Sample
Net Worth
ASSETS
CASH ASSETS
Checking Accounts
Savings Accounts
TOTAL CASH ASSETS
Date: 5/5/2014
VALUE
% OF TOTAL
$1,800
$9,200
$11,000
0%
1%
1%
INVESTMENT ASSETS
Fidelity Roth IRA
Vanguard IRA
Intel 401(k)
TD Ameritrade Taxable Account
Oregon 529 College Savings Plan
TOTAL INVESTMENT ASSETS
$22,000
$145,000
$290,000
$120,000
$55,000
$632,000
2%
15%
29%
12%
6%
63%
PERSONAL ASSETS
Primary Residence
Vehicles
TOTAL PERSONAL ASSETS
$320,000
$32,500
$352,500
32%
3%
35%
TOTAL ASSETS
$995,500
100%
LIABILITIES
Mortgage(s)
Student Loan(s)
Vehicle Loan(s)
Credit Card(s)
TOTAL LIABILITIES
VALUE
% OF TOTAL
$185,000
19%
$11,500
1%
$9,000
1%
$14,000
1%
$219,500
22%
NET WORTH
VALUE
TOTAL NET WORTH
$776,000
COMMENTS
% OF TOTAL
78%
RATIOS
Propensity To Borrow (total liabilities divided by total assets)
Propensity To Accumulate (net worth divided by number of
working years)
22%
$26,759
per year
Of total assets, 78% owned, 22% is owed against
Debt
CREDITOR
American Express
Visa
Discover
2009 Accord
Sallie Mae
Sample
TYPE OF DEBT
Credit Card
Credit Card
Credit Card
Vehicle Loan
Student Loan
TOTALS
BALANCE
DUE
$3,200
$3,800
$7,000
$9,000
$11,500
$34,500
INTEREST MONTHLY
RATE
PAYMENT
11.90%
$95
13.90%
$90
9.50%
$135
4.00%
$585
4.80%
$97
$1,002
ANNUAL
AMOUNT
$1,140
$1,080
$1,620
$7,020
$1,164
$12,024
PAYOFF
DATE
Dec 2017
May 2019
Feb 2020
Oct 2015
Dec 2027
TOTAL
TOTAL REMAINING
COST
INTEREST PAID
$714
$3,914
$1,448
$5,248
$2,047
$9,047
$255
$9,255
$4,121
$15,621
$8,585
$43,085
COMMENTS
Income
Sample
TYPE OF INCOME
Gross salary
Gross salary
TOTAL GROSS INCOME
MONTHLY
$6,250
$1,100
$7,350
ANNUAL
TOTAL ANNUAL
$75,000
$13,200
$88,200
COMMENTS
TOTAL ANNUAL
$19,320
$19,320
COMMENTS
Taxes
PAYEE
Total
MONTHLY
WITHHOLDING
$1,610
TOTAL TAX
$1,610
QUARTERLY
ESTIMATES
Sample
Spending - Page 1
CATEGORY
CHARITABLE GIFTS
Irregular Gifts
TOTAL CHARITABLE GIFTS
HOUSING
Mortgage Payment
Real Estate Taxes
Homeowner's Insurance
Property Improvements/Upkeep
TOTAL HOUSING
NONMONTHLY
MONTHLY (ANNUAL)
$2,000
$2,000
TOTAL
ANNUAL
AMOUNT
$2,000
$2,000
$1,290
$325
$80
$62
$1,757
$15,480
$3,900
$960
$744
$21,084
UTILITIES
Natural Gas
Electric
Water/Sewer
Trash
Phone (including mobile)
Internet
TOTAL UTILITIES
$140
$65
$60
$45
$115
$42
$467
$1,680
$780
$720
$538
$1,380
$504
$5,602
FOOD
Groceries
Meals Out
TOTAL FOOD
$400
$500
$900
$4,800
$6,000
$10,800
$585
$370
$110
$100
$1,165
$7,020
$4,440
$1,320
$1,200
$13,980
TRANSPORTATION
Car Payments
Gas
Auto Insurance
Maintenance, Repairs, Tires
TOTAL TRANSPORTATION
COMMENTS
Sample
Spending - Page 2
CATEGORY
CLOTHING
Adults
TOTAL CLOTHING
MEDICAL/HEALTH
Health Insurance
Unreimbursed Medical and Dental
Medications
TOTAL MEDICAL/HEALTH
RECREATION
Entertainment
Vacation/Travel
TOTAL RECREATION
MISCELLANEOUS
Life Insurance
Personal Care (Hair, Cosmetics, etc.)
