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Summary Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Avg
Total Income 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0
NET (Income - Expenses) 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Adjustment to Savings 0 0
Spending Balance 500 500 500 500 500 500 500 500 500 500 500 500
Savings Balance 500 500 500 500 500 500 500 500 500 500 500 500
500 500
400 400
300 300
200 200
100 100
0 0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
INCOME Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Avg
Wages & Tips 0 0
Interest Income 0 0
Dividends 0 0
Gifts Received 0 0
Refunds/Reimbursements 0 0
Other 0 0
Transfer From Savings 0 0
Total INCOME 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SAVINGS EXPENSE Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Avg
Emergency Fund 0 0
Car Replacement Fund 0 0
Retirement Fund 0 0
Investments 0 0
Education Fund 0 0
Other 0 0
Total SAVINGS EXPENSE 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
HOME EXPENSES Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Avg
Mortgage/Rent 0 0
Electricity 0 0
Gas/Oil 0 0
Water/Sewer/Trash 0 0
Phone 0 0
Cable/Satellite 0 0
Internet 0 0
Furnishings/Appliances 0 0
Lawn/Garden 0 0
Home Supplies 0 0
Maintenance 0 0
Improvements 0 0
Other 0 0
Total HOME EXPENSES 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
DAILY LIVING Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Avg
Groceries 0 0
Personal Supplies 0 0
Clothing 0 0
Cleaning Services 0 0
Dining/Eating Out 0 0
Dry Cleaning 0 0
Salon/Barber 0 0
Discretionary [Name 1] 0 0
Discretionary [Name 2] 0 0
Other 0 0
Total DAILY LIVING 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
CHILDREN Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Avg
Medical 0 0
Clothing 0 0
School Tuition 0 0
School Lunch 0 0
School Supplies 0 0
Babysitting 0 0
Toys/Games 0 0
Other 0 0
Total CHILDREN 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
TRANSPORTATION Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Avg
Vehicle Payments 0 0
Fuel 0 0
Bus/Taxi/Train Fare 0 0
Repairs 0 0
Registration/License 0 0
Other 0 0
Total TRANSPORTATION 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
HEALTH Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Avg
Doctor/Dentist 0 0
Medicine/Drugs 0 0
Health Club Dues 0 0
Emergency 0 0
Other 0 0
Total HEALTH 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
INSURANCE Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Avg
Auto 0 0
Health 0 0
Home/Rental 0 0
Life 0 0
Other 0 0
Total INSURANCE 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
EDUCATION Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Avg
Tuition 0 0
Books 0 0
Music Lessons 0 0
Other 0 0
Total EDUCATION 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
CHARITY/GIFTS Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Avg
Gifts Given 0 0
Charitable Donations 0 0
Religious Donations 0 0
Other 0 0
Total CHARITY/GIFTS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
OBLIGATIONS Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Avg
Student Loans 0 0
Credit Card Debt 0 0
Other Loans 0 0
Alimony/Child Support 0 0
Federal Taxes 0 0
State/Local Taxes 0 0
Legal Fees 0 0
Other 0 0
Total OBLIGATIONS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
BUSINESS EXPENSE Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Avg
Deductible Expenses 0 0
Non-Deductible Expenses 0 0
Other 0 0
Other 0 0
Total BUSINESS EXPENSE 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
ENTERTAINMENT Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Avg
Activities 0 0
Books 0 0
Games 0 0
Fun Stuff 0 0
Hobbies 0 0
Media 0 0
Outdoor Recreation 0 0
Sports 0 0
Toys/Gadgets 0 0
Vacation/Travel 0 0
Other 0 0
Total ENTERTAINMENT 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
PETS Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Avg
Food 0 0
Medical 0 0
Toys/Supplies 0 0
Other 0 0
Total PETS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
SUBSCRIPTIONS Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Avg
Newspaper 0 0
Magazines 0 0
Dues 0 0
Club Memberships 0 0
Other 0 0
Total SUBSCRIPTIONS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
[42]
VACATION Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Avg
Travel 0 0
Lodging 0 0
Food 0 0
Rental Car 0 0
Entertainment 0 0
Other 0 0
Total VACATION 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
MISCELLANEOUS Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Avg
Bank Fees 0 0
Postage 0 0
Other 0 0
Other 0 0
Other 0 0
Total MISCELLANEOUS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
HELP
https://www.vertex42.com/ExcelTemplates/family-budget-planner.html © 2011-2020 Vertex42 LLC
Intro
This budget spreadsheet is designed to help you create a budget for an entire
year. Doing this can help you make predictions about your future finances.
Edit the existing income and expense categories by changing the labels in the
first column as needed, but do not remove the "Transfer from Savings"
category in the Income table.
If you add or remove a major category, you will need to edit the formulas in the
Summary table (particularly the Total Expenses formula).
If you need to add or insert rows/subcategories, make sure the Total and
Average formulas are copied.
IMPORTANT: When inserting new rows, do not insert a new row immediately
above the Total line. Instead, insert a new row above the last sub-category,
and copy the Total and Avg formulas down.
Add the balances in your spending accounts (cash, checking) to come up with
your beginning spending balance.
Add the balances in your savings accounts and enter that sum as your
beginning savings balance.
If you wish to start with a month other than January, you can edit the column
labels as needed.
Using income and expense data from past receipts, balance statements, bills,
pay stubs, and other information that you know about the coming year, fill in
the budget amounts for each of the categories you have defined.
For variable expenses such as utility bills, groceries, and birthday gifts, you can
enter the estimated amounts in the months that they occur. Or, you can enter
an estimated monthly average.
Adjustments to Savings
Except for transfers to/from savings, this spreadsheet does not track changes
to your savings accounts such as payments made directly from savings,
interest earned, or gains/losses in investments.
If you want the Savings Balance to reflect these types of changes, then use the
Adjustments to Savings row in the Summary table.
Ideally, you want your Savings Balance to be increasing over time and you
want to maintain a comfortable cushion in your Spending Balance.
If you are noticing a consistent positive NET (a good thing), then you may want
to allocate more towards savings. If you see a consistent negative NET, then
you may need to make some budget cuts.
Use the "% of Total Expenses" under each major expense category to help you
determine where your money is going.
By Vertex42.com
https://www.vertex42.com/ExcelTemplates/family-budget-planner.html
Please review the following license agreement to learn how you may or
may not use this template. Thank you.
License Agreement
https://www.vertex42.com/licensing/EULA_privateuse.html