Household Financial Statement
Cash Flow & Net Worth Worksheet
Income Sources
Enter exact pay amounts. Choose Gross if the figure is before tax, Net if it's take-home. Pick the frequency it's actually paid — we'll convert to a monthly figure ourselves.
Income Statement MONTHLY · NET
Total Monthly Net Income
Total Fixed Expenses
Total Variable Expenses
Net Cash Flow
Balance Sheet AS OF TODAY
Total Assets
Total Liabilities
Net Worth
Key Ratios DIAGNOSTIC
Bottom Line
Your Action Plan PLAIN LANGUAGE
Tax estimate uses 2026 federal brackets plus all 10 provincial brackets, basic personal amounts, CPP/QPP, CPP2/QPP2, EI, and QPIP for Quebec. It does not include provincial surtaxes (ON), the BC low-income reduction, RRSP or other deductions, or non-refundable credits beyond the basic personal amount — treat as a planning estimate, not a payroll-accurate number. Territories (YT, NT, NU) are not included. GDS uses Shelter + Utilities as a proxy for principal, interest, taxes and heat. TDS adds Debt Service and Transportation > Payments. Standard lender guideline: GDS ≤ 39%, TDS ≤ 44% (insured deals can run lower). Confirm exact figures with the client's Notice of Assessment and pay stubs before using this in an underwriting conversation.