FAQ

Welcome to Planago!

Congratulations, you've started planning your finances.

  • 1. On the left you can see your goals and your financial situation into distant future. Yellow line shows your cash, green area shows your wealth and red line shows how much loans you have in different times.
  • 2. Next you should add your income, expenses and your housing situation into Planago. If you have other assets like e.g. car you can add those into service by clicking the wealth icon. After adding your own information you will have a better overall understanding of your current finances.
  • 3. After adding your own information you should click the icon in the graph. Now you can quickly test when you are able to reach your goal.
  • 4. You can also test with our Risk tester how various types of changes in your finances could affect your situation.
  • 5. Financial Certificate will give you an overview of your financial situation.
  • 6. Remember to save you information into service so that you can come back and make changes easily.
  • We hope that Planago will help you to make better financial decisions in the future

Adjust your income and expenses!

Income
Expenses
Difference 0€
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Know your personal finances better and achieve your goals with PLANAGO!

Planago is a financial planning solution that quickly shows how financial decisions made today will affect your life in the future.

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Planago is a great media for many companies.

Contact sales@planago.com and we will tell you more about our media products.

Information of Planago

Planago is a finnish service that helps you to plan your finances and big purchases.

Goal

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Request for an offer will only be sent to those companies that you have selected.
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1 year
50 years
Monthly income i
Next
Monthly expenses i
Next
Try to keep the difference above zero
Difference
0
Done
Own monthly income i
Net
Tax %
Gross
Spouse's monthly income i
Net
Tax %
Gross
Capital monthly income i
Net
Tax %
Gross
Other monthly income i
Net
Total monthly income
Done

Expenses

Distribution of expenses i
 
Loans
Other expenses
0 €
0 €
0 €
0 €
- Vehicles
0
0
- Real estate
0
0
- Real estate investments
0
0
Other mandatory expenses i
Estimate of your expenses
Monthly total expenses
Done

People's average mandatory expenses per month are about

700 € - 1 person's in the household
1100 € - 2 person's in the household
1500 € - 3 person's in the household
1900 € - 4 person's in the household
2300 € - 5 person's in the household
2700 € - 6 person's in the household

This estimate includes expenses related to food, clothing, household appliences, household communication services, health care and hobbies.

Estimate is based on Finnish National Consumer Research Center's research, which was done in 2013.

Fill in your net income.
Fill in your all of your expenses.
After you filled in expenses related to your housing and wealth they will be automatically added into this section.
Other mandatory expenses include expenses related to food, clothing, hobbies, communication etc.
Not in use - Huvittelu ja luksus.
Planago calculates automatically your net income after you have typed in your gross income.
Other income includes payments like child benefits and other social benefits that your receive every month.
Capital income can be typed in the wealth section.
In income and expenditure section you can quickly build yourself a budget.
My home is..
1/2 Back
ZIP code i
ZIP code i
m2 i
m2 i
# of rooms i
# of rooms i
Value i
Rent and expenses i
Housing expenses i
2/3 2/2 Back Done Continue
Remainder
Interest %
Monthly payment
3/3 Back Done
Zip code will help us to give an estimate of the value of your house.
Zip code will help us to send your contact request only to those partners who are located near you.
value of the house shown is our price estimate based on similar houses in your area. You can also give here your own estimate of the price of your house.
By giving the size of your house we can give you an estimate of the value of your house.
Here we can give you an estimate of how much room your family needs in the future.
By giving us the number of the rooms we can give you a more specified price estimate.
Not in use
This cost includes water, electricity, parking spot, home insurance and other monthly expenses that are tied to your home.
This cost includes rent, water, electricity, parking spot, home insurance and other monthly expenses that are tied to your home.
Choose either rental or ownership housing as your current housing situation. All information that you fill in will automatically become part of you expenses.
Current Cash i
Add more assets that you own
Vehicle
Real estate
Funds
Real estate investments
Done
Here you can fill in the amount that you have in your bank account at the moment.
In wealth section you can easily add all expenses related to your vehicles, real estate, and investments.
Planned assets i
Removed assets i
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All items listed underneath are active in your plan. You can modify them by double clicking selected item.
All items listed underneath are not active in your plan anymore. You can activate selected item by double clicking it.
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Type your actual yearly interest rate into this field.
Select the above options the purchase or goal that best describes your purpose

Drag the icon of the timeline!
Select the above options the purchase or goal that best describes your purpose

Drag the icon of the timeline!
Residence change will help you in planning you next move into a new place.
Renovation helps you to plan various types of renovations into your home.
Vehicle can be used while planning to purchase a car, boat or any other kind of motor vehicle.
Spending is an extra expense like e.g. vacation that requires financial planning .
Extra cash is an extra income that you will receive from somewhere. It can also be an extra expense that you need to save for.
Change of income helps you to simulate what happens if your income changes.
Real estate can be a summer cottage, a lot or any other kind of real estate that you own.
Real estate investment is used when you are planning on investing into real estate that will generate you also some extra income.
Stocks and funds help you to plan your investments.
Liquidity risk shows how much your expenses are from your income.
Capital risk measures how much household liabilities are from household assets in a given month.
Interest risk measures how much your interest expenses are from your income.
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By saving your information into the service you can access your plan quickly next time

