Free Financial Statement (Personal)

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Financial Statement (Personal)


For a loan
For a lease
To provide a guarantee
Personal use

Your Financial Statement (Personal)

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PERSONAL FINANCIAL STATEMENT as of ________________ ____, ________ OF _________________________ of _________________________ (the "Applicant") FOR _________________________ of _________________________


This Personal Financial Statement is being made for the purpose of: disclosing financial information to the party named above to obtain a loan.

Applicant's Personal Information
Name: _________________________
Address: _________________________
Phone: __________
Employer: _________________________
Position: _________________________
Number of years at position: _________________________

Section 1. Balance Sheet



Total Assets




Total Liabilities


Net Worth


Section 2. Annual Income/Contingent Liabilities

Annual Income


Contingent Liabilities








Legal Claims


Real Estate Income


Other Contingent Liabilities


Investment Income



Other Income



Total Annual Income


Total Contingent Liabilities


The Applicant certifies that all the information provided in this statement is true and accurate as of ________________ ____, ________. The Applicant authorizes _________________________ to make any inquiries that _________________________ feels is necessary to verify the information in this financial statement.


Personal Financial Statement

Alternate Names:

A Personal Financial Statement is also known as a:

  • Personal Balance Sheet
  • Personal Income Statement
  • Statement of Assets and Liabilities
  • Net Worth Statement
  • Net Worth Calculator

What is a Personal Financial Statement?

A Personal Financial Statement, sometimes called a personal balance sheet, is a document that details your current financial status. The main factors are your total assets and your total liabilities, which, when subtracted from each other, equal your total net worth.

Financial statements can also sometimes include the assets and liabilities of spouses to reach a combined net worth. This is commonly seen when spouses are combining finances, like if they are applying for a business loan together to fund a startup.

What are some examples of assets and liabilities?

You should include all of your assets and liabilities on your financial statement to give an accurate portrayal of your financial situation.

Some examples of assets include:

  • Cash in your bank accounts
  • Brokerage accounts
  • IRA, 401(k), and other retirement savings accounts
  • Investments
  • Accounts receivable and other income streams
  • Business inventory and equipment
  • Land or real property (without liens)
  • Special items of value like antiques and jewelry, if applicable

Some examples of liabilities include:

  • Credit card debt
  • Car loans
  • Mortgages
  • Accounts payable and other goods or services purchased on credit
  • Unpaid taxes
  • Child support payments
  • Any other liens, like money owing from a small claims judgment

Why do I need a Personal Financial Statement?

There are several situations that require personal financial reporting.

For example, if you are starting a business and require a loan, your bank will likely review your income statement to gauge your financial situation and determine what kind of interest rates you're eligible for.

The purpose of the statement is to allow the bank or loan company to see what kinds of assets you have in order to evaluate the risk of lending to you.

Other situations that sometimes require a financial statement include:

  • Applying for a lease or mortgage
  • Developing a financial plan for your estate or retirement
  • Developing a strategy to reduce income taxes
  • Identifying property during a separation or divorce proceeding

Related Documents:

  • Bill of Sale: a sales receipt that shows the transfer of ownership of an item from a seller to a buyer
  • Business Plan: a proposal that details a business's challenges, opportunities, marketing tactics, financial plans, management strategy, and more
  • Loan Agreement: a contract that records the obligations of a borrower to repay money they received from a lender
  • Personal/Corporate Guarantee: a contract where one party agrees to the responsibility of paying a second party's debt if the second party defaults on a loan
  • Promissory Note: a document describing an enforceable promise for a borrower to pay money back to a lender
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