Personal Cash Flow Statement
vspell818
PersonalCashFlowStatement1.xlsxGuide
| PERSONAL CASH FLOW | |||||||||||
| This workbook has annual, monthly and daily cash flow worksheets. Choose the cash flow type that works best for you or use them all to help gain insight on your personal cash flow. | |||||||||||
| Daily Cash Flow | Monthly Cash Flow | Annual Cash Flow | |||||||||
| Enter an estimated amount of cash flow you experience daily and review the estimated monthly and annual totals. Use this to get a sense of what your daily spending habits will look like over the course of a month or year. | Enter the monthly cash flow you experience monthly or estimate the remaining months to see the projected cash flow for the year for each month. | Enter an annual cash flow amount in four worksheets: Income, Expenses, Discretionary, and Savings. See the monthly break down and how everything compares, and most importantly what your bottom line is in both annual and monthly figures. |
GUIDE
/xl/drawings/drawing1.xml#Guide!A1DAILY CASH FLOW
/xl/drawings/drawing1.xml#'Daily%20Cash%20Flow'!A1ANNUAL CASH FLOW
/xl/drawings/drawing1.xml#'Annual%20Cash%20Flow'!A1MONTHLY CASH FLOW
/xl/drawings/drawing1.xml#'Monthly%20Cash%20Flow'!A1Daily Cash Flow
| PERSONAL CASH FLOW | |||||
| Total Available Cash: | $577.84 | NOTE: If you wish to add daily items to the Table, estimate their monthly amount/value and place value in the appropriate month column. | |||
| DAILY SUMMARY | |||||
| Totals | Daily | Monthly | Annual | ||
| Income | $342.47 | $10,416.80 | $125,001.55 | ||
| Expenses | $136.06 | $4,138.49 | $49,661.90 | ||
| Discretionary | $36.29 | $1,103.82 | $13,245.85 | ||
| Savings | $63.02 | $1,916.86 | $23,002.30 | ||
| Type | Description | Daily | Monthly | Annual | |
| Income | Salary | $246.58 | $7,500.14 | $90,001.70 | |
| Income | Commissions/bonus | $13.70 | $416.71 | $5,000.50 | |
| Income | Other 1 | $82.19 | $2,499.95 | $29,999.35 | |
| Income | Other 2 | $0.00 | $0.00 | $0.00 | |
| Income | Other 3 | $0.00 | $0.00 | $0.00 | |
| Income | Other 4 | $0.00 | $0.00 | $0.00 | |
| Expenses | Federal/SS/Medicare | $41.10 | $1,250.13 | $15,001.50 | |
| Expenses | State Income Tax | $6.85 | $208.35 | $2,500.25 | |
| Expenses | Vehicle Tax/Fees | $0.55 | $16.73 | $200.75 | |
| Expenses | Vehicle Payments | $10.96 | $333.37 | $4,000.40 | |
| Expenses | Mortgage/Rent | $41.10 | $1,250.13 | $15,001.50 | |
| Expenses | Insurance | $0.68 | $20.68 | $248.20 | |
| Expenses | Electricity | $3.29 | $100.07 | $1,200.85 | |
| Expenses | Gas | $1.64 | $49.88 | $598.60 | |
| Expenses | Water | $1.64 | $49.88 | $598.60 | |
| Expenses | Sewer | $0.82 | $24.94 | $299.30 | |
| Expenses | Garbage | $0.41 | $12.47 | $149.65 | |
| Expenses | Phone | $1.64 | $49.88 | $598.60 | |
| Expenses | Internet | $1.64 | $49.88 | $598.60 | |
| Expenses | Disability Premiums | $4.11 | $125.01 | $1,500.15 | |
| Expenses | Food | $13.70 | $416.71 | $5,000.50 | |
