Free Personal Financial Statement
Summarise assets and liabilities to calculate your personal net worth.
What is the Personal Financial Statement?
Summarise assets and liabilities to calculate your personal net worth.
List assets such as cash, investments and property with current values, then list debts such as mortgages and loans. The statement totals each side and subtracts liabilities from assets to give net worth.
A budget works when it is simple enough to keep using. Seeing income, bills and savings side by side makes it much easier to spot where the month is going.
How to use the Personal Financial Statement
Using the personal financial statement takes a minute or two. Your entries are saved in this browser, so you can come back later and carry on.
Step 1
Replace the sample figures with your own income and spending.
Step 2
Watch the totals and the amount left over update in the preview.
Step 3
Download or print the sheet and review it again next month.
Tips for better results
Use current market values and date the statement. Lenders often ask for one when you apply for credit.
Use real figures from your bank statements, not estimates from memory.
Review the plan at the end of each month and adjust the next one.
Privacy and where your data goes
Everything you type into the personal financial statement stays on your own device. Zapxa does not receive your numbers or documents. If you clear your browser data, your saved entries will be removed, so download a PDF of anything you want to keep.
Frequently asked questions
What is net worth?
It is total assets minus total liabilities at a single point in time.
How often should I update it?
Once or twice a year works for most people, or whenever you apply for a loan.
Is the personal financial statement free?
Yes. It is free to use with no signup, no watermark and no usage limits.
Is my data private?
Yes. Your inputs are processed in your browser and saved only in its local storage. They are not uploaded to our servers.
Does it work on mobile?
Yes. Zapxa works on phones, tablets and desktops. Use the print button or download a PDF to keep a copy.
Related Budgets tools
- Family Budget Planner — Plan household income and spending by category and compare planned against actual.
- Monthly Budget Template — Build a one-month budget with income, fixed bills and variable spending in editable rows.
- Weekly Budget Template — Track weekly income and spending to keep short-term cash flow under control.
- Zero-Based Budget Worksheet — Assign every dollar of income to a category until income minus spending equals zero.
- Wedding Budget Planner — Plan wedding costs by category and track estimated, actual and remaining amounts.
- Project Budget Template — Track project costs by line item and compare the budget with actual spending.