Net Worth

Tracker

Year 2025

Month Start
Month End

2025 Total %

- 0%
- 0%
- 0%
- 0%
Asset
- 0%
- 0%
- 0%
- 0%
Total asset - 0%
Change in total asset #VALUE!

- 0%
- 0%
- 0%
Income
- 0%
- 0%
- 0%
Total income - 0%
Saving rate (%) 0% -

- 0%
- 0%
Liability
- 0%
- 0%
Total liability - 0%
Change in total liability -

- 0%
- 0%
- 0%
Investment
- 0%
- 0%
- 0%
Total Investment -

Outflow
 - 0%
- 0%
- 0%
Outflow - 0%
- 0%
- 0%
Expenditure - 0%
- 0%
- 0%
- 0%
- 0%
- 0%
- 0%
Total Expenditure -

Net worth -
Net worth growth rate 0%

Total Assets

Personal Accounts
Maybank Savings Account
CIMB Bank Savings Account
Public Bank Savings Account
Wise Cash
[Spare]
[Spare]
[Spare]
Total Personal Accounts

Investment
Moomoo
ASB/ ASNB
SSPN
[Spare]
[Spare]
[Spare]
[Spare]
Total Fixed deposit

Fixed Deposit
Fixed Deposit 1
Fixed Deposit 2
Fixed Deposit 3
Fixed Deposit 4
[Spare]
[Spare]
[Spare]
Total Fixed deposit

Exchange rate (If foreign currency appli

USD
SGD
[Spare]
[Spare]

Notes

Version 1.0
1. For detailed breakdown of cashflow, refer row 66 to 99
2. Only cell with "this" fill colour requires a manual input, otherwise considered formularised
3. Manual key in of year number in cell B8 is required
 2025 2025 2025 2025

1 Jan 2025 #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE!

Jan Feb Mar Apr

Saving accounts
Investments #VALUE! #VALUE! #VALUE!
Fixed deposit #VALUE! #VALUE! #VALUE! #VALUE!
EPF
Unit trust/ mutual funds
Housing property
Vehicle
Other asset
Total asset #VALUE! #VALUE! #VALUE! #VALUE!
Change in total asset #VALUE! #VALUE! #VALUE!

Salary
Bonus
Dividend
Rental income
Freelance
Other revenue
Total income - - - -
Saving rate (%) 0% 0% 0% 0%

Housing loan
Car loan
Student loan
Personal loan
Total liability - - - -
Change in total liability - - -

Moomoo
ASB/ ASNB
EPF (voluntary contribution)
Investment 1
Investment 2
Investment 3
- - - -
Housing loan
Car loan
Rental
Water bill
Electricity bill
Internet bill
Insurance
Food & groceries
Transportation (petrol, parking, toll)
Shopping
Social/ Travel
Gift
Others
Total Expenses - - - -

#VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE!

RM
SGD
RM
RM
RM
RM

RM #VALUE! #VALUE! #VALUE! #VALUE!

USD
RM
RM
USD
SGD
RM
 RM #VALUE! #VALUE! #VALUE! #VALUE!

RM
RM
USD
SGD
RM

RM #VALUE! #VALUE! #VALUE! #VALUE!

e considered formularised
 2025 2025 2025 2025 2025 2025 2025

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

May June July Aug Sep Oct Nov

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

- - - - - - -
0% 0% 0% 0% 0% 0% 0%

- - - - - - -
- - - - - - -

- - - - - - -
 - - - - - - -

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

 2025

#VALUE!
#VALUE!
Asset Breakdown

Dec

#VALUE!
Saving accounts
#VALUE! Investments
Fixed deposit
EPF
Unit trust/ mutual fu
Housing property
Vehicle
Other asset
#VALUE!
#VALUE!

-
0%

-
-

-
 -

#VALUE!
#VALUE!

#VALUE!
#VALUE!

