Christmas Budget Calculator with Interactive Budgeting Worksheet

Christmas Budget Calculator Sign

Countdown Till Christmas

If you haven't done so already, there is no better time than the present to create a spending plan for your Christmas shopping.

This calculator will create a pre-filled, custom, interactive budget worksheet wherein the budget total recalculates as you change the budget amounts for each person on your shopping list.

Plus, if you list the people you want to buy for separately, you can even set a custom spending level for each person and the calculator will allocate the initial budget amounts accordingly.

Then, once you get your budget amounts set, you can open the list in a printer-friendly window for printing the complete worksheet -- which will also include extra lines for each person so you can record multiple gift ideas and expenditures for each person on your list.

Finally, the calculator will also tell you how much you will need to deposit -- and how often you will need make those deposits -- in order to fully fund your Christmas Club Account by the time you are ready to start shopping for next Christmas.

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Christmas Budget Calculator

Create a pre-filled, interactive Christmas budget worksheet, wherein the budget total recalculates as you change the budget amounts for each person on your shopping list.

Special Instructions

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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
Amount to budget:Amount to budget:Amount to budget:Amount to budget:

Amount to budget:

Select whether you want to enter a budget amount for each person on your shopping list, or if you want to enter the total budget amount for all of your Christmas gift buying, and then enter the corresponding budget amount (enter as a dollar amount but without the dollar sign and any commas).

# on list:# people on list:Number of people you plan to buy for:Number of people you plan to buy for (or list them below):

Number of people you plan to buy for:

If you want to print out a blank Christmas budget worksheet, enter the number of people to budget for in this field. Otherwise, if you want each person listed on your worksheet, leave this field blank and enter the names in the box below this line.

Or, list the people (1 per line):list the people (1 per line):list the people you plan to buy for (1 per line):list the people you plan to buy for (1 per line):

List the people you plan to buy for:

Enter the name of each person you plan to buy for, each on a separate line.

If you would like to allocate funds based on custom spending levels, type a period and a number immediately after each name.

Wife Mary.5
Son Jimmy.4
Daughter Susy.4
Aunt Gertrude.1

The higher the number, the more funds will be allocated. Note that all names must be assigned a number before the calculator will allocate funds based on spending levels.

Make sure each line only contains one name and remove any blank lines. Note that you can make changes to the list and recalculate at any time as long as you remain on this page.

Inflate:Inflate for next:Inflate budget for next year:Inflate budget for next year:

Inflate budget for next year:

If you would like to begin budgeting for next Christmas, select the percentage you would like to increase your budget from this year.

Deposit freq:Deposit frequency:Deposit frequency:Deposit frequency:

Deposit frequency:

Select the preferred frequency of deposits to your Christmas Club Account.

Deposit months:Deposit months:Deposit months:Months to make the deposits:

Span of months to make the deposits:

Select the span of months you plan to make the deposits.


Number of lines to add per person:

If you would like additional lines added for each person in the budget sheet (for entering multiple gift ideas and purchases), select the number of lines to add.

# people:# of people:Number of people on list:Number of people on list:

Number of people on list:

This is how many people the calculator is basing your budget on. If you did not list each person by name, then this is the number you entered in the line above the list.

Amt/person:Amount per person:Budget amount per person:Budget amount per person:

Budget amount per person:

This is your total budget amount divided by the number of people you plan to buy for.

Total budget:Total budget amount:Total budget for all people on list:Total budget amount for all people on list:

Total budget amount for all people on list:

This is the total amount you plan to budget for this coming Christmas gift buying.

Next year:Budget next year:Budget amount for next year:Budget amount for next year:

Budget amount for next year:

Based on your selections regarding your budget for next year, this is how much you plan to spend next year.

Periodic dep:deposit:deposit to Christmas acct:deposit to Christmas Club Account:

Periodic deposit to Christmas Club Account:

In order to fully fund your Christmas Club Account for next year, this is the periodic deposit you will need to make during the span of saving months you selected.

If you would like to save the current entries to the secure online 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.


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Help and Tools


For relieving the stress of holiday gift buying.

Tips for relieving the stress of Holiday Gift Buying

I must admit, ever since getting my own income, the gift-buying aspect of the Christmas season has threatened to ruin my Christmas spirit. Here are some of the keys that have helped me to keep that from happening.

Spend Within Your Means No Matter What

The more you spend beyond your means the more your joy from giving stands to be offset by the stress that comes with not being able to pay your bills.

The way I see it, the people who genuinely care about you would NEVER want you to put yourself or your family in financial difficulty just to buy them a gift. And those that feel otherwise either have their priorities mixed up, or they don't care about you enough to warrant giving them a gift in the first place.

Leave Some Room for Unexpected Gifts

If we spend our entire gift buying budget to buy Christmas gifts, this will reduce the amount we can spend on giving surprise gifts on no special occasion. Gifts that totally surprise the recipient tend to bring more joy to the recipient, and therefore more joy to the giver.

Don't Buy Into the Hype

The stress caused by financial problems is one of the leading causes in the breakdown of relationships, yet marketing experts have convinced many of us that our love for our loved ones is directly proportional to the amount of money we spend on the gifts.

That, of course, is total hogwash and should be viewed as an insult to your intelligence!

So to avoid getting caught up in the hype, be sure to continually remind yourself and your family members that the job of marketing experts is to make profits for their employers, not to strengthen your relationships.

Thoughtful and unselfish acts of kindness express your love for your friends and family, not shiny formations of inanimate objects.

Don't Spend All of Your Quality Time

The more you attempt to show how much you love your loved ones by spending large amounts of money on their gifts, the more time you will need to allocate to working to earn the gift money. In turn this leaves less time for what your loved ones really want, which is for you to spend more quality time with them.

Become Your Own Credit Card Company

Instead of putting your gift purchases on high-interest credit cards, open a separate savings or Christmas Club account, apply for a debit card assigned to that account, and then begin making periodic deposits into that account.

This way, when it's time to start your Christmas shopping you can use your debit card to make purchases, which will totally remove the financial stress and buyer's remorse that might otherwise ruin your holiday spirit.

Plus, by paying back your own gift account instead paying back a high-interest credit card, the interest you will save will allow you to increase next year's Christmas budget by the amount you are saving. Super cool!

And of course, if you want to relieve the financial stress from other gift giving occasions, fund your gift account with enough to cover all gift-buying occasions (birthdays, anniversaries, graduations, etc.).

Act Now to Preserve and Strengthen Your Christmas Joy

If the gift-buying aspect of Christmas is any way diminishing your Christmas joy -- and/or creating post-Christmas spending remorse -- call an emergency family meeting now and hash out a plan for eliminating the causes.

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.