9+ Personal Financial Statement Templates & Forms (Excel & PDF)

A personal financial statement shows your financial position at any one time. Created in a financial statement spreadsheet or format can help you plan your finances accordingly if you utilize the information well. Typically, the statement includes details your name, address, assets alongside their net worth, liabilities together with their worth as well as the sum of your assets and liabilities.

To understand personal financial statements in-depth as a beginner, it’s a good idea to examine as many as personal financial statement examples and templates as you can. With that said, here are some examples and templates of personal financial statements in MS Excel and PDF formats to help you get the idea of personal financial statements.

Bank Personal Financial Statement

Blank Personal Financial Statement

Business loan Personal Financial Statement

Personal financial statement in Excel is a method of creating a personal financial statement, using Microsoft’s Excel program.

Certification of Personal Financial Statement

Commercial Loan Personal Financial Statement

Commercial term lending personal financial statement can be defined as a document showing the details of a financial lending contract between you and a lending institution with you as the borrower and the bank as the lender. It entails the terms and conditions under which the lending contract is subject to.

Generic Personal Financial Statement

Personal Financial Statement Template

Personal Financial Statement Form

Personal financial statement form can be defined as a form outlining an individual’s financial position at a given point in time.

Simple Personal Financial Statement

Small business Financing Personal Financial Statement

A small business financing statement is a document filed by a lender as a public notice of its security interest in a property of the borrower, which is pledged as collateral. It shows the financing arrangement between the lender for the borrower.

Having a personal financial statement can go a long way in your financial planning goals. Apart from that, it can enhance your decision-making efforts, making sure you don’t make financial decisions that you will later regret. Furthermore, a personal financial statement can be one of the key documents required in order for you to get credit from creditors. Last but not least, this statement can help you catch costly financial mistakes and prevent potential future ones, thus repairing your financial mess.

Your accountant may prepare financial statements as ordered by you. Knowing how to analyze those statements can go a long way in making the appropriate decision with the information you’ve received. Having said that, here is how to analyze your personal financial statements:

Look at the two key sections on your personal financial statements i.e. the net cash flow section and the balance sheet section. You can gain a wealth of information regarding your financial state just by analyzing the cash flow section. Study the section to notice if your net cash flow in a particular duration is positive or negative. If the cash flow is positive, that would be a good sign, that you are in a healthy financial state. In that case, you should use the money to acquire more assets or pay off liabilities. However, if the cash flow is negative, that should be a warning signal of the fact that you are in a risky financial position. Keeping that in mind, you should evaluate your spending and adjust it accordingly to make your cash flow positive.

Personal financial statements can be used in; 

• Applying for a personal loan. 
• Applying for business financing or loan.
• Creating and analyzing a budget.
• Trying to gain financial knowledge and education.