Sample Income and Expense Statement Spreadsheet

Keep track of each ME in the spreadsheet that accompanies each of their respective stories. Use them to record financial data, track changes to the MEs' finances, calculate monthly surplus income, and determine monthly capacity to repay the loan. We provide the formulas you need later in the game so that you know how to do the calculations.

ME Scenario #1
Monthly Income		Micros (mcs)
	Busy Season	8,000
	Slow Season	6,000
	Average monthly income (this scenario assumes that busy season is 6 months, and that slow season is 6 months)	7,000
Expenses
Business Expenses
	Weekly purchase	1,200
	Monthly average cost of sales	5,200
	Storage (month)	75
	Store rent/utilities (month)	150
	Business fixed costs	225
Total Monthly Business Expenses		5,650

Personal Expenses
	Home rent/utilities (month)	300
	Food (month)	250
	Education (month)	25
	Health (month)	-
Total Monthly Personal Expenses		575
Total Monthly Expenses (Business + Personal)		6,225

Monthly Income - Expenses
	Average monthly income	7,000
	Average monthly expenses	6,225

Monthly Surplus/Deficit Income		775

Monthly Capacity to Re-Pay Loan (70% of Monthly Surplus)		542.5

Loan Request
Monthly Loan Payment

Calculation for Monthly Average Cost of Sales is= (Weekly purchase * 52 weeks in the year/ 12 months in the year)

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Sample Income and Expense Statement Spreadsheet

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