Finally see your
complete financial
picture in one place.
The Personal Financial Statements Template gives you a clear, organized view of your income, expenses, net worth, debt, insurance, and giving — all in one spreadsheet, with formulas that do the math for you.
Personal Financial Statements Template
A complete 7-tab spreadsheet template with auto-calculating formulas. Works in Google Sheets and Excel.
Digital download. Works in Google Sheets & Microsoft Excel.
You can't make confident decisions
about money you can't clearly see.
Most people have a vague sense of their finances. This template changes that — giving you a real, complete, organized picture of exactly where you stand so you can make decisions from clarity, not guesswork.
You know you should
track your finances.
You just haven't.
It's not that you don't care about your money. It's that every time you try to get organized, you don't know where to start — so you start nothing. The spreadsheet gets blank. The tab stays open. The clarity never comes.
- You're not sure what your net worth actually is
- You track income but have no idea where it all goes
- Your debt feels like a foggy number, not a clear plan
- You could never tell a lender exactly what your finances look like
- You want to invest but aren't sure if you're ready
- You've tried budgeting apps but nothing stuck
Seven tabs. Your entire
financial picture.
Income Statement
Update Monthly
Track all income sources and expenses across every month of the year. Includes a budget column alongside actuals so you can see where you're over or under — and a cash flow surplus/shortage calculation at the bottom.
Net Worth Statement
Update Monthly
List all your assets (savings, investments, retirement, real estate, business equity) and liabilities (credit cards, loans, mortgage) and watch your net worth and monthly change calculate automatically.
Debt Schedule
Update Annually
Organize all short-term and long-term debt with balances, interest rates, maturity dates, minimum payments, and payoff timelines. See your total debt load clearly — and plan your way out of it.
Annual Net Worth
Update Annually
Compare your net worth year-over-year to see how far you've come. Track assets, liabilities, and net worth across multiple years — the single most motivating view of your financial progress.
Donations Tracker
Update as Needed
Log all charitable giving with date, organization, items donated, and amount. Useful for personal goals and tax purposes.
Insurance Overview
Update Annually
Record all your insurance policies (life, health, auto, property) with coverage details, costs, renewal dates, and policy numbers in one place.
How To Use Guide
Start Here
A clear walkthrough of every tab, which cells to fill in, which calculate automatically, and a recommended update schedule so you always know what to do next.
Clarity, confidence,
and a system that works.
- A complete monthly income and expense tracker with budget comparison
- Your net worth calculated automatically — updated month by month
- Every debt organized with balances, rates, payments, and payoff timelines
- A year-over-year net worth view to track your actual financial progress
- All your insurance policies in one place so nothing slips through the gaps
- A charitable giving log for tax time and personal tracking
- Auto-calculating formulas — just fill in the numbers, it does the math
- Works in both Google Sheets and Microsoft Excel
This template was built
for people like you.
Aspiring Real Estate Investors
If you're thinking about buying your first property, lenders will want to see your personal financial statements. This template gives you exactly that — organized, professional, and ready.
Solopreneurs & Business Owners
When your personal and business finances are intertwined, seeing the full picture matters. This template keeps your personal side organized so you can make smarter decisions on the business side.
Families Building Wealth
Whether you're paying off debt, growing your net worth, or planning for your family's future — this template gives you the visibility to do it with intention instead of hope.
"This is the template I use for my own finances. The same one I've recommended to every client who wanted to get serious about their money."
I'm Jessica Lawrence — finance educator, real estate investor, and someone who has spent years helping people see their financial picture clearly. One of the first things I do with anyone who wants to get financially organized is build out their personal financial statements. It sounds fancy, but it's really just this: knowing your numbers.
I built this template because I wanted to make that process as simple and approachable as possible. Fill in the light-colored cells. The formulas handle the rest. By the end you'll know your net worth, your cash flow, your debt, and exactly where your money is going — probably for the first time ever.
— Jessica Lawrence
Stop guessing.
Start knowing.
For less than a coffee and a muffin, you get a complete financial tracking system that tells you exactly where you stand — and helps you build toward exactly where you want to go. Download it once. Use it for years.
Personal Financial Statements Template
7 tabs · Auto-calculating formulas · Google Sheets & Excel · Instant download
Digital spreadsheet. Works in Google Sheets & Excel. Instant download after purchase.