Spreadsheet: 733920d1621888941-help-with-an-if-statement-sample-worksheet-for-excel-forum
Sheet: Cash Allocation Worksheet

 | Current Monthly Gross Cash Flow1: |  | 1Gross Cash flow is Represented only if you are showing Direct Qualified Savings (not for expenses)
 | Current Monthly Net Cash Flow:
 | Monthly Debt Paydown Amount2: | 875 |  |  |  | Debt Payoff Date based on Avalanche Paydown: | 2050-12-15 00:00:00
 | Retirement Monthly Net Cash Flow: |  |  |  |  | Retirement Date: | 2033-12-31 00:00:00
 | ROUTINE EXPENSES |  | UNPLANNED | PLANNED EXPENSES |  |  |  |  |  |  | Retirement Savings Below Deducted on Gross Pay
 | Checking | Checking | Cash Reserves/ Emergency | S/T & M/T Goals | Home Fund | S/T & M/T Goals | LPL Account |  |  | Pre-tax Contribution Rate: | 0.07 | 0
Year | Routine Monthly Expenses | Debt Service (Mortgage/ Loans/Credit) | Cash Reserves | Home Improvement Expenses | Home Fund | Short- and Mid-Term Expense Goals | Long-Term Saving and Investing | Planned Expense | Fund Source | Expense Description for the Month/Year Payment is Made | IBM 401K | Fidelity IRA |  | Fixed Expenses
Percentage of Income
2021 Opening Balance | 0 | 0 | 0 | 0 | 0 | 0 | 257892 |  |  |  |  | 481476.81
2021-01-01 00:00:00 |  |  | 0 | 0 | 0 | 0
2021-02-01 00:00:00 |  |  | 0 | 0 | 0 | 0
2021-03-01 00:00:00 |  |  | 4185.24 | 0 | 31519.33 | 16015.66
2021-04-01 00:00:00 |  |  |  |  |  |  |  | 0 | Short- and Mid-Term Expense Goals
2021-05-01 00:00:00
2021-06-01 00:00:00
2021-07-01 00:00:00 |  |  |  |  |  |  |  | -6240 | Short- and Mid-Term Expense Goals
2021-08-01 00:00:00 |  |  |  |  |  |  |  | -8000 | Short- and Mid-Term Expense Goals
2021-09-01 00:00:00
2021-10-01 00:00:00
2021-11-01 00:00:00
2021-12-01 00:00:00
2021 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2022 Opening Balance
2022-01-01 00:00:00
2022-02-01 00:00:00 |  |  |  |  |  |  |  | -2300 | Cash Reserves
2022-03-01 00:00:00
2022-04-01 00:00:00 |  |  |  |  |  |  |  | -12000 | Short- and Mid-Term Expense Goals
2022-05-01 00:00:00
2022-06-01 00:00:00
2022-07-01 00:00:00
2022-08-01 00:00:00
2022-09-01 00:00:00 |  |  |  |  |  |  |  | -3120 | Short- and Mid-Term Expense Goals
2022-10-01 00:00:00
2022-11-01 00:00:00
2022-12-01 00:00:00
2022 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2023 Opening Balance
2023-01-01 00:00:00
2023-02-01 00:00:00
2023-03-01 00:00:00
2023-04-01 00:00:00 |  |  |  |  |  |  |  | -70000 | Home Fund
2023-05-01 00:00:00
2023-06-01 00:00:00
2023-07-01 00:00:00
2023-08-01 00:00:00
2023-09-01 00:00:00 |  |  |  |  |  |  |  | -6000 | Short- and Mid-Term Expense Goals
2023-10-01 00:00:00
2023-11-01 00:00:00
2023-12-01 00:00:00
2023 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2024 Opening Balance
2024-01-01 00:00:00
2024-02-01 00:00:00 |  |  |  |  |  |  |  | -6000 | Short- and Mid-Term Expense Goals
2024-03-01 00:00:00
2024-04-01 00:00:00
2024-05-01 00:00:00
2024-06-01 00:00:00
2024-07-01 00:00:00
2024-08-01 00:00:00 |  |  |  |  |  |  |  | -6000 | Short- and Mid-Term Expense Goals
2024-09-01 00:00:00
2024-10-01 00:00:00
2024-11-01 00:00:00
2024-12-01 00:00:00
2024 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2025 Opening Balance
2025-01-01 00:00:00
2025-02-01 00:00:00 |  |  |  |  |  |  |  | -6000 | Short- and Mid-Term Expense Goals
2025-03-01 00:00:00
2025-04-01 00:00:00
2025-05-01 00:00:00 |  |  |  |  |  |  |  | 200000 | Home Fund
2025-06-01 00:00:00
2025-07-01 00:00:00
2025-08-01 00:00:00 |  |  |  |  |  |  |  | -6000 | Short- and Mid-Term Expense Goals
2025-09-01 00:00:00
2025-10-01 00:00:00
2025-11-01 00:00:00
2025-12-01 00:00:00
