 12 11 10 9 8 7 6

2030 2031 2032 2033 2034 2035 2036 2037 2038


33 34 35 36 37 38 39 40 41
871 1,025 671 1,052 1,315 1,529 2,377 3,461 5,628

185 155 (354) 381 263 214 847 1,084 2,167

197 205 213 222 231 240 250 260 270


2,061 2,143 2,229 2,318 2,411 2,507 2,608 2,712 2,820
2,369 2,463 2,562 2,664 2,771 2,882 2,997 3,117 3,242
434 452 470 488 508 528 549 571 594

(2,310) (2,440) (3,053) (2,426) (2,656) (2,821) (2,310) (2,199) (1,247)


(668) (695) (723) (752) (782) (813) (845) (879) (914)

(243) (253) (263) (274) (285) (296) (308) (320) (333)

(1,399) (1,492) (1,067) (1,401) (1,590) (1,712) (1,156) - -


(1,000) (1,000)

7,545 6,674 5,649 4,977 3,925 2,610 1,081 - -


(528) (467) (395) (348) (275) (183) (76) - -
(335) (331) (316) (315) (284) (218) (105) - -
(536) (694) (356) (737) (1,031) (1,312) (975) - -
6,674 5,649 4,977 3,925 2,610 1,081 - - -
1,741 2,050 1,343 2,104 2,630 3,059 3,458 3,461 5,628
16 17 18 19 20

5 4 3 2 1

2039 2040 2041 2042 2043


42 43 44 45 46
7,882 10,226 12,664 15,199 17,836

2,254 2,344 2,438 2,535 2,637

281 292 304 316 329


2,933 3,050 3,172 3,299 3,431
3,371 3,506 3,646 3,792 3,944
618 643 669 695 723

(1,297) (1,349) (1,403) (1,459) (1,518)


(951) (989) (1,028) (1,070) (1,112)

(346) (360) (375) (390) (405)

- - - - -

- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
7,882 10,226 12,664 15,199 17,836