Personal finance review · Documents before conclusions
What do you owe?
What needs checking?
Build an inventory from statements, bills and agreements. Keep unknown balances, rates, payment terms and source dates visible.
Nothing is submitted to MTA or an instructor. Saving is optional and separate from your budget and statement worksheet. Use safe labels and references; omit account numbers, credentials and identity documents.
Use US dollars. This is an educational inventory, not a payoff quote, debt validation, credit score, legal determination or professional forensic audit. Keep original documents separately and verify terms with their issuer or an appropriately qualified professional when needed.
Opening the private worksheet…
Saving is optional and keeps one current worksheet of this type. Starting a new worksheet or opening a file replaces that copy; save separate files to keep previous work. If a changed saved copy is detected in another tab, automatic saving pauses. Save files of both the open version and the device-saved copy before selecting device saving again; that choice replaces the saved copy with this open worksheet. Other people using this browser profile can open saved work. Clearing site data may remove it. Keep a separate file before leaving; browser Back, closing a tab or switching apps may not show a warning.
This keeps the copy stored in this browser when you select download, which may differ from your open entries. Use Save a worksheet copy below to keep the open version too. Each file must be reopened in its matching tool; this action does not switch versions or resume saving.
Known figures. Visible gaps.
Inventory coverage has not been confirmed. Due-date and document-date comparisons are paused. Known numeric subtotals remain available; check the review date before interpreting dates relative to it.
Review inventory coverageReview the inventory date- Known entered debt balances
- Opening worksheet…
- Debt payments · monthly average
- Opening worksheet…
- Recurring bills · monthly average
- Opening worksheet…
Amounts included: 0 of 0.
Amounts included: 0 of 0.
Amounts included: 0 of 0.
These are known-entry subtotals, not proof that the inventory is complete. Missing or invalid amounts, and payments with unknown frequency, are excluded and listed below. Balances may come from different document dates; this is not a verified same-day liability total or net-worth calculation.
A monthly average spreads the entered payments across a year. The amount due on a particular date can be different. The tool does not calculate interest accrual, loan payoff dates or the effect of future rate changes.
See how the monthly averages add up
For each entered payment, multiply by the number of payments used for a year. Add each group, then divide by 12. The tool rounds the group average once to the nearest cent.
Debt payments
No debt payments listed in this review.
Recurring bills
No recurring bills listed in this review.
These averages use 52 weekly, 26 every-two-week, 12 monthly, 4 quarterly or 1 yearly payment. Actual dates and the number of payments in a calendar year can differ.
Paid and unpaid items stay in the average. It is not a total of unpaid bills. Check each bill’s amount and due date; a monthly average is not necessarily what is due then.
Before using a figure in your budget, check whether an existing bill, debt or savings entry already covers it. Count each amount once. Figures do not move between these worksheets automatically.
Monthly averages annualize entered payments using 52 weekly, 26 fortnightly, 12 monthly, 4 quarterly or 1 annual payment, then divide the total by 12 and round once to cents. Actual calendar counts and due-date cash needs can differ. Entered annualized debt payments: No debt payments listed; recurring payments: No recurring bills listed.
Review the two payment groups separately. A debt payment or recurring bill may already be in your budget or bank transactions; do not add the same obligation twice.
Evidence and terms to review
These prompts identify missing or inconsistent records. They do not establish fraud, delinquency, enforceability or a recommended payment strategy.
Printing opens your browser’s print menu; choose a printer or Save as PDF if available. A printed copy is for reading. Choose Save a worksheet copy to reopen and edit it later. Keep both copies somewhere you control.
Need a hand?
Ask Ed or a class leader to walk through the fictional example with you. You do not need to share your finances.
For class feedback, describe the tool and the step that was confusing. Leave out names, financial figures and worksheet files.
Choose class feedback (new tab)
Save a copy before switching apps. The link opens separately and sends no worksheet data. Choose the materials you used. Feedback is voluntary and cannot arrange a personal reply.