Year of Plan

Year
Age (GOALS)

Cash Assets
Savings Account 1
Savings Account 2
Savings Account 3
Fixed Deposit Account 1
Fixed Deposit Account 2
Cash Assets Sub-Total:
% of Cash Assets as a Total of All Assets:

Equity Assets
Singapore Stocks
US Stocks
Equity Assets Sub-Total:
% of Equity Assets as a Total of All Assets:

CPF Assets
Ordinary Account
Special Account
Medisave Account
Investment Account - Ordinary Account
Investment Account - Special Account
CPF Assets Sub-Total:
% of CPF Assets as a Total of All Assets:

Property Assets (www.ura.gov.sg or www.hdb.gov.sg)

Market Value of Property 1
Market Value of Property 2
Market Value of Property 3
Property Assets Sub-Total:
% of Property Assets as a Total of All Assets:

Other Assets
Insurance Policy 1
Insurance Policy 2
Insurance Policy 3
Insurance Policy 4
Car
Artwork
Jewellery
Country Club
Business
Other Assets Sub-Total:
% of Other Assets as a Total of All Assets:

Total Assets:

Short Term Liabilities

Overdraft Account
Credit Card Balance
Short Term Liabilities Sub-Total:
% of Short Term Liabilities as a Total of Total Liabilities:

Long Term Liabilities

Car Loan
Home Mortgage Loan 1
Home Mortgage Loan 2
Short Term Liabilities Sub-Total:
% of Short Term Liabilities as a Total of Total Liabilities:

Total Liabilities:

NET WORTH
$ 1.00 $ 2.00 $ 3.00
$ 2,010.00 $ 2,011.00 $ 2,012.00
$ 38.00 $ 39.00 $ 40.00

ASSET

$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!

$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!

$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!

$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!
$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!

$ - $ - $ -

LIABILIT

$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!

$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!

$ - $ - $ -

$ - $ - $ -
$ 4.00 $ 5.00 $ 6.00
$ 2,013.00 $ 2,014.00 $ 2,015.00
$ 41.00 $ 42.00 $ 43.00

ASSETS

$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!

$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!

$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!

$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!
$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!

$ - $ - $ -

LIABILITIES

$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!

$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!

$ - $ - $ -

$ - $ - $ -
$ 7.00 $ 8.00 $ 9.00
$ 2,016.00 $ 2,017.00 $ 2,018.00
$ 44.00 $ 45.00 $ 46.00

$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!

$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!

$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!

$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!
$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!

$ - $ - $ -

$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!

$ - $ - $ -
#DIV/0! #DIV/0! #DIV/0!

$ - $ - $ -

$ - $ - $ -
$ 10.00 $ 11.00
$ 2,019.00 $ 2,020.00
$ 47.00 $ 48.00

$ - $ -
#DIV/0! #DIV/0!

$ - $ -
#DIV/0! #DIV/0!

$ - $ -
#DIV/0! #DIV/0!

$ - $ -
#DIV/0! #DIV/0!
$ - $ -
#DIV/0! #DIV/0!

$ - $ -

$ - $ -
#DIV/0! #DIV/0!

$ - $ -
#DIV/0! #DIV/0!

$ - $ -

$ - $ -
 January February
ACTIVE INCOME
Net Salary (After deducting CPF) $5,500.00 $5,500.00
Commissions
Bonuses
Directors Fees
Freelance / Consulting fees
Active Income Sub-Total: $5,500.00 $5,500.00

PASSIVE INCOME
Dividends
Royalties
Interest Income
Private Business Profits
Net Rental Income
Passive Income Sub-Total: $0.00 $0.00

Total Annual Income: $5,500.00 $5,500.00

PERSONAL
Dining Out $100.00 $100.00
Clothes
Entertainment $50.00 $50.00
Handphone $120.00 $120.00
Life & H&S Insurance
Personal Taxes
Interest Expense
Others
Personal Sub-Total: $270.00 $270.00

Name of Child 1 (Age)

School Fees $250.00 $250.00
School Bus
Insurance
Enrichment Education
Name of Child 1 Sub-Total: $250.00 $250.00

Name of Child 2 (Age)

School Fees
School Bus
Insurance
Enrichment Education
Name of Child 2 Sub-Total: $0.00 $0.00

HOUSING
Mortgage (Cash Portion only)
Utilities (water, Electricity, Telecoms)
Conservancy Charges
Maid
Groceries
Property Taxes / TV License
Mortgage Insurance
Housing Sub-Total: $0.00 $0.00

TRANSPORT
Car Installment
Petrol
Maintenance
Motor Insurance
Road Tax
Season Parking
Public Transport $120.00 $120.00
Transport Sub-Total: $120.00 $120.00

Total Annual Cash Expenses: $640.00 $640.00

ANNUAL CASH SAVINGS TOTAL: $4,860.00 $4,860.00

 ANNUAL INCOME (CASH)
March April May June

$5,500.00 $5,500.00 $5,500.00 $5,500.00

$5,500.00 $5,500.00 $5,500.00 $5,500.00

$0.00 $0.00 $0.00 $0.00

$5,500.00 $5,500.00 $5,500.00 $5,500.00

ANNUAL EXPENSES (CASH)

$100.00 $100.00 $100.00 $100.00

$50.00 $50.00 $50.00 $50.00

$120.00 $120.00 $120.00 $120.00

$270.00 $270.00 $270.00 $270.00

$250.00 $250.00 $250.00 $250.00

 $250.00 $250.00 $250.00 $250.00

$0.00 $0.00 $0.00 $0.00

$0.00 $0.00 $0.00 $0.00

$120.00 $120.00 $120.00 $120.00

$120.00 $120.00 $120.00 $120.00

$640.00 $640.00 $640.00 $640.00

$4,860.00 $4,860.00 $4,860.00 $4,860.00

COME (CASH)
July August September October

$5,500.00 $5,500.00 $5,500.00 $5,500.00

$1,150.00

$6,650.00 $5,500.00 $5,500.00 $5,500.00

$0.00 $0.00 $0.00 $0.00

$6,650.00 $5,500.00 $5,500.00 $5,500.00

ENSES (CASH)
$100.00 $100.00 $100.00 $100.00

$50.00 $50.00 $50.00 $50.00

$120.00 $120.00 $120.00 $120.00

$270.00 $270.00 $270.00 $270.00

$250.00 $250.00 $250.00 $250.00

 $250.00 $250.00 $250.00 $250.00

$0.00 $0.00 $0.00 $0.00

$0.00 $0.00 $0.00 $0.00

$120.00 $120.00 $120.00 $120.00

$120.00 $120.00 $120.00 $120.00

$640.00 $640.00 $640.00 $640.00

$6,010.00 $4,860.00 $4,860.00 $4,860.00

 November December Total

$5,500.00 $5,500.00 $66,000.00

$0.00
$1,150.00
$0.00
$0.00
$5,500.00 $5,500.00 $67,150.00

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00 $0.00

$5,500.00 $5,500.00 $67,150.00

$100.00 $100.00 $1,200.00

$0.00
$50.00 $50.00 $600.00
$120.00 $120.00 $1,440.00
$0.00
$0.00
$0.00
$0.00
$270.00 $270.00 $3,240.00

$250.00 $250.00 $3,000.00

$0.00
$0.00
$0.00
 $250.00 $250.00 $3,000.00

$0.00
$0.00
$0.00
$0.00
$0.00 $0.00 $0.00

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00 $0.00

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$120.00 $120.00 $1,440.00
$120.00 $120.00 $1,440.00

$640.00 $640.00 $7,680.00

$4,860.00 $4,860.00 $59,470.00

 ANNUAL INCOME (CASH)
Husband
ACTIVE INCOME
Net Salary (After deducting CPF)
Commissions
Bonuses
Directors Fees
Freelance / Consulting fees
Active Income Sub-Total: $0.00

PASSIVE INCOME
Dividends
Royalties
Interest Income
Private Business Profits
Net Rental Income
Passive Income Sub-Total: $0.00

Total Annual Income: $0.00

ANNUAL EXPENSES (CASH)

PERSONAL
Dining Out
Clothes
Entertainment
Handphone
Life & H&S Insurance
Personal Taxes
Interest Expense
Others
Personal Sub-Total: $0.00

Name of Child 1 (Age)

School Fees
School Bus
Insurance
Enrichment Education
Name of Child 1 Sub-Total: $0.00

Name of Child 2 (Age)

School Fees
School Bus
Insurance
Enrichment Education
Name of Child 2 Sub-Total: $0.00

HOUSING
Mortgage (Cash Portion only)
Utilities (water, Electricity, Telecoms)
Conservancy Charges
Maid
Groceries
Property Taxes / TV License
Mortgage Insurance
Housing Sub-Total: $0.00

