Planning for a Major Purchase

Whether you want to purchase a house, a car, a boat or a plane, developing a strong investment plan and investment strategy is the first step toward meeting your goal.

You can utilize the following worksheet to see how well your current investment plan is working, then begin to refine your strategy accordingly to meet your goal.

After completing the Major Purchase Worksheet, take our Asset Allocation Quiz to determine the mix of stocks, bonds, and cash which may be appropriate for your portfolio.

Some tips for filling out the worksheet:

Input your data in today's (current) dollars. This calculator is designed to take into account the effects of inflation, so that you don't have to.
For some fields, we've provided default inputs – you are welcome to edit these if you wish.

Your Current Investments

Current assets allocated for major purchase

Additional monthly investment for major purchase

Increase monthly investment by rate of inflation?

Yes No

Anticipated rate of return for your investments

Household Information

Federal tax rate (see chart below for current rates)

State tax rate

Average annual rate of inflation

2013 Federal Income Tax Brackets and Rates

Single Return

Married Filing Jointly Return

Federal Tax Rate

$0 – $8,925

$0 – $17,850

10%

$8,925 – $36,250

$17,850 – $72,500

15%

$36,250 – $87,850

$72,500 – $146,400

25%

$87,850 – $183,250

$146,400 – $223,050

28%

$183,250 – $398,350

$223,050 – $398,350

33%

$398,350 – $400,000

$398,350 – $450,000

35%

Over $400,000

Over $450,000

39.6%

Major Purchase Goal

Anticipated year of purchase

Purchase price or down payment

(enter the dollar amount you would need for your purchase in current dollars)

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