Family Ke Liye Complete Financial Planning Template
Family financial planning ek aisa system hai jo aapke पैसे, goals, needs aur future security ko organize karta hai. Middle-class families ke liye ye template ek ready-made structure deta hai jisse aap long-term stability, monthly budgeting aur future goals ko easily manage kar sakte ho.
Is template ko follow karke koi bhi family apna financial life discipline ke saath set kar sakti hai—chahe income 20,000 ho ya 1 lakh. Ye practical, simple aur real-life India-based planning guide hai.
1. Family Income Tracking Template (Monthly + Annual)
Financial planning ka base hota hai — clear income tracking.
Aapko sirf ek simple format maintain karna hai:
Monthly Income Sources:
- Primary salary / business income
- Secondary income (spouse earning)
- Extra earning (overtime, commission, project work)
- Passive income (rent, interest, dividends)
Template Example:
- Husband Income: ₹25,000
- Wife Income: ₹18,000
- Side Income: ₹3,000
- Passive Income: ₹1,000
Total Monthly Income = ₹47,000
Annual Income = Monthly × 12
Ye clear income view planning ka first step hota hai.
2. Family Expense Structure Template (Fixed + Variable)
Har family ke kharche 2 parts me divide hote hain. Ye clarity aapko savings structure banane me help karti hai.
A. Fixed Expenses (Har Month Same)
- Rent/EMI
- School fees
- Insurance premium
- Internet + mobile bill
- Basic ration
- Transport pass
- Electricity & water minimum charges
Fixed expenses generally income ka 40–50% hota hai.
B. Variable Expenses (Month-to-month Change)
- Vegetables & fruits
- Medicine
- Petrol
- Festivals / events
- Eating out
- Shopping
- Household needs
- Gas cylinder
Variable expenses ko hi control kiya ja sakta hai.
Template Format:
- Fixed Expenses: ₹18,000
- Variable Expenses: ₹12,000
Total Monthly Expenses = ₹30,000
3. Savings & Investment Template
Ek strong family planning tab hi complete hoti hai jab savings structure ordered ho.
Savings ko 3 parts me divide karna sabse smart method hai:
A. Emergency Savings (Top Priority)
- Goal: 3–6 months ka monthly expense
- Keep in: Savings account + FD + Liquid mutual fund
- Ideal monthly saving: Income ka 10–15%
B. Short-Term Savings (1–3 Years Goals)
- Vacation
- New phone
- House painting
- Festival budget
- School uniform + books fund
Keep in: RD, Flexi FD, Short-term mutual funds.
C. Long-Term Investment (5+ Years)
- Child education
- Retirement
- Home purchase
- Car purchase
- Wealth creation
Investment options:
- SIP Mutual Funds
- Index Funds
- NPS
- PPF
- Gold Funds
Template Example:
- Emergency Fund: ₹3,000/month
- Short-Term Savings: ₹2,000/month
- Long-Term SIP: ₹4,000/month
Total Savings = ₹9,000/month
4. Debt Management Template (Loan + EMI)
Agar family ke paas loan hai to planning template me ye section mandatory hota hai.
Loan Information Template:
- Loan type
- EMI amount
- Interest rate
- Remaining tenure
- Total outstanding
Loan Priority Rule:
- Highest interest loan pehle close karo (credit card, personal loan)
- Low interest loan baad me (home loan, education loan)
- EMI = Monthly income ka max 30%
- Emergency fund bina EMI close karne ka attempt mat karo
Debt Example:
- Personal Loan EMI: ₹3,500
- Bike Loan EMI: ₹2,200
- Total EMI: ₹5,700
EMI Ratio = (5,700 / 47,000) × 100 ≈ 12% (Healthy)
5. Family Goal Planning Template
Yeh section family financial planning ka core hota hai.
Goals ko 3 category me divide karo — short, medium, long.