| Expenses | Clothing | $3.29 | $100.07 | $1,200.85 | |
| Expenses | Medical/Dental/Rx | $1.64 | $49.88 | $598.60 | |
| Expenses | Bus | $1.00 | $30.42 | $365.00 | |
| Expenses | Other 2 | $0.00 | $0.00 | $0.00 | |
| Expenses | Other 3 | $0.00 | $0.00 | $0.00 | |
| Expenses | Other 4 | $0.00 | $0.00 | $0.00 | |
| Discretionary | Dining | $3.29 | $100.07 | $1,200.85 | |
| Discretionary | Gifts | $1.64 | $49.88 | $598.60 | |
| Discretionary | Travel | $6.16 | $187.37 | $2,248.40 | |
| Discretionary | Entertainment | $3.29 | $100.07 | $1,200.85 | |
| Discretionary | Personal Care | $0.82 | $24.94 | $299.30 | |
| Discretionary | Shopping | $5.48 | $166.68 | $2,000.20 | |
| Discretionary | Charity | $1.64 | $49.88 | $598.60 | |
| Discretionary | Club/Memberships | $0.82 | $24.94 | $299.30 | |
| Discretionary | Home Improvements | $13.15 | $399.98 | $4,799.75 | |
| Discretionary | Other 1 | $0.00 | $0.00 | $0.00 | |
| Discretionary | Other 2 | $0.00 | $0.00 | $0.00 | |
| Savings | Cash Reserves | $13.70 | $416.71 | $5,000.50 | |
| Savings | 401(k)/Etc | $32.88 | $1,000.10 | $12,001.20 | |
| Savings | Savings Account | $16.44 | $500.05 | $6,000.60 | |
| Savings | Other 1 | $0.00 | $0.00 | $0.00 | |
| Savings | Other 2 | $0.00 | $0.00 | $0.00 | |
| Total | $107.10 | $3,257.63 | $39,091.50 |
GUIDE
/xl/drawings/drawing2.xml#Guide!A1DAILY CASH FLOW
/xl/drawings/drawing2.xml#'Daily%20Cash%20Flow'!A1ANNUAL CASH FLOW
/xl/drawings/drawing2.xml#'Annual%20Cash%20Flow'!A1MONTHLY CASH FLOW
/xl/drawings/drawing2.xml#'Monthly%20Cash%20Flow'!A1Monthly Cash Flow
| PERSONAL CASH FLOW | |||||||||||||||||
| Total Monthly Cash Flow: | $3,634.17 | NOTE: For daily items, estimate the monthly amount/value and place that value in the appropriate month column. | |||||||||||||||
| Type | Description | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |||
| Income | Salary | $10,000.00 | $10,000.00 | ||||||||||||||
| Income | Commissions/bonus | $250.00 | $250.00 | ||||||||||||||
| Income | Other 1 | $2,500.00 | $2,500.00 | ||||||||||||||
| Income | Other 2 | $0.00 | $0.00 | ||||||||||||||
| Income | Other 3 | $0.00 | $0.00 | ||||||||||||||
| Income | Other 4 | $0.00 | $0.00 | ||||||||||||||
| Expenses | Federal/SS/Medicare | $1,250.00 | $1,250.00 | ||||||||||||||
| Expenses | State Income Tax | $0.00 | |||||||||||||||
| Expenses | Vehicle Tax/Fees | $16.67 | $16.67 | ||||||||||||||
| Expenses | Vehicle Payments | $0.00 | |||||||||||||||
| Expenses | Mortgage/Rent | $4,200.00 | $4,200.00 | ||||||||||||||
| Expenses | Insurance | $25.00 | $25.00 | ||||||||||||||
| Expenses | Electricity | $100.00 | $100.00 | ||||||||||||||
| Expenses | Gas | $50.00 | $50.00 | ||||||||||||||
| Expenses | Water | $50.00 | $50.00 | ||||||||||||||
| Expenses | Sewer | $25.00 | $25.00 | ||||||||||||||
| Expenses | Garbage | $12.50 | $12.50 | ||||||||||||||
| Expenses | Phone | $50.00 | $50.00 | ||||||||||||||
| Expenses | Internet | $50.00 | $50.00 | ||||||||||||||