TRANSPORT
Car Installment
Petrol
Maintenance
Motor Insurance
Road Tax
Season Parking
Public Transport
Transport Sub-Total: $0.00

Total Annual Cash Expenses: $0.00

ANNUAL CASH SAVINGS TOTAL: $0.00

NCOME (CASH)
Wife Jointly-Held Total

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00 $0.00

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00 $0.00

$0.00 $0.00 $0.00

PENSES (CASH)
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00 $0.00

$0.00
$0.00
$0.00
$0.00
 $0.00 $0.00 $0.00

$0.00
$0.00
$0.00
$0.00
$0.00 $0.00 $0.00

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00 $0.00

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00 $0.00

$0.00 $0.00 $0.00

$0.00 $0.00 $0.00

 ASSETS
Cash Assets
Savings Account 1
Savings Account 2
Accounts receivable
Fixed Deposit Account 1
Fixed Deposit Account 2
Cash Assets Sub-Total:
% of Cash Assets as a Total of All Assets:

Equity Assets
Singapore Stocks
US Stocks
Equity Assets Sub-Total:
% of Equity Assets as a Total of All Assets:

CPF Assets
Ordinary Account
Special Account
Medisave Account
Investment Account - Ordinary Account
Investment Account - Special Account
CPF Assets Sub-Total:
% of CPF Assets as a Total of All Assets:

Property Assets (www.ura.gov.sg or www.hdb.gov.sg)

Market Value of Property 1
Market Value of Property 2
Market Value of Property 3
Property Assets Sub-Total:
% of Property Assets as a Total of All Assets:

Other Assets
Insurance Policy 1
Insurance Policy 2
Insurance Policy 3
Insurance Policy 4
Car
Artwork
Jewellery
Country Club
Business
Other Assets Sub-Total:
% of Other Assets as a Total of All Assets:

Total Assets:

LIABILITIE
Short Term Liabilities
Overdraft Account
Credit Card Balance
Short Term Liabilities Sub-Total:
% of Short Term Liabilities as a Total of Total Liabilities:

Long Term Liabilities

Car Loan
Home Mortgage Loan 1
Home Mortgage Loan 2
Short Term Liabilities Sub-Total:
% of Short Term Liabilities as a Total of Total Liabilities:

Total Liabilities:

NET WORTH
ASSETS
Personal Wife Jointly-Held

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00 $0.00
#DIV/0! #DIV/0! #DIV/0!

$0.00
$0.00
$0.00 $0.00 $0.00
#DIV/0! #DIV/0! #DIV/0!

$0.00 $0.00 $0.00

#DIV/0! #DIV/0! #DIV/0!

$0.00

$0.00 $0.00 $0.00

#DIV/0! #DIV/0! #DIV/0!

$0.00
$0.00
 $0.00 $0.00 $0.00
#DIV/0! #DIV/0! #DIV/0!

$0.00 $0.00 $0.00

LIABILITIES
Personal Wife Jointly-Held

$300,000.00
$3,000,000.00
$3,300,000.00 $0.00 $0.00
$0.35 #DIV/0! #DIV/0!

$3,000,000.00
$3,000,000.00

$6,000,000.00 $0.00 $0.00

$0.65 #DIV/0! #DIV/0!

$9,300,000.00 $0.00 $0.00

-$9,300,000.00 $0.00 $0.00

 Total

$0.00
#DIV/0!

$0.00
#DIV/0!

$0.00
#DIV/0!

$0.00
#DIV/0!
 $0.00
$0.00
#DIV/0!

$0.00

Total

$0.00
#DIV/0!

$0.00
#DIV/0!

$0.00

$0.00
 CURRENT AGE:

CURRENT MARKET VALUE (STOCKS):

CURRENT MARKET VALUE (ETF):
CURRENT MARKET VALUE (REITS):
CURRENT MARKET VALUE (CPF):

End
Year 2010 2011 2012
Age 38 39 40

STOCKS
INVESTMENT $ 120,000 $ 120,000
$ 200,000 $ 220,000 $ 374,000
$ 200,000 $ 340,000 $ 494,000
DIVIDENDS (assuming no dividends for new investment) $ 8,800 $ 14,960

EXCHANGE TRADED FUNDS (ETF)

INVESTMENT $ 10,000 $ 10,000
$ 50,000 $ 55,000 $ 71,500
$ 50,000 $ 65,000 $ 81,500
DIVIDENDS $ 2,200 $ 2,860

REAL ESTATE INVESTMENT TRUSTS (REITS)

INVESTMENT $ 10,000 $ 10,000
$ 50,000 $ 55,000 $ 71,500
$ 50,000 $ 65,000 $ 81,500
DIVIDENDS $ 2,750 $ 3,575

CPF INVESTMENT ACCOUNT (CPF)

INVESTMENT $ 10,000 $ 10,000
$ 50,000 $ 55,000 $ 71,500
$ 50,000 $ 65,000 $ 81,500
DIVIDENDS $ 2,200 $ 2,860

YEARLY DIVIDENDS $ - $ 15,950 $ 24,255

MARKET VALUE OF EQUITY $ 350,000 $ 535,000 $ 738,500

 ASSUMPTIONS (Fill in COLOURED BOXES)
38 CURRENT YEAR: 2010

$ 50,000.00 PROJECTED RATE OF RETURN (STOCKS): 10% PROJECTED DIVIDEND

$ 50,000.00 PROJECTED RATE OF RETURN (ETF): 10% PROJECTED DIVID
$ 50,000.00 PROJECTED RATE OF RETURN (REITS): 10% PROJECTED DIVIDEN
$ 50,000.00 PROJECTED RATE OF RETURN (CPF): 10% PROJECTED DIVIDE

2013 2014 2015 2016 2017 2018 2019

41 42 43 44 45 46 47

$ 120,000 $ 120,000 $ 120,000 $ 120,000 $ 120,000 $ 120,000 $ 120,000

$ 543,400 $ 729,740 $ 934,714 $ 1,160,185 $ 1,408,204 $ 1,681,024 $ 1,981,127
$ 663,400 $ 849,740 $ 1,054,714 $ 1,280,185 $ 1,528,204 $ 1,801,024 $ 2,101,127
$ 21,736 $ 29,190 $ 37,389 $ 46,407 $ 56,328 $ 67,241 $ 79,245

$ 10,000 $ 10,000 $ 10,000 $ 10,000 $ 10,000 $ 10,000 $ 10,000

$ 89,650 $ 109,615 $ 131,577 $ 155,734 $ 182,308 $ 211,538 $ 243,692
$ 99,650 $ 119,615 $ 141,577 $ 165,734 $ 192,308 $ 221,538 $ 253,692
$ 3,586 $ 4,385 $ 5,263 $ 6,229 $ 7,292 $ 8,462 $ 9,748

$ 10,000 $ 10,000 $ 10,000 $ 10,000 $ 10,000 $ 10,000 $ 10,000

$ 89,650 $ 109,615 $ 131,577 $ 155,734 $ 182,308 $ 211,538 $ 243,692
$ 99,650 $ 119,615 $ 141,577 $ 165,734 $ 192,308 $ 221,538 $ 253,692
$ 4,483 $ 5,481 $ 6,579 $ 7,787 $ 9,115 $ 10,577 $ 12,185

$ 10,000 $ 10,000 $ 10,000 $ 10,000 $ 10,000 $ 10,000 $ 10,000

$ 89,650 $ 109,615 $ 131,577 $ 155,734 $ 182,308 $ 211,538 $ 243,692
$ 99,650 $ 119,615 $ 141,577 $ 165,734 $ 192,308 $ 221,538 $ 253,692
$ 3,586 $ 4,385 $ 5,263 $ 6,229 $ 7,292 $ 8,462 $ 9,748

$ 33,391 $ 43,440 $ 54,494 $ 66,653 $ 80,028 $ 94,741 $ 110,925

$ 962,350 $ 1,208,585 $ 1,479,444 $ 1,777,388 $ 2,105,127 $ 2,465,639 $ 2,862,203

ROJECTED DIVIDEND YIELD (STOCKS): 4%
PROJECTED DIVIDEND YIELD (ETF): 4%
PROJECTED DIVIDEND YIELD (REITS): 5%
PROJECTED DIVIDEND YIELD (CPF): 4%

2020 2021 2022 2023 2024 2025

48 49 50 51 52 53

$ 120,000 $ 20,000 $ 20,000 $ 20,000 $ 20,000 $ 20,000

$ 2,311,239 $ 2,674,363 $ 2,963,800 $ 3,282,180 $ 3,632,398 $ 4,017,637
$ 2,431,239 $ 2,694,363 $ 2,983,800 $ 3,302,180 $ 3,652,398 $ 4,037,637
$ 92,450 $ 106,975 $ 118,552 $ 131,287 $ 145,296 $ 160,705

