Personal Balance Sh Date 12/31/2022

Assets
Cash
Checking Accounts
Savings Accounts
CDs (certificates of deposit)
Other Cash
Total Cash
Investments
Life Insurance (cash surrender value)
Brokerage Accounts (non-retirement)
Securities (stocks, bonds, mutual funds)
Investment Real Estate (market value)
Treasury Bills/Notes
Other Investments
Total Investments
Personal Property
Primary Residence (market value)
Automobiles (present value)
Bullion (silver, gold, etc)
Jewelry, Art and Collectibles
Other property
Total Property
Retirement
Retirements Accounts (IRA, 401k)
Pension and Project Sharing
Social Security ($/month * 240)
Other Assets
Total Retirement
Notes and Accounts Receivable
Notes and Accounts Receivable
Other Notes
Total Notes

Total Assets

Liabilities
Mortgages on Real Estate
Mortgages on Investment Real Estate
Credit Accounts, Bills Due, etc.
Student Loans
Accounts Payable
Loans and Notes Payable to Bank and Others
Loans on Life Insurance
Loans on Profit Sharing / Pension
Loans on Retirement Accounts
Unpaid Taxes (current year)
 Other Liabilities
Total Liabilities

Net Worth (Assets - Liabilities)

Common Financial Ratios

Debt-to-Assets Ratio (Total Liabilities / Total Assets)
Basic Liquidity Ratio (Liquid Assets / Monthly Living Expenses)
Investment-Assets-to-Net-Worth Ratio (Investment Assets / Net Worth)
 Personal Cash Flow Statement

INFLOWS Last Year Year to Date

Income
Salary, Wages, Commissions
Business Distributions Note: What is considere
Rental Income for different circumstan
Interest and Dividends around as needed. But t
Social Security Benefits to calculate the totals to
Retirement Benefits
Child Support and Alimony
Realized Capital Gains (Losses)
Other Inflows
Rebates/Refunds/Reimbursements
Gifts Received
Tax Returns
Scholarships and Grants

Total Inflows - -
[42]
OUTFLOWS
Payroll / Income Deductions
Social Security Tax The "Payroll / Income D
Medicare Tax grouped so the Debt Se
Income Tax: Federal calculated easily. If you
Income Tax: State check the formulas used
401(k) / Savings Plans
Charitable Contributions
Business Expenses
Rental Maintenance
Rental Insurance
Financing Activities The "Financing Activiti
MORTGAGE Payments to calculate the debt-to-
Loan Payments (car, installment, student, etc.) move these around, you
Minimum Credit Card Payments formulas.
Other Living Expenses
Auto (Insurance, Fuel, Licenses, Service)
Daily Living (Food, Clothing, Supplies, etc.)
Education
Entertainment & Recreation
Health Insurance
Homeowners Insurance (not in escrow)
Life Insurance
Maintenance
Medical
Phone and Internet
Property Tax (not in escrow)
Subscriptions and Dues
 Supplies
Utilities (Electicity, Gas, Water)
Vacation and Travel
Miscellaneous

Total Outflows - -
Total Living Expenses (for BLR) - -

Net Cash Flow - -

Common Financial Ratios

Debt-to-Income (debt payments / gross income) - -
Debt Service Ratio (debt payments / annual net income) - -
Note: What is considered "income" may be different
for different circumstances. You can move rows
around as needed. But then check the formulas used
to calculate the totals to make sure they are still correct.

The "Payroll / Income Deducations" are

grouped so the Debt Service Ratio can be
calculated easily. If you move these around,
check the formulas used to calculate the ratios.

The "Financing Activities" are grouped

to calculate the debt-to-income ratios. If you
move these around, you'll need to fix the ratio