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 GUIDE INCOME

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.

Annual Cash Flow Monthly Cash Flow Daily Cash Flow

Enter an annual cash flow amount over
various areas. See the monthly break
down and how everything compares,
and most importantly what your bottom
line is in both annual and monthly
figures.
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 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.

Page 3 of 13
 ANNUAL FLOWMONTHLY CASH FLOW
PERSONAL CASH FLOW GUIDE ANNUAL
CASHCASH
FLOW

Total Cash Flow to Date: $39,750.00 This is an annual estimation. Use this worksheet if you wish to view annual amounts with estimated monthly values. Use other worksheets to add daily items.

INCOME SUMMARY EXPENSES SUMMARY DISCRETIONARY SUMMARY SAVINGS SUMMARY

Total Annual: $125,000.00 Total Annual: $49,000.00 Total Annual: $13,250.00 Total Annual: $23,000.00

Federal/SS/Medicare State Income Tax Dining Gifts

Vehicle Tax/Fees Vehicle Payments
Salary Commissions/bonus Other 1 Other 2 Other 3 Travel Entertainment
Mortgage/Rent Insurance Cash Reserves 401(k)/Etc Savings/Investment
Electricity Gas Personal Care Shopping
Other 4 Total Water/Sewer Garbage
Phone Internet Charity Club/Memberships
Life/Disability Premiums Food Other 1 Other 2 Total
Home Improvements Other 1
Clothing Medical/Dental/Rx
Other 1 Other 2 Other 2 Total
Total
Pie chart showing income from various sources is in this cell. Pie chart showing expenses incurred is in this cell. Pie chart showing discretionary expenses is in this cell. Pie chart showing savings and investments is in this cell.

Total Monthly: $10,416.67 Total Monthly: $4,083.33 Total Monthly: $1,104.17 Total Monthly: $1,916.67

Page 4 of 13
 MONTHLY
PERSONAL CASH FLOW GUIDE ANNUAL CASH FLOW
MONTHLY CASHDAILY
CASH FLOW
FLOWSUMMARY

NOTE: For daily items, estimate the monthly amount/value and place that value in the appropriate month column.
Total Monthly Cash Flow: $18,380.00

Type Description Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total
Income Salary $7,500.00 $7,500.00 $7,500.00 $7,500.00 $7,500.00 $7,500.00 $45,000.00

Income Commissions/bonus $400.00 $400.00 $500.00 $200.00 $0.00 $600.00 $2,100.00

Income Other 1 $2,500.00 $2,500.00 $2,500.00 $2,500.00 $2,500.00 $2,500.00 $15,000.00

Income Other 2 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Income Other 3 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Income Other 4 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Expenses Federal/SS/Medicare $1,250.00 $1,250.00 $1,250.00 $1,250.00 $1,250.00 $1,250.00 $7,500.00

Expenses State Income Tax $208.33 $208.33 $208.33 $208.33 $208.33 $208.33 $1,250.00

Expenses Vehicle Tax/Fees $16.67 $16.67 $16.67 $16.67 $16.67 $16.67 $100.00

Expenses Vehicle Payments $333.33 $333.33 $333.33 $333.33 $333.33 $333.33 $2,000.00

Expenses Mortgage/Rent $1,250.00 $1,250.00 $1,250.00 $1,250.00 $1,250.00 $1,250.00 $7,500.00

Expenses Insurance $25.00 $25.00 $25.00 $25.00 $25.00 $25.00 $150.00

Expenses Electricity $100.00 $100.00 $100.00 $100.00 $100.00 $100.00 $600.00

Expenses Gas $50.00 $50.00 $50.00 $50.00 $50.00 $50.00 $300.00

Expenses Water $50.00 $50.00 $50.00 $50.00 $50.00 $50.00 $300.00

Expenses Sewer $25.00 $25.00 $25.00 $25.00 $25.00 $25.00 $150.00

Expenses Garbage $12.50 $12.50 $12.50 $12.50 $12.50 $12.50 $75.00

Expenses Phone $50.00 $50.00 $50.00 $50.00 $50.00 $50.00 $300.00

Expenses Internet $50.00 $50.00 $50.00 $50.00 $50.00 $50.00 $300.00

Expenses Life/Disability Premiums $125.00 $125.00 $125.00 $125.00 $125.00 $125.00 $750.00

Expenses Food $400.00 $500.00 $450.00 $400.00 $450.00 $425.00 $2,625.00

Expenses Clothing $50.00 $75.00 $100.00 $75.00 $125.00 $75.00 $500.00

Expenses Medical/Dental/Rx $50.00 $10.00 $25.00 $25.00 $20.00 $70.00 $200.00

Expenses Bus $30.00 $30.00 $30.00 $20.00 $30.00 $30.00 $170.00

Expenses Other 2 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Page 5 of 13
Type Description Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total
Expenses Other 3 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Expenses Other 4 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Discretionary Dining $50.00 $150.00 $100.00 $50.00 $150.00 $100.00 $600.00