$ 10,000 $ 10,000 $ 10,000 $ 10,000 $ 10,000 $ 10,000

$ 279,061 $ 317,968 $ 360,764 $ 407,841 $ 459,625 $ 516,587
$ 289,061 $ 327,968 $ 370,764 $ 417,841 $ 469,625 $ 526,587
$ 11,162 $ 12,719 $ 14,431 $ 16,314 $ 18,385 $ 20,663

$ 10,000 $ 10,000 $ 10,000 $ 10,000 $ 10,000 $ 10,000

$ 279,061 $ 317,968 $ 360,764 $ 407,841 $ 459,625 $ 516,587
$ 289,061 $ 327,968 $ 370,764 $ 417,841 $ 469,625 $ 526,587
$ 13,953 $ 15,898 $ 18,038 $ 20,392 $ 22,981 $ 25,829

$ 10,000 $ 10,000 $ 10,000 $ 10,000 $ 10,000 $ 10,000

$ 279,061 $ 317,968 $ 360,764 $ 407,841 $ 459,625 $ 516,587
$ 289,061 $ 327,968 $ 370,764 $ 417,841 $ 469,625 $ 526,587
$ 11,162 $ 12,719 $ 14,431 $ 16,314 $ 18,385 $ 20,663

$ 128,728 $ 148,310 $ 165,451 $ 184,306 $ 205,047 $ 227,862

$ 3,298,424 $ 3,678,266 $ 4,096,092 $ 4,555,702 $ 5,061,272 $ 5,617,399

 SINGAPORE INVEST

Bought
CASH STOCKS Qty Buy Price
Date
ABC Stock 6,000.00 $ 1.10
DEF StocK 5,000.00 $ 1.08
DEF StocK - Dividends
GHI Stock 10,000.00 $ 1.51

Total:

Bought
CPF Ordinary Account Investments Qty Buy Price
Date
ABC Stock 1,000.00 $ 1.90
ABC Stock - Dividends
JKL Stock 10,000.00 $ 2.70
JKL Stock

Total:

US INVESTMEN

Bought
US STOCKS Qty Buy Price
Date
AAA Stock 100.00 USD 51.00
BBB Stock 100.00 USD 45.00
CCC Stock 100.00 USD 41.00
INGAPORE INVESTMENTS (Key in Non-Bold Columns)

Current
Expenses Total Investment Current Value
Price
$ 30.06 $ 6,630.06 $ 1.19 $ 7,140.00
$ 29.52 $ 5,429.52 $ 1.19 $ 5,950.00

$ 13.66 $ 15,113.66 $ 1.81 $ 18,100.00

$ 73.24 $ 27,173.24 $ 31,190.00

Current
Expenses Total Investment Current Value
Price
$ 34.08 $ 1,934.08 $ 2.00 $ 2,000.00

$ 62.00 $ 27,062.00 $ 3.30 $ 33,000.00

$ 96.08 $ 28,996.08 $ 35,000.00

US INVESTMENTS (Key in Non-Bold Columns)

Current
Expenses Total Investment Current Value
Price
USD 1.00 USD 5,101.00 USD 63.00 USD 6,300.00
USD 1.00 USD 4,501.00 USD 48.00 USD 4,800.00
USD 1.00 USD 4,101.00 USD 46.00 USD 4,600.00

USD 3.00 USD 13,703.00 USD 15,700.00

 Total
Total Return
Return ($) Return
($)
(%)
$ 509.94
$ 520.48 $ 1,236.92 10.26%
$ 206.50
$ 2,986.34
$ 3,116.34 20.62%
$ 130.00

$ 4,353.26 $ 4,353.26 13.96%

Total
Total Return
Return ($) Return
($)
(%)
$ 65.92
$ 225.92 11.68%
$ 160.00
$ 5,938.00
$ 6,068.00 22.42%
$ 130.00

$ 6,293.92 $ 6,293.92 21.71%

Total
Total Return
Return ($) Return
($)
(%)
USD 1,199.00 23.51%
USD 299.00 6.64%
USD 499.00 12.17%

USD 1,997.00 14.57%

 Car Loan : $ 100,000.00
Interest Rate : 2.20%
No. of Years: 10
Total Interest to Pay: $ 22,000.00
Installment : $ 1,016.67

Total Loan to Pay: $ 122,000.00

Interest per Year $ 2,200.00

Installments per Year $ 12,200.00

Loan end of Year 1 $ 109,800.00

Loan end of Year 2 $ 97,600.00
Loan end of Year 3 $ 85,400.00
Loan end of Year 4 $ 73,200.00
Loan end of Year 5 $ 61,000.00
Loan end of Year 6 $ 48,800.00
Loan end of Year 7 $ 36,600.00
Loan end of Year 8 $ 24,400.00
Loan end of Year 9 $ 12,200.00
Loan end of Year 10 $ -
 HOME LOAN PLAN

Key in the YELLOW fields

Stamp Duty
Purchase Price: $1,000,000.00 HDB Property: 1st $180,000 - $1 per $100, Next $180,000 $2 per $100, Thereafter $3 per
Private Property: 3% of Purchase Price minus $5,400

Downpayment: $100,000.00
Stamp Duty
HDB Property: 1st $180,000 - $1 per $100, Next $180,000 $2 per $100, Thereafter $3 per
Bank Loan: $900,000.00 Private Property: 3% of Purchase Price minus $5,400

Loan Tenure (years): 30

Max Loan (subject to credit assessment): up to 90% of Purchase Price
NB: For Private Loan, banks prefer Repayment Abilty Ratio below 40%
Note: Information is valid as at 1 January 2010
Max. Repayment Period : 65 minus age of youngest applicant or 30
years, whichever is shorter

Interest Outstanding Monthly Interest Principal Payment Remaining

Year Month
Rates Principal Instalment Monthly Cummulative Monthly Cummulative Tenure (mths)

