Personal Financial Statement Template
Download a free personal financial statement template to organize your assets and liabilities. Available in Excel and PDF formats.
Note: These are basic free templates. For a professional, lender-accepted statement, we recommend generating one automatically.
What's Included in This Template?
This personal financial statement template is designed to meet the requirements of most major banks (Chase, Wells Fargo, Bank of America) and commercial lenders. It includes sections for:
Assets (What You Own)
- • Cash & Bank Accounts
- • Real Estate Holdings
- • Retirement Accounts (IRA, 401k)
- • Stocks & Bonds
- • Business Interests
Liabilities (What You Owe)
- • Real Estate Mortgages
- • Credit Card Debt
- • Notes Payable
- • Unpaid Taxes
- • Other Liabilities
Stop Filling This Out Manually
Downloading a template is a good start, but you'll have to do it all over again next year (or next quarter). StatementsReady connects to your bank accounts to update your assets and liabilities automatically.
Auto-Fill My StatementFrequently Asked Questions
What is a Personal Financial Statement?
A Personal Financial Statement (PFS) is a document that outlines an individual's financial position at a specific point in time. It lists assets (what you own), liabilities (what you owe), and calculates your net worth. Lenders require this document for business loans, commercial real estate financing, and personal guarantees.
How often should I update my Personal Financial Statement?
If you are an active investor or business owner, you should update your PFS quarterly or semi-annually. However, most banks will require a fresh statement (dated within the last 90 days) for any new loan application or annual review.
Can I use this template for SBA loans?
While this template covers the same data points, the SBA specifically requires SBA Form 413. We recommend using our specific SBA Form 413 template or using StatementsReady software to generate the official form automatically.