2025 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2026 Opening Balance
2026-01-01 00:00:00
2026-02-01 00:00:00 |  |  |  |  |  |  |  | -6000 | Short- and Mid-Term Expense Goals
2026-03-01 00:00:00
2026-04-01 00:00:00
2026-05-01 00:00:00
2026-06-01 00:00:00
2026-07-01 00:00:00
2026-08-01 00:00:00 |  |  |  |  |  |  |  | -6000 | Short- and Mid-Term Expense Goals
2026-09-01 00:00:00
2026-10-01 00:00:00
2026-11-01 00:00:00
2026-12-01 00:00:00
2026 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2027 Opening Balance
2027-01-01 00:00:00
2027-02-01 00:00:00 |  |  |  |  |  |  |  | -6000 | Short- and Mid-Term Expense Goals
2027-03-01 00:00:00
2027-04-01 00:00:00
2027-05-01 00:00:00
2027-06-01 00:00:00
2027-07-01 00:00:00
2027-08-01 00:00:00
2027-09-01 00:00:00
2027-10-01 00:00:00
2027-11-01 00:00:00
2027-12-01 00:00:00
2027 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2028 Opening Balance
2028-01-01 00:00:00
2028-02-01 00:00:00
2028-03-01 00:00:00
2028-04-01 00:00:00
2028-05-01 00:00:00
2028-06-01 00:00:00
2028-07-01 00:00:00
2028-08-01 00:00:00
2028-09-01 00:00:00
2028-10-01 00:00:00
2028-11-01 00:00:00
2028-12-01 00:00:00
2028 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2029 Opening Balance
2029-01-01 00:00:00
2029-02-01 00:00:00
2029-03-01 00:00:00
2029-04-01 00:00:00
2029-05-01 00:00:00
2029-06-01 00:00:00
2029-07-01 00:00:00
2029-08-01 00:00:00
2029-09-01 00:00:00
2029-10-01 00:00:00
2029-11-01 00:00:00
2029-12-01 00:00:00
2029 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2030 Opening Balance
2030-01-01 00:00:00
2030-02-01 00:00:00
2030-03-01 00:00:00
2030-04-01 00:00:00
2030-05-01 00:00:00
2030-06-01 00:00:00
2030-07-01 00:00:00
2030-08-01 00:00:00
2030-09-01 00:00:00
2030-10-01 00:00:00
2030-11-01 00:00:00
2030-12-01 00:00:00
2030 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2031 Opening Balance
2031-01-01 00:00:00
2031-02-01 00:00:00
2031-03-01 00:00:00
2031-04-01 00:00:00
2031-05-01 00:00:00
2031-06-01 00:00:00
2031-07-01 00:00:00
2031-08-01 00:00:00
2031-09-01 00:00:00
2031-10-01 00:00:00
2031-11-01 00:00:00
2031-12-01 00:00:00
2031 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2032 Opening Balance
2032-01-01 00:00:00
2032-02-01 00:00:00
2032-03-01 00:00:00
2032-04-01 00:00:00
2032-05-01 00:00:00
2032-06-01 00:00:00
2032-07-01 00:00:00
2032-08-01 00:00:00
2032-09-01 00:00:00
2032-10-01 00:00:00
2032-11-01 00:00:00
2032-12-01 00:00:00
2032 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2033 Opening Balance
2033-01-01 00:00:00
2033-02-01 00:00:00
2033-03-01 00:00:00
2033-04-01 00:00:00
2033-05-01 00:00:00
2033-06-01 00:00:00
2033-07-01 00:00:00
2033-08-01 00:00:00
2033-09-01 00:00:00
2033-10-01 00:00:00
2033-11-01 00:00:00
2033-12-01 00:00:00
2033 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2034 Opening Balance
2034-01-01 00:00:00
2034-02-01 00:00:00
2034-03-01 00:00:00
2034-04-01 00:00:00
2034-05-01 00:00:00
2034-06-01 00:00:00
2034-07-01 00:00:00
2034-08-01 00:00:00
2034-09-01 00:00:00
2034-10-01 00:00:00
2034-11-01 00:00:00
2034-12-01 00:00:00
2034 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2500
Percentage of Income |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2500
2035 Opening Balance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2500
2035-01-01 00:00:00
2035-02-01 00:00:00
2035-03-01 00:00:00
2035-04-01 00:00:00
2035-05-01 00:00:00
2035-06-01 00:00:00
2035-07-01 00:00:00
2035-08-01 00:00:00
2035-09-01 00:00:00
2035-10-01 00:00:00
2035-11-01 00:00:00
2035-12-01 00:00:00
2035 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2036 Opening Balance
2036-01-01 00:00:00
