A financial affidavit in a spreadsheet

Q: How do you calculate a financial affidavit in Excel?

Export a year of transactions as CSV for each account, check each month reconciles to the statement, combine them with Month and Category columns, mark transfers and card payments as not counted, then build a pivot table of category by month and divide each row's total by the number of months.

Q: Can I use Google Sheets for the FL-150?

Yes. The same method works: a Month column made with the TEXT function, a pivot table of category by month, and the total divided by 12 for the 12-month average item 5 describes. You then copy each figure onto the FL-150 yourself.

Q: What categories should my spreadsheet use for the FL-150?

The form's own lines, so the totals map straight onto it: item 5 lines for income and item 13 lines for expenses, such as 13d groceries and household supplies or 13l auto expenses and transportation. Which line a transaction belongs on is your call.

Q: How do I avoid double counting in a budget spreadsheet for a financial affidavit?

Mark transfers between your own accounts and credit card payments as not counted when the card's own transactions are in the sheet. Each transfer appears twice, once leaving one account and once arriving in another.

Published October 27, 2026

You do not need special software to work out the monthly figures for California's FL-150 or Florida's Form 12.902(b) or (c). A spreadsheet does it, and if you are comfortable with one, it may be all you need. This guide gives a method that works in Excel or Google Sheets, and is honest about where it gets slow. It is general information, not legal advice; what goes on which line is your decision.

Step 1: get the transactions out

For each account you use (checking, savings, every credit card), download 12 months of transactions as CSV from the bank's website. Item 5 of the FL-150 averages the last 12 months; Florida's mandatory disclosure, rule 12.285(e)(8), lists 12 months of statements for checking and other accounts.
Keep the monthly PDF statements too. They carry the opening and closing balances you need in step 2.
If your bank offers only PDF statements for older months, you will need to type those transactions in or convert them. This is where most of the time goes.

Step 2: one tab per account, then check each one

Put each account on its own tab with the same columns: Date, Description, Amount, and Account. Make money out negative and money in positive. Card exports often show purchases as positive numbers, so flip the sign for card tabs.

Then check each month against its statement: the opening balance plus the sum of that month's amounts should equal the closing balance printed on the statement. In a spare cell, =opening+SUMIFS(C:C,A:A,">="&start,A:A,"<="&end) gives the figure to compare. If it does not match, a row is missing or duplicated. Do not move on until every month matches; an average built on a missing row is off by that row.

Have your statements as PDF, CSV or OFX? Financial Affidavit Numbers reads them in your browser, checks that each statement reconciles, and sorts the transactions into the form's own lines. You confirm every category and decide every flagged item. The worksheet gives each line's monthly average and the statement lines behind it:

WORKSHEET: FL-150 ITEM 13, AVERAGE MONTHLY EXPENSES

13d Groceries and household supplies $612.40

average monthly, 12 months, 148 transactions, schedule p. 4

13e Eating out $187.15

average monthly, 12 months, 61 transactions, schedule p. 5

13f Utilities (gas, electric, water, trash) $241.08

average monthly, 12 months, 36 transactions, schedule p. 5

See your own figures free → $29 once, only if you want the full worksheet.

Step 3: combine, add a month and a category

Copy every account's rows into one tab called All.
Add a Month column: =TEXT(A2,"yyyy-mm").
Add a Category column and use the form's own line names, for example "13d Groceries and household supplies" for the FL-150, or "14 Food and home supplies" for Florida's long form. The item 13 guide and the Florida section-by-section guide list the lines.
Sort by Description so the same merchant sits together, and fill categories in blocks. A filter on the Category column shows what is left.

Step 4: take out what is not income or spending

Give these a category called "Not counted" so they stay visible but drop out of the totals:

Transfers between your own accounts. Each appears twice, out of one tab and into another. See transfers between your own accounts.
Credit card payments from checking, when the card's own transactions are in the sheet. See credit card payments versus purchases.

Refunds keep the category of the purchase, so they reduce it. Large one-off items, money from family, loan proceeds and bills someone else paid need your own decision; a "Decide" category keeps them in one place until you have made it.

Step 5: the pivot table

Insert a pivot table on the All tab. Rows: Category. Columns: Month. Values: SUM of Amount. Filter out "Not counted". You now have one row per form line and one column per month.

Add a column at the right: =SUM(B2:M2)/12, or divide by however many months you used. For FL-150 income, item 5 says to add up the last 12 months and divide by 12. Item 13 expenses are an average monthly figure without a set period; Florida's forms ask for monthly amounts. Expenses come out negative in this layout; the forms want positive numbers.

Step 6: keep the sheet as your schedule

The All tab, filtered to one category, lists every transaction behind a figure. You sign the FL-150 or the Florida affidavit under penalty of perjury, and if anyone asks where a number came from, that filtered list is the answer. Note which months you used and what you decided about each item in the "Decide" category.

When a spreadsheet is enough, and when it is slow

A spreadsheet is enough if your bank gives a year of CSV downloads, you have two or three accounts, and you are at home with SUMIFS and pivot tables. It costs nothing and every choice is visible.

It gets slow when statements are PDFs that need retyping, when there are many accounts and the transfers between them have to be matched by hand, and when you want a clean schedule to hand over rather than a working file. Those are the steps Financial Affidavit Numbers does: it reads PDF, CSV and OFX statements in your browser, checks each one reconciles, matches transfers and card payments, and gives monthly figures by form line with a schedule behind each. It does not fill in the FL-150 or the Florida affidavit; you copy the numbers onto the form.

Common questions

How do you calculate a financial affidavit in Excel?

Export a year of transactions as CSV for each account, check each month reconciles to the statement, combine them with Month and Category columns, mark transfers and card payments as not counted, then build a pivot table of category by month and divide each row's total by the number of months.

Can I use Google Sheets for the FL-150?

Yes. The same method works: a Month column made with the TEXT function, a pivot table of category by month, and the total divided by 12 for the 12-month average item 5 describes. You then copy each figure onto the FL-150 yourself.

What categories should my spreadsheet use for the FL-150?

The form's own lines, so the totals map straight onto it: item 5 lines for income and item 13 lines for expenses, such as 13d groceries and household supplies or 13l auto expenses and transportation. Which line a transaction belongs on is your call.

How do I avoid double counting in a budget spreadsheet for a financial affidavit?

Mark transfers between your own accounts and credit card payments as not counted when the card's own transactions are in the sheet. Each transfer appears twice, once leaving one account and once arriving in another.

Turn your bank and card statements into monthly figures by form line →

More guides: FL-150 monthly averages from bank statements · How many bank statements for the FL-150 · FL-150 item 13, line by line · FL-150 last month vs average monthly · FL-150 vs FL-142 · When the FL-150 is filed or served · Florida short form vs long form · Florida: weekly and biweekly to monthly · Florida financial affidavit, section by section · Florida financial affidavit deadline · Credit card payments vs purchases · Transfers between your own accounts · Irregular income on a financial affidavit · Financial affidavit tools compared