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Highly versatile and user-friendly Excel model for projecting the expected personal cash flow and net worth of an individual or family on an annual basis for a period of up to 50 years.


The model allows the user to project asset and liability balances and cash flows resulting from income streams, ongoing living expenses, income generating assets, loans and other assets and liabilities across a 50-year timeline which can have a mix of actual and forecast periods.


The model allows the user to run projections on both a deterministic and stochastic basis with the stochastic basis using Monte Carlo simulation for investment returns based on 1000 iterations. The model also allows the user to include the impact of special projects (e.g., purchase of yacht or home renovation) on overall savings, cash flows and net worth and to simulate market correction events (eg an economic downturn).

Personal Finance Simulation - PDF

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