Financial

Planning
Templates
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How to Use These Templates:
Thank you for downloading HubSpot's Financial Planning Templates! Use these spreadsheets
to plan your finances, from tracking spending to calculating profit.

Here's how to use each template:

Personal Finances Template: Track your income, expenses, and savings all in one place t
get a clear view of your financial health.

Spending Allocation Template: Automatically allocate your income across essential

categories based on preset percentages and keep your spending on track.

Financial Projection Template: Plan for future financial outcomes by forecasting your
income, expenses, and savings over time.

Profit & Loss (P&L) Statement: Monitor your business’s profitability by tracking revenue,
costs, and net income.

Cash Flow Statement: Visualize how money flows in and out of your accounts to manage
liquidity effectively.

Balance Sheet: Summarize your assets, liabilities, and equity to assess your overall
financial position.

Stock Portfolio Tracker: Keep tabs on your investments by tracking stock prices,
 Personal Finances Tracker
Category Planned Actual Difference
Income 0
Salary 0
Side Hustle 0
Other Income 0
Total Incom $0.00 $0.00 $0.00
Expenses 0
Rent/Mortage 0
Utilities 0
Groceries 0
Transportation 0
Entertainment 0
Other Expenses 0
Total Expen $0.00 $0.00 $0.00
Savings $0.00
 Spending Allocation Template
Income $0
Category PercentageAllocated AmoActual SpendDifference
Needs (50%) 50.00% $0.00 $0.00
- Rent/Mortage 30.00% $0.00 $0.00
- Utilities 10.00% $0.00 $0.00
- Groceries 10.00% $0.00 $0.00
- Other Needs 0.00% $0.00 $0.00

Wants (30%) 30.00% $0.00 $0.00

- Entertainment 15.00% $0.00 $0.00
- Dining Out 15.00% $0.00 $0.00
- Other Wants 0.00% $0.00 $0.00

Savings/Debt (20% 20.00% $0.00 $0.00

- Emergency Fund 10.00% $0.00 $0.00
- Debt Repayment 10.00% $0.00 $0.00
Total 100.00% $0.00 $0.00 $0.00
 Financial Projection Tem
Projections
January February March April May June
Units Sales 10,000 8,000 6,000 6,000 7,000 6,000
Avg. Revenue Per U $600 $600 $500 $500 $500 $500
Total Revenue ### ### ### ### ### ###

Actuals
January February March April May June
Units Sales 10,497 7,994 4,900 6,108 7,309 6,767
Avg. Revenue Per U $633 $601 $550 $540 $480 $452
Total Revenue ### ### ### ### ### ###

Variance
January February March April May June
Units Sales 497 -6 -1,100 108 309 767
% Difference 4.97% -0.08% -18.33% 1.80% 4.41% 12.78%
Avg. Revenue Per U $33.00 $1.00 $50.00 $40.00 -$20.00 -$48.00
% Difference 5.50% 0.17% 10.00% 8.00% -4.00% -9.60%
Total Revenue $644,601 $4,394 -$305,000 $298,320 $8,320 $58,684
% Difference 10.74% 0.09% -10.17% 9.94% 0.24% 1.96%
rojection Template

July August SeptemberOctober NovemberDecemberTotal

4,000 4,000 7,000 7,000 5,000 8,000 78,000
$500 $500 $400 $300 $300 $600 $494
### ### ### ### ### ### ###

July August SeptemberOctober NovemberDecemberTotal

2,801 5,187 7,800 8,100 3,799 7,601 78,863
$680 $450 $299 $314 $330 $550 $489
### ### ### ### ### ### ###

July August SeptemberOctober NovemberDecemberTotal

-1,199 1,187 800 1,100 -1,201 -399 863
-29.98% 29.68% 11.43% 15.71% -24.02% -4.99% 1.11%
$180.00 -$50.00 -$101.00 $14.00 $30.00 -$50.00 -$4.67
36.00% -10.00% -25.25% 4.67% 10.00% -8.33% 0.15%
-$95,320 $334,150 -$467,800 $443,400 -$246,330 -$619,450 $57,969
-4.77% 16.71% -16.71% 21.11% -16.42% -12.91% 0.15%
 Profit & Loss Statement

Month/Year 2025

Sales
Description Amount Notes
Sales ###
Cost of Goods Sold ###
Gross Profit ###

Operating Expenses
Description Amount Notes
Expense $5,000.00
Expense $5,000.00
Expense $5,000.00
Expense $5,000.00
Expense $5,000.00
Expense $5,000.00
Expense $5,000.00
Expense $5,000.00
Total Expenses ###