1 Jan 1.29% 900,000.00 3,014.93 965.25 965.25 2,049.68 2,049.68 360.00

Feb 1.29% 897,950.32 3,014.93 963.05 1,928.30 2,051.88 4,101.56 359.00
Mar 1.29% 895,898.44 3,014.93 960.85 2,889.15 2,054.08 6,155.63 358.00
Apr 1.29% 893,844.37 3,014.93 958.65 3,847.80 2,056.28 8,211.91 357.00
May 1.29% 891,788.09 3,014.93 956.44 4,804.24 2,058.49 10,270.40 356.00
Jun 1.29% 889,729.60 3,014.93 954.23 5,758.48 2,060.69 12,331.09 355.00
Jul 1.29% 887,668.91 3,014.93 952.02 6,710.50 2,062.90 14,394.00 354.00
Aug 1.29% 885,606.00 3,014.93 949.81 7,660.32 2,065.12 16,459.12 353.00
Sep 1.29% 883,540.88 3,014.93 947.60 8,607.91 2,067.33 18,526.45 352.00
Oct 1.29% 881,473.55 3,014.93 945.38 9,553.29 2,069.55 20,596.00 351.00
Nov 1.29% 879,404.00 3,014.93 943.16 10,496.45 2,071.77 22,667.76 350.00
Dec 1.29% 877,332.24 3,014.93 940.94 11,437.39 2,073.99 24,741.75 349.00
2 Jan 1.60% 875,258.25 3,145.23 1,167.01 12,604.40 1,978.21 26,719.97 348.00
Feb 1.60% 873,280.03 3,145.23 1,164.37 13,768.78 1,980.85 28,700.82 347.00
 Mar 1.60% 871,299.18 3,145.23 1,161.73 14,930.51 1,983.49 30,684.31 346.00
Apr 1.60% 869,315.69 3,145.23 1,159.09 16,089.60 1,986.14 32,670.45 345.00
May 1.60% 867,329.55 3,145.23 1,156.44 17,246.04 1,988.79 34,659.24 344.00
Jun 1.60% 865,340.76 3,145.23 1,153.79 18,399.82 1,991.44 36,650.67 343.00
Jul 1.60% 863,349.33 3,145.23 1,151.13 19,550.96 1,994.09 38,644.77 342.00
Aug 1.60% 861,355.23 3,145.23 1,148.47 20,699.43 1,996.75 40,641.52 341.00
Sep 1.60% 859,358.48 3,145.23 1,145.81 21,845.24 1,999.41 42,640.93 340.00
Oct 1.60% 857,359.07 3,145.23 1,143.15 22,988.39 2,002.08 44,643.01 339.00
Nov 1.60% 855,356.99 3,145.23 1,140.48 24,128.86 2,004.75 46,647.76 338.00
Dec 1.60% 853,352.24 3,145.23 1,137.80 25,266.67 2,007.42 48,655.18 337.00
3 Jan 2.00% 851,344.82 3,311.15 1,418.91 26,685.57 1,892.24 50,547.42 336.00
Feb 2.00% 849,452.58 3,311.15 1,415.75 28,101.33 1,895.39 52,442.82 335.00
Mar 2.00% 847,557.18 3,311.15 1,412.60 29,513.92 1,898.55 54,341.37 334.00
Apr 2.00% 845,658.63 3,311.15 1,409.43 30,923.36 1,901.72 56,243.08 333.00
May 2.00% 843,756.92 3,311.15 1,406.26 32,329.62 1,904.89 58,147.97 332.00
Jun 2.00% 841,852.03 3,311.15 1,403.09 33,732.70 1,908.06 60,056.03 331.00
Jul 2.00% 839,943.97 3,311.15 1,399.91 35,132.61 1,911.24 61,967.27 330.00
Aug 2.00% 838,032.73 3,311.15 1,396.72 36,529.33 1,914.43 63,881.70 329.00
Sep 2.00% 836,118.30 3,311.15 1,393.53 37,922.86 1,917.62 65,799.31 328.00
Oct 2.00% 834,200.69 3,311.15 1,390.33 39,313.20 1,920.81 67,720.13 327.00
Nov 2.00% 832,279.87 3,311.15 1,387.13 40,700.33 1,924.01 69,644.14 326.00
Dec 2.00% 830,355.86 3,311.15 1,383.93 42,084.26 1,927.22 71,571.36 325.00
4 Jan 2.00% 828,428.64 3,311.15 1,380.71 43,464.97 1,930.43 73,501.79 324.00
Feb 2.00% 826,498.21 3,311.15 1,377.50 44,842.47 1,933.65 75,435.44 323.00
Mar 2.00% 824,564.56 3,311.15 1,374.27 46,216.74 1,936.87 77,372.32 322.00
Apr 2.00% 822,627.68 3,311.15 1,371.05 47,587.79 1,940.10 79,312.42 321.00
May 2.00% 820,687.58 3,311.15 1,367.81 48,955.60 1,943.33 81,255.75 320.00
Jun 2.00% 818,744.25 3,311.15 1,364.57 50,320.17 1,946.57 83,202.33 319.00
Jul 2.00% 816,797.67 3,311.15 1,361.33 51,681.50 1,949.82 85,152.14 318.00
Aug 2.00% 814,847.86 3,311.15 1,358.08 53,039.58 1,953.07 87,105.21 317.00
Sep 2.00% 812,894.79 3,311.15 1,354.82 54,394.41 1,956.32 89,061.53 316.00
Oct 2.00% 810,938.47 3,311.15 1,351.56 55,745.97 1,959.58 91,021.12 315.00
Nov 2.00% 808,978.88 3,311.15 1,348.30 57,094.27 1,962.85 92,983.97 314.00
Dec 2.00% 807,016.03 3,311.15 1,345.03 58,439.30 1,966.12 94,950.09 313.00
5 Jan 2.00% 805,049.91 3,311.15 1,341.75 59,781.05 1,969.40 96,919.48 312.00
 Feb 2.00% 803,080.52 3,311.15 1,338.47 61,119.51 1,972.68 98,892.16 311.00
Mar 2.00% 801,107.84 3,311.15 1,335.18 62,454.69 1,975.97 100,868.13 310.00
Apr 2.00% 799,131.87 3,311.15 1,331.89 63,786.58 1,979.26 102,847.39 309.00
May 2.00% 797,152.61 3,311.15 1,328.59 65,115.17 1,982.56 104,829.95 308.00
Jun 2.00% 795,170.05 3,311.15 1,325.28 66,440.45 1,985.86 106,815.81 307.00
Jul 2.00% 793,184.19 3,311.15 1,321.97 67,762.43 1,989.17 108,804.99 306.00
Aug 2.00% 791,195.01 3,311.15 1,318.66 69,081.08 1,992.49 110,797.48 305.00
Sep 2.00% 789,202.52 3,311.15 1,315.34 70,396.42 1,995.81 112,793.29 304.00
Oct 2.00% 787,206.71 3,311.15 1,312.01 71,708.43 1,999.14 114,792.42 303.00
Nov 2.00% 785,207.58 3,311.15 1,308.68 73,017.11 2,002.47 116,794.89 302.00
Dec 2.00% 783,205.11 3,311.15 1,305.34 74,322.45 2,005.81 118,800.70 301.00
6 Jan 2.00% 781,199.30 3,311.15 1,302.00 75,624.45 2,009.15 120,809.84 300.00
Feb 2.00% 779,190.16 3,311.15 1,298.65 76,923.10 2,012.50 122,822.34 299.00
Mar 2.00% 777,177.66 3,311.15 1,295.30 78,218.40 2,015.85 124,838.19 298.00
Apr 2.00% 775,161.81 3,311.15 1,291.94 79,510.34 2,019.21 126,857.40 297.00
May 2.00% 773,142.60 3,311.15 1,288.57 80,798.91 2,022.58 128,879.98 296.00
Jun 2.00% 771,120.02 3,311.15 1,285.20 82,084.11 2,025.95 130,905.93 295.00
Jul 2.00% 769,094.07 3,311.15 1,281.82 83,365.93 2,029.32 132,935.25 294.00
Aug 2.00% 767,064.75 3,311.15 1,278.44 84,644.37 2,032.71 134,967.95 293.00
Sep 2.00% 765,032.05 3,311.15 1,275.05 85,919.42 2,036.09 137,004.05 292.00
Oct 2.00% 762,995.95 3,311.15 1,271.66 87,191.08 2,039.49 139,043.54 291.00
Nov 2.00% 760,956.46 3,311.15 1,268.26 88,459.34 2,042.89 141,086.42 290.00
Dec 2.00% 758,913.58 3,311.15 1,264.86 89,724.20 2,046.29 143,132.71 289.00
7 Jan 2.00% 756,867.29 3,311.15 1,261.45 90,985.65 2,049.70 145,182.42 288.00
Feb 2.00% 754,817.58 3,311.15 1,258.03 92,243.68 2,053.12 147,235.53 287.00
Mar 2.00% 752,764.47 3,311.15 1,254.61 93,498.28 2,056.54 149,292.07 286.00
Apr 2.00% 750,707.93 3,311.15 1,251.18 94,749.46 2,059.97 151,352.04 285.00
May 2.00% 748,647.96 3,311.15 1,247.75 95,997.21 2,063.40 153,415.44 284.00
Jun 2.00% 746,584.56 3,311.15 1,244.31 97,241.52 2,066.84 155,482.28 283.00
Jul 2.00% 744,517.72 3,311.15 1,240.86 98,482.38 2,070.28 157,552.56 282.00
Aug 2.00% 742,447.44 3,311.15 1,237.41 99,719.79 2,073.73 159,626.30 281.00
Sep 2.00% 740,373.70 3,311.15 1,233.96 100,953.75 2,077.19 161,703.49 280.00
Oct 2.00% 738,296.51 3,311.15 1,230.49 102,184.24 2,080.65 163,784.14 279.00
Nov 2.00% 736,215.86 3,311.15 1,227.03 103,411.27 2,084.12 165,868.26 278.00
Dec 2.00% 734,131.74 3,311.15 1,223.55 104,634.82 2,087.59 167,955.86 277.00
8 Jan 2.00% 732,044.14 3,311.15 1,220.07 105,854.90 2,091.07 170,046.93 276.00
Feb 2.00% 729,953.07 3,311.15 1,216.59 107,071.48 2,094.56 172,141.49 275.00
 Mar 2.00% 727,858.51 3,311.15 1,213.10 108,284.58 2,098.05 174,239.54 274.00
Apr 2.00% 725,760.46 3,311.15 1,209.60 109,494.18 2,101.55 176,341.09 273.00
May 2.00% 723,658.91 3,311.15 1,206.10 110,700.28 2,105.05 178,446.14 272.00
Jun 2.00% 721,553.86 3,311.15 1,202.59 111,902.87 2,108.56 180,554.69 271.00