2036-02-01 00:00:00
2036-03-01 00:00:00
2036-04-01 00:00:00
2036-05-01 00:00:00
2036-06-01 00:00:00
2036-07-01 00:00:00
2036-08-01 00:00:00
2036-09-01 00:00:00
2036-10-01 00:00:00
2036-11-01 00:00:00
2036-12-01 00:00:00
2036 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2037 Opening Balance
2037-01-01 00:00:00
2037-02-01 00:00:00
2037-03-01 00:00:00
2037-04-01 00:00:00
2037-05-01 00:00:00
2037-06-01 00:00:00
2037-07-01 00:00:00
2037-08-01 00:00:00
2037-09-01 00:00:00
2037-10-01 00:00:00
2037-11-01 00:00:00
2037-12-01 00:00:00
2037 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2038 Opening Balance
2038-01-01 00:00:00
2038-02-01 00:00:00
2038-03-01 00:00:00
2038-04-01 00:00:00
2038-05-01 00:00:00
2038-06-01 00:00:00
2038-07-01 00:00:00
2038-08-01 00:00:00
2038-09-01 00:00:00
2038-10-01 00:00:00
2038-11-01 00:00:00
2038-12-01 00:00:00
2038 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2039 Opening Balance
2039-01-01 00:00:00
2039-02-01 00:00:00
2039-03-01 00:00:00
2039-04-01 00:00:00
2039-05-01 00:00:00
2039-06-01 00:00:00
2039-07-01 00:00:00
2039-08-01 00:00:00
2039-09-01 00:00:00
2039-10-01 00:00:00
2039-11-01 00:00:00
2039-12-01 00:00:00
2039 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2040 Opening Balance
2040-01-01 00:00:00
2040-02-01 00:00:00
2040-03-01 00:00:00
2040-04-01 00:00:00
2040-05-01 00:00:00
2040-06-01 00:00:00
2040-07-01 00:00:00
2040-08-01 00:00:00
2040-09-01 00:00:00
2040-10-01 00:00:00
2040-11-01 00:00:00
2040-12-01 00:00:00
2040 Closing Balance |  |  |  |  |  |  |  |  |  |  | 0 | 0
Percentage of Income
2041 Opening Balance
2041-01-01 00:00:00
2041-02-01 00:00:00
2041-03-01 00:00:00
2041-04-01 00:00:00
2041-05-01 00:00:00
2041-06-01 00:00:00
2041-07-01 00:00:00
2041-08-01 00:00:00
2041-09-01 00:00:00
2041-10-01 00:00:00
2041-11-01 00:00:00
2041-12-01 00:00:00
2041 Closing Balance
 |  |  |  |  |  |  |  |  |  | IBM 401K contributions (without investing; refer to compound investing calculator) at end of full period:
 |  |  |  |  |  |  |  |  |  | Hypothetical projected value of Qualified Plan 1 with compounded annual interest at 3% at end of full period**:
 |  |  |  |  |  |  |  |  |  | Hypothetical projected value of Qualified Plan 1 with compounded annual interest at 5% at end of full period**:
 |  |  |  |  |  |  |  |  |  | Hypothetical projected value of Qualified Plan 1 with compounded annual interest at 7% at end of full period**:
 |  |  |  |  |  |  |  |  |  |  | Fidelity IRA contributions (without investing; refer to compound investing calculator) at end of full period:
 |  |  |  |  |  |  |  |  |  |  | Hypothetical projected value of Qualified Plan 2 with compounded annual interest at 3% at end of full period**:
 |  |  |  |  |  |  |  |  |  |  | Hypothetical projected value of Qualified Plan 2 with compounded annual interest at 5% at end of full period**:
 |  |  |  |  |  |  |  |  |  |  | Hypothetical projected value of Qualified Plan 2 with compounded annual interest at 7% at end of full period**:
 |  |  |  |  |  | Long-Term Savings (without investing; refer to compound investing calculator) at end of full period: | 472830
 |  |  |  |  |  | Hypothetical projected value of long-term savings with compounded annual interest at 3% at end of full period**:
 |  |  |  |  |  | Hypothetical projected value of long-term savings with compounded annual interest at 5% at end of full period**:
 |  |  |  |  |  | Hypothetical projected value of long-term savings with compounded annual interest at 7% at end of full period**:
**Values are taken from: https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator