Personal Cash Flow And Balance Sheet

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Personal Cash Flow and Balance Sheet
Personal Information
Name
Email Address
Telephone Number
Date
Cash Inflows (Your Income)
Monthly
Annual
Spouse A gross salary/bonus and/or consulting fees
x 12
$
1
Spouse B gross salary/bonus and/or consulting fees
x 12
$
1
Interest income (savings, CDs, fixed income)
x 12
$
Dividends/capital gains from stocks, mutual funds
x 12
$
Rental income
x 12
$
Annuity payments
x 12
$
Distributions from trust(s)
x 12
$
Social Security benefits
x 12
$
Pension payments
x 12
$
Required Minimum Distributions from IRAs
x 12
$
Other
x 12
$
Total Inflows (A) $
Cash Outflows (Your Budget)
Basic Expenses
Monthly
Annual
Food
x 12
$
Housing costs (mortgage (PITI), rent payments, maintenance)
x 12
$
2
Utilities (heat, electricity, phone, water, sewer, cable)
x 12
$
Taxes (state/federal income, real estate, FICA, Medicare)
x 12
$
3
Medical and dental care costs
x 12
$
Insurance (health, LTC, life, disability, property, dental, Medigap)
x 12
$
Transportation (car payments, gas, maintenance)
x 12
$
Clothing, personal care
x 12
$
Other
x 12
$
Other
x 12
$
Discretionary Expenses
Monthly
Annual
Entertainment (sporting events, shows, electronics)
x 12
$
Recreation/hobbies/travel
x 12
$
Gifts/charitable contributions
x 12
$
Home improvements, home-related extras
x 12
$
IRA contributions/savings and investments
x 12
$
Other
x 12
$
Other
x 12
$
Total Outflows (B) $
Net Cash Flow
(A) - (B) $
4

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