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Cash Budgeting Calculator for Envelope Budgeting System

Calculator Preferences
Cash Budgeting Calculator

This calculator will calculate your envelope budget percentages and distribution amounts, plus give you the size and number of the various denomination of bills you will need in order to distribute precise cash amounts to your envelopes. You can even print out a detailed report to carry with you. The Learn tab includes:

  • What an envelope system is and why it's so powerful.
  • A hybrid system to offset drawbacks.
  • How to implement the system.
Learn More

Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Monthly pay:Monthly net pay:Monthly take-home pay or allowance:Monthly take-home pay or allowance:

Monthly take-home pay or allowance:

Enter your monthly take-home pay (after taxes and deductions), or your monthly allowance, whichever applies. The cash budgeting calculator will calculate what percentage each monthly envelope amount represents of your total monthly income or allowance.

Total cash:Total cash:Total cash to distribute:Total cash to distribute to envelopes:

Total cash to distribute to envelopes:

Enter the amount of cash you want to distribute to your cash envelope system. The cash budgeting calculator will calculate the envelope distribution based on entries in the next section.

Enter/Edit/Delete EnvelopesEnter - Edit - Delete EnvelopesEnter - Edit - Delete EnvelopesEnter - Edit - Delete Envelopes

Enter/Edit/Delete Envelopes:

To add an envelope, enter the name, the periodic amount, and select the time period the amount applies to. When you're satisfied with the entries, tap the + button (may also appear as "Add" or "Add Envelope" depending on the width of your device).

To edit an envelope in the list, tap the radio button in the Edit column. This will load the envelope into the form for editing. When you're satisfied with the changes you've made, tap the S button (may also appear as "Save" or "Save Changes" depending on the width of your device).

To delete an envelope from the list, tap the radio button in the Edit column. This will load the envelope into the form for deleting. Tap the button (may also appear as "Delete" depending on the width of your device).

To clear the form to create a new envelope entry, tap the C button (may also appear as "Clr" or "Clear" depending on the width of your device).

Important! The entered envelopes are saved in your device's random memory (temporary storage), which means that if you surf to another calculator or close this browser window you will need to re-enter your envelopes.

Env. Name:Envelope Name:Envelope Name:Envelope Name:

Envelope Name:

Enter the name of the envelope you want to add to your envelope budgeting system.

Amount:Amount:Periodic amount:Periodic amount:

Periodic amount:

Enter the payment amount you are most familiar with. For example, if you know you spend $100 per week on groceries, enter 100 for the amount and then select Weekly from the Frequency menu. The cash budgeting calculator will automatically calculate the monthly equivalent.

Frequency:Frequency:Frequency:Frequency:

Frequency:

Select the payment frequency that applies to the payment amount you entered in the Amount field.

Monthly:Monthly amt:Monthly amount:Monthly amount:

Monthly amount:

This field contains the calculated monthly amount based on the entered payment amount and the selected payment frequency.

Denominations NeededDenominations NeededDenominations Needed to Distribute CashDenominations Needed to Distribute Cash to Envelopes

Denominations needed to distribute cash to envelopes:

This section will list the number and dollar value of the bills you will need in order to make exact cash distributions to your envelopes.

Denominations:

This column displays each denomination. If you would rather not use hundred and/or fifty dollar bills, uncheck the checkbox for one or both. The denomination numbers and amounts will automatically recalculate when one of the checkboxes is checked or unchecked.


DenomDenominationDenominationDenomination

Number of each denomination:

This column displays the number of each denomination you will need to make exact cash distributions to each of your envelopes.


##NumberNumber

Dollar amount of each denomination:

This column displays the total dollar amount of each denomination you will need in order to make exact cash distributions to your envelopes.


$ Amt$ Amt$ Amount$ Amount
Twenties
Tens
Fives
Ones

If you would like to save the current entries to the secure database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Reset
Feedback AppreciatedFeedback Greatly AppreciatedYour Feedback Would Be Greatly AppreciatedYour Feedback Is Greatly Appreciated
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Tip

Help and Tools

Help and Tools:

This section, which you can Unstick or Hide in the Calculator Preferences (just above the top of the calculator), contains the following tabs (content too long to fit within bordered frame can be scrolled up and down):

About: Click this tab for an introduction to the calculator.

Instructions: Click this tab for step-by-step instructions for using the calculator.

Terms: Click this tab for a list of the descriptions that are located within each popup help button (info icons).

PCalc: Click this tab for a handy "pocket" calculator you can use when you need to calculate an entry needed for the calculator.

Data: Click this tab to save a set of entries or a note in between visits. Entries and notes will be stored to your web browser's local storage (if supported by your browser of choice), meaning they can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save entries and notes between devices you can do so by subscribing to the Ad-Free Member Version.

 

Favorites

Add or remove this page to/from my favorites.

Adjust Calculator Width:

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".

Show/Hide Popup Keypads:

Select Show or Hide to show or hide the popup keypad icons located next to numeric entry fields. These are generally only needed for mobile devices that don't have decimal points in their numeric keypads. So if you are on a desktop, you may find the calculator to be more user-friendly and less cluttered without them.

Stick/Unstick Tools:

Select Stick or Unstick to stick or unstick the help and tools panel. Selecting "Stick" will keep the panel in view while scrolling the calculator vertically. If you find that annoying, select "Unstick" to keep the panel in a stationary position.

If the tools panel becomes "Unstuck" on its own, try clicking "Unstick" and then "Stick" to re-stick the panel.