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Monthly Cash Flow Statement

Enter your monthly expenses. Any annual or occasional expenses should be divided by 12 and entered as a monthly expense. In the book I recommend that you keep track of all of your expenses for at least one month, preferably three months. You can download this form as a guide. If you regularly keep track of your monthly expenses, you might be able to fill in this form accurately now. At the bottom of the next page, enter your total monthly income.

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Category Monthly Cost

Home

Mortgage, rent or maintenance fees
Home & property maintenance
Property tax
Property insurance
Heating, electricity, water/sewer

Household Expenses

Food (dining out goes under Entertainment in Miscellaneous)
Lunches
Telephone
Computer, Internet service and cable
Online subscriptions & magazines
General household supplies
Furnishings, equipment & appliances

Loans & Credit Cards

Credit card payments on outstanding balance
Loan payments other than mortgage and car

Personal

Clothing
Laundry & dry cleaning
Life and disability insurance
Toiletries

Medical

Insurance (government and non-government)
Prescription and non-prescription drugs
Dentist
Optician & glasses
Other treatments

Transportation

Car payments
Insurance/licence
Car maintenance
Taxis, parking, bus, subway, car share

Miscellaneous

Club fees
Entertainment
Vacations/vacation home
Alcohol
Special occasions: birthdays, holidays, etc.
Donations and gifts
Children's allowances, lessons, sports & daycare
Education
Income tax (if not deducted from wages)
RRSPs
Other savings & investment money
Other expenses

Total Monthly Expenses:

Enter Your Total Monthly Income:

Total Monthly Difference:

  

Download all forms
Cash Flow Statement | Personal Balance Sheet | When I Retire