The MoneySense complete financial plan kit

All the tools you need to create your own financial plan in 11 easy steps

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planner_322Below are 10 worksheets that will allow you to prepare your own professional-quality personal financial plan. You can download each one as a PDF to print out and fill in with pencil or pen, or you can download them as Microsoft Word files, and fill them in on your computer.

Complete instructions for using these worksheets to create your own financial plan can be found on page 46 of the September/October 2011 issue of MoneySense magazine, in the story “11 steps to financial freedom.

Worksheet 1 – Prioritize your goals PDF Word

Worksheet 2 – Gather your documents PDF Word

Worksheet 3a – Your detailed net worth statement PDF Word

Worksheet 3b – Your summary net worth statement PDF Word

Worksheet 4 – Your spending and savings PDF Word

Worksheet 5 – Your life and financial goals PDF Word

Worksheet 6 – Your top three goals PDF Word

Worksheet 7 – How you are currently invested PDF Word

Worksheet 8 – Which investments are right for you PDF Word

Worksheet 9 – Your financial plan PDF Word

Worksheet 10 – Your investment policy statement PDF Word

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15 comments on “The MoneySense complete financial plan kit

  1. Why not ZIP these files in to one folder?

    Reply

  2. The files would be best in excel format so that it is easy to fill and update them?
    The current word files are not very user friendly.

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  3. I disagree with step 3 – Track your spending
    * The worksheet provided does NOT calculate your savings. It does not distinguish between cash outflows for expenses vs savings. This is a mistake made by every single 'expert' I have read.
    * The article never tells people to devise a record-keeping system of some sort that will allow you to tally-up your actual expenditures at year-end. As a result they essentially tell people to create a cash-flow statement based on 'what-I-think-I-spent'.
    * There is no integration between what should be the Income Statement and the Net Worth statement. It does not allow you to see whether big purchases were saved-for-before-hand, etc.
    * See how it should be done http://www.retailinvestor.org/budget.html

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  4. the article says there is 10 woorksheets? I only see 8 above?
    Where are the last 2?

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  5. All I can see are Worksheet 6 to 8, where are worksheets 1-5, worksheet #1 is the one that I want. Please maintain your website and fix this. I am a moneysense subscriber. Agree with other folks, these shoudl be excel worksheets so that they are easier to use. I say you missed the mark, very disappointing.

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  6. i am unable to open the word version – it says "go to this address" – whats wrong?

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    • Hi Seth,

      When you click on the link, a pop up should open up prompting you to download the word version. If it's not popping up, it might be because you have adblocker on.

      Meanwhile the PDF versions send you straight to an address.

      Reply

  7. The current version is not user friendly. It would work better if it has excel format so can fill it and keep update.

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  8. Thanks allot for this. It is going to be very helpful for the new year as I am going to plan everything that has anything to do with finance. Is it possible to get them in Excel format?

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  9. Ok, I'm completely lost. I can't find that article anywhere in the magazine. All I have on page 46 is advertisement for the magazine. And that right in the middle of the "Canada's Best Credit Cards" article. Help!!!

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    • Hi Stephane, page 46 refers to a 2011 issue of the mag. Sorry about that and thanks for reading.

      Reply

      • Thanks Stefania, I was able to find it on your site after a seach on Google. I wasn't subscribde to the magazine in 2011 and that's why I didn't know about the original article.

        Stephane

        Reply

  10. I would like an expert comment on the following. All of these type articles always give equal value as an asset to homes compared to RRSP’s. Is it not true however that if you have a $400,000.00 home it is worth $400,000.00, A $400,000.00 RRSP is actually worth more like $280,000.00 as there is tax owing on it? Then again RRSP does note require ongoing maintenance or being subject to property tax

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  11. How can you calculate the value of a pension plan when preparing a net worth statement ?

    Reply

  12. I realize that this has not been updated for several years, but I echo some previous comments in suggesting that these be available as spreadsheet files. Ideally formatted to be compatible with google sheets, so that my husband and I can collaborate on the documents.

    Reply

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