Cash Flow Analysis  
Managing debt and maintaining your lifestyle over the long term is challenging. Without a reasonable budgeting plan, it is difficult to effectively manage spending. This Cash Flow Analysis form can help you compare your income to your expenses to determine your net cash flow.
     

Income:
(In the spaces below, write down all your sources of income.
Convert annual and quarterly figures to monthly numbers.)

Salary

$

Alimony, child support

$

Dividends from investments

$

Interest on savings accounts, CDs, etc.

$

Social Security benefits

$

Retirement plan/pension income

$

Other income

$


Expenses:
(Write down the anticipated amounts of your expenditures.
Convert annual and quarterly figures to monthly figures.)

Mortgage payment or rent

$

Groceries

$

Utilities

$

Entertainment, recreation, and dining

$

Insurance

$

Medical (not covered by insurance)

$

Education

$

Vacation

$

Gifts

$

Loan payments (auto, student, etc.)

$

Auto (gas, maintenance, etc.)

$

Credit card payment

$

Clothing

$

Dues and subscriptions

$

Home improvement

$

Charitable contributions

$

Federal taxes

$

State taxes

$

FICA (Social Security)

$

Other taxes

$

Other expenses

$
 
   
   
Gemini Financial Services, Inc.
8373 Piney Orchard Parkway Suite 100 • Odenton, MD • 21113
Phone: 410-672-5500 or call us Toll free
1-866-GEMINI2 (436-4642)		 • Fax: 410-672-7900
• dmagayna@gemini-advisors.com

Securities and Investment Advisory Services offered through H Beck, Inc., Member FINRA/SIPC.

Gemini Financial Services, Inc. and H Beck, Inc are unaffiliated companies.

We are licensed to offer securities and investment advisory services in MD, NY, PA, CO, KS and WV. We are licensed to offer insurance products in MD,  PA, NY, OH and WV. No services, investment or insurance products are offered outside of those states.

Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP®, Certified Financial Planner™, and Extra small flame logo in the U.S., which it awards to individuals who successfully complete CFP Boards initial and ongoing certification requirements.