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Family Budget Planner

by Vertex42.com

2011-2014 Vertex42 LLC

Beginning Spending Balance


Beginning Savings Balance

Summary

Jan

Total Income
Total Expenses
NET (Income - Expenses)
Adjustment to Savings
Spending Balance
Savings Balance

Feb
0
0
0

Mar
0
0
0

500
500

500
500

Jan

500
500

SAVINGS EXPENSE
To Savings Account
To Emergency Fund
To Retirement (401k, IRA)
To Investments
To College Savings
Other
Total SAVINGS EXPENSE

Jan

% of Total Expenses

HOME EXPENSES

Jan

[42]

May
0
0
0

500
500

Jun
0
0
0

500
500

Jul
0
0
0

500
500

Aug
0
0
0

500
500

Sep
0
0
0

500
500

Oct
0
0
0

500
500

Spending Balance

Feb

Apr
0
0
0

NET (Income - Expenses)

INCOME
Wages & Tips
Interest Income
Dividends
Gifts Received
Refunds/Reimbursements
Other
Transfer From Savings
Total INCOME

500
500

Mar

0
Feb

Apr

0
Mar

Apr

500
500

Dec
0
0
0

500
500

Total
0
0
0

Avg
0
0
0
0

500
500

Jun

0
May

Jul

0
Jun

Aug

0
Jul

Sep

0
Aug

Oct

0
Sep

Nov

0
Oct

Dec

0
Nov

Total

0
Dec

Avg
0
0
0
0
0
0
0
0

Total

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Total

0
0
0
0
0
0
0
0
Avg

0
0
0
0
0
0
0

Feb

0
0
0
0

Savings Balance

May

Nov
0
0
0

Avg

0
0
0
0
0
0
0
-

Mortgage/Rent
Electricity
Gas/Oil
Water/Sewer/Trash
Phone
Cable/Satellite
Internet
Furnishings/Appliances
Lawn/Garden
Home Supplies
Maintenance
Improvements
Other
Total HOME EXPENSES
% of Total Expenses

DAILY LIVING
Groceries
Personal Supplies
Clothing
Cleaning Services
Dining/Eating Out
Dry Cleaning
Salon/Barber
Discretionary [Name 1]
Discretionary [Name 2]
Other
Total DAILY LIVING

Feb

Jan

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Total

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Total

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

0
0
0
0
0
0
0
0
0
0
0
-

Avg
0
0
0
0
0
0
0
0
0

Feb

0
0
0
0
0
0
0
0
0
0
0
0
0
0
Avg

0
0
0
0
0
0
0
0
0
0
0

Jan

% of Total Expenses

TRANSPORTATION
Vehicle Payments
Fuel
Bus/Taxi/Train Fare
Repairs

Jan

% of Total Expenses

CHILDREN
Medical
Clothing
School Tuition
School Lunch
School Supplies
Babysitting
Toys/Games
Other
Total CHILDREN

0
0
0
0
0
0
0
0
0
0
0
0
0
0

Total

0
0
0
0
0
0
0
0
0
-

Avg
0
0
0
0

0
0
0
0

Registration/License
Other
Total TRANSPORTATION
% of Total Expenses

HEALTH
Doctor/Dentist
Medicine/Drugs
Health Club Dues
Emergency
Other
Total HEALTH

Feb

Jan

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Total

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Total

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Total

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Total

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

0
0
0
0
0
0
-

0
0
0
0
0
-

Avg
0
0
0
0
0

Feb

0
0
0
0
0
0

Avg
0
0
0
0
0

Feb

Avg
0
0
0
0
0
0

Feb

0
0
0
Avg

0
0
0
0
0
0

Jan

% of Total Expenses

OBLIGATIONS
Student Loan
Other Loan
Credit Card #1
Credit Card #2
Credit Card #3
Alimony/Child Support
Federal Taxes

Jan

% of Total Expenses

CHARITY/GIFTS
Gifts Given
Charitable Donations
Religious Donations
Other
Total CHARITY/GIFTS

Jan

% of Total Expenses

EDUCATION
Tuition
Books
Music Lessons
Other
Total EDUCATION

Jan

% of Total Expenses

INSURANCE
Auto
Health
Home/Rental
Life
Other
Total INSURANCE

0
0
0

Total

0
0
0
0
0
-

Avg
0
0
0
0
0
0
0

0
0
0
0
0
0
0

State/Local Taxes
Legal Fees
Other
Total OBLIGATIONS
% of Total Expenses

BUSINESS EXPENSE
Deductible Expenses
Non-Deductible Expenses
Other
Other
Total BUSINESS EXPENSE

Feb

Total PETS
SUBSCRIPTIONS
Newspaper
Magazines
Dues
Club Memberships
Other
Total SUBSCRIPTIONS
% of Total Expenses

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Total

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Total

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Total

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

0
0
0
0
0
-

0
0
0
0
0
0
0
0
0
0
0
0
0
0
-

Avg
0
0
0
0
0

Jan

Avg
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Feb

0
0
0
0
Avg

Jan

% of Total Expenses

Mar

0
0
0
0
0

Jan

% of Total Expenses

PETS
Food
Medical
Toys/Supplies
Other

Jan

% of Total Expenses

ENTERTAINMENT
Videos/DVDs
Music
Games
Rentals
Movies/Theater
Concerts/Plays
Books
Hobbies
Film/Photos
Sports
Outdoor Recreation
Toys/Gadgets
Other
Total ENTERTAINMENT

0
0
0
0

Total

0
0
0
0
0
-

Avg

0
0
0
0
0
0

0
0
0
0
0
0
-

[42]

VACATION

Jan

Travel
Lodging
Food
Rental Car
Entertainment
Other
Total VACATION
% of Total Expenses

MISCELLANEOUS
Bank Fees
Postage
Other
Other
Other
Total MISCELLANEOUS
% of Total Expenses

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Total

Avg

0
0
0
0
0
0
0

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Total

0
0
0
0
0
0
0
-

Avg

0
0
0
0
0
0

0
0
0
0
0
0
-

HELP
http://www.vertex42.com/ExcelTemplates/family-budget-planner.html
2011-2014 Vertex42 LLC. All rights reserved.

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.

Step 1:

Define Budget Categories


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.

Step 2:

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.
Enter Your Beginning Balance
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.

Step 3:

Define Your Budget


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.

Fixed and Variable Expenses


For fixed expenses, such as rent or mortgage payments, enter the same amount in
each month.
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.

Transfers To/From Savings


This template treats transfers TO savings as expenses, and transfers FROM savings
as income. This makes sense if you think of an "expense" as money leaving your
spending accounts and "income" as money entering your spending accounts.

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.

Step 4:

Analyze Your Budget


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.

REFERENCES
TIPS

Vertex42.com: Spreadsheet Tips Workbook

ARTICLE

Vertex42.com: How to Make a Budget with a Spreadsheet

ARTICLE

Vertex42.com: Budgeting Tips

Family Budget Planner


By Vertex42.com
http://www.vertex42.com/ExcelTemplates/family-budget-planner.html

2011-2014 Vertex42 LLC


This spreadsheet, including all worksheets and associated content is
considered a copyrighted work under the United States and other
copyright laws.
Do not submit copies or modifications of this template to any website or
online template gallery.
Please review the following license agreement to learn how you may or
may not use this template. Thank you.
See License Agreement
http://www.vertex42.com/licensing/EULA_privateuse.html
Do not delete this worksheet.

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