| Expenses | Disability Premiums | $125.00 | $125.00 | ||||||||||||||
| Expenses | Food | $400.00 | $400.00 | ||||||||||||||
| Expenses | Clothing | $50.00 | $50.00 | ||||||||||||||
| Expenses | Medical/Dental/Rx | $50.00 | $50.00 | ||||||||||||||
| Expenses | Bus | $30.00 | $30.00 | ||||||||||||||
| Expenses | Other 2 | $0.00 | $0.00 | ||||||||||||||
| Expenses | Other 3 | $0.00 | $0.00 | ||||||||||||||
| Expenses | Other 4 | $0.00 | $0.00 | ||||||||||||||
| Discretionary | Dining | $50.00 | $50.00 | ||||||||||||||
| Discretionary | Gifts | $25.00 | $25.00 | ||||||||||||||
| Discretionary | Travel | $0.00 | $0.00 | ||||||||||||||
| Discretionary | Entertainment | $50.00 | $50.00 | ||||||||||||||
| Discretionary | Personal Care | $15.00 | $15.00 | ||||||||||||||
| Discretionary | Shopping | $100.00 | $100.00 | ||||||||||||||
| Discretionary | Charity | $50.00 | $50.00 | ||||||||||||||
| Discretionary | Club/Memberships | $25.00 | $25.00 | ||||||||||||||
| Discretionary | Home Improvements | $400.00 | $400.00 | ||||||||||||||
| Discretionary | Other 1 | $0.00 | $0.00 | ||||||||||||||
| Discretionary | Other 2 | $0.00 | $0.00 | ||||||||||||||
| Savings | Cash Reserves | $416.67 | $416.67 | ||||||||||||||
| Savings | 401(k)/Etc | $1,000.00 | $1,000.00 | ||||||||||||||
| Savings | Savings Account | $500.00 | $500.00 | ||||||||||||||
| Savings | Other 1 | $0.00 | $0.00 | ||||||||||||||
| Savings | Other 2 | $0.00 | $0.00 | ||||||||||||||
| Total | $3,634.17 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3,634.17 | ||||
GUIDE
/xl/drawings/drawing3.xml#Guide!A1DAILY CASH FLOW
/xl/drawings/drawing3.xml#'Daily%20Cash%20Flow'!A1ANNUAL CASH FLOW
/xl/drawings/drawing3.xml#'Annual%20Cash%20Flow'!A1MONTHLY CASH FLOW
/xl/drawings/drawing3.xml#'Monthly%20Cash%20Flow'!A1Annual Cash Flow
| PERSONAL CASH FLOW | |||||||||||||||||||||||||||
| Total Cash Flow to Date: | $3,634.17 | This is an annual estimation. Use this worksheet if you wish to view annual amounts with estimated monthly values. Use Income, Expenses, Discretionary, and Savings worksheets to enter items. | |||||||||||||||||||||||||
| INCOME SUMMARY | EXPENSES SUMMARY | DISCRETIONARY SUMMARY | SAVINGS SUMMARY | ||||||||||||||||||||||||
| Total Annual: | $12,750.00 | Total Annual: | $6,484.17 | Total Annual: | $715.00 | Total Annual: | $1,916.67 | ||||||||||||||||||||
| Total Monthly: | $1,062.50 | Total Monthly: | $540.35 | Total Monthly: | $59.58 | Total Monthly: | $159.72 | ||||||||||||||||||||
| Row Labels | Annual Income | Row Labels | Sum of Annual | Row Labels | Sum of Annual | Row Labels | Sum of Annual | ||||||||||||||||||||
| Other 2 | $0 | Other 1 | $0 | Other 2 | $0 | Other 1 | $0 | ||||||||||||||||||||
| Other 3 | $0 | Other 2 | $0 | Other 1 | $0 | Other 2 | $0 | ||||||||||||||||||||
| Other 4 | $0 | Garbage | $150 | Club/Memberships | $300 | Cash Reserves | $5,000 | ||||||||||||||||||||
| Commissions/bonus | $5,000 | Vehicle Tax/Fees | $200 | Personal Care | $300 | Savings/Investment | $6,000 | ||||||||||||||||||||
