DAILY

MONTHLY ANNUAL
CASH GUIDE
CASH FLOW CASH FLOW
FLOW

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.
 DAILY MONTHLY ANNUAL
PERSONAL CASH FLOW CASH FLOW CASH FLOW CASH FLOW
GUIDE

NOTE: If you wish to add daily items to the Table, estimate their
Total Available Cash: Rp 578 monthly amount/value and place value in the appropriate month
column.

DAILY SUMMARY
Totals Daily Monthly Annual

Income Rp 342 Rp 10,417 Rp 125,002

Expenses Rp 136 Rp 4,138 Rp 49,662

Discretionary Rp 36 Rp 1,104 Rp 13,246

Savings Rp 63 Rp 1,917 Rp 23,002

Type Description Daily Monthly Annual

Income Salary Rp 247 Rp 7,500 Rp 90,002

Income Commissions/bonus Rp 14 Rp 417 Rp 5,001

Income Other 1 Rp 82 Rp 2,500 Rp 29,999

Income Other 2 Rp - Rp - Rp -

Income Other 3 Rp - Rp - Rp -

Income Other 4 Rp - Rp - Rp -

Expenses Federal/SS/Medicare Rp 41 Rp 1,250 Rp 15,002

Expenses State Income Tax Rp 7 Rp 208 Rp 2,500

Expenses Vehicle Tax/Fees Rp 1 Rp 17 Rp 201

Expenses Vehicle Payments Rp 11 Rp 333 Rp 4,000

Expenses Mortgage/Rent Rp 41 Rp 1,250 Rp 15,002

Expenses Insurance Rp 1 Rp 21 Rp 248

Expenses Electricity Rp 3 Rp 100 Rp 1,201

Expenses Gas Rp 2 Rp 50 Rp 599

Expenses Water Rp 2 Rp 50 Rp 599

Expenses Sewer Rp 1 Rp 25 Rp 299

Expenses Garbage Rp 0 Rp 12 Rp 150

Expenses Phone Rp 2 Rp 50 Rp 599

Expenses Internet Rp 2 Rp 50 Rp 599

Expenses Disability Premiums Rp 4 Rp 125 Rp 1,500

Expenses Food Rp 14 Rp 417 Rp 5,001

Expenses Clothing Rp 3 Rp 100 Rp 1,201

Expenses Medical/Dental/Rx Rp 2 Rp 50 Rp 599

Expenses Bus Rp 1 Rp 30 Rp 365

Expenses Other 2 Rp - Rp - Rp -

Page 2 of 11
Type Description Daily Monthly Annual

Expenses Other 3 Rp - Rp - Rp -

Expenses Other 4 Rp - Rp - Rp -

Discretionary Dining Rp 3 Rp 100 Rp 1,201

Discretionary Gifts Rp 2 Rp 50 Rp 599

Discretionary Travel Rp 6 Rp 187 Rp 2,248

Discretionary Entertainment Rp 3 Rp 100 Rp 1,201

Discretionary Personal Care Rp 1 Rp 25 Rp 299

Discretionary Shopping Rp 5 Rp 167 Rp 2,000

Discretionary Charity Rp 2 Rp 50 Rp 599

Discretionary Club/Memberships Rp 1 Rp 25 Rp 299

Discretionary Home Improvements Rp 13 Rp 400 Rp 4,800

Discretionary Other 1 Rp - Rp - Rp -

Discretionary Other 2 Rp - Rp - Rp -

Savings Cash Reserves Rp 14 Rp 417 Rp 5,001

Savings 401(k)/Etc Rp 33 Rp 1,000 Rp 12,001

Savings Savings Account Rp 16 Rp 500 Rp 6,001

Savings Other 1 Rp - Rp - Rp -

Savings Other 2 Rp - Rp - Rp -

Total Rp 107 Rp 3,258 Rp 39,092

Page 3 of 11
 DAILY MONTHLY ANNUAL
PERSONAL CASH FLOW CASH FLOW CASH FLOW CASH FLOW
GUIDE

Total Monthly Cash NOTE: For daily items, estimate the monthly amount/value and place that value in the appropriate
Flow: Rp 18,380 month column.

