What's inside
- Setup: take-home income, your split, and up to 30 categories, each in a bucket (Needs, Wants, Savings & debt) with a monthly budget
- Month view: pick any month and see income, spending, what's left, your savings rate, each bucket against its target, and budget vs actual for every category, with overspending highlighted
- Year view: all 12 months side by side and a stacked chart of Needs, Wants and Savings & debt
- Income and Spending logs with category dropdowns; uncategorized spending is still counted and shown separately, so nothing disappears
- Sample file: 9 months of a realistic household on $5,200/month take-home
Checked, not just designed: zero formula errors, and every month, bucket, category and savings rate in the sample matches an independent calculation.
Works in Excel and Google Sheets.
Try the free version first
The free online calculator uses the same model for a quick answer. The spreadsheet adds tracking, history and the full views.