Balance sheet
A one-page balance sheet for small businesses showing what the business owns, what it owes and the owner's equity on a single date. Section totals calculate, and a check line compares total assets with liabilities plus equity so you can see straight away whether something was missed.
- Fields
- 27
- Pages
- 2
- Paper
- Letter
Fill it online without an account. The blank PDF is free to download and works in any PDF reader. Downloading a filled copy from the editor needs a free account — 3 downloads a month, no watermark. See plans
Reviewed
Before you start
What you need to fill it in
- Bank balances and accounts receivable on the statement date
- Inventory value and prepaid expenses
- Cost of equipment, vehicles and property, and accumulated depreciation
- Balances owed: accounts payable, credit cards, payroll and taxes due, loans
- Owner contributions, draws and retained earnings
What's inside
27 fields, ready to fill
- 16Typed answersnames, addresses, descriptions
- 2Dateschecked as real dates
- 8Calculatedfill themselves from other fields
- 1Signaturessignature and initials
3 required — the editor counts down how many are left while you fill.
Instructions
How to fill out the Balance sheet
- 1
Choose the date
Enter the as-of date. Every balance on the sheet must be as of that date.
- 2
Enter assets
Fill current assets, then fixed assets at cost less accumulated depreciation, then other assets.
- 3
Enter liabilities
Fill amounts owed in the next 12 months as current, and the rest of long-term loans as long-term.
- 4
Enter equity
Fill owner's capital (contributions less draws) and retained earnings, including the current year's net income.
- 5
Check the balance
The difference line should be zero. If not, look for a missing account or a sign error.
Fill it online
What filling it looks like
- Edit & fill, Invite to sign and Create form are three modes of the same editor
- Amounts are formula fields: they calculate as you type
- The field navigator counts what's left and jumps to the next field
Shown with our invoice template. Sample content; names are fictional.
Written for: Any
This template is a summary format for your own figures. It is not accounting, tax or financial advice, and it is not an audited or reviewed financial statement. Lenders and agencies may require their own forms or statements prepared by an accountant.
Written by PDFBetter and last reviewed October 15, 2026. Spotted a problem? Tell us.
Balance sheet: questions people ask
Why must the balance sheet balance?
Everything a business owns was financed either by debt or by the owners. So total assets always equal total liabilities plus equity.
Where does the current loan payment go?
The principal due within the next 12 months is a current liability; the rest of the loan is long-term.
How do I enter accumulated depreciation?
As a positive number. The sheet subtracts it from fixed assets at cost.
Is this the same as a personal financial statement?
No. This covers the business. Lenders often ask owners for a personal financial statement as well.
Ready when you are
Fill the Balance sheet now — no account to start.