Cash Flow Summary
| Year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | 2029 | 2030 | 2031 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Age (John/Jane) | 44/41 | 45/42 | 46/43 | 47/44 | 48/45 | 49/46 | 50/47 | 51/48 | 52/49 | 53/50 | 54/51 | 55/52 | 56/53 | 57/54 | 58/55 | 59/56 |
| Inflows | ||||||||||||||||
| John's Salary | 85,000 | 87,550 | 90,177 | 92,882 | 95,668 | 98,538 | 101,494 | 104,539 | 107,675 | 110,906 | 114,233 | 117,660 | 121,190 | 124,825 | 128,570 | 132,427 |
| Jane's Salary | 50,000 | 51,500 | 53,045 | 54,636 | 56,275 | 57,964 | 59,703 | 61,494 | 63,339 | 65,239 | 67,196 | 69,212 | 71,288 | 73,427 | 75,629 | 77,898 |
| Rental Income | 10,000 | 10,300 | 10,609 | 10,927 | 11,255 | 11,593 | 11,941 | 12,299 | 12,668 | 13,048 | 13,439 | 13,842 | 14,258 | 14,685 | 15,126 | 15,580 |
| Total Inflows | 145,000 | 149,350 | 153,831 | 158,445 | 163,199 | 168,095 | 173,138 | 178,332 | 183,682 | 189,192 | 194,868 | 200,714 | 206,735 | 212,937 | 219,326 | 225,905 |
| Outflows | ||||||||||||||||
| Mortgage | 33,750 | 33,750 | 33,750 | 33,750 | 33,750 | 33,750 | 33,750 | 33,750 | 33,750 | 33,750 | 33,750 | 33,750 | 33,750 | 33,750 | 33,750 | 0.00 |
| Credit Card | 11,000 | 10,500 | 9,500 | 9,000 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Vehicle | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Taxes | 36,250 | 37,338 | 38,458 | 39,611 | 40,800 | 42,024 | 43,284 | 44,583 | 45,920 | 47,298 | 48,717 | 50,178 | 51,684 | 53,234 | 54,831 | 56,476 |
| Total Outflows | 84,000 | 84,588 | 84,708 | 85,361 | 77,550 | 75,774 | 77,034 | 78,333 | 79,670 | 81,048 | 82,467 | 83,928 | 85,434 | 86,984 | 88,581 | 56,476 |
| Living Expenses | ||||||||||||||||
| Housing | 18,191 | 18,737 | 19,299 | 19,878 | 20,474 | 21,088 | 21,721 | 22,373 | 23,044 | 23,735 | 24,447 | 25,181 | 25,936 | 26,714 | 27,516 | 28,341 |
| Food | 5,129 | 5,283 | 5,441 | 5,605 | 5,773 | 5,946 | 6,124 | 6,308 | 6,497 | 6,692 | 6,893 | 7,100 | 7,313 | 7,532 | 7,758 | 7,991 |
| Transportation | 5,136 | 5,290 | 5,449 | 5,612 | 5,781 | 5,954 | 6,133 | 6,317 | 6,506 | 6,701 | 6,902 | 7,109 | 7,323 | 7,542 | 7,769 | 8,002 |
| Health Care | 5,146 | 5,300 | 5,459 | 5,623 | 5,792 | 5,966 | 6,145 | 6,329 | 6,519 | 6,714 | 6,916 | 7,123 | 7,337 | 7,557 | 7,784 | 8,017 |
| Personal Items | 2,733 | 2,815 | 2,899 | 2,986 | 3,076 | 3,168 | 3,263 | 3,361 | 3,462 | 3,566 | 3,673 | 3,783 | 3,897 | 4,014 | 4,134 | 4,258 |
| Entertainment | 2,583 | 2,660 | 2,740 | 2,823 | 2,907 | 2,994 | 3,084 | 3,177 | 3,272 | 3,370 | 3,471 | 3,575 | 3,683 | 3,793 | 3,907 | 4,024 |
| Other | 4,082 | 4,204 | 4,331 | 4,461 | 4,594 | 4,732 | 4,874 | 5,020 | 5,171 | 5,326 | 5,486 | 5,650 | 5,820 | 5,995 | 6,174 | 6,360 |
| Total Living Expenses | 43,000 | 44,290 | 45,619 | 46,987 | 48,397 | 49,849 | 51,344 | 52,885 | 54,471 | 56,105 | 57,788 | 59,522 | 61,308 | 63,147 | 65,041 | 66,993 |
| Savings | ||||||||||||||||
| Monthly Savings | 8,000 | 8,120 | 8,242 | 8,365 | 8,491 | 8,618 | 8,748 | 8,879 | 9,012 | 9,147 | 9,284 | 9,424 | 9,565 | 9,708 | 9,854 | 10,002 |
| Total Savings | 8,000 | 8,120 | 8,242 | 8,365 | 8,491 | 8,618 | 8,748 | 8,879 | 9,012 | 9,147 | 9,284 | 9,424 | 9,565 | 9,708 | 9,854 | 10,002 |
| Total Net Cash Flows | 10,000 | 12,353 | 15,262 | 17,731 | 28,761 | 33,854 | 36,011 | 38,235 | 40,528 | 42,892 | 45,328 | 47,840 | 50,429 | 53,098 | 55,849 | 92,435 |