GET STARTED

Masukan nominal saldo yang anda rencanakan pada kolom Q8

lalu rubah "Categories" dan "Planned" pada koom "Expenses"
dan "Income"
Setelah masukkan data di "Transactions", kolom ini akan
otomatis update untuk menunjukan jumlah pengeluaran kamu
pada bulan ini.

Monthly Budget
Account % Planned Actual
N (30%) 0.53 ### ###

PA (5%) 0.08 ### 0.00

G (5%) 0.08 ### ###

E (5%) 0.08 ### 0.00

START BALANCE END BALANCE FFA (50%) 0.16 ### 0.00
### 8,769,000.00
S (5%) 0.08 ### 0.00
Total ### ### ###
*Sesuaikan dengan penghasilan
Expenses
Planned ###
Actual ###

Expenses
Planned Actual Diff.
Totals ### 231,000.00 ###

N-Food ### 111,000.00 ###

N-Transportation ### 0.00 ###
N-gofood ### 0.00 ###
N-grabfood ### 0.00 ###
N-Sports 0.00 0.00 0.00
N-Utilities ### 0.00 ###
N-Other ### 0.00 ###
N-Custom 1 0.00 0.00 0.00
N-Custom 2 0.00 0.00 0.00
N-Custom 3 0.00 0.00 0.00
N-Custom 4 0.00 0.00 0.00
PA-Hangout ### 0.00 ###
G-Other ### 120,000.00 ###
E-Education ### 0.00 ###
FFA-Investment ### 0.00 ###
S-Emergency fund ### 0.00 ###
Custom category 2 0.00 0.00 0.00
Custom category 3 0.00 0.00 0.00
 NOTE

Only edit highlighted cells.

Try not to alter cells that contain a formula.

Starting balance: ###

7.77
Increase in total savings

7,769,000.00
Saved this month

Income
Planned ###
Actual ###

Income
Planned Actual Diff.
Totals ### ### ###

Savings 0.00 0.00 0.00

Paycheck ### ### ###
Bonus 0.00 0.00 0.00
Interest 0.00 0.00 0.00
Other 0.00 0.00 0.00
Educational Fund 0.00 0.00 0.00
PI-Rent Income 0.00 0.00 0.00
Sales 0.00 0.00 0.00
Endorsement 0.00 0.00 0.00
Bentuk habit ini aja dulu, personal finance dasar aja Awal bulan (Merencanakan),
Tiap hari/seminggu sekali (Mencatat pengeluaran),
Akhir bulan (Evaluasi)

Merencanakan: (persentase dari penghasilan)

N (Necessities/Kebutuhan) 50%
PA (Play Account) 10%

G (Giving) 10%
E (Education) 10%
FFA (Financial Freedom Account/investasi) 10%
S (Saving/dana darurat) 10%

Dulu alokasi saya seperti di atas, tapi seiring berjalannya waktu berubah menjadi....

Sekarang seperti ini:

N (Necessities/Kebutuhan) 30%

PA (Play Account) 5%
G (Giving) 5%
E (Education) 5%
S (Saving/dana darurat) 5%

Necessities, Play Account, Giving, Education, Investment, Saving

Tiap Hari/Minggu (Mencatat pengeluaran),

- Merekap transaksi dari Mobil banking dan E-wallet.
Akhir bulan (Evaluasi)
- Evaluasi kalau ada yg tidak sesuai rencana awal bulan. Fungsi mencatat pengeluaran tiap hari untuk meng

Tambahan:
Untuk yang penghasilan di bawah UMR Jakarta, Necessity/kebutuhan harus dipaksakan maksimal 60℅ dr

Untuk yang penghasilan tidak teratur minimal harus menyiapkan Dana Darurat sebesar 6x Pengeluaran bul
bulan (Merencanakan),

aktu berubah menjadi....

ungsi mencatat pengeluaran tiap hari untuk mengetahui post mana yang membengkak agar bisa di evaluasi.

/kebutuhan harus dipaksakan maksimal 60℅ dr penghasilan.

apkan Dana Darurat sebesar 6x Pengeluaran bulanan. Kunci perencanaan keuangan bisa berjalan lancar harus Mencata
bisa di evaluasi.

erjalan lancar harus Mencatat transaksi setiap hari Ka.

Change or add categories by updating the Expenses and Income tables in the Summary sheet.

Expenses Income
Date Amount Description Category Date
1 Nov 51,000.00 makanan N-Food 1 Nov
32 Nov 120,000.00 Bayarin Gebetan G-Other
60,000.00 Minum Kunyit asem sm GebN-Food
sheet.

Amount Description Category

8,000,000.00 Paycheck Paycheck
 Tabel Perhitungan KPR Opsi I
Nilai Rumah: a (isi) Rp600,000,000
DP (%) b (isi) 10%
(1) Pinjaman Nilai Pinjaman c = a x (1-b) Rp540,000,000

tenor (tahun) d (isi) 15

Fixed Rate (%)e (isi) 4%
Fixed Tenor (t f (isi) 3
Floating Rate (g (isi) 12%
(2) Produk KPR Floating Tenor h = d - f 12

Rate Fixed (%) e 4%

Tenor Fixed (tahf 3
(3) Angsuran Masa Fixed Cicilan KPR i = formula PMT 3,994,315

Sisa Utang di j = Formula PV Rp456,217,633

Total Angsurank = f x i x 12 b Rp143,795,333
Pokok Terbayarl = c - j Rp83,782,367
(4) Status di Akhir Masa Fixed Bayar Bunga dim = k - l Rp60,012,965