Jul 2.00% 719,445.31 3,311.15 1,199.08 113,101.95 2,112.07 182,666.76 270.00
Aug 2.00% 717,333.24 3,311.15 1,195.56 114,297.50 2,115.59 184,782.36 269.00
Sep 2.00% 715,217.64 3,311.15 1,192.03 115,489.53 2,119.12 186,901.47 268.00
Oct 2.00% 713,098.53 3,311.15 1,188.50 116,678.03 2,122.65 189,024.12 267.00
Nov 2.00% 710,975.88 3,311.15 1,184.96 117,862.99 2,126.19 191,150.31 266.00
Dec 2.00% 708,849.69 3,311.15 1,181.42 119,044.40 2,129.73 193,280.04 265.00
9 Jan 2.00% 706,719.96 3,311.15 1,177.87 120,222.27 2,133.28 195,413.32 264.00
Feb 2.00% 704,586.68 3,311.15 1,174.31 121,396.58 2,136.84 197,550.16 263.00
Mar 2.00% 702,449.84 3,311.15 1,170.75 122,567.33 2,140.40 199,690.56 262.00
Apr 2.00% 700,309.44 3,311.15 1,167.18 123,734.51 2,143.96 201,834.52 261.00
May 2.00% 698,165.48 3,311.15 1,163.61 124,898.12 2,147.54 203,982.06 260.00
Jun 2.00% 696,017.94 3,311.15 1,160.03 126,058.15 2,151.12 206,133.18 259.00
Jul 2.00% 693,866.82 3,311.15 1,156.44 127,214.60 2,154.70 208,287.88 258.00
Aug 2.00% 691,712.12 3,311.15 1,152.85 128,367.45 2,158.29 210,446.17 257.00
Sep 2.00% 689,553.83 3,311.15 1,149.26 129,516.71 2,161.89 212,608.06 256.00
Oct 2.00% 687,391.94 3,311.15 1,145.65 130,662.36 2,165.49 214,773.56 255.00
Nov 2.00% 685,226.44 3,311.15 1,142.04 131,804.40 2,169.10 216,942.66 254.00
Dec 2.00% 683,057.34 3,311.15 1,138.43 132,942.83 2,172.72 219,115.38 253.00
10 Jan 2.00% 680,884.62 3,311.15 1,134.81 134,077.64 2,176.34 221,291.72 252.00
Feb 2.00% 678,708.28 3,311.15 1,131.18 135,208.82 2,179.97 223,471.68 251.00
Mar 2.00% 676,528.32 3,311.15 1,127.55 136,336.37 2,183.60 225,655.28 250.00
Apr 2.00% 674,344.72 3,311.15 1,123.91 137,460.28 2,187.24 227,842.52 249.00
May 2.00% 672,157.48 3,311.15 1,120.26 138,580.54 2,190.88 230,033.41 248.00
Jun 2.00% 669,966.59 3,311.15 1,116.61 139,697.15 2,194.54 232,227.94 247.00
Jul 2.00% 667,772.06 3,311.15 1,112.95 140,810.10 2,198.19 234,426.14 246.00
Aug 2.00% 665,573.86 3,311.15 1,109.29 141,919.39 2,201.86 236,628.00 245.00
Sep 2.00% 663,372.00 3,311.15 1,105.62 143,025.01 2,205.53 238,833.52 244.00
Oct 2.00% 661,166.48 3,311.15 1,101.94 144,126.96 2,209.20 241,042.73 243.00
Nov 2.00% 658,957.27 3,311.15 1,098.26 145,225.22 2,212.89 243,255.61 242.00
Dec 2.00% 656,744.39 3,311.15 1,094.57 146,319.79 2,216.57 245,472.18 241.00
11 Jan 2.00% 654,527.82 3,311.15 1,090.88 147,410.67 2,220.27 247,692.45 240.00
Feb 2.00% 652,307.55 3,311.15 1,087.18 148,497.85 2,223.97 249,916.42 239.00
Mar 2.00% 650,083.58 3,311.15 1,083.47 149,581.33 2,227.67 252,144.09 238.00
 Apr 2.00% 647,855.91 3,311.15 1,079.76 150,661.09 2,231.39 254,375.48 237.00
May 2.00% 645,624.52 3,311.15 1,076.04 151,737.13 2,235.11 256,610.59 236.00
Jun 2.00% 643,389.41 3,311.15 1,072.32 152,809.44 2,238.83 258,849.42 235.00
Jul 2.00% 641,150.58 3,311.15 1,068.58 153,878.03 2,242.56 261,091.98 234.00
Aug 2.00% 638,908.02 3,311.15 1,064.85 154,942.87 2,246.30 263,338.28 233.00
Sep 2.00% 636,661.72 3,311.15 1,061.10 156,003.98 2,250.04 265,588.33 232.00
Oct 2.00% 634,411.67 3,311.15 1,057.35 157,061.33 2,253.79 267,842.12 231.00
Nov 2.00% 632,157.88 3,311.15 1,053.60 158,114.93 2,257.55 270,099.67 230.00
Dec 2.00% 629,900.33 3,311.15 1,049.83 159,164.76 2,261.31 272,360.98 229.00
12 Jan 2.00% 627,639.02 3,311.15 1,046.07 160,210.82 2,265.08 274,626.07 228.00
Feb 2.00% 625,373.93 3,311.15 1,042.29 161,253.11 2,268.86 276,894.92 227.00
Mar 2.00% 623,105.08 3,311.15 1,038.51 162,291.62 2,272.64 279,167.56 226.00
Apr 2.00% 620,832.44 3,311.15 1,034.72 163,326.34 2,276.43 281,443.99 225.00
May 2.00% 618,556.01 3,311.15 1,030.93 164,357.27 2,280.22 283,724.21 224.00
Jun 2.00% 616,275.79 3,311.15 1,027.13 165,384.40 2,284.02 286,008.23 223.00
Jul 2.00% 613,991.77 3,311.15 1,023.32 166,407.72 2,287.83 288,296.06 222.00
Aug 2.00% 611,703.94 3,311.15 1,019.51 167,427.22 2,291.64 290,587.70 221.00
Sep 2.00% 609,412.30 3,311.15 1,015.69 168,442.91 2,295.46 292,883.16 220.00
Oct 2.00% 607,116.84 3,311.15 1,011.86 169,454.77 2,299.29 295,182.44 219.00
Nov 2.00% 604,817.56 3,311.15 1,008.03 170,462.80 2,303.12 297,485.56 218.00
Dec 2.00% 602,514.44 3,311.15 1,004.19 171,466.99 2,306.96 299,792.52 217.00
13 Jan 2.00% 600,207.48 3,311.15 1,000.35 172,467.34 2,310.80 302,103.32 216.00
Feb 2.00% 597,896.68 3,311.15 996.49 173,463.83 2,314.65 304,417.97 215.00
Mar 2.00% 595,582.03 3,311.15 992.64 174,456.47 2,318.51 306,736.48 214.00
Apr 2.00% 593,263.52 3,311.15 988.77 175,445.24 2,322.37 309,058.86 213.00
May 2.00% 590,941.14 3,311.15 984.90 176,430.14 2,326.25 311,385.10 212.00
Jun 2.00% 588,614.90 3,311.15 981.02 177,411.17 2,330.12 313,715.22 211.00
Jul 2.00% 586,284.78 3,311.15 977.14 178,388.31 2,334.01 316,049.23 210.00
Aug 2.00% 583,950.77 3,311.15 973.25 179,361.56 2,337.90 318,387.13 209.00
Sep 2.00% 581,612.87 3,311.15 969.35 180,330.91 2,341.79 320,728.92 208.00
Oct 2.00% 579,271.08 3,311.15 965.45 181,296.37 2,345.70 323,074.61 207.00
Nov 2.00% 576,925.39 3,311.15 961.54 182,257.91 2,349.60 325,424.22 206.00
Dec 2.00% 574,575.78 3,311.15 957.63 183,215.53 2,353.52 327,777.74 205.00
14 Jan 2.00% 572,222.26 3,311.15 953.70 184,169.24 2,357.44 330,135.18 204.00
Feb 2.00% 569,864.82 3,311.15 949.77 185,119.01 2,361.37 332,496.56 203.00
Mar 2.00% 567,503.44 3,311.15 945.84 186,064.85 2,365.31 334,861.86 202.00
Apr 2.00% 565,138.14 3,311.15 941.90 187,006.75 2,369.25 337,231.11 201.00
 May 2.00% 562,768.89 3,311.15 937.95 187,944.70 2,373.20 339,604.31 200.00
Jun 2.00% 560,395.69 3,311.15 933.99 188,878.69 2,377.15 341,981.47 199.00
Jul 2.00% 558,018.53 3,311.15 930.03 189,808.72 2,381.12 344,362.58 198.00
Aug 2.00% 555,637.42 3,311.15 926.06 190,734.78 2,385.08 346,747.67 197.00
Sep 2.00% 553,252.33 3,311.15 922.09 191,656.87 2,389.06 349,136.73 196.00
Oct 2.00% 550,863.27 3,311.15 918.11 192,574.98 2,393.04 351,529.77 195.00
Nov 2.00% 548,470.23 3,311.15 914.12 193,489.09 2,397.03 353,926.80 194.00
Dec 2.00% 546,073.20 3,311.15 910.12 194,399.22 2,401.03 356,327.83 193.00
15 Jan 2.00% 543,672.17 3,311.15 906.12 195,305.34 2,405.03 358,732.85 192.00
Feb 2.00% 541,267.15 3,311.15 902.11 196,207.45 2,409.04 361,141.89 191.00
Mar 2.00% 538,858.11 3,311.15 898.10 197,105.54 2,413.05 363,554.94 190.00
Apr 2.00% 536,445.06 3,311.15 894.08 197,999.62 2,417.07 365,972.01 189.00
May 2.00% 534,027.99 3,311.15 890.05 198,889.67 2,421.10 368,393.11 188.00
Jun 2.00% 531,606.89 3,311.15 886.01 199,775.68 2,425.14 370,818.25 187.00
Jul 2.00% 529,181.75 3,311.15 881.97 200,657.65 2,429.18 373,247.42 186.00
Aug 2.00% 526,752.58 3,311.15 877.92 201,535.57 2,433.23 375,680.65 185.00
Sep 2.00% 524,319.35 3,311.15 873.87 202,409.43 2,437.28 378,117.93 184.00
Oct 2.00% 521,882.07 3,311.15 869.80 203,279.24 2,441.34 380,559.27 183.00
