Financial Planning Services_Expenses Calculator

The best way to start planning your finances is to work out a monthly budget by making a list of all expenses, so that you know what you have left at the end of the month to use for savings or investments.

Your Monthly Income

Salary / bonuses / income from investments

Your Monthly Expenditure

	Savings for tax
	Mortgage / rent / maintenance
	Utilities
	Loan payments
	Insurance payments
	Credit cards / hire purchase
	Investments

	Travel / transportation
	Car petrol / maintenance
	Food / clothing
	Entertainment
	Gifts / charity
	Others

	Total Monthly Expenditure
	Your Monthly Disposable Income

Your monthly disposable income can be used in different ways to determine your lifestyle. You may choose to save or spend it all, but for most people it's a proper balance that allows them to save, invest and enjoy life, all at the same time.

Disclaimer:
Expenses Calculator has been designed to be helpful financial planning tools but are not substitutes for professional financial advice. Individual specific needs or special situations cannot be incorporated into the design of these tools. You should not rely wholly on the results generated by these tools and if you are in any doubt as to your financial situation or needs you should seek professional financial advice. The funds or other investment products named in these tools are for information only and the reference to them does not constitute a recommendation, an offer or solicitation to buy or sell investments. Past performance figures shown are not indicative of future performance. Investment involves risk, the offering documents of the funds should be read for further details.