Sisa Utang j Rp456,217,633

Rate Floating g 12%
Tenor Floating h 12
(5) Angsuran Masa Floating Angsuran bulanan = formula PMT Rp5,992,050

Total Angsurano = h x n x 12 Rp862,855,159

(6) Status di Akhir Masa Pokok Terbayarj Rp456,217,633
Floating Bayar Bunga dip = o - j Rp406,637,526

Total bayar Pokoc Rp540,000,000

Total bayar Bungq = m + p Rp466,650,492
Total Biaya Rumr = c + q ###
(7) Total Expenses Rasio bunga / pos = q / c 86%

Tabel Opsi I
Tahun Bulan Angsuran BulananAngsuran BungaAngsuran Pokok
0 0
1 3,994,315 1,800,000 2,194,315
2 3,994,315 1,792,686 2,201,629
3 3,994,315 1,785,347 2,208,968
4 3,994,315 1,777,984 2,216,331
5 3,994,315 1,770,596 2,223,719
6 3,994,315 1,763,183 2,231,131
 7 3,994,315 1,755,746 2,238,568
8 3,994,315 1,748,284 2,246,030
9 3,994,315 1,740,798 2,253,517
10 3,994,315 1,733,286 2,261,029
11 3,994,315 1,725,749 2,268,566
1 12 3,994,315 1,718,187 2,276,127
13 3,994,315 1,710,600 2,283,715
14 3,994,315 1,702,988 2,291,327
15 3,994,315 1,695,350 2,298,965
16 3,994,315 1,687,687 2,306,628
17 3,994,315 1,679,998 2,314,317
18 3,994,315 1,672,284 2,322,031
19 3,994,315 1,664,544 2,329,771
20 3,994,315 1,656,778 2,337,537
21 3,994,315 1,648,986 2,345,329
22 3,994,315 1,641,168 2,353,147
23 3,994,315 1,633,324 2,360,990
2 24 3,994,315 1,625,454 2,368,860
25 3,994,315 1,617,558 2,376,757
26 3,994,315 1,609,636 2,384,679
27 3,994,315 1,601,687 2,392,628
28 3,994,315 1,593,711 2,400,604
29 3,994,315 1,585,709 2,408,606
30 3,994,315 1,577,681 2,416,634
31 3,994,315 1,569,625 2,424,690
32 3,994,315 1,561,543 2,432,772
33 3,994,315 1,553,434 2,440,881
34 3,994,315 1,545,297 2,449,017
35 3,994,315 1,537,134 2,457,181
3 36 3,994,315 1,528,943 2,465,371
37 5,992,050 4,562,176 1,429,873
38 5,992,050 4,547,878 1,444,172
39 5,992,050 4,533,436 1,458,614
40 5,992,050 4,518,850 1,473,200
41 5,992,050 4,504,118 1,487,932
42 5,992,050 4,489,238 1,502,811
43 5,992,050 4,474,210 1,517,839
44 5,992,050 4,459,032 1,533,018
45 5,992,050 4,443,702 1,548,348
46 5,992,050 4,428,218 1,563,831
47 5,992,050 4,412,580 1,579,470
4 48 5,992,050 4,396,785 1,595,264
49 5,992,050 4,380,833 1,611,217
 50 5,992,050 4,364,720 1,627,329
51 5,992,050 4,348,447 1,643,603
52 5,992,050 4,332,011 1,660,039
53 5,992,050 4,315,411 1,676,639
54 5,992,050 4,298,644 1,693,405
55 5,992,050 4,281,710 1,710,339
56 5,992,050 4,264,607 1,727,443
57 5,992,050 4,247,332 1,744,717
58 5,992,050 4,229,885 1,762,164
59 5,992,050 4,212,264 1,779,786
5 60 5,992,050 4,194,466 1,797,584
61 5,992,050 4,176,490 1,815,560
62 5,992,050 4,158,334 1,833,715
63 5,992,050 4,139,997 1,852,053
64 5,992,050 4,121,477 1,870,573
65 5,992,050 4,102,771 1,889,279
66 5,992,050 4,083,878 1,908,172
67 5,992,050 4,064,796 1,927,253
68 5,992,050 4,045,524 1,946,526
69 5,992,050 4,026,059 1,965,991
70 5,992,050 4,006,399 1,985,651
71 5,992,050 3,986,542 2,005,508
6 72 5,992,050 3,966,487 2,025,563
73 5,992,050 3,946,232 2,045,818
74 5,992,050 3,925,773 2,066,276
75 5,992,050 3,905,111 2,086,939
76 5,992,050 3,884,241 2,107,809
77 5,992,050 3,863,163 2,128,887
78 5,992,050 3,841,874 2,150,175
79 5,992,050 3,820,372 2,171,677
80 5,992,050 3,798,656 2,193,394
81 5,992,050 3,776,722 2,215,328
82 5,992,050 3,754,568 2,237,481
83 5,992,050 3,732,194 2,259,856
7 84 5,992,050 3,709,595 2,282,455
85 5,992,050 3,686,771 2,305,279
86 5,992,050 3,663,718 2,328,332
87 5,992,050 3,640,434 2,351,615
88 5,992,050 3,616,918 2,375,131
89 5,992,050 3,593,167 2,398,883
90 5,992,050 3,569,178 2,422,872
91 5,992,050 3,544,949 2,447,100
92 5,992,050 3,520,478 2,471,571

