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9 pages

Annual Financial Review — Printable, Undated PDF

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✨ ANNUAL FINANCIAL REVIEW — A Real Look Back Before You Look Forward ✨

Not a generic worksheet — a real, honest year-end financial review. Compare your net

What's included

Why you'll love it

2 PDF files included:
  • AnnualFinancialReview_A4.pdf — for European paper (210x297mm)
  • AnnualFinancialReview_USLetter.pdf — for US/Canada paper (216x279mm)

How to Use

1
Pull your year-end bank and card statements first

Before filling in any figures, gather your actual statements — estimates are far less useful than real numbers.

2
Work through one income and one expense category at a time

Trying to complete the whole review in one go is overwhelming. Break it into 30-minute sessions by category.

3
Set three specific financial targets for next year

The review is only valuable if it leads to action — finish by writing three concrete changes you'll make next year.

Frequently Asked Questions

The review covers total income, total spending by category, net savings rate, debt changes, biggest wins, and goals for the coming year.
Between one and two hours if you have your statements ready — less if you've been tracking monthly throughout the year.
Yes — the categories are flexible enough to adapt for freelance or small business income and expense tracking.