Discretionary Gifts $25.00 $75.00 $50.00 $25.00 $75.00 $50.00 $300.00

Discretionary Travel $0.00 $0.00 $1,000.00 $0.00 $0.00 $1,000.00 $2,000.00

Discretionary Entertainment $50.00 $150.00 $100.00 $50.00 $150.00 $100.00 $600.00

Discretionary Personal Care $15.00 $25.00 $35.00 $15.00 $25.00 $35.00 $150.00

Discretionary Shopping $100.00 $200.00 $150.00 $175.00 $150.00 $175.00 $950.00

Discretionary Charity $50.00 $50.00 $50.00 $50.00 $50.00 $50.00 $300.00

Discretionary Club/Memberships $25.00 $25.00 $25.00 $25.00 $25.00 $25.00 $150.00

Discretionary Home Improvements $400.00 $400.00 $400.00 $400.00 $400.00 $400.00 $2,400.00

Discretionary Other 1 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Discretionary Other 2 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Savings Cash Reserves $416.67 $416.67 $416.67 $416.67 $416.67 $416.67 $2,500.00

Savings 401(k)/Etc $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $6,000.00

Savings Savings/Investment Account $500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $3,000.00

Savings Other 1 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Savings Other 2 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Total $3,692.50 $3,247.50 $2,522.50 $3,427.50 $2,887.50 $2,602.50 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $18,380.00

Page 6 of 13
 DAILY
PERSONAL CASH FLOW GUIDE MONTHLY CASH FLOW
DAILY SUMMARY
SUMMARY INCOME

NOTE: If you wish to add daily items to the Table, estimate their monthly amount/value and place value in the appropriate month column.
Total Available Cash: $577.84

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

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
Income
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
Life/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
Expenses
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

Page 7 of 13
Type Description Daily Monthly Annual
Other 1 $0.00 $0.00 $0.00
Discretionary
Other 2 $0.00 $0.00 $0.00
Discretionary
Cash Reserves $13.70 $416.71 $5,000.50
Savings
401(k)/Etc $32.88 $1,000.10 $12,001.20
Savings
Savings/Investment 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
Savings
$107.10 $3,257.63 $39,091.50
Total

Page 8 of 13
PERSONAL CASH FLOW GUIDE DAILY SUMMARY INCOME EXPENSES

Total Cash Flow to Date: $39,750.00

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 $90,000.00 $7,500.00

Commissions/bonus $5,000.00 $416.67

Other 1 $30,000.00 $2,500.00

Other 2 $0.00

Other 3 $0.00

Other 4 $0.00

Total $125,000.00 $10,416.67

Page 9 of 13
PERSONAL CASH FLOW GUIDE INCOME EXPENSES DISCRETIONARY

Total Cash Flow to Date: $39,750.00

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 $15,000.00 $1,250.00

State Income Tax $2,500.00 $208.33

Vehicle Tax/Fees $200.00 $16.67

Vehicle Payments $4,000.00 $333.33

Mortgage/Rent $15,000.00 $1,250.00

Insurance $250.00 $20.83

Electricity $1,200.00 $100.00

Gas $600.00 $50.00

Water/Sewer $600.00 $50.00

Garbage $150.00 $12.50

Phone $600.00 $50.00

Internet $600.00 $50.00

Life/Disability Premiums $1,500.00 $125.00

Food $5,000.00 $416.67

Clothing $1,200.00 $100.00

Medical/Dental/Rx $600.00 $50.00

Other 1 $0.00

Page 10 of 13
Total Cash Flow to Date: $39,750.00
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

Other 2 $0.00

Total $49,000.00 $4,083.33

Page 11 of 13
PERSONAL CASH FLOW GUIDE EXPENSES DISCRETIONARY
DISCRETIONARY SAVINGS

Total Cash Flow to Date: $39,750.00

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.

Discretionary Expenses Annual Monthly

Dining $1,200.00 $100.00

Gifts $600.00 $50.00

Travel $2,250.00 $187.50

Entertainment $1,200.00 $100.00

Personal Care $300.00 $25.00

Shopping $2,000.00 $166.67

Charity $600.00 $50.00

Club/Memberships $300.00 $25.00

Home Improvements $4,800.00 $400.00

Other 1 $0.00

Other 2 $0.00

Total $13,250.00 $1,104.17

Page 12 of 13
PERSONAL CASH FLOW GUIDE DISCRETIONARY SAVINGS

Total Cash Flow to Date: $39,750.00

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 $5,000.00 $416.67

401(k)/Etc $12,000.00 $1,000.00

Savings/Investment $6,000.00 $500.00

Other 1 $0.00

Other 2 $0.00

Total $23,000.00 $1,916.67

Page 13 of 13