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Free Personal Financial Statement Template — Fill Out & Download Instantly

Free — No Sign-Up RequiredPDF & WordUpdated April 13, 2026

A personal financial statement is a document that summarizes an individual's financial position at a specific point in time by listing all assets (what you own) and liabilities (what you owe). The difference between total assets and total liabilities is your net worth.

⚠️ Legal Disclaimer: This template is attorney-reviewed and built to US legal standards. It does not substitute for professional legal advice. For complex situations, we recommend consulting a licensed attorney.

Document Completeness20%
MM/DD/YYYY
$
$

Rental income, freelance, investment income, etc.

Enter the current market value of each asset

$
$
$
$
$
$

Jewelry, collectibles, business interests, life insurance cash value, etc.

Enter the current outstanding balance of each debt

$
$
$
$
$

Personal loans, medical debt, tax obligations, etc.

What Is a Personal Financial Statement?

A personal financial statement is a document that summarizes an individual's financial position at a specific point in time by listing all assets (what you own) and liabilities (what you owe). The difference between total assets and total liabilities is your net worth. Banks, lenders, and business partners commonly require personal financial statements when evaluating loan applications, business financing, or partnership opportunities.

When Do You Need It?

You need a personal financial statement when applying for a business loan or SBA loan, seeking a mortgage or line of credit, applying for a commercial lease, entering a business partnership where financial disclosure is required, preparing for divorce proceedings, or simply tracking your net worth for personal financial planning. Banks and the SBA have their own forms, but this template follows the same general format..

What's Included in This Template

  • Personal identification and employment information
  • Comprehensive asset categories (cash, investments, real estate, vehicles, retirement)
  • Major liability categories (mortgage, auto, credit cards, student loans)
  • Automatic net worth calculation layout
  • Purpose selection for context
  • Income information
  • Professional formatting accepted by lenders
  • Signature and certification block

How to Fill It Out

1
Enter Personal Information — Fill in your full legal name, address, date of birth, and current employer. This identifies you as the person making the financial disclosure.
2
List Your Income — Enter your annual income from your primary job and any other income sources (rental income, freelance work, investments, etc.).
3
Document Your Assets — List the current value of all your assets: cash and savings, investments, real estate, vehicles, retirement accounts, and any other assets. Be accurate and conservative in your estimates.
4
List Your Liabilities — Enter the current balance of all debts: mortgage, car loans, credit card balances, student loans, and any other liabilities. Your net worth will be calculated as total assets minus total liabilities.

Legal Requirements & Notes

Personal financial statements are legal documents used in lending and business contexts. Key considerations:

  • Accuracy: Knowingly providing false information on a personal financial statement submitted to a bank or lender may constitute bank fraud under federal law (18 U.S.C. Section 1344), punishable by fines and imprisonment.
  • SBA Requirement: The Small Business Administration requires SBA Form 413 (Personal Financial Statement) for all loan applicants with 20% or more ownership in the business.
  • Fair Lending: Under the Equal Credit Opportunity Act (ECOA), lenders must apply the same financial statement requirements to all applicants regardless of race, color, religion, national origin, sex, marital status, or age.
  • Community Property: In community property states (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, Wisconsin), assets and debts acquired during marriage may be considered jointly owned regardless of whose name they are in.
  • Valuation: Use current fair market values for assets, not purchase prices or insured values. Overvaluing assets on a financial statement submitted to a lender could be considered fraud.
  • Privacy: Personal financial statements contain sensitive information. Store securely and share only with authorized parties.

    • Frequently Asked Questions

    A personal financial statement summarizes your financial position (assets, liabilities, and net worth) and is most commonly required when applying for business loans, SBA loans, mortgages, or commercial credit. Banks use it to evaluate your creditworthiness and ability to repay. It's also useful for personal financial planning and tracking your net worth over time.

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    Free Personal Financial Statement Template (2026) — Net Worth Calculator | FormDraft | FormDraft