Step 4 of 6
Your numbers
It may feel scary at first, but knowing your numbers is the best way to take control of your money. This is your starting point. Use one typical month. If your income changes month to month, use your average. Leave a line blank if it doesn't apply.
Your cash flow statement
Monthly income
Monthly expenses
Cash flow (income − expenses)
Fill in your numbers to see your result.
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Prefer a spreadsheet?
Track your cash flow month after month in Google Sheets.
Your net worth statement
Assets (what you own)
Liabilities (what you owe)
Net worth (assets − liabilities)
Fill in your numbers to see your result.
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Have a loan?
See its real interest rate and total cost before you borrow again, with the free Loan Interest Calculator.