8
 93 5,992,050 3,495,763 2,496,287
94 5,992,050 3,470,800 2,521,250
95 5,992,050 3,445,587 2,546,462
8 96 5,992,050 3,420,123 2,571,927
97 5,992,050 3,394,403 2,597,646
98 5,992,050 3,368,427 2,623,623
99 5,992,050 3,342,191 2,649,859
100 5,992,050 3,315,692 2,676,358
101 5,992,050 3,288,929 2,703,121
102 5,992,050 3,261,897 2,730,152
103 5,992,050 3,234,596 2,757,454
104 5,992,050 3,207,021 2,785,028
105 5,992,050 3,179,171 2,812,879
106 5,992,050 3,151,042 2,841,007
107 5,992,050 3,122,632 2,869,418
9 108 5,992,050 3,093,938 2,898,112
109 5,992,050 3,064,957 2,927,093
110 5,992,050 3,035,686 2,956,364
111 5,992,050 3,006,122 2,985,927
112 5,992,050 2,976,263 3,015,787
113 5,992,050 2,946,105 3,045,945
114 5,992,050 2,915,646 3,076,404
115 5,992,050 2,884,882 3,107,168
116 5,992,050 2,853,810 3,138,240
117 5,992,050 2,822,428 3,169,622
118 5,992,050 2,790,731 3,201,318
119 5,992,050 2,758,718 3,233,332
10 120 5,992,050 2,726,385 3,265,665
121 5,992,050 2,693,728 3,298,321
122 5,992,050 2,660,745 3,331,305
123 5,992,050 2,627,432 3,364,618
124 5,992,050 2,593,786 3,398,264
125 5,992,050 2,559,803 3,432,247
126 5,992,050 2,525,481 3,466,569
127 5,992,050 2,490,815 3,501,235
128 5,992,050 2,455,803 3,536,247
129 5,992,050 2,420,440 3,571,610
130 5,992,050 2,384,724 3,607,326
131 5,992,050 2,348,651 3,643,399
11 132 5,992,050 2,312,217 3,679,833
133 5,992,050 2,275,419 3,716,631
134 5,992,050 2,238,252 3,753,797
135 5,992,050 2,200,714 3,791,335
 136 5,992,050 2,162,801 3,829,249
137 5,992,050 2,124,508 3,867,541
138 5,992,050 2,085,833 3,906,217
139 5,992,050 2,046,771 3,945,279
140 5,992,050 2,007,318 3,984,732
141 5,992,050 1,967,471 4,024,579
142 5,992,050 1,927,225 4,064,825
143 5,992,050 1,886,577 4,105,473
12 144 5,992,050 1,845,522 4,146,528
145 5,992,050 1,804,057 4,187,993
146 5,992,050 1,762,177 4,229,873
147 5,992,050 1,719,878 4,272,172
148 5,992,050 1,677,156 4,314,893
149 5,992,050 1,634,007 4,358,042
150 5,992,050 1,590,427 4,401,623
151 5,992,050 1,546,411 4,445,639
152 5,992,050 1,501,954 4,490,095
153 5,992,050 1,457,053 4,534,996
154 5,992,050 1,411,703 4,580,346
155 5,992,050 1,365,900 4,626,150
13 156 5,992,050 1,319,638 4,672,411
157 5,992,050 1,272,914 4,719,135
158 5,992,050 1,225,723 4,766,327
159 5,992,050 1,178,060 4,813,990
160 5,992,050 1,129,920 4,862,130
161 5,992,050 1,081,299 4,910,751
162 5,992,050 1,032,191 4,959,859
163 5,992,050 982,592 5,009,457
164 5,992,050 932,498 5,059,552
165 5,992,050 881,902 5,110,147
166 5,992,050 830,801 5,161,249
167 5,992,050 779,188 5,212,861
14 168 5,992,050 727,060 5,264,990
169 5,992,050 674,410 5,317,640
170 5,992,050 621,233 5,370,816
171 5,992,050 567,525 5,424,524
172 5,992,050 513,280 5,478,770
173 5,992,050 458,492 5,533,557
174 5,992,050 403,157 5,588,893
175 5,992,050 347,268 5,644,782
176 5,992,050 290,820 5,701,230
177 5,992,050 233,808 5,758,242
178 5,992,050 176,225 5,815,824

15
 179 5,992,050 118,067 5,873,983
15 180 5,992,050 59,327 5,932,722
181 - - -
182 - - -
183 - - -
184 - - -
185 - - -
186 - - -
187 - - -
188 - - -
189 - - -
190 - - -
191 - - -
16 192 - - -
193 - - -
194 - - -
195 - - -
196 - - -
197 - - -
198 - - -
199 - - -
200 - - -
201 - - -
202 - - -
203 - - -
17 204 - - -
205 - - -
206 - - -
207 - - -
208 - - -
209 - - -
210 - - -
211 - - -
212 - - -
213 - - -
214 - - -
215 - - -
18 216 - - -
217 - - -
218 - - -
219 - - -
220 - - -
221 - - -
 222 - - -
223 - - -
224 - - -
225 - - -
226 - - -
227 - - -
19 228 - - -
229 - - -
230 - - -
231 - - -
232 - - -
233 - - -
234 - - -
235 - - -
236 - - -
237 - - -
238 - - -
239 - - -
20 240 - - -
 Opsi II
Rp600,000,000
10%
Rp540,000,000