Birthday/Other Gifts
Pet Expenses
Hobbies
Memberships and Dues
Miscellaneous Expenses
TOTAL MISCELLANEOUS
NONMONTHLY
MONTHLY (ANNUAL)
TOTAL
ANNUAL
AMOUNT
$50
$50
$600
$600
$200
$150
$25
$375
$2,400
$1,800
$300
$4,500
$50
$50
$1,000
$1,000
$85
$125
$600
$75
$150
$55
$250
$740
$600
$600
$1,000
$1,600
$1,020
$1,500
$600
$900
$1,800
$660
$3,000
$9,480
COMMENTS
Sample
Spending - Page 3
CATEGORY
DEBTS
American Express
Visa
Discover
2009 Accord
Sallie Mae
TOTAL DEBTS
TOTAL SPENDING
NONMONTHLY
MONTHLY (ANNUAL)
TOTAL
ANNUAL
AMOUNT
$95
$90
$135
$1,140
$1,080
$1,620
$97
$1,164
$417
$5,004
COMMENTS
Amount included above in transportation/car payments
$5,921
$3,600
$74,650
Sample
Cash Flow Analysis
GROSS INCOME
TOTAL GROSS INCOME
MONTHLY
AMOUNT
$7,350
ANNUAL
AMOUNT
$88,200
% OF GROSS
INCOME
100%
TAXES
TOTAL TAXES
MONTHLY
AMOUNT
$1,610
ANNUAL
AMOUNT
$19,320
% OF GROSS
INCOME
22%
NET INCOME
TOTAL NET INCOME
MONTHLY
AMOUNT
$5,740
ANNUAL
AMOUNT
$68,880
% OF GROSS
INCOME
78%
SPENDING
Charitable Gifts
Housing
Utilities
Food
Transportation
Clothing
Medical/Health
Recreation
Miscellaneous
Debt (Minimum Payments)
TOTAL SPENDING
MONTHLY
AMOUNT
$167
$1,757
$467
$900
$1,165
$50
$375
$133
$790
$417
$6,221
ANNUAL
AMOUNT
$2,000
$21,084
$5,602
$10,800
$13,980
$600
$4,500
$1,600
$9,480
$5,004
$74,650
% OF NET
INCOME
3%
31%
8%
16%
20%
1%
7%
2%
14%
7%
108%
CASH FLOW SURPLUS
(NET INCOME - SPENDING)
CASH FLOW SURPLUS
MONTHLY
AMOUNT
-$481
ANNUAL
AMOUNT
-$5,770
% OF NET
INCOME
-8%
CASH FLOW SURPLUS USAGE
Saving for emergency fund
Extra for debt payments
Saving for major cash purchases
Saving for retirement
Saving for college
Paying off home mortgage early
Saving for other long-term goals
TOTAL
SPENDING VS. RECOMMENDED
Charitable Gifts
Housing
Utilities
Food
Transportation
Clothing
Medical/Health
Recreation
Miscellaneous
Debt
Savings
Unallocated
MONTHLY
AMOUNT
ANNUAL
% OF NET
AMOUNT
INCOME
$0
0%
N/A (enter in debt worksheet)
$0
0%
$0
0%
$0
0%
$0
0%
$0
0%
$0
$0
0%
ACTUAL %
2.9%
30.6%
8.1%
15.7%
20.3%
0.9%
6.5%
2.3%
13.8%
7.3%
0.0%
-8.4%
RECOMMENDED %
10+%
25-35%
5-10%
5-15%
10-15%
2-7%
5-10%
5-10%
5-10%
0%
10-15%
0%