#VALUE!
 Liability Breakdown

Saving accounts Housing loan

Investments Car loan
Fixed deposit Student loan
EPF Personal loan
Unit trust/ mutual funds
Housing property
Vehicle
Other asset
Housing loan
Car loan
Student loan
Personal loan

Current Net Worth (as of latest key-in)

Net Worth -
Asset -
Liability -

Cash Flow on Average

Average earning per month -
Average saving rate 0%

Net worth growth rate

Current Net Worth -
Net worth growth rate 0%
Net Worth
Tracker

Year

Month Start
Month End

2026 Total %

- 0%
- 0%
- 0%
- 0%
Asset
- 0%
- 0%
- 0%
- 0%
Total asset - 0%
Change in total asset #VALUE!

- 0%
- 0%
- 0%
Income
- 0%
- 0%
- 0%
Total income - 0%
Saving rate (%) 0% -

- 0%
- 0%
Liability
- 0%
- 0%
Total liability - 0%
Change in total liability -

- 0%
- 0%
- 0%
Investment
- 0%
- 0%
- 0%
Total Investment -

Outflow
 - 0%
- 0%
- 0%
Outflow - 0%
- 0%
- 0%
Expenditure - 0%
- 0%
- 0%
- 0%
- 0%
- 0%
- 0%
Total Expenditure -

Net worth -
Net worth growth rate 0%

Total Assets

Personal Accounts
Maybank Savings Account
CIMB Bank Savings Account
Public Bank Savings Account
Wise Cash
[Spare]
[Spare]
[Spare]
Total Personal Accounts

Investment
Moomoo
ASB/ ASNB
SSPN
[Spare]
[Spare]
[Spare]
[Spare]
Total Fixed deposit

Fixed Deposit
Fixed Deposit 1
Fixed Deposit 2
Fixed Deposit 3
Fixed Deposit 4
[Spare]
[Spare]
[Spare]
Total Fixed deposit

Exchange rate (If foreign currency appli

USD
SGD
[Spare]
[Spare]

Notes

Version 1.0
1. For detailed breakdown of cashflow, refer row 66 to 99
2. Only cell with "this" fill colour requires a manual input, otherwise considered formularised
3. Manual key in of year number in cell B8 is required
 2026 2026 2026 2026

1 Jan 2026 #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE!

Jan Feb Mar Apr

Saving accounts #VALUE! #VALUE! #VALUE! #VALUE!

Investments #VALUE! #VALUE! #VALUE! #VALUE!
Fixed deposit #VALUE! #VALUE! #VALUE! #VALUE!
EPF
Unit trust/ mutual funds
Housing property
Vehicle
Other asset
Total asset #VALUE! #VALUE! #VALUE! #VALUE!
Change in total asset #VALUE! #VALUE! #VALUE!

Salary
Bonus
Dividend
Rental income
Freelance
Other revenue
Total income - - - -
Saving rate (%) 0% 0% 0% 0%

Housing loan
Car loan
Student loan
Personal loan
Total liability - - - -
Change in total liability - - -

Moomoo
ASB/ ASNB
EPF (voluntary contribution)
Investment 1
Investment 2
Investment 3
- - - -
Housing loan
Car loan
Rental
Water bill
Electricity bill
Internet bill
Insurance
Food & groceries
Transportation (petrol, parking, toll)
Shopping
Social/ Travel
Gift
Others
Total Expenses - - - -

#VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE!

RM
SGD
RM
RM
RM
RM

RM #VALUE! #VALUE! #VALUE! #VALUE!

USD
RM
RM
USD
SGD
RM
 RM #VALUE! #VALUE! #VALUE! #VALUE!

RM
RM
RM
RM
RM

RM #VALUE! #VALUE! #VALUE! #VALUE!

e considered formularised
 2026 2026 2026 2026 2026 2026 2026

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

May June July Aug Sep Oct Nov

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

- - - - - - -
0% 0% 0% 0% 0% 0% 0%

- - - - - - -
- - - - - - -

- - - - - - -
 - - - - - - -

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

 2026

#VALUE!
#VALUE!
Asset Breakdown

Dec

#VALUE!
#VALUE!
Saving accounts
#VALUE! Investments
Fixed deposit
EPF
Unit trust/ mutual fu
Housing property
Vehicle
Other asset
#VALUE!
#VALUE!

