Category
Monthly Actual Monthly Budget Difference My Notes
Mortgage or rent
Home warranty plan
Homeowner's or condo association fees
Special assessments
Property taxes
Homeowner’s insurance
Other (e.g., cleaning services, landscaping)
Total Housing Expenses
Electric
Gas/heating oil
Water/sewage
Cable TV
Internet
Cellphone/telephone
Other (e.g., trash/recycling)
Total Utilities Expenses
Car payments
Public transportation/shared ride/taxi
Gasoline
Parking/tolls
Car insurance
Car maintenance
Car registration & taxes
Roadside assistance
Other
Total Transportation Expenses
Groceries
Meals out
Entertainment (e.g., movies/concerts/sporting events)
Hobbies
Books/audiobooks
Other
Total Food & Entertainment Expenses
Childcare
School tuition
Tutoring/lessons/sports activities/camps
School lunches
School supplies
New clothing, shoes & accessories
Haircuts/grooming
Allowance
Diapers/babycare
Other
Total Childcare Related Expenses
Food & Entertainment
Care of Children
Use this worksheet to create your household spending plan/budget. Not all categories will be applicable to you and you might add categories that you want to track. There is a section for planned savings in this
worksheet. You will enter your monthly income from your Net Monthly Income worksheet at the bottom of this worksheet to compare your planned/budgeted amounts and actuals with your take-home income.
Accordingly, you can make adjustments to various categories and your spending and savings habits.
Monthly Expenses - Monthly expenses may be fixed/recurring expenses or periodic/variable expenses. To calculate monthly expenses, keep all your receipts for cash payments and track expenses using a credit card or debit
card statement. Your credit card mobile app may feature budgeting tools. Average your monthly expenses in any category by month and use the amount as your Monthly Budget. Compare Monthly Budget with Monthly Actual
expenses and adjust your budget as needed. For healthcare, indicate out of pocket expenses (not payroll-deducted monthly insurance premiums).
Housing
Utilities
Transportation
Monthly Budget Worksheet
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Category
Monthly Actual Monthly Budget Difference My Notes
Streaming services (e.g., Netflix)
Shopping memberships (e.g., Amazon Prime, Costco)
News (e.g., Washington Post)
Meals/food boxes (e.g., Blue Apron)
Gaming
Other
Total Subscriptions Expenses
Medical insurance (if not payroll deducted)
Dental insurance (if not payroll deducted)
Other insurance (e.g., life or disability insurance)
Doctors/specialists (including insurance deductibles)
Therapist/counselor
Eyecare
Medicines (prescriptions/over-the-counter)
Supplements
Gym membership/fitness
Other
Total Health, Wellness & Insurance Expenses
Dry cleaning/laundry
Personal care/grooming
Toiletries/cosmetics
Clothing, shoes, accessories
Other
Total Personal Expenses
Child support
Alimony
Petcare
Supplies for education
Tax preparation fees
Legal fees
Gifts
Donations
Annual fees for credit cards
Computer/technology/mobile accessories
Other
Total Miscellaneous Expenses
Credit card 1 Credit Card & Balance:
Credit card 2 Credit Card & Balance:
Credit card 3 Credit Card & Balance:
Student loan 1
Student loan 2
Personal loans
Medical debts
Other installment debt
Other
Total Credit Cards, Loans & Other Debts
Total Monthly Expenses
Credit Cards, Loans & Other Debts
Subscriptions
Personal
Miscellaneous
Health, Wellness & Insurance
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Category Monthly Actual Saved Monthly Planned Saving Difference My Notes
Emergency fund
(amount needed in addition to current savings)
Down payment for home
Moving/household essentials
Furniture/decors
Appliances
Home maintenance/repairs fund
Home improvements
Total Housing Planned Savings
Education
Wedding
Vacation
Other
Total Miscellaneous Planned Savings
Total Monthly Planned Savings
Total Net Monthly Income
(enter NMI from income worksheet)
Total Monthly Expenses & Planned Savings
Difference Between Income
vs. Expenses + Planned Savings
Housing
Miscellaneous
Planned Savings - This section will help you budget for savings goals and needs. Total your savings goals in each category and divide by 12 months to enter Monthly Planned Saving amount. You could transfer the Monthly
Planned Saving amounts to a Savings Account on a monthly basis. Compare Monthly Planned Saving with Monthly Actual Saved amounts and adjust as needed.
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