Personal Financial Statement Template (Excel)

What is in this template

One sheet called Statement plus a How to use tab. It puts everything you own and owe, and what you earn and spend each year, on one printable page.

Statement

Enter your name and the as-of date. List eight asset lines on the left and eight liability lines on the right. Total assets, total liabilities and net worth are calculated, along with the debt-to-asset ratio, liquid assets (cash and savings) and how many months of expenses those liquid assets would cover. A lower block holds yearly income and yearly expenses, with the annual surplus or shortfall and the savings rate. A small chart compares assets, liabilities and net worth.

How to use

Steps with a link back to the sheet.

The sample data

The sample shows made-up figures. Assets total $417,000 and liabilities total $214,100, so net worth is $202,900. The debt-to-asset ratio is 51.3 percent. Liquid assets of $24,500 cover about 6.2 months of the $47,800 annual expenses. Income of $84,900 against expenses of $47,800 gives a surplus of $37,100, a savings rate of 43.7 percent.

How to use it

1. Type your name and the date.
2. List what you own at today’s value and what you owe at today’s balance.
3. Enter yearly income and yearly expenses.
4. Read net worth, the debt-to-asset ratio and the months covered.
5. Update it once or twice a year and compare.

Tips

• Use values you can support, such as a statement or a recent appraisal.
• Value a home at a realistic market price, not what you hope for.
• Include every debt, even small ones.
• Lenders may ask for their own form. This sheet gives you the numbers to fill it in.

Frequently asked questions

More free tools: All free calculators · Budget template for Excel · Emergency fund calculator · How to create a personal financial statement