FinAI (CFM)
Last Updated on 21-JUL-25
Updated using Microsoft CoPilot and ChatGPT
Notes for Readers and Users: Optimized for AI-friendly formatting (Microsoft Copilot and ChatGPT), enabling users to download and customize with their own AI prompts. All reports are provided in PDF format. To view the Cash Flow Model (CFM) Process Flowchart for each report, please visit this post.
Salary Allocation: Net Monthly Salary Allocation categorized by Type, including scheduled dates for recurring transfers and savings with a running balance for CBA, Macq, and WBC.
Savings Forecast (CFM): Monthly savings contributions for CBA, Macq, and WBC are planned through DEC25, with quarterly contributions until JUN26. Contributions from DEC26-JUN27 remain tentative, pending the potential investment property purchase.
Offset/PPM: Includes monthly PPM draw down balance to Offset. Includes WBC-Contr monthly to WBC-Sav. Shows Net Change for PPM, WBC-PPM, WBC-Contr, and Net Equity for Offset/WBC-Sav for JUL25-JUN26.
EKSuper (JUN25): Includes Monthly Interest, Cash, Cash%, Super Bal, YTD, and YTD% calculations for EKSuper by Month.
FI2033 Instructions: Includes AI Instructions and Guidelines for Savings, Investments, Retirement, Prop1, Offset & PPM, and Rem Mort Bal for FI2033. Includes FI2033 Table with a 3Y and 5Y Forecast by Catogory and Asset Allocation $/%.
EK Asset Alloc (NE%): Includes a category breakdown of Property, Investments, and Super, along with Savings + Offset/PPM showing Total Cash and Total Assets. Includes Asset Allocation projections with NE 12.5% of 5-years incremental. Target is NE Bal of $3M+ by 50 and $5M+ by 55.
Asset Alloc (3Y Forecast): Includes Property 1 Allocation with a detailed 3-year forecast, highlighting Equity analysis, Total Cash Allocation, and Remaining Loan Balance. Includes EKSuper 3-year forecast calculating accumulated capital growth and contributions, and the annual increase amounts.
EK Portfolio (5Y): The EK Portfolio report offers a comprehensive analysis of asset allocation over the five-year period from JUN20 to JUN25. The report details investment categories, performance trends, and portfolio growth. Key indicators, including YoY Net Equity ($/%) and Compounded Annual Growth Rate (CAGR%), provide insights into the overall financial performance.
FI Dashboard: Includes a Net Savings summary and detailed Cash Allocation, with quarterly and yearly breakdowns. Asset Allocation metrics are presented YoY and benchmarked against target %’s. Also provides a 3-year forecast for EKSuper, a breakdown of Offset and Prepaid Mortgage balances, and the cash allocation strategy for Property 2, with monthly and quarterly savings contributions.
Asset Alloc Forecast (2025-2033): Includes asset allocation categories focusing on savings, investments, retirement assets, and property equity from 2025-to-2033. The forecast outlines annual contributions, projected equity levels, and percentage allocations across each asset class.
Sav+Inv+Prop+Super (Coast FI): Summarized consolidation of Sav+Inv+Prop (2025-2033)(Coast FI). Includes annualized contributions and growth (C+G) targets using backward calculation. This excludes our actual contributions and actual balances as the 2033 target calculates using FV.
Accum+Decum: Includes Accum Phase (Retire by 50) and Decum Phase (Retire by 60). Includes Sav+Inv+Prop+Super FV formulas only. Super and drawdowns are not yet included in Accum Phase. Drawdowns are expected to begin by 2033, but not reflected. Will be including this report with target amounts in our Financial Planning (FP) Model.
Sav+Inv+Prop (2025-2033)(Coast FI): Includes the forward calculation using the FV by 2033 for our Savings, Investments, and Property Cash Flow. Includes contributions and growth and annualized targets. This excludes our actual contributions and actual balances as the 2033 target calculates using FV.
SMART for PICS (2026-2030): Includes net changes in asset allocations across Prop1, Investments, Cash Allocation, and Savings (PICS) from 2026-to-2030. Allocation amounts are calculated using cumulative cash flow totals, providing a structured view of each category’s contribution to the overall split allocation.
Financial Cash Position: Includes an overview of Property, Savings, and Offset Account, along with a detailed commentary on Cash Utilization Assessment. Provides a comprehensive analysis of Financial Metrics, considers the implications of Negative Gearing, and presents a side-by-side comparison for the Investment Property Purchase.
Prop Val+CF / Loan Details+Refinance / Owning vs Renting / Purchase+Upfront: Four separate reports providing a detailed analysis of property, covering valuation, cash flow dynamics, loan details, refinancing options, owning vs. renting comparisons, and upfront costs associated with purchasing an investment property.
Prop2 Alloc (3Y Forecast): A 3-year forecast for purchasing the investment property, detailing Equity, Expenses, Net Equity, Total Return on Equity (TROE%), Annualized Return (AR YoY%), and Remaining Loan Balance. The second report presents the adjusted allocation, assessing the negative gearing (NG) impact by integrating cash flow and equity adjustments while recalculating the Remaining Loan Balance and required the Offset/PPM balance to reflect gearing effect.