Type Description Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total

Income Salary Rp 7,500 Rp 7,500 Rp 7,500 Rp 7,500 Rp 7,500 Rp 7,500 Rp 45,000

Income Commissions/bonus Rp 400 Rp 400 Rp 500 Rp 200 Rp - Rp 600 Rp 2,100

Income Other 1 Rp 2,500 Rp 2,500 Rp 2,500 Rp 2,500 Rp 2,500 Rp 2,500 Rp 15,000

Income Other 2 Rp - Rp - Rp - Rp - Rp - Rp - Rp -

Income Other 3 Rp - Rp - Rp - Rp - Rp - Rp - Rp -

Income Other 4 Rp - Rp - Rp - Rp - Rp - Rp - Rp -

Expenses Federal/SS/Medicare Rp 1,250 Rp 1,250 Rp 1,250 Rp 1,250 Rp 1,250 Rp 1,250 Rp 7,500

Expenses State Income Tax Rp 208 Rp 208 Rp 208 Rp 208 Rp 208 Rp 208 Rp 1,250

Expenses Vehicle Tax/Fees Rp 17 Rp 17 Rp 17 Rp 17 Rp 17 Rp 17 Rp 100

Expenses Vehicle Payments Rp 333 Rp 333 Rp 333 Rp 333 Rp 333 Rp 333 Rp 2,000

Expenses Mortgage/Rent Rp 1,250 Rp 1,250 Rp 1,250 Rp 1,250 Rp 1,250 Rp 1,250 Rp 7,500

Expenses Insurance Rp 25 Rp 25 Rp 25 Rp 25 Rp 25 Rp 25 Rp 150

Expenses Electricity Rp 100 Rp 100 Rp 100 Rp 100 Rp 100 Rp 100 Rp 600

Expenses Gas Rp 50 Rp 50 Rp 50 Rp 50 Rp 50 Rp 50 Rp 300

Expenses Water Rp 50 Rp 50 Rp 50 Rp 50 Rp 50 Rp 50 Rp 300

Expenses Sewer Rp 25 Rp 25 Rp 25 Rp 25 Rp 25 Rp 25 Rp 150

Expenses Garbage Rp 13 Rp 13 Rp 13 Rp 13 Rp 13 Rp 13 Rp 75

Expenses Phone Rp 50 Rp 50 Rp 50 Rp 50 Rp 50 Rp 50 Rp 300

Expenses Internet Rp 50 Rp 50 Rp 50 Rp 50 Rp 50 Rp 50 Rp 300

Expenses Disability Premiums Rp 125 Rp 125 Rp 125 Rp 125 Rp 125 Rp 125 Rp 750

Expenses Food Rp 400 Rp 500 Rp 450 Rp 400 Rp 450 Rp 425 Rp 2,625

Expenses Clothing Rp 50 Rp 75 Rp 100 Rp 75 Rp 125 Rp 75 Rp 500

Expenses Medical/Dental/Rx Rp 50 Rp 10 Rp 25 Rp 25 Rp 20 Rp 70 Rp 200

Expenses Bus Rp 30 Rp 30 Rp 30 Rp 20 Rp 30 Rp 30 Rp 170

Expenses Other 2 Rp - Rp - Rp - Rp - Rp - Rp - Rp -

Expenses Other 3 Rp - Rp - Rp - Rp - Rp - Rp - Rp -

Expenses Other 4 Rp - Rp - Rp - Rp - Rp - Rp - Rp -

Discretionary Dining Rp 50 Rp 150 Rp 100 Rp 50 Rp 150 Rp 100 Rp 600

Discretionary Gifts Rp 25 Rp 75 Rp 50 Rp 25 Rp 75 Rp 50 Rp 300

Page 4 of 11
Type Description Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total

Discretionary Travel Rp - Rp - Rp 1,000 Rp - Rp - Rp 1,000 Rp 2,000

Discretionary Entertainment Rp 50 Rp 150 Rp 100 Rp 50 Rp 150 Rp 100 Rp 600

Discretionary Personal Care Rp 15 Rp 25 Rp 35 Rp 15 Rp 25 Rp 35 Rp 150

Discretionary Shopping Rp 100 Rp 200 Rp 150 Rp 175 Rp 150 Rp 175 Rp 950

Discretionary Charity Rp 50 Rp 50 Rp 50 Rp 50 Rp 50 Rp 50 Rp 300

Discretionary Club/Memberships Rp 25 Rp 25 Rp 25 Rp 25 Rp 25 Rp 25 Rp 150

Discretionary Home Improvements Rp 400 Rp 400 Rp 400 Rp 400 Rp 400 Rp 400 Rp 2,400

Discretionary Other 1 Rp - Rp - Rp - Rp - Rp - Rp - Rp -

Discretionary Other 2 Rp - Rp - Rp - Rp - Rp - Rp - Rp -

Savings Cash Reserves Rp 417 Rp 417 Rp 417 Rp 417 Rp 417 Rp 417 Rp 2,500

Savings 401(k)/Etc Rp 1,000 Rp 1,000 Rp 1,000 Rp 1,000 Rp 1,000 Rp 1,000 Rp 6,000

Savings Savings Account Rp 500 Rp 500 Rp 500 Rp 500 Rp 500 Rp 500 Rp 3,000

Savings Other 1 Rp - Rp - Rp - Rp - Rp - Rp - Rp -

Savings Other 2 Rp - Rp - Rp - Rp - Rp - Rp - Rp -

Total Rp 3,693 Rp 3,248 Rp 2,523 Rp 3,428 Rp 2,888 Rp 2,603 Rp - Rp - Rp - Rp - Rp - Rp - Rp 18,380

Page 5 of 11
 DISCRETIO ANNUAL
PERSONAL CASH FLOW INCOME EXPENSES
NARY
SAVINGS
CASH FLOW
GUIDE

Total Cash Flow to This is an annual estimation. Use this worksheet if you wish to view annual amounts with
Date: Rp 42,250
estimated monthly values. Use Income, Expenses, Discretionary, and Savings worksheets
to enter items.