Nov 2.00% 519,440.73 3,311.15 865.73 204,144.97 2,445.41 383,004.69 182.00
Dec 2.00% 516,995.31 3,311.15 861.66 205,006.63 2,449.49 385,454.18 181.00
16 Jan 2.00% 514,545.82 3,311.15 857.58 205,864.21 2,453.57 387,907.75 180.00
Feb 2.00% 512,092.25 3,311.15 853.49 206,717.69 2,457.66 390,365.41 179.00
Mar 2.00% 509,634.59 3,311.15 849.39 207,567.08 2,461.76 392,827.16 178.00
Apr 2.00% 507,172.84 3,311.15 845.29 208,412.37 2,465.86 395,293.02 177.00
May 2.00% 504,706.98 3,311.15 841.18 209,253.55 2,469.97 397,762.99 176.00
Jun 2.00% 502,237.01 3,311.15 837.06 210,090.61 2,474.09 400,237.08 175.00
Jul 2.00% 499,762.92 3,311.15 832.94 210,923.55 2,478.21 402,715.29 174.00
Aug 2.00% 497,284.71 3,311.15 828.81 211,752.36 2,482.34 405,197.62 173.00
Sep 2.00% 494,802.38 3,311.15 824.67 212,577.03 2,486.48 407,684.10 172.00
Oct 2.00% 492,315.90 3,311.15 820.53 213,397.56 2,490.62 410,174.72 171.00
Nov 2.00% 489,825.28 3,311.15 816.38 214,213.93 2,494.77 412,669.49 170.00
Dec 2.00% 487,330.51 3,311.15 812.22 215,026.15 2,498.93 415,168.42 169.00
17 Jan 2.00% 484,831.58 3,311.15 808.05 215,834.20 2,503.09 417,671.52 168.00
Feb 2.00% 482,328.48 3,311.15 803.88 216,638.08 2,507.27 420,178.78 167.00
Mar 2.00% 479,821.22 3,311.15 799.70 217,437.78 2,511.45 422,690.23 166.00
Apr 2.00% 477,309.77 3,311.15 795.52 218,233.30 2,515.63 425,205.86 165.00
May 2.00% 474,794.14 3,311.15 791.32 219,024.62 2,519.82 427,725.68 164.00
 Jun 2.00% 472,274.32 3,311.15 787.12 219,811.75 2,524.02 430,249.71 163.00
Jul 2.00% 469,750.29 3,311.15 782.92 220,594.67 2,528.23 432,777.94 162.00
Aug 2.00% 467,222.06 3,311.15 778.70 221,373.37 2,532.44 435,310.38 161.00
Sep 2.00% 464,689.62 3,311.15 774.48 222,147.85 2,536.66 437,847.04 160.00
Oct 2.00% 462,152.96 3,311.15 770.25 222,918.11 2,540.89 440,387.94 159.00
Nov 2.00% 459,612.06 3,311.15 766.02 223,684.13 2,545.13 442,933.06 158.00
Dec 2.00% 457,066.94 3,311.15 761.78 224,445.90 2,549.37 445,482.43 157.00
18 Jan 2.00% 454,517.57 3,311.15 757.53 225,203.43 2,553.62 448,036.05 156.00
Feb 2.00% 451,963.95 3,311.15 753.27 225,956.71 2,557.87 450,593.92 155.00
Mar 2.00% 449,406.08 3,311.15 749.01 226,705.72 2,562.14 453,156.06 154.00
Apr 2.00% 446,843.94 3,311.15 744.74 227,450.46 2,566.41 455,722.47 153.00
May 2.00% 444,277.53 3,311.15 740.46 228,190.92 2,570.68 458,293.15 152.00
Jun 2.00% 441,706.85 3,311.15 736.18 228,927.10 2,574.97 460,868.12 151.00
Jul 2.00% 439,131.88 3,311.15 731.89 229,658.98 2,579.26 463,447.38 150.00
Aug 2.00% 436,552.62 3,311.15 727.59 230,386.57 2,583.56 466,030.94 149.00
Sep 2.00% 433,969.06 3,311.15 723.28 231,109.85 2,587.87 468,618.81 148.00
Oct 2.00% 431,381.19 3,311.15 718.97 231,828.82 2,592.18 471,210.99 147.00
Nov 2.00% 428,789.01 3,311.15 714.65 232,543.47 2,596.50 473,807.49 146.00
Dec 2.00% 426,192.51 3,311.15 710.32 233,253.79 2,600.83 476,408.31 145.00
19 Jan 2.00% 423,591.69 3,311.15 705.99 233,959.78 2,605.16 479,013.47 144.00
Feb 2.00% 420,986.53 3,311.15 701.64 234,661.42 2,609.50 481,622.98 143.00
Mar 2.00% 418,377.02 3,311.15 697.30 235,358.72 2,613.85 484,236.83 142.00
Apr 2.00% 415,763.17 3,311.15 692.94 236,051.66 2,618.21 486,855.04 141.00
May 2.00% 413,144.96 3,311.15 688.57 236,740.23 2,622.57 489,477.61 140.00
Jun 2.00% 410,522.39 3,311.15 684.20 237,424.43 2,626.94 492,104.55 139.00
Jul 2.00% 407,895.45 3,311.15 679.83 238,104.26 2,631.32 494,735.87 138.00
Aug 2.00% 405,264.13 3,311.15 675.44 238,779.70 2,635.71 497,371.58 137.00
Sep 2.00% 402,628.42 3,311.15 671.05 239,450.75 2,640.10 500,011.68 136.00
Oct 2.00% 399,988.32 3,311.15 666.65 240,117.40 2,644.50 502,656.18 135.00
Nov 2.00% 397,343.82 3,311.15 662.24 240,779.63 2,648.91 505,305.09 134.00
Dec 2.00% 394,694.91 3,311.15 657.82 241,437.46 2,653.32 507,958.41 133.00
20 Jan 2.00% 392,041.59 3,311.15 653.40 242,090.86 2,657.74 510,616.15 132.00
Feb 2.00% 389,383.85 3,311.15 648.97 242,739.84 2,662.17 513,278.33 131.00
Mar 2.00% 386,721.67 3,311.15 644.54 243,384.37 2,666.61 515,944.94 130.00
Apr 2.00% 384,055.06 3,311.15 640.09 244,024.46 2,671.06 518,615.99 129.00
May 2.00% 381,384.01 3,311.15 635.64 244,660.10 2,675.51 521,291.50 128.00
Jun 2.00% 378,708.50 3,311.15 631.18 245,291.28 2,679.97 523,971.47 127.00
 Jul 2.00% 376,028.53 3,311.15 626.71 245,918.00 2,684.43 526,655.90 126.00
Aug 2.00% 373,344.10 3,311.15 622.24 246,540.24 2,688.91 529,344.81 125.00
Sep 2.00% 370,655.19 3,311.15 617.76 247,158.00 2,693.39 532,038.20 124.00
Oct 2.00% 367,961.80 3,311.15 613.27 247,771.27 2,697.88 534,736.07 123.00
Nov 2.00% 365,263.93 3,311.15 608.77 248,380.04 2,702.37 537,438.45 122.00
Dec 2.00% 362,561.55 3,311.15 604.27 248,984.31 2,706.88 540,145.33 121.00
21 Jan 2.00% 359,854.67 3,311.15 599.76 249,584.07 2,711.39 542,856.71 120.00
Feb 2.00% 357,143.29 3,311.15 595.24 250,179.31 2,715.91 545,572.62 119.00
Mar 2.00% 354,427.38 3,311.15 590.71 250,770.02 2,720.43 548,293.06 118.00
Apr 2.00% 351,706.94 3,311.15 586.18 251,356.20 2,724.97 551,018.03 117.00
May 2.00% 348,981.97 3,311.15 581.64 251,937.83 2,729.51 553,747.54 116.00
Jun 2.00% 346,252.46 3,311.15 577.09 252,514.92 2,734.06 556,481.60 115.00
Jul 2.00% 343,518.40 3,311.15 572.53 253,087.45 2,738.62 559,220.21 114.00
Aug 2.00% 340,779.79 3,311.15 567.97 253,655.42 2,743.18 561,963.39 113.00
Sep 2.00% 338,036.61 3,311.15 563.39 254,218.81 2,747.75 564,711.15 112.00
Oct 2.00% 335,288.85 3,311.15 558.81 254,777.63 2,752.33 567,463.48 111.00
Nov 2.00% 332,536.52 3,311.15 554.23 255,331.85 2,756.92 570,220.40 110.00
Dec 2.00% 329,779.60 3,311.15 549.63 255,881.49 2,761.51 572,981.91 109.00
22 Jan 2.00% 327,018.09 3,311.15 545.03 256,426.52 2,766.12 575,748.03 108.00
Feb 2.00% 324,251.97 3,311.15 540.42 256,966.94 2,770.73 578,518.76 107.00
Mar 2.00% 321,481.24 3,311.15 535.80 257,502.74 2,775.35 581,294.10 106.00
Apr 2.00% 318,705.90 3,311.15 531.18 258,033.92 2,779.97 584,074.07 105.00
May 2.00% 315,925.93 3,311.15 526.54 258,560.46 2,784.60 586,858.68 104.00
Jun 2.00% 313,141.32 3,311.15 521.90 259,082.36 2,789.24 589,647.92 103.00
Jul 2.00% 310,352.08 3,311.15 517.25 259,599.61 2,793.89 592,441.82 102.00
Aug 2.00% 307,558.18 3,311.15 512.60 260,112.21 2,798.55 595,240.37 101.00
Sep 2.00% 304,759.63 3,311.15 507.93 260,620.14 2,803.21 598,043.58 100.00
Oct 2.00% 301,956.42 3,311.15 503.26 261,123.40 2,807.89 600,851.47 99.00
Nov 2.00% 299,148.53 3,311.15 498.58 261,621.99 2,812.57 603,664.03 98.00
Dec 2.00% 296,335.97 3,311.15 493.89 262,115.88 2,817.25 606,481.29 97.00
23 Jan 2.00% 293,518.71 3,311.15 489.20 262,605.08 2,821.95 609,303.24 96.00
Feb 2.00% 290,696.76 3,311.15 484.49 263,089.57 2,826.65 612,129.89 95.00
Mar 2.00% 287,870.11 3,311.15 479.78 263,569.36 2,831.36 614,961.25 94.00
Apr 2.00% 285,038.75 3,311.15 475.06 264,044.42 2,836.08 617,797.34 93.00
May 2.00% 282,202.66 3,311.15 470.34 264,514.76 2,840.81 620,638.14 92.00
