Tools

Personal Worth Calculator

Liabilities		Assets
Housing loan(s)	$	Cash/bank deposits	$
Investment loan(s)	$	Shares/investments	$
Personal loan(s)	$	House	$
Credit card(s)	$	Other real estate	$
Hire purchase contract(s)	$	Car(s)	$
Store Account(s)	$	Insurance/superannuation	$
Any other monies owing	$	Other	$
Total	$	Total	$
You need sufficient assets to prove equity and/or to support your loan application. The lender will expect you to bear the risk		(Less) liabilities	$
		Your net worth	$

Regular Monthly Bills		Other Monthly Expenses
Housing payments	$	Food	$
Car payments	$	Health	$
Credit cards	$	Clothes	$
Insurance premium	$	Entertainment	$
Phone, electricity	$	Transport	$
Rates, taxes	$	Education	$
Other	$	Other	$
Total	$	Total	$
	Total monthly bills		$
	(Plus) Total monthly expenses		$
	(Equals) Monthly income needed		$

Expected level of sales	$
Less cost of purchases or manufacture	$
Gross profit	$
Less operating costs (including owner income)	$
Net profit	$
Less tax	$
Less loan interest	$
* Balance remaining	$