INCOME SUMMARY EXPENSES SUMMARY DISCRETIONARY SUMMARY SAVINGS SUMMARY

Total Annual: Rp 125,000 Total Annual: Rp 46,500 Total Annual: Rp 13,250 Total Annual: Rp 23,000

Mortgage/Rent
Home Improvements
Salary Federal/SS/Medicare 401(k)/Etc
Food Travel
Vehicle Payments
State Income Tax Shopping
Other 1
Savings/Investment
Disability Premiums
Dining
Clothing

Commissions/bonus Electricity Entertainment

Medical/Dental/Rx Cash Reserves

Charity
Phone
Other 4 Water/Sewer Gifts
Gas
Other 2
Personal Care
Internet
Other 3 Insurance
Club/Memberships
Vehicle Tax/Fees
Garbage Other 1 Other 1

Other 2 Other 2
Other 2
Other 1

$0

00

00
0

00

0
00

00
00

00
,0

,0

,0
$0 $50,000 $100,000

0,

2,

4,
$4

$8
$2

$6
$0 $5,000 $10,000 $15,000 $20,000 $0 $2,000 $4,000 $6,000

$1
$1

$1
Total Monthly: Rp 10,417 Total Monthly: Rp 3,875 Total Monthly: Rp 1,104 Total Monthly: Rp 1,917

Page 6 of 11
 DISCRETION ANNUAL
PERSONAL CASH FLOW INCOME EXPENSES
ARY
SAVINGS
CASH FLOW
GUIDE

Total Cash Flow to Date: Rp 42,250 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 Rp 90,000 Rp 7,500

Commissions/bonus Rp 5,000 Rp 417

Other 1 Rp 30,000 Rp 2,500

Other 2 Rp - Rp -

Other 3 Rp - Rp -

Other 4 Rp - Rp -

Total Rp 125,000 Rp 10,417

Page 7 of 11
 DISCRETION ANNUAL
PERSONAL CASH FLOW INCOME EXPENSES
ARY
SAVINGS
CASH FLOW
GUIDE

Total Cash Flow to Date: Rp 42,250 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 Rp 12,500 Rp 1,042

State Income Tax Rp 2,500 Rp 208

Vehicle Tax/Fees Rp 200 Rp 17

Vehicle Payments Rp 4,000 Rp 333

Mortgage/Rent Rp 15,000 Rp 1,250

Insurance Rp 250 Rp 21

Electricity Rp 1,200 Rp 100

Gas Rp 600 Rp 50

Water/Sewer Rp 600 Rp 50

Garbage Rp 150 Rp 13

Phone Rp 600 Rp 50

Internet Rp 600 Rp 50

Disability Premiums Rp 1,500 Rp 125

Food Rp 5,000 Rp 417

Clothing Rp 1,200 Rp 100

Medical/Dental/Rx Rp 600 Rp 50

Page 8 of 11
Other 1 Rp - Rp -

Other 2 Rp - Rp -

Total Rp 46,500 Rp 3,875

Page 9 of 11
 DISCRETION ANNUAL
PERSONAL CASH FLOW INCOME EXPENSES
ARY
SAVINGS
CASH FLOW
GUIDE

Total Cash Flow to Date: Rp 42,250 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 Rp 1,200 Rp 100

Gifts Rp 600 Rp 50

Travel Rp 2,250 Rp 188

Entertainment Rp 1,200 Rp 100

Personal Care Rp 300 Rp 25

Shopping Rp 2,000 Rp 167

Charity Rp 600 Rp 50

Club/Memberships Rp 300 Rp 25

Home Improvements Rp 4,800 Rp 400

Other 1 Rp - Rp -

Other 2 Rp - Rp -

Total Rp 13,250 Rp 1,104

Page 10 of 11
 DISCRETION ANNUAL
PERSONAL CASH FLOW INCOME EXPENSES
ARY
SAVINGS
CASH FLOW
GUIDE

Total Cash Flow to Date: Rp 42,250 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.

Savings Annual Monthly

Cash Reserves Rp 5,000 Rp 417

401(k)/Etc Rp 12,000 Rp 1,000

Savings/Investment Rp 6,000 Rp 500

Other 1 Rp - Rp -

Other 2 Rp - Rp -

Total Rp 23,000 Rp 1,917

Page 11 of 11