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Personal · Financial model
Personal Financial Statement Template
A personal financial statement is your net worth (assets minus liabilities) plus your monthly cash flow (income minus expenses) in one place. This template builds both automatically — list what you own and owe, what comes in and goes out, and it does the math and keeps it current.
What this template builds
- Assets: cash, investments, retirement accounts, property, vehicles
- Liabilities: mortgage, loans, credit cards, other debt
- Automatic net worth calculation (assets − liabilities)
- Monthly cash flow: income vs. expenses by category
- Export to Excel any time
Key drivers & benchmarks
The numbers that shape a Personal model — and roughly where healthy businesses land.
Frequently asked
What is included in a personal financial statement?
A personal financial statement has two parts: a net worth statement (assets minus liabilities) and a cash flow statement (monthly income minus expenses). Together they show what you own, what you owe, and how money moves each month.
How often should I update my personal financial statement?
Monthly is typical for cash flow; net worth is often reviewed monthly or quarterly since assets like investments and property values change more slowly.
Can I export my personal financial statement to Excel?
Yes — build it online and export a formula-ready Excel file at any time, so you can keep working offline or share it with a lender or advisor.
Build your Personal model now
Describe your business in a sentence and AI assembles the full 3-statement model — then edit every assumption yourself.
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