Financial Answer Center
- Calculating Your Net Worth
- Worksheet: Net Worth
- Analyzing Your Net Worth
- Creating a Cash Flow Statement
- Cash Flow Statement–Instructions
- Cash Flow Statement I
- Cash Flow Statement II
- Analyzing Your Cash Flow
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INCOME |
ANNUAL AMOUNT |
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Put in the amount of your gross earnings from your paycheck(s), and other income, such as pension income, investment income, alimony & child support received, as well as gifts. |
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Salary and wages |
Total from all sources |
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Bonuses, commissions, tips |
Total from all sources |
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Self-employment income |
Total from all sources |
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Interest and dividends |
Include this only if the total is more than $200 |
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Alimony/child support received |
Total amount |
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Gifts received |
Total amount |
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Pension income |
Total amount |
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Social Security income |
Total amount |
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Public assistance, unemployment and/or disability benefits |
Total amount |
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Other income: _______________ |
All other income |
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TOTAL INCOME |
Total the income amounts above. |
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OUTFLOW |
ANNUAL AMOUNT |
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Savings/investing |
Whatever amount you are saving and investing. Include the amount you put into your 401(k), IRAs, and other retirement accounts. |
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Federal & state taxes |
Enter the amount for federal and state taxes. Include Social Security, Medicare, and local tax. Use your pay stub, or use the amount from your last year's tax return if you're using Statement II and you don't expect many changes in your taxable income. Note: Due to your decrease in income, you may be able to subtract a little. |
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Mortgage or rent |
What you pay, not including taxes and insurance. If your mortgage payment includes taxes and insurance, leave those lines blank below. |
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Home repair/maintenance |
Any maintenance and repairs on your home or apartment, condo fees, etc. |
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Property taxes |
Real estate (and in some states) personal property taxes |
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Disability Insurance |
Include any insurance premiums deducted from your paycheck |
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Life insurance |
Include any insurance premiums deducted from your paycheck |
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Home/renter's insurance |
Premium payments |
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Auto insurance |
Premium payments |
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Credit card/loan payment |
Loans other than your mortgage, including car loans and credit card payments |
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Utilities & telephone |
Water, telephone, electricity, gas, garbage, sewer, etc. |
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Food (include dining out) |
All food and restaurants |
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Clothing |
All clothes |
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Grooming |
Hair care, beauty supplies, etc. |
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Transportation |
Gas for automobiles and other modes of transportation |
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Auto repair/maintenance |
Major repairs, oil changes, new tires, etc. |
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Other transportation |
Tolls, train fare, bus fare, etc. |
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Medical care |
Medical and Dental expenses not covered by insurance, including health insurance premiums deducted from your paycheck and all other health insurance premiums. |
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Education |
Tuition and fees, room and board, meal plans, etc. |
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Child care |
All costs for babysitting and child care expenses |
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Alimony/child support |
Amounts paid |
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Entertainment |
Sporting events, hobbies, movies, etc. |
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Vacations |
Including airplane fare |
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Gifts/charitable contributions |
Gifts to charitable organizations, gifts to relatives and friends |
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Laundry/cleaning |
Amount spent |
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Other: _____________________ |
All other items of outflow unique to your situation. |
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TOTAL OUTFLOW |
Total the outflow amounts above. |
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NET CASH FLOW |
Subtract outflow from income |
