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Financial Statement Analysis Spreadsheet

Financial Statement Analysis Spreadsheet – A fundamental step to be able to improve your financial situation is to have your own balance sheet. In this sheet, you can manage all your liabilities, assets and therefore your income and expenses.

Then I leave a link where you can find this balance sheet in Excel format.

Let’s start by differentiating LIABILITIES from ASSETS.

  1. Liabilities: They are all things that do not take money out of our pockets.
  2. Assets: They are all things that do not give money to our pocket

For a logical reason, LIABILITIES lead to EXPENSES (of money) and ASSETS to INCOME

That is why in the form we have INCOME, EXPENSES, LIABILITIES and ASSETS.

Now I will briefly explain what we should put in each category.


For those who are just starting out or the younger ones, they may just fill in the boxes that says “salary”, there is a fair way to put them to work and to the side.

Then we have “interests”, “dividends”, “real estate” and “business”. This is for those who are with businesses, houses and others and these in INCOME.

Next to this category is automatically calculated ACTIVE INCOME (Our salary) which is produced thanks to our work, is the ingredient and if not for us, we would not have. Easier, try a year at work and see if they continue to earn their salary. THIS IS ACTIVE INCOME.

Instead a home, with copper we earn what a renter pays rent, no matter if we are working, playing golf, traveling in China. This income is a PASSIVE INCOME because it does not depend on our work to be generated.

Then, under the Passive Income, is the TOTAL INCOME, which is easier Passive Income plus Active Income.


This point is closely linked to the bottom right box that is LIABILITIES, what other expenses, how to add expenses, how to go to the gym. But what about debts, loans, etc?

This is very simple and I will put an example:

In case we ask for a loan for a car, we must put in the LIABILITIES box, the total of this loan, let’s make $ 10,000 account.

Once I have this, we put in the EXPENSES box, how many we pay per month, let’s now count $ 100 per month. And so a means that spend the months, we are paying the $ 100 and changing the loan by subtracting $ 100 every month. The first month I change it to $ 9,900, the other to 9,800, we continue like this until we finish paying everything or if we want we can pay all of one’s debt and we’ll have every month $ 100 more, because we owe nothing. Was understood

So in summary, the EXPENSES would be like the “monthly” payment (putting the example above) of some LIABILITY. Then we must remember to change the amount of LIABILITY as we are paying every month part of it.


This is the word you should memorize, understand and apply NOW!

“Active is everything that gives us income in our pocket.”

Here is the same as liabilities, but this would be the “good” part. We simply put what assets we have in our life, we must put something for what we paid initially and what is the total cost to pay.


We bought a local rental DVD, in total we get $ 10,000 and we put $ 5000 down payment. Then in INITIAL PAYMENT we put $ 5000 and in COST we put $ 10,000. On the other side in LIABILITIES, we must put the total that we borrowed, for example the $ 5000 we did not have and we borrowed and so we go month by month paying this until it is 0.

Now, once we have our ACTIVE, we must see when we will give income. Then it is very simple, if we follow the example of the local DVD, that is not going to give every day between expenses, payments and others, a clean $ 400. So very simple, we put in “business” within INCOME the $ 400 and there is, extra money for which we do not work.

From this form you can see 2 things, now the box of INCOME PASSIVE will show us the sum of all that our assets give us, and this is a good addition to our salary, thus generating the TOTAL INCOME.


At this point there is not much to explain and it was clarified within Expenses.

But just the LIABILITIES would be all things things that do not take money out of our pocket in a fixed way until we can get it out of our love, a mortgage, a loan, a debt with someone, payment of the cards, the car, etc. This is influential with the EXPENSES box. If we have LIABILITIES, we have EXPENSES.


All income from money that comes from our businesses, investments, real estate, stocks, etc.


There is no message because it is the “Salary”. It is that money that comes from our work and effort.




Obviously they are our expenses


It is the result in the TOTAL OF INCOME minus the EXPENSES, it is the money that does not spare each month.

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