Goals
1. Determine how much savings you plan to accumulate by various future points in time.
2. Estimate how much you will need to save each year in order to achieve your goals.
Analysis
1. For each goal you set, make the calculation using an interest rate that you believe
you can earn on your invested savings. (If your goal is to pay off debt, calculate the amount of interest you will pay.
How long will it take to repay if making the minimum payment only?) Then recalculate the amount you will need for each goal
based on a rate that is higher or lower (your choice) than your original rate (Alt Rate of Return).
Personal Financial Goals											Date of Analysis
Short-Term Goals											Note: PV formula assumes that each goal involves accumulating a single lump sum. Adjust formulas if necessary.
									Goal	Rate	PV		Goal	Rate	PV
									ST1	0.8%	$0		ST1	1.8%	$0
									ST2	0.8%	$0		ST2	1.8%	$0
									ST3	0.8%	$0		ST3	1.8%	$0
									Sum		$0		Sum		$0
Medium-Term Goals
									Goal	Rate	PV		Goal	Rate	PV
									MT1	2.0%	$0		MT1	3.0%	$0
									MT2	3.0%	$0		MT2	4.0%	$0
									MT3	2.0%	$0		MT3	3.0%	$0
									Sum		$0		Sum		$0
Long-Term Goals
									Goal	Rate	PV		Goal	Rate	PV
									LT1	8.0%	$0		LT1	10.0%	$0
									LT2	6.0%	$0		LT2	8.0%	$0
									LT3	8.0%	$0		LT3	10.0%	$0
									Sum		$0		Sum		$0
Personal Financial Goals
				Dollar	Rate of	Priority		Alt Rate
Financial Goal				Amount	Return	(Low, Medium, High)		of Return
Short-Term Goals
1.	0			$0	0.8%	0		1.8%
2.	0			$0	0.8%	0		1.8%
3.	0			$0	0.8%	0		1.8%
				$0
Medium-Term Goals
1.	0			$0	2.0%	0		3.0%
2.	0			$0	3.0%	0		4.0%
3.	0			$0	2.0%	0		3.0%
				$0
Long-Term Goals
1.	0			$0	8.0%	0		10.0%
2.	0			$0	6.0%	0		8.0%
3.	0			$0	8.0%	0		10.0%
				$0