Jun 2.00% 279,361.86 3,311.15 465.60 264,980.36 2,845.54 623,483.69 91.00
Jul 2.00% 276,516.31 3,311.15 460.86 265,441.22 2,850.29 626,333.98 90.00
 Aug 2.00% 273,666.02 3,311.15 456.11 265,897.33 2,855.04 629,189.01 89.00
Sep 2.00% 270,810.99 3,311.15 451.35 266,348.68 2,859.80 632,048.81 88.00
Oct 2.00% 267,951.19 3,311.15 446.59 266,795.27 2,864.56 634,913.37 87.00
Nov 2.00% 265,086.63 3,311.15 441.81 267,237.08 2,869.34 637,782.71 86.00
Dec 2.00% 262,217.29 3,311.15 437.03 267,674.11 2,874.12 640,656.82 85.00
24 Jan 2.00% 259,343.18 3,311.15 432.24 268,106.35 2,878.91 643,535.73 84.00
Feb 2.00% 256,464.27 3,311.15 427.44 268,533.79 2,883.71 646,419.44 83.00
Mar 2.00% 253,580.56 3,311.15 422.63 268,956.42 2,888.51 649,307.95 82.00
Apr 2.00% 250,692.05 3,311.15 417.82 269,374.24 2,893.33 652,201.28 81.00
May 2.00% 247,798.72 3,311.15 413.00 269,787.24 2,898.15 655,099.43 80.00
Jun 2.00% 244,900.57 3,311.15 408.17 270,195.41 2,902.98 658,002.41 79.00
Jul 2.00% 241,997.59 3,311.15 403.33 270,598.74 2,907.82 660,910.23 78.00
Aug 2.00% 239,089.77 3,311.15 398.48 270,997.22 2,912.66 663,822.89 77.00
Sep 2.00% 236,177.11 3,311.15 393.63 271,390.85 2,917.52 666,740.41 76.00
Oct 2.00% 233,259.59 3,311.15 388.77 271,779.61 2,922.38 669,662.79 75.00
Nov 2.00% 230,337.21 3,311.15 383.90 272,163.51 2,927.25 672,590.04 74.00
Dec 2.00% 227,409.96 3,311.15 379.02 272,542.53 2,932.13 675,522.17 73.00
25 Jan 2.00% 224,477.83 3,311.15 374.13 272,916.66 2,937.02 678,459.19 72.00
Feb 2.00% 221,540.81 3,311.15 369.23 273,285.89 2,941.91 681,401.10 71.00
Mar 2.00% 218,598.90 3,311.15 364.33 273,650.22 2,946.82 684,347.92 70.00
Apr 2.00% 215,652.08 3,311.15 359.42 274,009.64 2,951.73 687,299.65 69.00
May 2.00% 212,700.35 3,311.15 354.50 274,364.14 2,956.65 690,256.29 68.00
Jun 2.00% 209,743.71 3,311.15 349.57 274,713.71 2,961.57 693,217.87 67.00
Jul 2.00% 206,782.13 3,311.15 344.64 275,058.35 2,966.51 696,184.38 66.00
Aug 2.00% 203,815.62 3,311.15 339.69 275,398.04 2,971.45 699,155.83 65.00
Sep 2.00% 200,844.17 3,311.15 334.74 275,732.78 2,976.41 702,132.24 64.00
Oct 2.00% 197,867.76 3,311.15 329.78 276,062.56 2,981.37 705,113.61 63.00
Nov 2.00% 194,886.39 3,311.15 324.81 276,387.38 2,986.34 708,099.94 62.00
Dec 2.00% 191,900.06 3,311.15 319.83 276,707.21 2,991.31 711,091.26 61.00
26 Jan 2.00% 188,908.74 3,311.15 314.85 277,022.06 2,996.30 714,087.55 60.00
Feb 2.00% 185,912.45 3,311.15 309.85 277,331.91 3,001.29 717,088.85 59.00
Mar 2.00% 182,911.15 3,311.15 304.85 277,636.76 3,006.30 720,095.14 58.00
Apr 2.00% 179,904.86 3,311.15 299.84 277,936.60 3,011.31 723,106.45 57.00
May 2.00% 176,893.55 3,311.15 294.82 278,231.43 3,016.32 726,122.77 56.00
Jun 2.00% 173,877.23 3,311.15 289.80 278,521.22 3,021.35 729,144.12 55.00
Jul 2.00% 170,855.88 3,311.15 284.76 278,805.98 3,026.39 732,170.51 54.00
Aug 2.00% 167,829.49 3,311.15 279.72 279,085.70 3,031.43 735,201.94 53.00
 Sep 2.00% 164,798.06 3,311.15 274.66 279,360.36 3,036.48 738,238.43 52.00
Oct 2.00% 161,761.57 3,311.15 269.60 279,629.96 3,041.54 741,279.97 51.00
Nov 2.00% 158,720.03 3,311.15 264.53 279,894.50 3,046.61 744,326.59 50.00
Dec 2.00% 155,673.41 3,311.15 259.46 280,153.95 3,051.69 747,378.28 49.00
27 Jan 2.00% 152,621.72 3,311.15 254.37 280,408.32 3,056.78 750,435.05 48.00
Feb 2.00% 149,564.95 3,311.15 249.27 280,657.60 3,061.87 753,496.93 47.00
Mar 2.00% 146,503.07 3,311.15 244.17 280,901.77 3,066.98 756,563.90 46.00
Apr 2.00% 143,436.10 3,311.15 239.06 281,140.83 3,072.09 759,635.99 45.00
May 2.00% 140,364.01 3,311.15 233.94 281,374.77 3,077.21 762,713.20 44.00
Jun 2.00% 137,286.80 3,311.15 228.81 281,603.58 3,082.34 765,795.53 43.00
Jul 2.00% 134,204.47 3,311.15 223.67 281,827.25 3,087.47 768,883.01 42.00
Aug 2.00% 131,116.99 3,311.15 218.53 282,045.78 3,092.62 771,975.62 41.00
Sep 2.00% 128,024.38 3,311.15 213.37 282,259.16 3,097.77 775,073.40 40.00
Oct 2.00% 124,926.60 3,311.15 208.21 282,467.37 3,102.94 778,176.33 39.00
Nov 2.00% 121,823.67 3,311.15 203.04 282,670.41 3,108.11 781,284.44 38.00
Dec 2.00% 118,715.56 3,311.15 197.86 282,868.27 3,113.29 784,397.73 37.00
28 Jan 2.00% 115,602.27 3,311.15 192.67 283,060.94 3,118.48 787,516.21 36.00
Feb 2.00% 112,483.79 3,311.15 187.47 283,248.41 3,123.67 790,639.88 35.00
Mar 2.00% 109,360.12 3,311.15 182.27 283,430.68 3,128.88 793,768.76 34.00
Apr 2.00% 106,231.24 3,311.15 177.05 283,607.73 3,134.10 796,902.86 33.00
May 2.00% 103,097.14 3,311.15 171.83 283,779.56 3,139.32 800,042.17 32.00
Jun 2.00% 99,957.83 3,311.15 166.60 283,946.15 3,144.55 803,186.72 31.00
Jul 2.00% 96,813.28 3,311.15 161.36 284,107.51 3,149.79 806,336.52 30.00
Aug 2.00% 93,663.48 3,311.15 156.11 284,263.62 3,155.04 809,491.56 29.00
Sep 2.00% 90,508.44 3,311.15 150.85 284,414.46 3,160.30 812,651.86 28.00
Oct 2.00% 87,348.14 3,311.15 145.58 284,560.04 3,165.57 815,817.42 27.00
Nov 2.00% 84,182.58 3,311.15 140.30 284,700.35 3,170.84 818,988.27 26.00
Dec 2.00% 81,011.73 3,311.15 135.02 284,835.37 3,176.13 822,164.39 25.00
29 Jan 2.00% 77,835.61 3,311.15 129.73 284,965.09 3,181.42 825,345.82 24.00
Feb 2.00% 74,654.18 3,311.15 124.42 285,089.52 3,186.72 828,532.54 23.00
Mar 2.00% 71,467.46 3,311.15 119.11 285,208.63 3,192.03 831,724.57 22.00
Apr 2.00% 68,275.43 3,311.15 113.79 285,322.42 3,197.35 834,921.93 21.00
May 2.00% 65,078.07 3,311.15 108.46 285,430.88 3,202.68 838,124.61 20.00
Jun 2.00% 61,875.39 3,311.15 103.13 285,534.01 3,208.02 841,332.63 19.00
Jul 2.00% 58,667.37 3,311.15 97.78 285,631.79 3,213.37 844,546.00 18.00
Aug 2.00% 55,454.00 3,311.15 92.42 285,724.21 3,218.72 847,764.73 17.00
Sep 2.00% 52,235.27 3,311.15 87.06 285,811.27 3,224.09 850,988.81 16.00
 Oct 2.00% 49,011.19 3,311.15 81.69 285,892.96 3,229.46 854,218.28 15.00
Nov 2.00% 45,781.72 3,311.15 76.30 285,969.26 3,234.84 857,453.12 14.00
Dec 2.00% 42,546.88 3,311.15 70.91 286,040.17 3,240.24 860,693.36 13.00
30 Jan 2.00% 39,306.64 3,311.15 65.51 286,105.68 3,245.64 863,938.99 12.00
Feb 2.00% 36,061.01 3,311.15 60.10 286,165.78 3,251.05 867,190.04 11.00
Mar 2.00% 32,809.96 3,311.15 54.68 286,220.47 3,256.46 870,446.50 10.00
Apr 2.00% 29,553.50 3,311.15 49.26 286,269.72 3,261.89 873,708.39 9.00
May 2.00% 26,291.61 3,311.15 43.82 286,313.54 3,267.33 876,975.72 8.00
Jun 2.00% 23,024.28 3,311.15 38.37 286,351.92 3,272.77 880,248.49 7.00
Jul 2.00% 19,751.51 3,311.15 32.92 286,384.83 3,278.23 883,526.72 6.00
Aug 2.00% 16,473.28 3,311.15 27.46 286,412.29 3,283.69 886,810.41 5.00
Sep 2.00% 13,189.59 3,311.15 21.98 286,434.27 3,289.16 890,099.58 4.00
Oct 2.00% 9,900.42 3,311.15 16.50 286,450.77 3,294.65 893,394.22 3.00
Nov 2.00% 6,605.78 3,311.15 11.01 286,461.78 3,300.14 896,694.36 2.00
Dec 2.00% 3,305.64 3,311.15 5.51 286,467.29 3,305.64 900,000.00 1.00
000 $2 per $100, Thereafter $3 per $100