6
4% 4%
3
12%
3

4%
3
8,448,399

Rp286,153,744
Rp304,142,359
Rp253,846,256
Rp50,296,103

Rp286,153,744
12%
3
Rp9,504,399

Rp342,158,368
Rp286,153,744
Rp56,004,624

Rp540,000,000
Rp106,300,727
Rp646,300,727
20%

Tabel Opsi II
Sisa Pokok Tahun Bulan Angsuran Bulanan
540,000,000 0 0
537,805,685 1 8,448,399
535,604,056 2 8,448,399
533,395,088 3 8,448,399
531,178,757 4 8,448,399
528,955,038 5 8,448,399
526,723,907 6 8,448,399
524,485,338 7 8,448,399
522,239,308 8 8,448,399
519,985,791 9 8,448,399
517,724,762 10 8,448,399
515,456,196 11 8,448,399
513,180,069 1 12 8,448,399
510,896,354 13 8,448,399
508,605,027 14 8,448,399
506,306,063 15 8,448,399
503,999,435 16 8,448,399
501,685,118 17 8,448,399
499,363,087 18 8,448,399
497,033,316 19 8,448,399
494,695,779 20 8,448,399
492,350,450 21 8,448,399
489,997,303 22 8,448,399
487,636,313 23 8,448,399
485,267,452 2 24 8,448,399
482,890,696 25 8,448,399
480,506,017 26 8,448,399
478,113,388 27 8,448,399
475,712,785 28 8,448,399
473,304,179 29 8,448,399
470,887,545 30 8,448,399
468,462,856 31 8,448,399
466,030,084 32 8,448,399
463,589,202 33 8,448,399
461,140,185 34 8,448,399
458,683,004 35 8,448,399
456,217,633 3 36 8,448,399
454,787,759 37 9,504,399
453,343,587 38 9,504,399
451,884,973 39 9,504,399
450,411,773 40 9,504,399
448,923,841 41 9,504,399
447,421,030 42 9,504,399
445,903,191 43 9,504,399
444,370,173 44 9,504,399
442,821,825 45 9,504,399
441,257,993 46 9,504,399
439,678,524 47 9,504,399
438,083,259 4 48 9,504,399
436,472,042 49 9,504,399
434,844,713 50 9,504,399
433,201,110 51 9,504,399
431,541,072 52 9,504,399
429,864,433 53 9,504,399
428,171,027 54 9,504,399
426,460,688 55 9,504,399
424,733,245 56 9,504,399
422,988,528 57 9,504,399
421,226,363 58 9,504,399
419,446,577 59 9,504,399
417,648,993 5 60 9,504,399
415,833,433 61 9,504,399
413,999,718 62 9,504,399
412,147,665 63 9,504,399
410,277,092 64 9,504,399
408,387,814 65 9,504,399
406,479,642 66 9,504,399
404,552,389 67 9,504,399
402,605,863 68 9,504,399
400,639,872 69 9,504,399
398,654,221 70 9,504,399
396,648,713 71 9,504,399
394,623,151 6 72 9,504,399
392,577,333 73 -
390,511,056 74 -
388,424,117 75 -
386,316,308 76 -
384,187,422 77 -
382,037,246 78 -
379,865,569 79 -
377,672,175 80 -
375,456,847 81 -
373,219,366 82 -
370,959,510 83 -
368,677,055 7 84 -
366,371,776 85 -
364,043,444 86 -
361,691,829 87 -
359,316,697 88 -
356,917,815 89 -
354,494,943 90 -
352,047,843 91 -
349,576,271 92 -

8
347,079,984 93 -
344,558,735 94 -
342,012,272 95 -
339,440,345 8 96 -
336,842,699 97 -
334,219,076 98 -
331,569,217 99 -
328,892,860 100 -
326,189,739 101 -
323,459,586 102 -
320,702,132 103 -
317,917,104 104 -
315,104,225 105 -
312,263,218 106 -
309,393,800 107 -
306,495,689 9 108 -
303,568,596 109 -
300,612,232 110 -
297,626,305 111 -
294,610,518 112 -
291,564,573 113 -
288,488,169 114 -
285,381,001 115 -
282,242,762 116 -
279,073,140 117 -
275,871,821 118 -
272,638,490 119 -
269,372,825 10 120 -
266,074,504 121 -
262,743,199 122 -
259,378,581 123 -
255,980,317 124 -
252,548,071 125 -
249,081,502 126 -
245,580,267 127 -
242,044,020 128 -
238,472,410 129 -
234,865,085 130 -
231,221,686 131 -
227,541,853 11 132 -
223,825,222 133 -
220,071,424 134 -
216,280,089 135 -
212,450,840 136 -
208,583,299 137 -
204,677,082 138 -
200,731,803 139 -
196,747,072 140 -
192,722,493 141 -
188,657,668 142 -
184,552,195 143 -
180,405,667 12 144 -
176,217,674 145 -
171,987,801 146 -
167,715,629 147 -
163,400,736 148 -
159,042,693 149 -
154,641,071 150 -
150,195,432 151 -
145,705,336 152 -
141,170,340 153 -
136,589,994 154 -
131,963,844 155 -
127,291,433 13 156 -
122,572,297 157 -
117,805,970 158 -
112,991,980 159 -
108,129,850 160 -
103,219,099 161 -
98,259,241 162 -
93,249,783 163 -
88,190,231 164 -
83,080,084 165 -
77,918,835 166 -
72,705,974 167 -
67,440,984 14 168 -
62,123,344 169 -
56,752,528 170 -
51,328,003 171 -
45,849,233 172 -
40,315,676 173 -
34,726,783 174 -
29,082,001 175 -
23,380,772 176 -
17,622,530 177 -
11,806,705 178 -

