Free Worksheet
Cash Flow Worksheet
Understand where your money actually goes — without a restrictive budget.
- Map income against fixed and flexible spending
- Find your real monthly surplus
- Reverse-budget: save first, then spend the rest freely
- Built for consistency, not guilt
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Why it matters
Traditional budgets fail because they track every dollar. Reverse budgeting flips it: automate your saving first, then spend what’s left without second-guessing. This worksheet helps you find that number and set it on autopilot.
Built by Peter Lazaroff, CFA, CFP®, the same tools he uses with clients as Chief Investment Officer, distilled into something you can put to work today.