The 21 Codes of Wealth
Financial Planning Toolkit
True wealth is built through action. Use these official financial worksheets, investment calculators, and planning tools from The 21 Codes of Wealth to turn financial knowledge into real wealth creation.
Part 1 - The Foundation
1. Wealth Isn’t Just for the Rich
Worksheet & Excel
- Personal Wealth Mindset Assessment
- Current Net Worth Calculator
- Assets vs Liabilities Tracker
Net Worth Formula
Launch Calculator
2. The Middle-Class Money Trap
Worksheet & Calculator
- Lifestyle Inflation Tracker
- Income vs Expense Growth Sheet
- Salary Increase vs Savings Increase Comparison
Launch Calculator
3. Why Salary ≠ Security
Worksheet & Tool
- Income Dependency Risk Score
- Months you can survive without income
Emergency Fund ÷ Monthly Expenses
Launch Calculator
4. Climbing One Step at a Time
Worksheet & Tool
- Financial Goal Planning Sheet
- 5-Year Wealth Roadmap planner
Launch Planner
Part 2 — Financial Stability
5. The Spending Compass
Excel Calculator
- Monthly Budget Planner
- Income | Fixed | Variable | Savings
Launch Calculator
6. Pay Yourself First
Excel Calculator
- Savings Automation Calculator
- Income | Savings % | Monthly SIP
Launch Calculator
7. Living Today, Securing Tomorrow
Excel Calculator
- Emergency Fund Calculator
Monthly Expenses × 6 / 12 months
Launch Calculator
Part 3 — Investing
8. Start Investing (Know Nothing)
Excel Tool
- Beginner Investment Allocation Tool (Equity, Debt, Gold)
Launch Tool
9. Safe Starts, Smart Growth
Excel Calculator
- Risk Profiling Questionnaire (Conservative, Moderate, Aggressive)
Launch Assessment
10. Risk & Patience
Excel Tool
- Investment Volatility Simulator (5, 10, 20 year performance)
Launch Simulator
11. New-Age Options
Excel Sheet
- Investment Comparison Tool (Mutual Funds, Stocks, Gold, REIT, Bonds)
Launch Tool
12. Build Your First Portfolio
Excel Tool
- Portfolio Allocation Calculator
Equity 60% | Debt 30% | Gold 10%
Launch Calculator
Part 4 — Accelerating Wealth
13. Insurance Without Confusion
Excel Calculator
- Life Insurance Need Calculator
Income × 15 + Liabilities
Launch Calculator
14. Escape the EMI Trap
Excel Calculator
- EMI vs Investment Comparison (Interest paid & Opportunity cost)
Launch Tool
15. Winning the Tax Game
Excel Tool
- Income Tax Calculator (India)
- 80C | 80D | HRA | Capital gains
Launch Planner
16. The Compounding Edge
Excel Calculator
- Compound Interest Calculator
Future Value = P(1+r)^n
Launch Calculator
Part 5 — Wealth Lifestyle
Part 6 — Life & Money
20. Designing Life & Money Together
Worksheet
- Life Goals vs Financial Goals Planner
Launch Planner
Part 7 — Legacy
21. The Wealth Compass
Excel Tool
- Legacy Planning Sheet
- Assets | Nominees | Will planning
Launch Planner
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Includes a complete Excel toolkit (15 calculators), worksheet questions, and a QR code idea for readers.
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