| Other 1 | $30,000 | Insurance | $250 | Gifts | $600 | 401(k)/Etc | $12,000 | ||||||||||||||||||||
| Salary | $90,000 | Internet | $600 | Charity | $600 | Grand Total | $23,000 | ||||||||||||||||||||
| Grand Total | $125,000 | Gas | $600 | Entertainment | $1,200 | ||||||||||||||||||||||
| Water/Sewer | $600 | Dining | $1,200 | ||||||||||||||||||||||||
| Phone | $600 | Shopping | $2,000 | ||||||||||||||||||||||||
| Medical/Dental/Rx | $600 | Travel | $2,250 | ||||||||||||||||||||||||
| Electricity | $1,200 | Home Improvements | $4,800 | ||||||||||||||||||||||||
| Clothing | $1,200 | Grand Total | $13,250 | ||||||||||||||||||||||||
| Disability Premiums | $1,500 | ||||||||||||||||||||||||||
| State Income Tax | $2,500 | ||||||||||||||||||||||||||
| Vehicle Payments | $4,000 | ||||||||||||||||||||||||||
| Food | $5,000 | ||||||||||||||||||||||||||
| Federal/SS/Medicare | $12,500 | ||||||||||||||||||||||||||
| Mortgage/Rent | $15,000 | ||||||||||||||||||||||||||
| Grand Total | $46,500 |
Total Other 2 Other 3 Other 4 Commissions/bonus Other 1 Salary 0 0 0 5000 30000 90000
Total Other 2 Other 1 Club/Memberships Personal Care Gifts Charity Entertainment Dining Shopping Travel Home Improvements 0 0 300 300 600 600 1200 1200 2000 2250 4800
Total Other 1 Other 2 Garbage Vehicle Tax/Fees Insurance Internet Gas Water/Sewer Phone Medical/Dental/Rx Electricity Clothing Disability Premiums State Income Tax Vehicle Payments Food Federal/SS/Medicare Mortgage/Rent 0 0 150 200 250 600 600 600 600 600 1200 1200 1500 2500 4000 5000 12500 15000
Total Other 1 Other 2 Cash Reserves Savings/Investment 401(k)/Etc 0 0 5000 6000 12000
GUIDE
/xl/drawings/drawing4.xml#Guide!A1DISCRETIONARY
/xl/drawings/drawing4.xml#Discretionary!A1ANNUAL CASH FLOW
/xl/drawings/drawing4.xml#'Annual%20Cash%20Flow'!A1SAVINGS
/xl/drawings/drawing4.xml#Savings!A1EXPENSES
/xl/drawings/drawing4.xml#Expenses!A1INCOME
/xl/drawings/drawing4.xml#Income!A1Income
| PERSONAL CASH FLOW | |||||
| Total Cash Flow to Date: | $3,634.17 | This is an annual estimation. Use this worksheet if you wish to view annual amounts with estimated monthly values. If you wish to add daily items to the Tables, estimate their annual amount/value and place value in the Annual column. | |||
| Income | Annual | Monthly | |||
| Salary | $10,000.00 | $833.33 | |||
| Commissions/bonus | $250.00 | $20.83 | |||
| Other 1 | $2,500.00 | $208.33 | |||
| Other 2 | $0.00 | $0.00 | |||
| Other 3 | $0.00 | $0.00 | |||
| Other 4 | $0.00 | $0.00 | |||
| Total | $12,750.00 | $1,062.50 |
GUIDE
/xl/drawings/drawing5.xml#Guide!A1DISCRETIONARY
/xl/drawings/drawing5.xml#Discretionary!A1ANNUAL CASH FLOW
/xl/drawings/drawing5.xml#'Annual%20Cash%20Flow'!A1SAVINGS
/xl/drawings/drawing5.xml#Savings!A1EXPENSES
/xl/drawings/drawing5.xml#Expenses!A1INCOME
/xl/drawings/drawing5.xml#Income!A1Expenses
| PERSONAL CASH FLOW | |||||