Short-Term Goals (0–1 Year)
- Festival spending
- Birthday/anniversary budget
- Small home improvements
- Appliances purchase
Medium-Term Goals (1–5 Years)
- Bike/car down payment
- Child’s small education expense
- Family vacation
- Family function
Long-Term Goals (5–20 Years)
- Child’s higher education
- Child’s marriage planning
- Retirement corpus
- House purchase
Har goal ke saath ye 4 cheezein likho:
- Goal amount
- Time period
- Monthly saving required
- Investment method
Example:
Child’s Higher Education Goal:
- Total Amount Needed: ₹10 lakh
- Time: 10 years
- Required SIP: ₹4,500 per month
6. Insurance Planning Template (Protection Planning)
Family ke liye financial safety bina insurance incomplete hoti hai.
A. Life Insurance (Term Plan)
- Ideal cover: 10–15× annual income
- Example: ₹50,000 income/month → 60 lakh to 1 crore cover
B. Health Insurance
- Minimum family floater: ₹5 lakh
- Add: Parents cover + maternity cover (if needed)
C. Personal Accident Insurance
- Compulsory for earning members
Insurance Template Format:
- Term plan: ₹1 crore
- Health cover: ₹5 lakh
- Accident cover: ₹20 lakh
- Premium: ₹1,800/month combined
Insurance = family ke liye safety wall hoti hai.
7. Emergency Planning Template
Emergency situations kabhi batake nahi aati, isliye solid structure zaruri hai.
Emergency Areas Include:
- Medical emergency
- Job loss
- Home repair
- Travel emergency
- Family health crisis
Emergency Fund Template:
- Monthly expense = ₹30,000
- Emergency fund needed = ₹90,000–₹1,80,000
- Monthly saving: ₹3,000–₹5,000
Emergency fund ko high liquidity wale account me rakho.
8. Monthly Budget Template (50–30–20 Model Indian Style)
Ye model family planning ke liye India me sabse smooth work karta hai.
50% – Needs (Essentials)
- Ration
- Rent/EMI
- Bills
- School fees
- Transport
- Medicine
30% – Wants (Lifestyle)
- Shopping
- Eating-out
- Entertainment
- Subscriptions
- Occasional travel
20% – Savings & Investments
- SIP
- RD
- Emergency fund
- Insurance premium
Example:
Monthly Income: ₹47,000
- Needs: ₹23,500
- Wants: ₹14,100
- Savings: ₹9,400
Ye balance family ko secure rakhta hai.
9. Annual Planning Template
Har saal ek baar family meeting karke annual planning karna bohot useful hota hai.
Is template me add karo:
- Annual school fees
- Insurance premium
- Festival budget
- Car/bike servicing
- House maintenance
- Vacation planning
- Medical checkups
Yearly expenses ko monthly divide karke save karo.
Example:
Yearly school fee: ₹24,000 → Monthly: ₹2,000 saving
Isse large payments stress-free ho jati hain.
10. Financial Review Template (Every 6 Months)
Financial planning ko update karna bhi planning ka part hi hota hai.
Half-yearly review me check karo:
- Income change
- Expenses change
- EMI close hui?
- New goals add hue?
- Savings % improve hua ya decrease?
- Emergency fund updated hai?
Review se financial planning always fresh aur inflation-proof rehta hai.
Final Template (Ready to Use Summary Table)
Family Financial Planning Template Checklist:
✔ Monthly income tracking
✔ Monthly expenses (fixed + variable)
✔ Savings plan
✔ Investment plan
✔ Emergency fund
✔ Debt management
✔ Short, medium, long-term goals
✔ Monthly structured budget
✔ Annual planning
✔ Half-yearly review
Ye template middle-class families ke liye ek strong financial roadmap provide karta hai.
Also Read :-
- Financial Planning Me Future Goals Ko Kaise Manage Kare
- Bad Investment Decision Lene Se Kaise Bache
- Unnecessary Subscription Kharch Se Kaise Bachein
Conclusion
Family ke liye complete financial planning ek baar ka kaam nahi hota, ye ek system hota hai jise monthly aur yearly update karna padta hai. Lekin agar aap ye template follow karte ho to:
- Stress-free budgeting
- Emergency security
- Future-ready planning
- Lifestyle stability
- Long-term wealth
sab achieve ho sakta hai.
