Personal Financial Statement Template
Track your assets, liabilities, and net worth with a simple, customizable spreadsheet.
Your financial journey starts with clarity.
A Personal Financial Statement (PFS) gives you an honest, organized snapshot of what you own, what you owe, and where you stand today.
This easy-to-use tool helps you see your full financial picture in one place, so you can make confident decisions and move forward with purpose.
Why You Need a Personal Financial Statement
You can’t improve what you don’t measure.
A PFS is the foundation of Step 2 in the Anti-preneur KICKSTART™ Framework because it replaces guesswork with truth.
Most professionals make decisions based on assumptions:
“I think my net worth is…”
“I should have enough saved…”
“I’m probably doing fine…”
This tool gives you clarity, not assumptions, helping you see whether your financial growth is real or just the result of lifestyle inflation.
When you treat your finances like The Business of You, this is your starting balance sheet.
What’s Inside the Template
This simple tool includes everything you need to organize your financial picture:
Assets: Cash, investments, retirement accounts, real estate, savings vehicles, and any items of value.
Liabilities: Mortgages, student loans, car loans, credit card balances, personal loans, and obligations owed.
Net Worth (Auto-Calculated): Your assets minus liabilities, giving you a clean view of your current financial position.
The template is fully editable, easy to update, and designed for professionals at any stage of their financial journey.
Important Notes About Your Numbers
Not all assets are created equal. Some can be accessed quickly; others are tied up, illiquid, or come with penalties if accessed early.
This template helps you distinguish between:
Liquid assets — accessible money you can use now
Long-term assets — valuable, but not immediately spendable
Restricted assets — retirement accounts or investments with penalties
Understanding this helps you see the difference between paper net worth and usable wealth, so your decisions are grounded in reality.
How to Use the Tool
You don’t need financial expertise — just honesty and consistency
Download the spreadsheet.
List your assets in the pre-labeled categories or add your own.
List your liabilities, including any recurring obligations.
Watch your net worth calculate automatically.
Update it monthly, quarterly, or annually to track your progress.
Pair this with your Cash Flow Statement and Asset Protection Plan to complete the full Step 2 toolkit.
Who This Template Is For
This resource is ideal for anyone who wants to:
Understand their true financial starting point
Track progress toward financial independence
Make informed career or money decisions
Stay organized with a clear, simple structure
Begin Step 2 of the KICKSTART™ Framework with confidence
If you’ve ever wondered “Where do I actually stand financially?”, this template gives you the answer.
Start Tracking Your Financial Foundation
Clarity creates confidence.
Download your Personal Financial Statement template and take the first step toward mastering The Business of You.