15
 5,932,722 179 -
- 0 15 180 -
- 0 181 -
- 0 182 -
- 0 183 -
- 0 184 -
- 0 185 -
- 0 186 -
- 0 187 -
- 0 188 -
- 0 189 -
- 0 190 -
- 0 191 -
- 0 16 192 -
- 0 193 -
- 0 194 -
- 0 195 -
- 0 196 -
- 0 197 -
- 0 198 -
- 0 199 -
- 0 200 -
- 0 201 -
- 0 202 -
- 0 203 -
- 0 17 204 -
- 0 205 -
- 0 206 -
- 0 207 -
- 0 208 -
- 0 209 -
- 0 210 -
- 0 211 -
- 0 212 -
- 0 213 -
- 0 214 -
- 0 215 -
- 0 18 216 -
- 0 217 -
- 0 218 -
- 0 219 -
- 0 220 -
- 0 221 -
- 0 222 -
- 0 223 -
- 0 224 -
- 0 225 -
- 0 226 -
- 0 227 -
- 0 19 228 -
- 0 229 -
- 0 230 -
- 0 231 -
- 0 232 -
- 0 233 -
- 0 234 -
- 0 235 -
- 0 236 -
- 0 237 -
- 0 238 -
- 0 239 -
- 0 20 240 -
 Tabel Opsi II
Angsuran BungaAngsuran Pokok Sisa Pokok
Rp540,000,000
1,800,000 6,648,399 533,351,601
1,777,839 6,670,560 526,681,041
1,755,603 6,692,795 519,988,246
1,733,294 6,715,105 513,273,141
1,710,910 6,737,488 506,535,652
1,688,452 6,759,947 499,775,706
1,665,919 6,782,480 492,993,226
1,643,311 6,805,088 486,188,138
1,620,627 6,827,772 479,360,366
1,597,868 6,850,531 472,509,835
1,575,033 6,873,366 465,636,469
1,552,122 6,896,277 458,740,192
1,529,134 6,919,265 451,820,927
1,506,070 6,942,329 444,878,598
1,482,929 6,965,470 437,913,128
1,459,710 6,988,688 430,924,439
1,436,415 7,011,984 423,912,455
1,413,042 7,035,357 416,877,098
1,389,590 7,058,809 409,818,289
1,366,061 7,082,338 402,735,951
1,342,453 7,105,946 395,630,006
1,318,767 7,129,632 388,500,373
1,295,001 7,153,398 381,346,976
1,271,157 7,177,242 374,169,734
1,247,232 7,201,166 366,968,567
1,223,229 7,225,170 359,743,397
1,199,145 7,249,254 352,494,143
1,174,980 7,273,418 345,220,724
1,150,736 7,297,663 337,923,061
1,126,410 7,321,989 330,601,072
1,102,004 7,346,395 323,254,677
1,077,516 7,370,883 315,883,794
1,052,946 7,395,453 308,488,341
1,028,294 7,420,104 301,068,237
1,003,561 7,444,838 293,623,399
978,745 7,469,654 286,153,744
2,861,537 6,642,862 279,510,883
2,795,109 6,709,290 272,801,592
2,728,016 6,776,383 266,025,209
2,660,252 6,844,147 259,181,062
2,591,811 6,912,588 252,268,474
2,522,685 6,981,714 245,286,759
2,452,868 7,051,532 238,235,228
2,382,352 7,122,047 231,113,181
2,311,132 7,193,267 223,919,914
2,239,199 7,265,200 216,654,714
2,166,547 7,337,852 209,316,862
2,093,169 7,411,231 201,905,631
2,019,056 7,485,343 194,420,288
1,944,203 7,560,196 186,860,092
1,868,601 7,635,798 179,224,294
1,792,243 7,712,156 171,512,138
1,715,121 7,789,278 163,722,860
1,637,229 7,867,171 155,855,689
1,558,557 7,945,842 147,909,847
1,479,098 8,025,301 139,884,547
1,398,845 8,105,554 131,778,993
1,317,790 8,186,609 123,592,384
1,235,924 8,268,475 115,323,908
1,153,239 8,351,160 106,972,748
1,069,727 8,434,672 98,538,077
985,381 8,519,018 90,019,058
900,191 8,604,209 81,414,850
814,148 8,690,251 72,724,599
727,246 8,777,153 63,947,446
639,474 8,864,925 55,082,522
550,825 8,953,574 46,128,948
461,289 9,043,110 37,085,838
370,858 9,133,541 27,952,297
279,523 9,224,876 18,727,421
187,274 9,317,125 9,410,296
94,103 9,410,296 - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
- - - 0
 MATRIX ILUSTRASI INVESTASI
(Jika Nasabah menabung perbulan sebesar dana investasi Tertentu (D), berapa hasil Investasi
Pada tahun ke ( Y ), dengan Indikasi Imbal Hasil tertentu ( X )

Dana Investasi / Bulan ( D ) 4,000,000

Indikasi Imbal Hasil ( X )

Tahun Tabungan Deposito RD Pasar Uang RD Campuran
1% 5% 8% 15%
1 48,220,612 49,115,422 49,799,704 51,441,446
2 96,925,647 100,743,682 103,732,759 111,152,336
3 146,119,970 155,013,342 162,142,231 180,462,022
4 195,808,498 212,059,541 225,399,660 260,913,553
5 245,996,195 272,024,331 293,907,425 354,298,031
6 296,688,075 335,057,034 368,101,300 462,694,486
7 347,889,204 401,314,610 448,453,231 588,516,160
8 399,604,698 470,962,049 535,474,332 734,564,238
9 451,839,723 544,172,783 629,718,141 904,090,203
10 504,599,500 621,129,118 731,784,141 1,100,868,233
11 557,889,299 702,022,684 842,321,568 1,329,279,221
12 611,714,445 787,054,919 962,033,546 1,594,408,307
13 666,080,317 876,437,564 1,091,681,560 1,902,158,091
14 720,992,346 970,393,196 1,232,090,295 2,259,380,043
15 776,456,019 1,069,155,775 1,384,152,886 2,674,027,038
16 832,476,878 1,172,971,236 1,548,836,597 3,155,330,410
17 889,060,521 1,282,098,092 1,727,188,975 3,714,005,474
18 946,212,600 1,396,808,086 1,920,344,512 4,362,490,079
19 1,003,938,827 1,517,386,860 2,129,531,864 5,115,221,513
20 1,062,244,970 1,644,134,674 2,356,081,662 5,988,957,926
21 1,121,136,853 1,777,367,146 2,601,434,983 7,003,151,415
Tahun ke ( Y )

