Not a member yet?  Register for free and receive checklists and newsletters List your property for sale, read our seller tutorial, and use our online worksheets Read our complete homebuyer tutorial and use our online worksheets Search our database for homes currently for sale Contact us to ask questions, request information, or find out more about our services Take a look at related services that our partners offer
Login for complete access to our tutorials and your listings Return to Welcome Page Logout
Quick Search By Listing ID
  
hometoday.com-Update Listings Menu
Determine Your Cash Flow

Use this page to determine how much you spend each month and on what you spend it.  This helps you understand how big a monthly mortgage payment you can make each month.  The list is not all-inclusive.  For additional items, sum them and place totals in the appropriate "Other" fields below.

The first portion of the worksheet tallies expenses that are more easily determined annually. The worksheet will automatically convert annual to monthly numbers for you. The second part of the worksheet tallies expenses that are more easily estimated monthly. The worksheet excludes rent or current home mortgage payments because this calculation determines what cash you have available to pay a mortgage or rent, not your cash flow after you pay it.

This worksheet should be used as a companion to the Net Worth worksheet.  Both worksheets will help you check your financial health and gather information that a lender will require when taking a loan application.  Make sure you have documented evidence of all items you place on these worksheets.

Annual Income

Wages
Tips
Bank Interest
Dividends
Sale of Stock
Sale of Other Items You Own
Other Cash You Receive
Total Annual Income

Annual Expenses

Annual Social Security Tax (FICA)
Annual Medicare Tax
Annual Federal Income Tax
Annual State Income Tax
Annual Local Income Tax
Other Taxes
Auto Insurance
Health Insurance
Life Insurance
Disability Insurance
Other Insurance
Total Annual Expenses

Monthly Expenses

Gasoline
Car Repairs
Other Transportation Costs
Child Care
Alimony
Child Support
School Tuition
Clothes
Furniture
Groceries
Eating Out
Vacations
Entertainment
Charity
Utilities
Medical Bills
Credit Card Payments
Car Payments
Loan Payments (other than Home Mortgage)
Other Monthly Expenses
Total Monthly Expenses

Estimated Net Monthly Cash Flow

Return to Previous Page
hometoday.com-Template Footer
Terms of Service | Privacy Policy | Frequently Asked Questions | Site Map
Register | For Sellers | For Buyers | Search Homes | About Us | Contact Us | Home
©1999-2017 hometoday.com    All rights reserved
hometoday.com-Agent Logo Page

 Page 2

 Page 3