| Total Cash Flow to Date: | $3,634.17 | This is an annual estimation. Use this worksheet if you wish to view annual amounts with estimated monthly values If you wish to add daily items to the Tables, estimate their annual amount/value and place value in the Annual column. | |||
| Expenses | Annual | Monthly | |||
| Federal/SS/Medicare | $1,250.00 | $104.17 | |||
| State Income Tax | $0.00 | $0.00 | |||
| Vehicle Tax/Fees | $16.67 | $1.39 | |||
| Vehicle Payments | $0.00 | $0.00 | |||
| Mortgage/Rent | $4,200.00 | $350.00 | |||
| Insurance | $25.00 | $2.08 | |||
| Electricity | $100.00 | $8.33 | |||
| Gas | $50.00 | $4.17 | |||
| Water/Sewer | $50.00 | $4.17 | |||
| Garbage | $25.00 | $2.08 | |||
| Phone | $12.50 | $1.04 | |||
| Internet | $50.00 | $4.17 | |||
| Disability Premiums | $50.00 | $4.17 | |||
| Food | $125.00 | $10.42 | |||
| Clothing | $400.00 | $33.33 | |||
| Medical/Dental/Rx | $50.00 | $4.17 | |||
| Other 1 | $50.00 | $4.17 | |||
| Other 2 | $30.00 | $2.50 | |||
| Total | $6,484.17 | $540.35 |
GUIDE
/xl/drawings/drawing6.xml#Guide!A1DISCRETIONARY
/xl/drawings/drawing6.xml#Discretionary!A1ANNUAL CASH FLOW
/xl/drawings/drawing6.xml#'Annual%20Cash%20Flow'!A1SAVINGS
/xl/drawings/drawing6.xml#Savings!A1EXPENSES
/xl/drawings/drawing6.xml#Expenses!A1INCOME
/xl/drawings/drawing6.xml#Income!A1Discretionary
| PERSONAL CASH FLOW | |||||
| Total Cash Flow to Date: | $3,634.17 | This is an annual estimation. Use this worksheet if you wish to view annual amounts with estimated monthly values If you wish to add daily items to the Tables, estimate their annual amount/value and place value in the Annual column. | |||
| Expenses | Annual | Monthly | |||
| Dining | $50.00 | $4.17 | |||
| Gifts | $25.00 | $2.08 | |||
| Travel | $0.00 | $0.00 | |||
| Entertainment | $50.00 | $4.17 | |||
| Personal Care | $15.00 | $1.25 | |||
| Shopping | $100.00 | $8.33 | |||
| Charity | $50.00 | $4.17 | |||
| Club/Memberships | $25.00 | $2.08 | |||
| Home Improvements | $400.00 | $33.33 | |||
| Other 1 | $0.00 | $0.00 | |||
| Other 2 | $0.00 | $0.00 | |||
| Total | $715.00 | $59.58 |
GUIDE
/xl/drawings/drawing7.xml#Guide!A1DISCRETIONARY
/xl/drawings/drawing7.xml#Discretionary!A1ANNUAL CASH FLOW
/xl/drawings/drawing7.xml#'Annual%20Cash%20Flow'!A1SAVINGS
/xl/drawings/drawing7.xml#Savings!A1EXPENSES
/xl/drawings/drawing7.xml#Expenses!A1INCOME
/xl/drawings/drawing7.xml#Income!A1Savings
| PERSONAL CASH FLOW | |||||||||
| Total Cash Flow to Date: | $3,634.17 | ||||||||
| Savings | Annual | Monthly | |||||||
| Cash Reserves | $416.67 | $34.72 | |||||||
| 401(k)/Etc | $1,000.00 | $83.33 | |||||||
| Savings/Investment | $500.00 | $41.67 | |||||||
| Other 1 | $0.00 | $0.00 | |||||||
| Other 2 | $0.00 | $0.00 | |||||||
| Total | $1,916.67 | $159.72 |
GUIDE
/xl/drawings/drawing8.xml#Guide!A1DISCRETIONARY
/xl/drawings/drawing8.xml#Discretionary!A1ANNUAL CASH FLOW
/xl/drawings/drawing8.xml#'Annual%20Cash%20Flow'!A1SAVINGS
/xl/drawings/drawing8.xml#Savings!A1EXPENSES
/xl/drawings/drawing8.xml#Expenses!A1INCOME
/xl/drawings/drawing8.xml#Income!A1
