Budget Worksheet
Monthly Financial Snapshot (Private Use) — enter monthly amounts only. Leave blanks if not applicable.
- Enter monthly amounts only. Leave any fields blank if they don’t apply. This tool gives users a clear snapshot of where their money is going each month. Totals calculate automatically as the form is completed, and users can print a copy for their records if they choose. All information is completely confidential. Calculations happen entirely within the form, and no personal or financial data is sent to me or stored elsewhere. This snapshot is intended to help users plan a new budget, adjust expenses, and make informed financial and/or housing decisions. Let me know if you have any questions or see anything else that should be adjusted while you’re in there.
Section 1: Monthly Income
Your total household income after taxes and payroll deductions. Include employment income, self-employment (net), pension, Social Security/disability, consistent support received. Do not include one-time windfalls or borrowed money.
Enter how much cash is realistically accessible right now (checking/savings). Leave blank if you do not want any cash-based calculations.
Section 2: Monthly Budget (Detailed)
A. Housing & Home Costs
Your full monthly mortgage payment (principal, interest, taxes, and insurance). If behind, enter the normal scheduled payment.
Only enter this if taxes are not included in your mortgage payment.
Only enter this if insurance is not included in your mortgage payment.
Monthly association or condominium dues, if applicable.
Average monthly amount spent (or realistically needed) for upkeep and repairs.
Enter monthly averages. If a utility is included in rent/HOA, leave it blank.
Home internet service.
Total monthly cost for all cell phone lines.
B. Transportation
Total of all car or vehicle loan payments.
Monthly auto insurance premiums.
Average monthly fuel cost.
Oil changes, repairs, tires, and general upkeep (monthly average).
Bus, train, Uber, Lyft, or similar services.
C. Food & Household
Food and household items purchased from grocery stores.
Restaurants, fast food, coffee shops, and delivery services.
Paper goods, cleaning supplies, toiletries (if not already counted above).
D. Health & Medical
Only if not already deducted from your paycheck.
Monthly prescription medication costs.
Doctor visits, hospital bills, therapy, or ongoing medical payments.
Monthly dental or vision expenses.
E. Family & Personal Obligations
Monthly childcare costs.
Court-ordered support payments.
School fees, sports, lessons, or extracurricular activities.
F. Debts (Non-Mortgage)
Total of required minimum payments across all credit cards.
Unsecured or installment loan payments.
Monthly student loan payments.
If paid separately from the medical section above.
Tax payment plans, if applicable.
G. Insurance (Other Than Home & Auto)
Monthly premiums.
Any additional recurring insurance payments.
H. Gifts, Giving & “Invisible Spending” (Expanded)
Why this section matters: Gifts, giving, and “helping others” spending is one of the most underestimated categories in a household budget.
It often happens in small amounts, on different days, and rarely gets tracked as a single total. When you add it up, this category can quietly consume
the equivalent of a car payment (or more) every month—without people realizing it.
How to enter it: Enter your best monthly average for each line. If something is seasonal (holidays, birthdays, weddings),
estimate the monthly average by taking what you spend per year and dividing by 12. If you “occasionally” help family or friends, that still counts—
enter what you realistically average over time.
Money you give to family members that you don’t typically label as “your bills,” but it still leaves your account (rent help, phone bills, groceries, gas money, subscriptions, or “I’ll cover it this month” situations).
Birthdays, holidays, weddings, graduations, showers, and other events. If you mainly spend during certain months, average it across the year so it shows up as a monthly number.
Any giving that is intentional or automatic (tithes, offerings, donations, fundraisers). Even small recurring amounts add up quickly over a year.
Covering meals/drinks, group outings, work collections, and “I’ll get it” moments that feel small individually but become significant monthly.
GoFundMe, online campaigns, auto-donations, creator subscriptions, round-ups, and app-based giving.
Spontaneous cash, impulse gifts, and anything else not captured above. If this category is high, it’s usually a major “invisible spending” driver.
I. Subscriptions & Optional Spending
Netflix, Hulu, apps, software subscriptions, etc.
Fitness or club memberships.
Entertainment, hobbies, alcohol/tobacco, non-essentials.
Average monthly clothing expenses.
Other Monthly Expenses (Flexible)
Use these lines for anything not listed above (pets, storage, business expenses, etc.).
Summary Report
This section displays totals and key indicators. When printing/saving to PDF, only this Summary Report is intended to be captured.