Financial/Budget Templates

Personal Income Statement

This template provides a listing of all the budget items (income and expense) you’ll need to account for.  Enter your information for the current year and let the inflation factor column, which is based on historical data from the Bureau of Labor and Statistics (BLS), calculate your forecasted expenses for the upcoming year.

Note:  If prompted when you open the file, please click on the Enable Editing, Macros or Content button before entering data

Download Personal Income Statement (MS Excel Spreadsheet)

Retirement Income Statement

This schedule takes the Personal Income Statement and allows the user to enter estimated expenses, in current dollars, for a retired couple who no longer has all the expenses associated with housing, transportation, children, etc.  Utilization of this schedule is provided, with examples and assumptions for calculating retirement expenses, in Chapter 4 of Climbing the Financial Mountain.

Note:  If prompted when you open the file, please click on the Enable Editing, Macros or Content button before entering data

Download Retirement Income Statement (MS Excel Spreadsheet)

Personal Balance Sheet

A balance sheet tells you how much you’re worth. To arrive at this number, you take your assets and subtract your liabilities/debts. The asset side includes your personal residence, vacation home, investment property, retirement accounts (e.g., 401ks, IRAs, etc.), taxable/nonretirement accounts, etc. The liability side includes all the money you owe (e.g. credit cards, auto, home, student loans, etc.).

Note:  If prompted when you open the file, please click on the Enable Editing, Macros or Content button before entering data

Download Personal Balance Sheet (MS Excel Spreadsheet)