22 1,180,620,363 1,917,416,045 2,867,152,507 8,180,381,088

23 1,240,701,441 2,064,630,111 3,154,924,455 9,546,855,751
24 1,301,386,091 2,219,375,927 3,466,581,333 11,132,997,388
25 1,362,680,377 2,382,038,834 3,804,105,578 12,974,118,460
 MATRIX ILUSTRASI INVESTASI
apa hasil Investasi (Jika Nasabah ingin memiliki dana investasi sebesar Dana Investasi Tertentu (D) pad
X) tahun ke ( Y ) dgn indikasi tingkat imbal hasil ( X ), berapa dana investasi saya per bu

Dana Investasi yg diharapkan (D) 86,000,000

Indikasi Imbal Hasil ( X )

RD Saham Tahun Tabungan Deposito
20% 1% 5%
52,653,860 1 7,133,879 7,003,910
116,859,508 2 3,549,112 3,414,606
195,151,303 3 2,354,230 2,219,164
290,619,619 4 1,756,819 1,622,186
407,032,833 5 1,398,396 1,264,593
548,986,069 6 1,159,467 1,026,691
722,082,578 7 988,821 857,183
933,154,919 8 860,851 730,420
1,190,534,649 9 761,332 632,152
1,504,381,198 10 681,729 553,830
1,887,082,882 11 616,610 490,013
2,353,745,903 12 562,354 437,072
2,922,790,630 13 516,454 392,498
3,616,678,698 14 477,120 354,495
4,462,799,622 15 443,039 321,749
5,494,551,933 16 413,225 293,272
6,752,661,503 17 386,925 268,310
8,286,789,096 18 363,555 246,276
10,157,490,607 19 342,650 226,706
12,438,607,351 20 323,842 209,229
15,220,180,773 21 306,831 193,545
Tahun ke ( Y )

18,612,006,606 22 291,372 179,408

22,747,968,788 23 277,263 166,616
27,791,324,200 24 264,334 154,999
33,941,146,828 25 252,444 144,414
esar Dana Investasi Tertentu (D) pada
), berapa dana investasi saya per bulan ?

Indikasi Imbal Hasil ( X )

RD Pasar Uang RD Campuran RD Saham
8% 15% 20%
6,907,672 6,687,215 6,533,234
3,316,214 3,094,852 2,943,706
2,121,594 1,906,218 1,762,735
1,526,178 1,318,444 1,183,678
1,170,437 970,934 845,141
934,525 743,471 626,610
767,081 584,521 476,400
642,421 468,305 368,642
546,276 380,493 288,946
470,084 312,481 228,665
408,395 258,787 182,292
357,576 215,754 146,150
315,110 180,847 117,696
279,200 152,254 95,115
248,527 128,645 77,082
222,102 109,022 62,607
199,168 92,622 50,943
179,135 78,854 41,512
161,538 67,250 33,867
146,005 57,439 27,656
132,235 49,121 22,602
119,980 42,052 18,483
109,036 36,033 15,122
99,233 30,899 12,378
90,429 26,514 10,135
 Estimasi
Tingkat Pendidi Biaya Sekarang
PAUD ###
TK ###
SD ###
SMP ###
SMA ###
KULIAH ###
Total ###

Dana Pendidikan Anak Pertama

Tingkat Pendidi Usia Sekolah Lama Sekolah Perkiraan WaktuInflasi Pendidika

PAUD 4 TAHUN 1 TAHUN 3 8%
TK 5-7 TAHUN 2 TAHUN 4 8%
SD 7-13 TAHUN 6 TAHUN 6 8%
SMP 13-16 TAHUN 3 TAHUN 12 8%
SMA 16-19 TAHUN 3 TAHUN 15 8%
KULIAH 19-23 TAHUN 4 TAHUN 18 10%

*anak pertama umur 1 tahun

>10 tahun investasi pada instrumen X
<10 tahun investasi pada instrumen X

Dana Pendidikan Anak Kedua

Tingkat Pendidi Usia Sekolah Lama Sekolah Perkiraan WaktuInflasi Pendidika

PAUD 4 TAHUN 1 TAHUN 7 8%
TK 5-7 TAHUN 2 TAHUN 8 8%
SD 7-13 TAHUN 6 TAHUN 10 8%
SMP 13-16 TAHUN 3 TAHUN 16 8%
SMA 16-19 TAHUN 3 TAHUN 19 8%
KULIAH 19-23 TAHUN 4 TAHUN 22 10%
*Jarak anak pertama dengan anak kedua 4 tahun
>10 tahun investasi pada instrumen X
<10 tahun investasi pada instrumen X
 Biaya Pendidikan Tabungan
Return Investasi Biaya Sekarang Biaya Selanjutny(Bulan)
8% ### ### Rp621,534.31
8% ### ### Rp538,401.94
8% ### ### Rp801,840.75
12% ### ### Rp284,127.38
12% ### ### Rp327,960.43
12% ### ### Rp1,173,813.15
### ### Rp3,747,677.96
Nominal yang diInstrumen X Rp1,961,777.01
Nominal yang diInstrumen Y Rp1,785,900.95

