Family Budget Calculator

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

Budgeting Calculator
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