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PREPARED FOR: DATE: / /
Personal Cash-Flow Statement
You’ll Need:
p Most recent paycheck. (If your
salary is variable, because
you’re self-employed or work on
a commission basis, use an
average of your pay over the
past 6–12 months.)
p Statements showing income
from income sources, such
as pensions, Social Security, or
savings/investment interest
p Most recent bank and
investment statements
p Most recent credit card
statement(s)
p Statements for other debts,
such as student or auto loans
p Most recent checking and
savings account statements
p A record of your discre-
tionary expenditures over the
past month
Salary (net: after taxes and benefits)
Spouse’s salary (net: after taxes and benefits)
Pension income
Social Security income
Interest/investment income
Other income (specify)
Other income (specify)
Other income (specify)
TOTAL: Monthly Income Amount
INCOME: MONTHLY AMOUNT
EXPENSES: MONTHLY AMOUNT
Fixed:
Mortgage or rent
Other real estate payments (taxes, assessments, etc.)
Auto loan
Student loan
Credit card payment
Utilities
Tuition
Child care
Food
Clothing
Other expenses (specify)
Other expenses (specify)
Other expenses (specify)
Other expenses (specify)