-
0%

-
-

-
 -

#VALUE!
#VALUE!

#VALUE!
#VALUE!

#VALUE!
 Liability Breakdown

Saving accounts Housing loan

Investments Car loan
Fixed deposit Student loan
EPF Personal loan
Unit trust/ mutual funds
Housing property
Vehicle
Other asset
Housing loan
Car loan
Student loan
Personal loan

Current Net Worth (as of latest key-in)

Net Worth -
Asset -
Liability -

Cash Flow on Average

Average earning per month -
Average saving rate 0%

Net worth growth rate

Current Net Worth -
Net worth growth rate 0%
Net Worth
Tracker

Year

Month Start
Month End

2027 Total %

- 0%
- 0%
- 0%
- 0%
Asset
- 0%
- 0%
- 0%
- 0%
Total asset - 0%
Change in total asset #VALUE!

- 0%
- 0%
- 0%
Income
- 0%
- 0%
- 0%
Total income - 0%
Saving rate (%) 0% -

- 0%
- 0%
Liability
- 0%
- 0%
Total liability - 0%
Change in total liability -

- 0%
- 0%
- 0%
Investment
- 0%
- 0%
- 0%
Total Investment -

Outflow
 - 0%
- 0%
- 0%
Outflow - 0%
- 0%
- 0%
Expenditure - 0%
- 0%
- 0%
- 0%
- 0%
- 0%
- 0%
Total Expenditure -

Net worth -
Net worth growth rate 0%

Total Assets

Personal Accounts
Maybank Savings Account
CIMB Bank Savings Account
Public Bank Savings Account
Wise Cash
[Spare]
[Spare]
[Spare]
Total Personal Accounts

Investment
Moomoo
ASB/ ASNB
SSPN
[Spare]
[Spare]
[Spare]
[Spare]
Total Fixed deposit

Fixed Deposit
Fixed Deposit 1
Fixed Deposit 2
Fixed Deposit 3
Fixed Deposit 4
[Spare]
[Spare]
[Spare]
Total Fixed deposit

Exchange rate (If foreign currency appli

USD
SGD
[Spare]
[Spare]

Notes

Version 1.0
1. For detailed breakdown of cashflow, refer row 66 to 99
2. Only cell with "this" fill colour requires a manual input, otherwise considered formularised
3. Manual key in of year number in cell B8 is required
 2027 2027 2027 2027

1 Jan 2027 #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE!

Jan Feb Mar Apr

Saving accounts #VALUE! #VALUE! #VALUE! #VALUE!

Investments #VALUE! #VALUE! #VALUE! #VALUE!
Fixed deposit #VALUE! #VALUE! #VALUE! #VALUE!
EPF
Unit trust/ mutual funds
Housing property
Vehicle
Other asset
Total asset #VALUE! #VALUE! #VALUE! #VALUE!
Change in total asset #VALUE! #VALUE! #VALUE!

Salary
Bonus
Dividend
Rental income
Freelance
Other revenue
Total income - - - -
Saving rate (%) 0% 0% 0% 0%

Housing loan
Car loan
Student loan
Personal loan
Total liability - - - -
Change in total liability - - -

Moomoo
ASB/ ASNB
EPF (voluntary contribution)
Investment 1
Investment 2
Investment 3
- - - -
Housing loan
Car loan
Rental
Water bill
Electricity bill
Internet bill
Insurance
Food & groceries
Transportation (petrol, parking, toll)
Shopping
Social/ Travel
Gift
Others
Total Expenses - - - -

#VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE!

RM
SGD
RM
RM
RM
RM

RM #VALUE! #VALUE! #VALUE! #VALUE!

