Simple Personal Cash Flow Statement1

GUIDE
ANNUAL
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.
MONTHLY
DAILY
DAILY
PERSONAL CASH FLOW
GUIDE
Total Cash Flow to Date:

$39,750.00
EXPENSES SUMMARY
$125,000.00
Total Annual:
MONTHLY
DAILY
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.
$39,750.00
INCOME SUMMARY
ANNUAL
DISCRETIONARY SUMMARY
$49,000.00
Total Annual:
SAVINGS SUMMARY
$13,250.00
Total Annual:
$23,000.00
Total Annual:
Salary
Commissions/bonus
Federal/SS/Medicare
State Income Tax
Dining
Gifts
Cash Reserves
401(k)/Etc
Other 1
Other 2
Vehicle Tax/Fees
Vehicle Payments
Travel
Entertainment
Savings/Investment
Other 1
Other 3
Other 4
Mortgage/Rent
Insurance
Personal Care
Shopping
Other 2
Electricity
Gas
Charity
Club/Memberships
Water/Sewer
Garbage
Home Improvements
Other 1
Phone
Internet
Other 2
Life/Disability Premiums
Food
Clothing
Medical/Dental/Rx
Other 1
Other 2
$10,416.67
Total Monthly:
Income
Salary
Commissions/bonus
Other 1
Annual
$90,000.00
Monthly
$7,500.00
$4,083.33
Total Monthly:
Expenses
Federal/SS/Medicare
Annual
$15,000.00
Monthly
$1,250.00
Discretionary Expenses
Dining
Annual
$1,200.00
Monthly
$100.00
Savings
Cash Reserves
$5,000.00
$416.67
State Income Tax
$2,500.00
$208.33
Gifts
$600.00
$50.00
$2,500.00
Vehicle Tax/Fees
$200.00
$16.67
Travel
$2,250.00
$187.50
Savings/Investment
$4,000.00
$333.33
Entertainment
$1,200.00
$100.00
Other 1
$15,000.00
$1,250.00
Personal Care
$300.00
$25.00
Other 2
$2,000.00
$166.67
$600.00
$50.00
$0.00
Vehicle Payments
Other 3
$0.00
Mortgage/Rent
Other 4
$0.00
Insurance
$250.00
$20.83
#########
Electricity
$1,200.00
$100.00
$125,000.00
Shopping
Charity
$1,916.67
Total Monthly:
$30,000.00
Other 2
Total
$1,104.17
Total Monthly:
401(k)/Etc
Total
Annual
$5,000.00
Monthly
$416.67
$12,000.00
$1,000.00
$6,000.00
$500.00
$0.00
$0.00
$23,000.00
$1,916.67
Gas
$600.00
$50.00
Club/Memberships
Water/Sewer
$600.00
$50.00
Home Improvements
Garbage
$150.00
$12.50
Other 1
Phone
$600.00
$50.00
Other 2
Internet
$600.00
$50.00
Total
$1,500.00
$125.00
Food
$5,000.00
$416.67
Clothing
$1,200.00
$100.00
$600.00
$50.00
Medical/Dental/Rx
Other 1
$0.00
Other 2
Total
$0.00
$49,000.00
$4,083.33
$300.00
$25.00
$4,800.00
$400.00
$0.00
$0.00
$13,250.00
$1,104.17
Type
Description
Jan
Income
Salary
$7,500.00 $7,500.00 $7,500.00 $7,500.00 $7,500.00 $7,500.00
Feb
Income
Commissions/bonus
Income
Other 1
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
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
$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
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 $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
$400.00
Mar
Aug
Sep
Oct
Nov
Dec
Total
$45,000.00
$15,000.00
$0.00
$0.00 $1,000.00
$208.33
$0.00
$0.00
Jul
$2,500.00 $2,500.00 $2,500.00 $2,500.00 $2,500.00 $2,500.00
$208.33
$200.00
Jun
$2,100.00
$208.33
$500.00
May
$600.00
$208.33
$400.00
Apr
$208.33
$208.33
$1,250.00
Discretionary
Home Improvements
Discretionary
Discretionary
Savings
Cash Reserves
Savings
401(k)/Etc
Savings
Savings/Investment Account
Savings
Other 1
Savings
Other 2
Total
$400.00
$400.00
$400.00
$400.00
$400.00
$400.00
$2,400.00
Other 1
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Other 2
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$416.67
$416.67
$416.67
$416.67
$416.67
$416.67
$2,500.00
$1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00
$6,000.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$3,000.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$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
$0.00
$18,380.00
PERSONAL CASH FLOW
GUIDE
Total Available Cash:

$577.84
$577.84
Daily
Monthly
Annual
Income
$342.47
$10,416.80
$125,001.55
Expenses
$136.06
$4,138.49
$49,661.90
$36.29
$1,103.82
$13,245.85
Discretionary
Savings
$63.02
Daily
$1,916.86
Monthly
$23,002.30
Type
Description
Income
Salary
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
Income
Other 4
$0.00
$0.00
$0.00
Expenses
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
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
Expenses
Internet
$1.64
$49.88
$598.60
Expenses
$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
Expenses
Other 4
$0.00
$0.00
$0.00
Discretionary
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
$246.58
Annual
$7,500.14
$16.73
MONTHLY
DAILY
NOTE: If you wish to add daily items to the Table, estimate their monthly amount/value and place value in the appropriate month column.
DAILY SUMMARY
TOTALS
ANNUAL
$90,001.70
$0.00
$200.75
$598.60
$0.00
Discretionary
Charity
Discretionary
Club/Memberships
Discretionary
Home Improvements
Discretionary
Other 1
Discretionary
Other 2
$0.00
$0.00
$0.00
Savings
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
Savings
Other 2
$0.00
$0.00
$0.00
$107.10
$3,257.63
$39,091.50
Total
$1.64
$49.88
$598.60
$0.82
$24.94
$299.30
$13.15
$399.98
$4,799.75
$0.00
$0.00
$0.00
$0.00

Simple Personal Cash Flow Statement1

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GUIDE

PERSONAL CASH FLOW

Annual Cash Flow

Monthly Cash Flow

Daily Cash Flow

Enter an annual cash flow amount

Enter the monthly cash flow you

Enter an estimated amount of cash

PERSONAL CASH FLOW

Total Cash Flow to Date:

State Income Tax

State Income Tax

$7,500.00 $7,500.00 $7,500.00 $7,500.00 $7,500.00 $7,500.00

$1,250.00 $1,250.00 $1,250.00 $1,250.00 $1,250.00 $1,250.00

State Income Tax

$1,250.00 $1,250.00 $1,250.00 $1,250.00 $1,250.00 $1,250.00

$2,500.00 $2,500.00 $2,500.00 $2,500.00 $2,500.00 $2,500.00

$1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00

$3,692.50 $3,247.50 $2,522.50 $3,427.50 $2,887.50 $2,602.50

PERSONAL CASH FLOW

Total Available Cash:

State Income Tax

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