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Financial certificate

Overview of your finances

Date: 20.3.2034

Income

Income/mo
My income 4000 €/mo
Spouses income0 €/mo
Other income0 €/mo
Capital income:
Stocks and funds0 €/mo
Rent and real estate0 €/mo
0 €/mo

Expenses

Expenses/mo Loans/mo
My income tax0 €/mo
Spouses income tax0 €/mo
Capital gains tax0 €/mo
Housing0 €/mo0 €/mo
Vehicles0 €/mo0 €/mo
Real estate0 €/mo0 €/mo
Real estate investments0 €/mo0 €/mo
Mandatory expenses0 €/mo
0 €/mo
Expenses/mo Total 0
Capital income 0 €/mo
You can get capital income from your investments. When capital income goes above your monthly expenses you are financially independendent.
Your capital income is above your monthly expenses. Congratulations! You are financially independent.

Liquidity risk

Interest rate risk

capital risk

Income/mo Total 0
Expenses/mo Total -0
Balance/mo 0 €/mo
The goal for your savings in your bank account 0
Current level of savings in your bank account 0
The goal is to have savings in the bank account that equal to three months of your expenses.
Savings in your bank account exceed three months of your expenses. Consider of making investments.

Wealth

0
Cash in the bank account 0
Housing 0
Vehicles 0
Real estate 0
Stocks and funds 0
Investment property 0

Loans

0
Housing loans 0
Loans for real estate 0
Loans for vehicles 0
Löans for investment properties 0

How to interpret this report

All numbers in this report are based on the information that you have given to the service. Remember first to verify that your income and expenses are correct. After that make sure that you have added all of your owned wealth items and loans into Planago.

Passive income

Passive income is listed as a separate item because it helps you to become less dependent of your earned income. This increases your financial independence.

Savings goal in the bank account

It is recommended that you have savings in your bank account that equal to three months worth expenses. This reduces the risk that you have to finance sudden expenses with expensive consumer credit loans.

Risks

Trafic lights show how high are the most common risks in your finances.

Small level of risk

Medium level of risk

High level of risk

Liquidity risk

Liquidity risk shows how high your expenses are compared to your income at the moment. High liquidity risk means that your monthly budget can easily become negative if there are sudden expenses.

Equity risk

Equity risk measures how high your debts are compared to your assets. High equity risk can be problematic if the value of your assets suddenly decrease sharply. This can create a situation where your debt is above your wealth.

Interest rate risk

Interest rate risk measures how high your loans interest payments are compared to your monthly cash surplus. High interest rate risk can be problematic if interest rates rise rapidly.

How can we simulate your financial future?

Simulation of your financial future is based on historical data which measures how various things have changed over the last decades. This gives us a solid foundation where we can base our estimates. The biggest reason why wealth doesn't increase as expected is that when income goes up also expenses increase at the same rate.

More in detailed report of your finances

Date: 20.3.2034

Income

Income/mo
My income 4000 €/mo
Spouses income0 €/mo
Other income0 €/mo
Passive income:
Interest income and dividents0 €/mo
Housing and real estate0 €/mo
Total 0 €/mo

Expenses

Expenses/mo Loans/mo
My income tax0 €/mo
Spouses income tax0 €/mo
Capital gains tax0 €/mo
Housing0 €/mo0 €/mo
Vehicles0 €/mo0 €/mo
Real estate0 €/mo0 €/mo
Real estate investments0 €/mo0 €/mo
Mandatory expenses0 €/mo
0 €/mo 0 €/mo
Total 0 €/mo

Wealth

Forecast 2019 (+5 years) Change
Cash in the bank account0
Housing0
Vehicles
Real estate
Stocks and funds
Investment property
Total 0 0

Loans

Forecast 2019 (+ 5year)
Housing loans0
Vehicle loans
Real estate loans
Investment property loans
Total 0 0

Purchases and goals

Date Price Self-financing Loan Loan/mo
Vehicles
Summer house and real estate property
Renovation
Spending items
Change of residence
Stocks and fundsDateTarget amount of investmentExpected return of investmentLoanLoan/mo
Real estate investmentsDatePriceSelf-financingLoanNet income/mo
Change of incomeDateNew gross income
Extra income or expensesDateAmount

Future

By staying in this plan and implementing the goals in it your wealth will increase as follows
Your wealth (30.3.2014):
+5 years 0
+10 years 0
+20 years 0
+30 years 0
Cash
Wealth
Loans

You should not make financial decisions solely based on Planago.

RealMatch Invest Oy recommends that you talk with financial experts before making big investment decisions.

RealMatch Invest Oy is not responsible for any financial decisions that are made by using Planago service

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