000 $2 per $100, Thereafter $3 per $100

Purchase Price
atio below 40%
 INCOME TAX RATE CALCULATION
(valid for Year of Assessment 2009)

GROSS SALARY

TOTAL INCOME

LESS: PERSONAL RELIEFS

DONATIONS
EARNED INCOME
NSMAN-WIFE
GRANDPARENT CAREGIVER
CPF
MAID RELIEF
WORKING MOTHER CHILD RELIEF - Child 1
WORKING MOTHER CHILD RELIEF - Child 2
WORKING MOTHER CHILD RELIEF - Child 3 Max. $46,000 + $4,000 QCR

TOTAL PERSONAL RELIEFS

CHARGEABLE INCOME

FIRST #N/A
NEXT #N/A @

TAX ASSESSED

EFFECTIVE INCOME TAX RATE

ESTIMATED MONTHLY INSTALLMENT

Tax Rate for Resident Individuals (For Year Chargeable Rate

of Assessment 2008) Income ($) (%)
On the first 20,000 0
On the first 30,000
On the first 40,000
On the first 80,000
On the first 160,000
On the first 320,000
more than 20,000 3.5
more than 30,000 5.5
more than 40,000 8.5
more than 80,000 14
more than 160,000 17
Above 320,000 20
ATE CALCULATIONS
of Assessment 2009)

60,000.00

60,000.00

1,000.00
1,000.00
750.00
3,000.00
10,800.00
4,440.00
9,000.00
12,000.00
00 + $4,000 QCR 15,000.00

56,990.00

3,010.00

#N/A
#N/A #N/A #N/A

#N/A

#N/A

#N/A

Gross Tax
Payable
($)
0
350
900
4300
15500
42700
350
 550
3400
11200
27200
 INCOME TAX RATE CALCULATIONS
(valid for Year of Assessment 2009)

GROSS SALARY
GROSS BONUS
OTHER INCOME 1
OTHER INCOME 2 - DIVIDENDS

TOTAL INCOME

LESS: PERSONAL RELIEFS

DONATIONS
EARNED INCOME
NSMAN-SELF
CPF
CHILD RELIEF

TOTAL PERSONAL RELIEFS

CHARGEABLE INCOME

FIRST 40,000.00
NEXT 4,960.00 @ 8.50%

TAX ASSESSED

FINAL TAX AS

EFFECTIVE INCOME TAX RATE

ESTIMATED MONTHLY INSTALLMENT

Gross Tax
Tax Rate for Resident Individuals Chargeable Rate
Payable
(For Year of Assessment 2007) Income ($) (%)
($)
On the first 20,000 0 0
On the first 30,000 350
On the first 40,000 900
On the first 80,000 4300
On the first 160,000 15500
On the first 320,000 42700
more than 20,000 3.5 350
more than 30,000 5.5 550
more than 40,000 8.5 3400
more than 80,000 14 11200
more than 160,000 17 27200
Above 320,000 20
CULATIONS
nt 2009)

72,000.00

72,000.00

240.00
1,000.00
3,000.00
10,800.00
12,000.00

27,040.00

44,960.00

900.00
421.60 1,321.60

$ 1,321.60

FINAL TAX ASSESSED : $ 1,321.60

1.84%

$ 146.84