Income Before Ta ###

Income Tax $50,000.00

Net Profit (Loss) ###

 Cash Flow Statement

Date 12/31/2025

Cash at Beginning of Period $ 1,000,000

Operating Activity
Description Amount
Cash Receipts (Enter as a positive)
Sales $ 500,000
Collection of Accounts Recievab $ 500,000
Other Operating Activity $ 500,000
Other Operating Activity $ 500,000
Total Cash Receipts $ 2,000,000
Cash Payments (Enter as a negative)
Inventory $ (300,000)
Interest $ (100,000)
Taxes $ (500,000)
Wages $ (300,000)
Other Operating Activity $ (100,000)
Total Cash Payments $ (1,300,000)
Net Cash Flow From Operati $ 700,000

Investing Activity
Description Amount
Cash Receipts (Enter as a positive)
Sale of Property/Equipment $ 100,000
Sale of Securities $ 20,000
Loans Collected $ 30,000
Sale of Other Investment $ 50,000
Total Cash Receipts $ 200,000
Cash Payments (Enter as a negative)
Purchase of Property/Equipment$ (500,000)
Purchase of Securities $ (20,000)
Loans Made $ (60,000)
Purchase of Other Investment $ (20,000)
Total Cash Payments $ (600,000)
Net Cash Flow From Operati $ (400,000)

Financing Activity
Description Amount
Cash Receipts (Enter as a positive)
Stock Issued $ 10,000
Loans Collected $ 50,000
Other Payment $ 10,000
Other Payment $ 30,000
Total Cash Receipts $ 100,000
Cash Payments (Enter as a negative)
Stock Repurchased $ (500,000)
Dividends Paid $ (10,000)
Loans Repaid $ (50,000)
Other Financing Expense $ (40,000)
Total Cash Payments $ (600,000)
Net Cash Flow From Financi $ (500,000)

Cash On-Hand at End of Period $ 800,000

Net Change in Cash $ (200,000)

 Balance Sheet

[Date]

Assets Liabilities + Equity

Current Assets Current Liabilities

Description Amount Description Amount
Cash $ 5,000 Accounts Payable $ 5,000
Accounts Receivabl $ 5,000 Wages payable $ 5,000
Inventory $ 5,000 Interest Payable $ 5,000
Investments $ 5,000 Tax Payable $ 5,000
Additional Asset # $ 5,000 Additional Liability #1 $ 5,000
Additional Asset # $ 5,000 Additional Liability #2 $ 5,000
Total Current Ass $ 30,000 Total Current Assets $ 30,000

Property, Plant & Equipment Long-Term Liabilities

Description Amount Description Amount
Land $ 5,000 Notes Payable $ 5,000
Buildings $ 5,000 Additional Asset #1 $ 5,000
Equipment $ 5,000 Additional Asset #2 $ 5,000
Accum. Depreciatio $ (5,000) Total Current Assets $ 15,000
Total PP&E $ 10,000
Total Liabilities ###
Other Assets
Description Amount Equity
Intangible Assets $ 5,000 Description Amount
Additional Asset # $ 5,000 Stock $ 5,000
Additional Asset # $ 5,000 Retained Earnings $ 5,000
Additional Asset # $ 5,000 Additional Equity Source $ 5,000
Total Other Asset $ 20,000 Total Equity $ 15,000

Total Assets ### Total Liabilities + Equ ###

 Stock Portfolio Tracker
Portfolio Value $5,708 To update the Current Price, double-click the
cell and replace the stock symbol in the formula
Total Gain/Loss $109 with your own.

Stock Symbol Shares OwnPurchase PriceCurrent PriceTotal Value

AAPL 1.00 $200.00 $198.15 $198.15
TSLA 2.00 $300.00 $252.24 $504.48
AMZN 3.00 $300.00 $184.87 $554.61
HUBS 4.00 $275.00 $527.80 $2,111.20
MSFT 5.00 $300.00 $388.45 $1,942.25
ORCL 3.00 $200.00 $132.35 $397.05
GOOG 3.00 $100.00 $159.40 $478.20
NVDA 2.00 $160.00 $110.93 $221.86
INTC 20.00 $22.00 $19.74 $394.80
PFE 15.00 $30.00 $21.91 $328.65
ker

Gain/Loss ($Gain/Loss (%)

-$1.85 -0.92%
-$47.76 -7.96%
-$115.13 -12.79%
$252.80 22.98%
$88.45 5.90%
-$67.65 -11.28%
$59.40 19.80%
-$49.07 -15.33%
-$2.26 -0.51%
-$8.09 -1.80%