Once you're done, it can take a look at your budget and see if it can find any ways for your to improve your spending plan or save some money.
Our free Excel, OpenOffice, and Numbers for the Mac budgeting worksheet will help you manage your money better. The features of the calculator include:. The budget calculator is also a personal budget template that can be used just as easily for household or family budgets.
For more details about our budget calculator, check out it's home page on our educational website, MyMoneyCoach. Download Microsoft Office Excel Worksheet. If you don't have Microsoft Excel, you can download OpenOffice for free and then download the file below.
Download Open Office Spreadsheet. Download Mac version as Numbers Spreadsheet. Making a Plan for Holiday Spending. Low Income — No Income. Now What?
Budgets. Personal monthly budget. Excel · Holiday shopping budget. Excel · Monthly Household expense budget. Excel Holiday budget planner. Excel. Monthly Budget Template Excel Format Example for Mac can manage to keep all the necessary data even without taking any extra space in your office.
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Spreadsheet programs for home computers have been around for 40 years, giving developers plenty of time to make them more intuitive. Take advantage of them. Just type over the sample numbers with your own information and the software does the math.
With a quick search, you can find plenty more to download online, like the selection at BudgetsAreSexy. The Measure of a Plan personal finance site also has a detailed budget-tracking template that works in Microsoft Excel and Google Sheets. Online video tutorials and software guides can also help you build your own spreadsheets.
Gather up pay stubs, bills, statements and any other forms that show what you made or spent that month. Enter the information into the designated place. Along with your salary, your pay stub should show the money taken out for things like taxes, retirement savings and health insurance.
Add in monthly expenses, like phone, credit card and power bills; car loans; gas, insurance, rent and mortgage costs; gym fees; restaurant meals; and shopping sprees. Once you have all your numbers punched into the spreadsheet, you can see two things.
First, you have a line-by-line accounting of your finances for the month. Second, most spreadsheet templates give you added totals in your columns for income and expenses, so you can see your cash flow in action. Some templates even include charts to help you better visualize your situation.