Personal Budget Template (Excel) by xiuliliaofz

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									Personal Budget Template
Directions: Fill in the Yellow cells, the rest will be calculated for you automatically.


Results:                                       Monthly          Yearly           %         Comments
Total Income                                      $0.00            $0.00       #DIV/0!
Necessary Expenses                                $0.00            $0.00       #DIV/0!
Discretionary Income                              $0.00            $0.00       #DIV/0!
Investment Spending                               $0.00            $0.00       #DIV/0!
Discretionary Income less Investments             $0.00            $0.00       #DIV/0!
Discretionary Spending                            $0.00            $0.00       #DIV/0!     Keep this as low as possible
Amount remaining to save or invest                $0.00            $0.00       #DIV/0!     Try to keep this percentage above 5%, a


                                               Monthly         Annual
                                               Budget          Amount       Comments
Income:
Your Primary Income                                 $0.00           $0.00
Your Spouse's Income                                $0.00
Child Support or Alimony                                            $0.00
Social Security Income                                              $0.00
Disability Income                                                   $0.00
Pension Income                                                      $0.00
Investment Income                                                   $0.00
Real Estate Investment Income                                       $0.00 include expenses from this below
Business Income                                                     $0.00 from your own business, include expenses below
Other Income                                                        $0.00
Total Income                                        $0.00           $0.00

Necessary Expenses:
Payroll Taxes                                                       $0.00
Other income deductions                                             $0.00 Do not include insurance or investments here
Rent or Mortgage                                                    $0.00
2nd Mortgage or Home Equity Loan                                    $0.00
Property Taxes                                      $0.00
Water                                                               $0.00
Garbage                                                             $0.00
Gas & Electric                                                      $0.00
Auto Insurance                                                      $0.00
Auto repairs                                                        $0.00
Food & Groceries (not dining out)                                   $0.00
Clothing (necessary)                                                $0.00
Telephone (not mobile phone)                                        $0.00
Home or Renters Insurance                           $0.00
Healthcare or Insurance Costs                                       $0.00
Dental Care or Insurance Costs                                      $0.00
Life Insurance Costs                                                $0.00
Student Loans                                                       $0.00
Home Repairs                                                        $0.00 include necessary furniture, maintenance & cleaning su
Home supplies                                                       $0.00
Dry cleaning                                $0.00
Laundry                                     $0.00
Investment Real Estate Expenses             $0.00
Business Income Expenses                    $0.00
Childcare (daycare & babysitters)           $0.00
Child & Baby Expenses                       $0.00 diapers, baby food, etc.
Other dependent expenses                    $0.00 children's school or college tuition or other necessary e
Total Necessary Expenses            $0.00   $0.00


Discretionary Expenses:
Credit Card Bills                           $0.00
Auto Loan (s)                               $0.00
Gasoline                                    $0.00
Cable or Satellite TV                       $0.00
Mobile Phone (s)                            $0.00
Home Improvement                            $0.00
Home Security                               $0.00
Garden Supplies                             $0.00
Entertainment (not dining out)              $0.00 movies, video rentals, theater tickets, sports tickets, nit
Dining Out                                  $0.00 include lunches at work
Travel & Vacation                   $0.00
Pets, Pet Care and Pet Food                 $0.00
Clothing (above what's needed)              $0.00
Internet Access                             $0.00
Computer Costs                      $0.00           money spent on computers, software and games
Gym membership                              $0.00
Beer & Alcohol                              $0.00
Cigarettes & Tobacco                        $0.00
Total Discretionary Expenses        $0.00   $0.00


Investment Spending:
401K, 403B deposits                         $0.00 Only include fixed monthly or yearly investments here, n
IRA deposits                        $0.00         Only include fixed monthly or yearly investments here, n
Employee Stock Plans                        $0.00 Only include fixed monthly or yearly investments here, n
Brokerage Deposits                          $0.00 Only include fixed monthly or yearly investments here, n
Other                                       $0.00 Only include fixed monthly or yearly investments here, n
Total Investment Spending           $0.00   $0.00
as low as possible
p this percentage above 5%, above 20% is outstanding




include expenses below




or investments here




re, maintenance & cleaning supplies
ge tuition or other necessary expenses




eater tickets, sports tickets, nites on the town, etc.




ers, software and games




ly or yearly investments here, not your discretionary investing
ly or yearly investments here, not your discretionary investing
ly or yearly investments here, not your discretionary investing
ly or yearly investments here, not your discretionary investing
ly or yearly investments here, not your discretionary investing

								
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