Biaya Pendidikan Tabungan

Return Investasi Biaya Sekarang Biaya Selanjutny(Bulan)
8% ### ### Rp305,730.75
8% ### ### Rp308,330.32
8% ### ### Rp548,741.12
12% ### ### Rp214,262.03
12% ### ### Rp257,201.51
12% ### ### Rp1,015,103.45
### ### Rp2,649,369.19
Nominal yang diInstrumen X Rp1,162,802.19
Nominal yang diInstrumen Y Rp1,486,566.99
Nominal yang diinvestasikan tiap bulan pada
Instrumen X Rp3,124,579.20
Instrumen Y Rp3,272,467.94
Total Rp6,397,047.15
 Keterangan
Kolom yang diisi

LAPORAN KEUANG

AKUN KETERANGAN Jan-20 Feb-20 Mar-20

PENDAPATAN Dari Monthly Budget

Pendapatan Bulanan - Sendri ### ### ###
Pendapatan Bulanan - Pasang Rp - Rp - Rp -
Pendapatan Tidak Tetap Rp - Rp 880,000 Rp -
Pendapatan Pasif Rp 3,666,667 Rp 3,666,667 Rp 3,666,667
THR dan Bonus Tahunan Rp - Rp - ###
Lain-lain Rp - ### Rp -
TOTAL PENDAPATAN ### ### ###

BIAYA HIDUP Dari Monthly Budget

Biaya Rumah Tangga Rp 1,291,000 Rp 1,789,000 Rp 1,517,500
Belanja Bulanan Rp - Rp - Rp -
Utilitas Rp 3,600,000 Rp - Rp -
Transportasi Rp - Rp 457,000 Rp 97,000
Kesehatan (incl. Asuransi) Rp - Rp - Rp -
Pendidikan Rp 60,000 Rp 9,966,500 Rp 25,000
Pribadi Rp - Rp - Rp -
Anak Rp - Rp - Rp -
Gaya Hidup Rp - Rp 160,000 Rp -
Cicilan Kartu Kredit Rp 100,000 Rp 100,000 Rp 100,000
Memberi Rp 445,000 Rp 3,903,000 Rp 231,000
Lain-lain Rp 3,600,000 Rp - Rp -
TOTAL BIAYA HIDUP Rp 9,096,000 ### Rp 1,970,500

BIAYA TETAP Dari Monthly Budget

Zakat Rp - Rp - Rp -
Biaya Pajak (PPh, PBB, dll) Rp - Rp - Rp -
Biaya Keagamaan Rp - Rp - Rp -
Biaya Kendaraan Rp - Rp - Rp -
Lain-lain Rp - Rp - Rp -
TOTAL BIAYA TETAP Rp - Rp - Rp -

SAVEABLE INCOME Rp 9,570,667 ### ###

INVESTASI & PROTEKSI POKOK

Dana Darurat 10% Rp - Rp - Rp -
Tabungan/Depo 0% Rp - Rp - Rp -
Cicilan KPR/KP 0% Rp - Rp - Rp -
Cicilan KKB 0% Rp - Rp - Rp -
Premi Asuransi 0% Rp - Rp - Rp -
Premi Asuransi 0% Rp - Rp - Rp -
Reksadana (PU 0% Rp - Rp - Rp -
Saham 40% Rp - Rp - Rp -
Lain-lain 0% Rp 4,785,333 ### ###
TOTAL INVESTA 50% Rp 4,785,333 ### ###

INVESTASI & PROTEKSI TUJUAN

Dana Pensiun / 10% Rp - Rp - Rp -
Dana Tujuan A 0% Rp - Rp - Rp -
Dana Tujuan Ke 0% Rp 3,828,267 ### ###
Dana Tujuan Pr 40% Rp - Rp - Rp -
Aset Produktif 0% Rp - Rp - Rp -
Kegiatan Usaha 0% Rp - Rp - Rp -
Lain-lain 0% Rp 4,785,333 ### ###
TOTAL INVESTA 50% Rp - Rp - Rp -

SISA SAVEABLE INCOME Rp 4,785,333 ### ###

HARTA TETAP
Rumah/Hunian Rp 1,000,000 Rp 1,004,167 Rp 1,008,351
Kendaraan ### ### Rp 5,750,000
Aset Produktif ### ### ###
Aset Usaha Rp - -Rp 4,758,333 -Rp 9,516,667
TOTAL HARTA TETAP ### ### ###

HARTA TIDAK TETAP

Dana Darurat ### ### ###
Tabungan/Deposito Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
Asuransi & Unit-link Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
Dana Pensiun / Hari Tua Rp 5,000,000 Rp 5,000,000 Rp 5,000,000
Dana Tujuan Anak Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
Dana Tujuan Keluarga Rp 4,828,267 ### ###
Dana Tujuan Pribadi Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
Reksadana (PU/PT/Campuran Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
Saham ### ### ###
Lain-lain ### ### ###
TOTAL HARTA TIDAK TETAP ### ### ###

TOTAL HARTA ### ### ###

KEWAJIBAN PRODUKTIF
Saldo KPR Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
Saldo KKB Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
Saldo Lainnya Rp -
TOTAL KEWAJIBAN PRODUKTIRp 2,000,000 Rp 2,000,000 Rp 2,000,000

KEWAJIBAN KONSUMTIF
Saldo Kartu Kredit Rp 1,100,000 Rp 1,000,000 Rp 900,000
Saldo Pinjaman lainnya
TOTAL KEWAJIBAN KONSUMTI Rp 1,100,000 Rp 1,000,000 Rp 900,000