USD
RM
RM
USD
SGD
RM
 RM #VALUE! #VALUE! #VALUE! #VALUE!

RM
RM
RM
RM
RM

RM #VALUE! #VALUE! #VALUE! #VALUE!

e considered formularised
 2027 2027 2027 2027 2027 2027 2027

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

May June July Aug Sep Oct Nov

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

- - - - - - -
0% 0% 0% 0% 0% 0% 0%

- - - - - - -
- - - - - - -

- - - - - - -
 - - - - - - -

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

 2027

#VALUE!
#VALUE!
Asset Breakdown

Dec

#VALUE!
#VALUE!
Saving accounts
#VALUE! Investments
Fixed deposit
EPF
Unit trust/ mutual fu
Housing property
Vehicle
Other asset
#VALUE!
#VALUE!

-
0%

-
-

-
 -

#VALUE!
#VALUE!

#VALUE!
#VALUE!

#VALUE!
 Liability Breakdown

Saving accounts Housing loan

Investments Car loan
Fixed deposit Student loan
EPF Personal loan
Unit trust/ mutual funds
Housing property
Vehicle
Other asset
Housing loan
Car loan
Student loan
Personal loan

Current Net Worth (as of latest key-in)

Net Worth -
Asset -
Liability -

Cash Flow on Average

Average earning per month -
Average saving rate 0%

Net worth growth rate

Current Net Worth -
Net worth growth rate 0%
 Year
2025 2026
Total asset (RM) - -
Total liabilities (RM) - -
Total Net worth (RM) - -

Total Asset (RM)

1

2025
2026
1 2027

-
2025 2026 2027
ar
2027
-
-
-

Total Liabilities (RM)

1

2025 2025
2026 2026
2027 1 2027

-
27 2025 2026 2027
 Total Net Worth (RM)
1

2025 2025
2026 2026
2027 1 2027

-
27 2025 2026 2027
2025
2026
2027
Net Worth
Tracker

Year 2025 2025 2025 2025 2025 2025 2025 2025 2025 2025 2025 2025

Month Start 1 Jan 2025 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
Month End #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
Asset Breakdown Liability Breakdown Net Worth (RM)
1
2025 Total % Jan Feb Mar Apr May June July Aug Sep Oct Nov Dec

- 0% Saving accounts #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
- 0% Investments #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
Saving accounts Housing loan
- 0% Fixed deposit #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! Investments Car loan
100,000 16% EPF 100,000 100,000 100,000 100,000 100,000 Row 60
Asset Fixed deposit Student loan
5,000 1% Unit trust/ mutual funds 5,000 5,000 5,000 5,000 5,000 1
EPF Personal loan
500,000 78% Housing property 500,000 500,000 500,000 500,000 500,000 Unit trust/ mutual funds
35,000 5% Vehicle 35,000 35,000 35,000 35,000 35,000 Housing property
Other asset Vehicle
Total asset Total asset Other asset
640,000 100% #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
Change in total asset #VALUE! Change in total asset #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

-
40,000 82% Salary 8,000 8,000 8,000 8,000 8,000 Jan Feb Mar Apr May June July Aug Sep Oct Nov Dec
8,000 16% Bonus 8,000
600 1% Dividend 300 300
Income
- 0% Rental income
- 0% Freelance
- 0% Other revenue
Total income 48,600 100% Total income 8,300 16,000 8,300 8,000 8,000 - - - - - - -
Saving rate (%) 31% 9,720 Saving rate (%) 30% 34% 40% 26% 26% 0% 0% 0% 0% 0% 0% 0%

