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One payment, once a month, with a statement tracking my payments is like having my own personal accountant for what I'd spend on happy meals!

Brian J., Columbus, GA

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Family Budget Calculator

Create a detailed monthly budget online using this advanced cash management calculator.

Budgeting Calculator
Save with a debt management program

Do you feel frustrated by consistently making minimum payments with little to
show for it?

Click Here To Find Out

Since cash Incomes and Expenses vary in amounts and intervals it can often get quite confusing trying to figure how much you can afford to spend or save during any given month. Just because you have left over cash this month does not mean it is actually available for spending.

This calculator was designed to convert all Incomes and Expenses into their monthly equivalents making it easier to see how much you can really afford to spend during any given month. And because your household is just as much a business as any traditional business, the various sections of the calculator have been set up in the same way most businesses would set up their cash flow worksheet.

Starting at the top and working your way down, complete and calculate the cash flows for each of the six sections. Once you have computed the entire worksheet, including the Cash Flow Summary, you can then go back and edit your entries. After you are comfortable with your Cash Flow Forecast you can then click on the "Create Report" button at the bottom of the worksheet. This will create a condensed report in a new window that you can print out and refer to when creating your spending plan.

Cash Flow Worksheet
Example Sources Income
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount
Your Primary Job
Spouse's Primary Job
Your Second Job
Spouse's Second Job
Your Business Revenues
Spouse's Business Revenues
Interest & Dividend Income
Rental Income
Cash Gifts
Gambling Winnings
Rummage Sale Receipts
Tax Refund
Incomes
Misc. Expenses
Personal
Transportation
Residential
Entertainment
Totals
Total Monthly Income:
Misc. Expenses - Savings - Investments Balance Forward:
Example Accounts Expenses
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount
Savings Deposits
Investment Deposits
Office Supplies
Postage
Basic Phone
Tax Preparation
Computer Supplies
Legal Expenses
Misc. Payments
Brokerage Fees
Income Tax Payments
Health Insurance
Life Insurance
Charitable Gifts
Tools
Reference Materials
Classified Ads
Incomes
Misc. Expenses
Personal
Transportation
Residential
Entertainment
Totals
Total Monthly Misc. Expenses Expense:
Personal Expenses Balance Forward
Example Accounts Expense
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount
Groceries
Vegetable Gardening
School Lunches
Toiletries & Grooming
Hair & Make-up
Medical, Dental, & Optical
Medication & Prescriptions
Clothing & Laundry
Dry Cleaning
Education
Daycare
Child Support
Health Club Memberships
Therapy
Incomes
Misc. Expenses
Personal
Transportation
Residential
Entertainment
Totals
Total Monthly Personal Expense:
Transportation Costs Balance Forward
Example Accounts Expense
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount
Gasoline
Car Repairs & Maintenance
Car Insurance
Car Payments
Lease Payments
Fares and tolls
Parking
Licenses & Permits
Fines & Tickets
Incomes
Misc. Expenses
Personal
Transportation
Residential
Entertainment
Totals
Total Monthly Transportation Expense:
Residential Expenses Balance Forward
Example Accounts Expense
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount
Grounds Maintenance
Building Repairs & Maint.
Cleaning Supplies
Furniture & Fixtures
Appliances
Pest Control
Interior Decorating
Rent or Lease Payments
Mortgage Payments
Property Taxes
Propane, Fuel Oil, & Wood
Electricity
Property Insurance
Snow Removal
Alarm Systems
Incomes
Misc. Expenses
Personal
Transportation
Residential
Entertainment
Totals
Total Monthly Residential Expense:
Entertainment Expenses Balance Forward
Example Accounts Expense
Description
# of Pmts
Per Year
Amt of
Each Pmt
Monthly
Amount
Movies & Theatrical
Long Distance Calls
Video & Movie Rental
Cable & Satellite
Sporting Events & Activities
Hobbies & Crafts
Games, Arcade, and Amusement
Parties & Entertaining
Gifts
Dining Out
Nightclubs
Gambling
Pets & Pet Supplies
Music
Vacation Property Payments
Vacation & Travel
Incomes
Misc. Expenses
Personal
Transportation
Residential
Entertainment
Totals
Total Monthly Entertainment Expense:
Summary of Income and Expense
Links Category Expenses Incomes
Incomes
Misc. Expenses
Personal
Transportation
Residential
Entertainment
Totals
Monthly Income
Monthly Misc. Expenses Expense
Monthly Personal Expense
Monthly Transportation Expense
Monthly Residential Expense
Monthly Entertainment Expense
Total Monthly Expenses
Net Cash Flow
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