Ultimate Money Workout - Budget Calculator

Generally, when we think of our expenses each month, large payments such as home, car and utilities come to mind. It is important to itemize all of your expenses in order to determine how much money you have left to save and reach goals. We have divided expenses into four categories.

Fixed Expenses: Those items in your budget that stay the same from month to month. The amount of money you spend on each category each month does not change.

Periodic Expenses: Expenses that do not occur on a monthly basis, but that you must save for each month, so you have money set aside when the bill arrives.

Variable Expenses: These are items that you purchase frequently on a month-to-month basis. However, the amount and date of purchase vary.

Installment Expenses: Installment expenses include all of your debt payments, credit cards, student loans, bank loans and oil cards. Car loans and house payments are not included in this category.

When filling out this calculator DO NOT HIT THE RETURN KEY. Your figures will total automatically when you click to another box. The return key may clear the form. Print out at 50 percent.

Enter Your Net Income
(Monthly Average Take-Home-Pay)
Fixed Expenses   Variable Expenses   Installment Expenses  
Rent or Mortgage
Electricity (Average)

Department Store(s)

 
Auto #1
Gas or Heating (Average)
#1
Auto #2
Water
#2
Auto #3
Garbage
#3
Life Insurance
Telephone
#4
Medical Insurance (Self-Paid)
Groceries for Family of:
#5
Child Care
Food at Work (dining out, snacks)

Bank Card(s)

 
Tuition/Student Loan
Eating Out
#1
Cable
Gasoline
#2
Internet
Personal Items
#3
Alimony/Child Support
Savings
#4
Other Fixed Expenses Not Listed
Medicine/Prescription Drugs
#5
Total Fixed Expenses
Laundry/Dry Cleaning

Loan(s)

 
Net Income minus Fixed Expenses=
Barber/Beauty Shop
#1
Tobacco/Alcohol
#2
 
Newspapers/Magazine
#3
Periodic Expenses  
Church/Charity (Tithing)
#4
Income Tax
Lawn Care
#5
Homeowner's Ins./Renter's Ins.
Postage

Other Installments

Car Repair/Maintenance
Recreation/Hobby
Total Installment Expenses
Car Insurance
School Lunches
Net Income minus
all Expenses
Property Tax/License
Gifts/Cards
   
Clothing
Other Variable Expenses
Return to top
Doctor
Total Variable Expenses
DO NOT hit the return key. Print out at 50%.  
Dentist
Net Income minus
Fixed+Periodic+Variable Expenses=		    
 
Home Improvements
DO NOT hit the return key. Print out at 50%.      
Other Periodic Expenses
       
Total Periodic Expenses
       
Net Income minus
Fixed + Periodic Expenses=		        
DO NOT hit the return key. Print out at 50%.          
 

         
 
 
 

How did you measure up?
                                                                                                                                                 Top

Print out to keep on file. DO NOT hit the return key.