392,000 89% Housing loan 400,000 398,000 396,000 394,000 392,000 Total Asset (RM) Total Liabilities (RM) Current Net Worth (as of latest key-in)
46,400 11% Car loan 50,000 49,100 48,200 47,300 46,400
Liability 1 500,000
- 0% Student loan Net Worth -
- 0% Personal loan 450,000 Asset 640,000
Total liability 438,400 100% Total liability 450,000 447,100 444,200 441,300 438,400 - - - - - - - 400,000 Liability 438,400
Change in total liability (11,600) Change in total liability (2,900) (2,900) (2,900) (2,900) - - - - - - -
350,000
2,500 49% Moomoo 500 500 500 500 500 300,000 Cash Flow on Average
Total asset Total liability
600 12% ASB/ ASNB 200 200 200 Average earning per month 9,720
1 250,000
- 0% EPF (voluntary contribution) Average saving rate 31%
Investment
- 0% Investment 1 200,000
2,000 39% Investment 2 2,000 150,000
- 0% Investment 3 Net worth growth rate
100,000
Total Investment 5,100 700 500 2,700 500 700 - - - - - - - Current Net Worth -
10,000 30% Housing loan 2,000 2,000 2,000 2,000 2,000 50,000 Net worth growth rate 0%
4,500 14% Car loan 900 900 900 900 900 - -
Jan Feb Mar Apr May June July Aug Sep Oct Nov Dec Jan Feb Mar Apr May June July Aug Sep Oct Nov Dec
- 0% Rental
Outflow 228 1% Water bill 50 52 39 40 47
520 2% Electricity bill 120 100 80 130 90
500 2% Internet bill 100 100 100 100 100
Expenditure 1,000 3% Insurance 200 200 200 200 200 Saving Rate (%) Total Expenses (RM)
4,940 15% Food & groceries 800 1,050 980 880 1,230 45% 12,000
2,230 7% Transportation (petrol, parking, toll) 500 300 450 500 480
40%
1,300 4% Shopping 250 300 200 400 150
10,000
5,500 17% Social/ Travel 400 4,500 400 200 35%
300 1% Gift 300
30% 8,000
2,180 7% Others 500 800 380 500
Total Expenditure 33,198 Total Expenses 5,820 10,602 4,949 5,930 5,897 - - - - - - - 25% Saving rate (%) Total Expenses
6,000
20%
Net worth - #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 15% 4,000
Net worth growth rate 0% #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
10%
2,000
5%

0% -
Jan Feb Mar Apr May June July Aug Sep Oct Nov Dec Jan Feb Mar Apr May June July Aug Sep Oct Nov Dec

Total Assets

Personal Accounts
Maybank Savings Account RM 10,000 10,000 10,000 10,000 10,000
CIMB Bank Savings Account SGD 5,000 5,000 5,000 5,000 5,000
Public Bank Savings Account RM 10,500 10,500 10,500 10,500 10,500
Wise Cash RM 5,000 5,000 5,000 5,000 5,000
[Spare] RM 2,000 2,000 2,000 2,000 2,000
[Spare] RM
[Spare]
Total Personal Accounts RM #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

Investment
Moomoo USD 12,000 12,151 11,900 13,050 12,980
ASB/ ASNB RM 15,000 14,800 15,870 15,900 15,100
SSPN RM 6,000 5,050 5,100 5,090 5,105
[Spare] USD
[Spare] SGD
[Spare] RM
[Spare]
Total Fixed deposit RM #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

Fixed Deposit
Fixed Deposit 1 RM 20,000 20,000 20,000 20,000 20,000
Fixed Deposit 2 RM 50,000 50,000 50,000 50,000 50,000
Fixed Deposit 3 RM 30,000 30,000 30,000 30,000 30,000
Fixed Deposit 4 RM
[Spare] RM
[Spare]
[Spare]
Total Fixed deposit RM #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

Exchange rate (If foreign currency applie

USD 4.500 4.460 4.470 4.380 4.560
SGD 3.500 3.500 3.500 3.500 3.500
[Spare]
[Spare]

Notes

Version 1.0
1. For detailed breakdown of cashflow, refer row 66 to 99
2. Only cell with "this" fill colour requires a manual input, otherwise considered formularised
3. Manual key in of year number in cell B8 is required