TOTAL KEWAJIBAN Rp 3,100,000 Rp 3,000,000 Rp 2,900,000

NILAI HARTA BERSIH ### ### ###

 LAPORAN KEUANGAN PRIBADI/KELUARGA

Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20

### ### ### ### ### ###

Rp - Rp -
Rp - Rp -
Rp 3,666,667 Rp -
Rp - Rp 2,554,000
Rp - Rp -
### ### ### ### ### ###

Rp 1,291,000 Rp 1,789,000
Rp - Rp -
Rp - Rp - Rp 3,600,000
Rp - Rp 457,000
Rp - Rp -
Rp 60,000 Rp - Rp 6,900,000
Rp - Rp -
Rp - Rp -
Rp - Rp 160,000
Rp 100,000 Rp 100,000 Rp 100,000 Rp 100,000 Rp 100,000 Rp 100,000
Rp 445,000 Rp 3,903,000
Rp - Rp - Rp 2,000,000
Rp 1,896,000 Rp 6,409,000 ### Rp 100,000 Rp 100,000 Rp 100,000

Rp - Rp 1,396,175
Rp - Rp -
Rp - Rp -
Rp - Rp -
Rp - Rp -
Rp - Rp 1,396,175

### Rp 9,748,825 Rp 2,400,000 ### ### ###

Rp - Rp - Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp - Rp - Rp -
Rp 8,385,333 Rp 4,874,413 Rp 1,200,000 Rp 7,450,000 Rp 7,450,000 Rp 7,450,000
Rp 8,385,333 Rp 4,874,413 Rp 1,200,000 Rp 7,450,000 Rp 7,450,000 Rp 7,450,000

Rp - Rp - Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp - Rp - Rp -
Rp 6,708,267 Rp 3,899,530 Rp 960,000 Rp 5,960,000 Rp 5,960,000 Rp 5,960,000
Rp - Rp - Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp - Rp - Rp -
Rp 8,385,333 Rp 4,874,413 Rp 1,200,000 Rp 7,450,000 Rp 7,450,000 Rp 7,450,000
Rp - Rp - Rp - Rp - Rp - Rp -

Rp 8,385,333 Rp 4,874,413 Rp 1,200,000 Rp 7,450,000 Rp 7,450,000 Rp 7,450,000

Rp 1,012,552 Rp 1,016,771 Rp 1,021,008 Rp 1,025,262 Rp 1,029,534 Rp 1,033,824

Rp 1,125,000 -Rp 3,500,000 -Rp 8,125,000 ### ### ###
### ### ### ### ### ###
### ### ### ### ### ###
### ### ### ### ### ###

### ### ### ### ### ###

Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
Rp 5,000,000 Rp 5,000,000 Rp 5,000,000 Rp 5,000,000 Rp 5,000,000 Rp 5,000,000
Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
### ### ### ### ### ###
Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
### ### ### ### ### ###
### ### ### ### ### ###
### ### ### ### ### ###

### ### ### ### ### ###

Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000

Rp 2,000,000 Rp 2,000,000 Rp 2,000,000 Rp 2,000,000 Rp 2,000,000 Rp 2,000,000

Rp 800,000 Rp 700,000 Rp 600,000 Rp 500,000 Rp 400,000 Rp 300,000

Rp 800,000 Rp 700,000 Rp 600,000 Rp 500,000 Rp 400,000 Rp 300,000

Rp 2,800,000 Rp 2,700,000 Rp 2,600,000 Rp 2,500,000 Rp 2,400,000 Rp 2,300,000

### ### ### ### ### ###

 Oct-20 Nov-20 Dec-20 TOTAL 2020

### ### ### ###

Rp -
Rp 880,000
###
###
###
### ### ### ###

Rp 7,677,500
Rp -
Rp 7,200,000
Rp 1,011,000
Rp -
Rp 6,900,000 ###
Rp -
Rp -
Rp 320,000
Rp 100,000 Rp 100,000 Rp 100,000
Rp 8,927,000
Rp 5,600,000
Rp 100,000 Rp 100,000 Rp 7,000,000 ###

Rp 1,396,175
Rp -
Rp -
Rp -
Rp -
Rp 1,396,175

### ### Rp 8,000,000 ###

Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp -
Rp 7,450,000 Rp 7,450,000 Rp 4,000,000 ###
Rp 7,450,000 Rp 7,450,000 Rp 4,000,000 ###

Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp -
Rp 5,960,000 Rp 5,960,000 Rp 3,200,000 ###
Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp -
Rp 7,450,000 Rp 7,450,000 Rp 4,000,000 ###
Rp - Rp - Rp - Rp -

Rp 7,450,000 Rp 7,450,000 Rp 4,000,000 ###

Rp 1,038,131 Rp 1,042,457 Rp 1,046,800 Rp 1,051,162

### ### ### ###
### ### ### ###
### ### ### ###
### ### ### ###

### ### ### ###

Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
Rp 5,000,000 Rp 5,000,000 Rp 5,000,000 Rp 5,000,000
Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
### ### ### ###
Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
### ### ### ###
### ### ### ###
### ### ### ###

### ### ### ###

Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000
Rp 1,000,000 Rp 1,000,000 Rp 1,000,000 Rp 1,000,000

Rp 2,000,000 Rp 2,000,000 Rp 2,000,000 Rp 2,000,000

Rp 200,000 Rp 100,000 Rp - Rp -

Rp 200,000 Rp 100,000 Rp - Rp -

Rp 2,200,000 Rp 2,100,000 Rp 2,000,000 Rp 2,000,000

### ### ### ###