Does Excel Have a Personal Financial Statement Template?

December 10, 2025Uncategorized5 min read

Yes, Excel does have personal financial statement templates, but they are not available by default on every version of Excel. Microsoft offers several downloadable templates through its online template library, and many users also create or customize their own. These templates help individuals track assets, debts, income, and net worth in a clear, organized format.

What Templates Does Excel Offer for Personal Financial Statements?

Excel provides a few options, depending on your version and access:

1. Net Worth Statement Template

This template calculates your net worth by subtracting liabilities from assets and includes sections for:

Cash and bank accounts
Investments
Property and personal assets
Credit cards
Loans and other debts

2. Personal Monthly Budget Template

While not a full financial statement, this template helps track recurring income and expenses, which you can use to populate a full personal financial statement.

3. Personal Financial Management Template

This option combines budgeting, spending summaries, and financial goals into one workbook.

If your Excel version doesn’t show these templates, you can search for them by clicking File → New, then typing “financial statement”, “net worth”, or “personal finance” in the search bar.

What If Your Version of Excel Doesn’t Include These Templates?

Some desktop versions of Excel—especially older ones—do not include a ready-made personal financial statement template. In this case, you have three alternatives:

Build Your Own

Excel makes it easy to create a custom template with:

Asset and liability tables
Automated net worth calculations
Charts to track financial progress

Download a Template from Microsoft Office Online

Microsoft hosts free templates on its official template marketplace, accessible through any browser.

Use Templates Created by Accounting Firms or Financial Advisors

These offer more detailed sections for:

Investment holdings
Retirement accounts
Business ownership
Real estate portfolios

These professionally designed templates are especially useful for individuals preparing bank applications or working with a CPA.

Need a Custom Personal Financial Statement?

If you want a clean, professional template for bank applications, investment planning, or net-worth reporting, Dimov Audit can build a custom Excel template tailored to your financial situation.

Need help? Contact us today for expert financial planning support.