Personal financialtemplate

Download a free personal financial statement template — or upload your bank statement and let AI fill it in automatically.

Free templateExcel & PDFAuto-fill with AI
Drop your bank statement hereTap to upload your statement
or click to browse — PDF, JPG or PNG · multiple files
Free·No signup·Deleted after analysis
... statements analyzed
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The template

Personal Financial Statement Template

Copy this structure into Excel, Google Sheets, or print as a PDF. All four sections below.

AssetAmount
Checking accounts$
Savings accounts$
Investment accounts$
Retirement accounts (401k, IRA)$
Real estate (market value)$
Vehicles$
Other assets$
TOTAL ASSETS$
LiabilityAmount
Mortgage balance$
Credit card debt$
Auto loan balance$
Student loans$
Other debts$
TOTAL LIABILITIES$
NET WORTH = Total Assets − Total Liabilities

Monthly cash flow

Income & Expenses

IncomeAmount
Salary/wages (net)$
Freelance/business income$
Rental income$
Other income$
TOTAL INCOME$
ExpensesAmount
Housing (rent/mortgage)$
Food & groceries$
Transportation$
Utilities$
Insurance$
Subscriptions$
Other expenses$
TOTAL EXPENSES$

Faster alternative

Skip the manual work

The template is useful, but filling it in takes time — you need to gather statements and calculate totals manually. Upload your bank statement and we extract your income and expenses automatically.

Auto-extract transactions

AI reads every line from your PDF — no manual entry.

Categorized automatically

Income and expenses sorted into 19 categories instantly.

Export to Excel

Download a pre-filled spreadsheet ready to share.

Drop your bank statement hereTap to upload your statement
or click to browse — PDF, JPG or PNG · multiple files
Free·No signup·Deleted after analysis
... statements analyzed
See a live example →

How-to guide

Excel template guide

How to build this template in Excel — or skip straight to step 4.

01

Create four tabs

Assets, Liabilities, Monthly Income, Monthly Expenses — one section per tab keeps things clean.

02

Add two columns

Column A: Category name. Column B: Amount in dollars. Add a header row with bold text.

03

Use SUM formulas

Use =SUM(B2:B8) for totals in each section. Net worth = =TotalAssets - TotalLiabilities.

04

Skip the manual work

Upload your bank statement to our analyzer and export a pre-filled Excel file in one click.

Key Excel formulas

=SUM(B2:B8)Total assets or total liabilities
=B9-B15Net worth (assets minus liabilities)
=SUM(B2:B5)Total monthly income
=SUM(B2:B8)Total monthly expenses
=IncomeTotal-ExpenseTotalMonthly surplus or deficit

Pricing

Simple, transparent pricing

Free
Free
Try it out
  • 3 PDF pages / month
  • AI transaction categorization
  • Sankey money-flow chart
  • AI insights & savings tips
  • Financial health score
  • Spending calendar
  • CSV export
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Basic
$9/mo
For monthly tracking
  • 500 PDF pages / month
  • Everything in Free, plus:
  • Multi-month trends dashboard
  • Subscription detector
  • AI savings opportunities
  • 6 export formats (CSV, Excel, QIF, OFX, QBO, IIF)
  • Chat AI financial advisor
  • Receipts & invoices extractor
  • Table-to-Excel extractor
  • File format converter
  • 12 months history
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Pro
$19/mo
For power users
  • Unlimited PDF pages
  • Everything in Basic, plus:
  • Redact sensitive info from statements
  • Translate statements (30+ languages)
  • Fake statement detector
  • Fraud & authenticity scoring
  • Priority processing
  • Priority support
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FAQ

Personal financial statement template FAQ

What should a personal financial statement template include?+−
A complete personal financial statement template includes: (1) Assets — cash, investments, real estate, vehicles; (2) Liabilities — mortgage, credit cards, loans; (3) Net worth calculation; (4) Monthly income sources; (5) Monthly expense categories.
Where can I get a free personal financial statement template?+−
You can download free personal financial statement templates from the SBA website (Form 413), SCORE.org, or create one in Excel. This page includes the complete template structure you can copy into Excel or Google Sheets.
What is the SBA Form 413 personal financial statement?+−
SBA Form 413 is the official personal financial statement required for SBA loan applications. It asks for all personal assets, liabilities, income sources, contingent liabilities, and life insurance. You can download it from sba.gov.
How do I fill out a personal financial statement template?+−
List all your assets with current market values. List all liabilities with outstanding balances. Subtract liabilities from assets for net worth. Then document all monthly income sources and all monthly expense categories. Use our analyzer to auto-extract income and expenses from your bank statement.
Can I make a personal financial statement in Excel?+−
Yes. Create a spreadsheet with four sections: Assets, Liabilities, Monthly Income, Monthly Expenses. Use SUM formulas for totals and a net worth calculation (=Total Assets - Total Liabilities). Or export directly from our analyzer to get a pre-filled Excel file.
How often should I update my personal financial statement?+−
Update it annually for personal budgeting, or whenever you apply for a loan, mortgage, or investment. Some SBA lenders require statements dated within 90 days of your application.
What's the difference between a personal financial statement and a budget?+−
A budget is a forward-looking plan for spending. A personal financial statement is a current snapshot of your net worth and cash flow — it shows what you have and what you owe right now, not what you plan to spend.