Managing Surplus Contributions in Asset-Map’s Target-Map
The Target-Map module in Asset-Map is a powerful tool for assessing funding for financial goals. This article explains how surplus contributions is handled in a Target-Map and offers guidance on calculating and customizing surplus contributions.
How Target-Map Handles Annual Net Surplus
When surplus (unallocated) income is identified in a Target-Map, it is automatically assumed to be saved and grows at your assumed rate of return from today. The savings is shown on the Cash Flow Details page in the "Net Savings and Withrdrawal" column.
Calculating Monthly Surplus Contributions in Retirement Target-Map
The monthly surplus contributions figure in the Retirement Target-Map represents the surplus available for financial planning, expressed as a monthly amount. It is calculated as follows:
Take the total surplus shown in the Target-Map (Present Capital Surplus).
Divide this amount by the "duration of contributions." - The duration of contributions refers to the period from today until the start date of the expenses listed under the "What You Want" section.
This calculation estimates how much surplus is available per month for the remainder of the duration of contribution period. If the Target-Map indicates a deficit instead of a surplus, this same calculation can determine how much additional savings would be required monthly to achieve 100% funding for your retirement plan.
Key Takeaways
Surplus contributions in Asset-Map is automatically allocated to savings unless specifically redirected using the "What You Want" tab.
Monthly surplus contributions provide a clear picture of surplus distribution over your contribution period, aiding in financial planning.
Managing surplus effectively allows for better alignment with financial goals and plans for retirement.
12/2025