Budget and Cash Flow

This tool will help you develop a budget by analyzing your cash flow.

It makes good financial sense to create a budget each year and live within that budget. This tool will help you track your cash flow, develop your budget, and measure your progress against your budget. Enter your actual income and expenses in the cash flow column to see whether you have a surplus or deficit. Use the budget column to create an income/expense plan that will maximize your surplus or reduce your deficit. Each month, track your progress against your budget using this tool and the Monthly Spending Plan worksheet.

Enter your information below and press "Calculate" to see your results.

Budget and Cash Flow Worksheet
Annual Income
Cash Flow
Budget
   Your Wages or Salary
$
$
   Spouse's Wages or Salary
$
$
   Dividend and Interest Income
$
$
   Child Support/Alimony Payments
$
$
   Pension Payments
$
$
   Social Security Income
$
$
   Rental Income
$
$
   Other Income
$
$
 
Total Income
 
Annual Taxes
Cash Flow
Budget
   Income Tax:
      Federal, State, & Local--You
$
$
      Federal, State, & Local--Spouse
$
$
   Social Security & Medicare Tax:
      You
$
$
      Spouse
$
$
      Property Tax
$
$
   Other Taxes
$
$
 
Total Taxes
 
Annual Expenses
Cash Flow
Budget
   Housing:
      Mortgage Payments or Rent
$
$
      Utilities (Gas, Electric, Phone)
$
$
      Household Maintenance
$
$
      Furniture & Appliances
$
$
   Insurance:
      Life
$
$
      Health & Dental
$
$
      Disability
$
$
      Homeowner
$
$
      Automobile
$
$
      Other Insurance
$
$
   Debt Repayment:
      Car Payments
$
$
      Personal Loans
$
$
      Credit Cards
$
$
   Health Care:
      Medical
$
$
      Dental
$
$
      Optical
$
$
      Drugs
$
$
   Savings:
      401(k)/403(b)
$
$
      IRA
$
$
      Other Savings
$
$
   Food/Beverage/Groceries
$
$
   Day Care
$
$
   Education
$
$
   Clothing
$
$
   Transportation:
      Gasoline
$
$
      Car Maintenance/Repairs
$
$
      Public Transportation
$
$
      Parking
$
$
   Entertainment & Recreation
$
$
   Vacation
$
$
   Personal Care:
      Dry Cleaning
$
$
      Beauty Salon/Barber
$
$
      Other Personal Care
$
$
   Financial & Legal Services
$
$
   Charitable Contributions
$
$
   Gifts
$
$
   Newspapers/Subscriptions
$
$
   Other Expenses
$
$
 
Total Expenses
 
(+)Surplus or (-)Deficit
Cash Flow
Budget
Income less Taxes & Expenses




The calculators provide hypothetical examples and are not intended to represent past or future performance of a specific investment which cannot be predicted or guaranteed, or to provide specific advice to any individual. Rates of return will vary over time. Those investments offering a higher rate of return also involve a higher degree of risk.