Monthly Budget Calculator with Printable Budget Spread Sheet

Monthly Budget Calculator Sign

This free online calculator will allow you to enter budgeted amounts for each of the twelve months of the year for one income category and nine separate budget categories -- each containing up to ten customizable accounts.

Plus, unlike other online budget calculators, the monthly budget calculator will give you the option of printing out a customized blank budget worksheet and/or a completed budget spread sheet. In both cases you can choose to create the report in a detailed form or in a summary form.

If you would prefer to create a budget based on average monthly income and expenses, as well as see what your spending is costing you in terms of work time and lost interest earnings, please visit the Free Personal Budgeting Calculator.

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Monthly Budget Calculator

Create and calculate a monthly budget, either from scratch or starting with a sample set of budget category and expense names.

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
Load or Clear SamplesLoad or Clear Sample TitlesLoad or Clear Sample TitlesLoad or Clear Sample Category and Expense Titles

Load or Clear Sample Category and Expense Titles:

If you would like to clear the sample category and expense titles so you can enter your own, tap the "Clr" button.

If you cleared the sample titles but you wish to reload them, tap the "Load Sample" button.

Note that either of the two buttons in this section will zero out any amounts you have entered into the section below.

Monthly Income SourcesMonthly Income SourcesMonthly Income Sources and AmountsMonthly Income Sources and Amounts

Monthly Income Sources and Amounts:

Tap the plus (+) icon to show the 10 income source lines.

Tap the text button in any row to open up a monthly budget form for that row.

Once you have edited the source name and entered or edited all monthly amounts, tap the "Save" button to save the changes and close the form.

IMPORTANT! The Save buttons within the popup forms only save entries to the calculator's current memory, not permanently to your web browser's local storage. In order save the entries to your web browser so you can recall them on your next visit, you will need to click the "Data" tab, give the data record a name, and click the "Save" button there.

Monthly Expense CategoriesMonthly Budget CategoriesMonthly Budget Categories and ExpensesMonthly Budget Categories and Expenses

Monthly Budget Categories and Expenses:

Categories: Tap the plus signs (+) to expand each category. Tap the category names to edit them.

Income/Expenses: After expanding a category, tap any expense name (or "Blank") to open a popup wherein you can make changes to the name and budget amount.

Save: After the expense name and monthly amounts have been edited, tap the "Save" button to save the changes and close the entry form.

IMPORTANT! The Save buttons within the popup form only saves your entries to the calculator's current memory, not permanently to your web browser's local storage. In order to save the entries to your web browser so you can recall them on your next visit, you will need to click the "Data" tab, give the data record a name, and click the "Save" button located there.

Edit Category Name:

Tapping the "Save" button will close the popup and save the changes to the main worksheet, whereas tapping the "Cancel" button will close the popup without saving the changes.

Edit Expense Name and Amounts:

To fill all months with the same amount, enter the amount for January and tap the "Fill Down" button.

Annual Budget SummaryAnnual Budget SummaryAnnual Budget SummaryAnnual Budget Summary

Annual Budget Summary:

This section of the calculator will keep an updated annual summary of your income and expense entries.

Income:Annual income:Budgeted annual income:Budgeted annual income:

Budgeted annual income:

This is your current total annual budgeted income.

Outgo:Annual outgo:Annual expenses, payments, and savings:Annual expenses, payments, and savings:

Annual expenses, payments, and savings:

This is the current annual total of all budgeted living expenses, debt payments, savings, and investments.

Surp/-Short:Surplus / -shortage:Budget surplus / -shortage:Budget surplus / -shortage:

Budget surplus / -shortage:

This is the total of your annual budgeted income minus the total of all annual budgeted outgo (living expenses, payments, savings, investments, etc.). If the result is preceded by a minus sign, this indicates your income is not sufficient to cover all of your budgeted outgo. No minus sign indicates a surplus (more income than outgo).

Printable Worksheet SettingsPrintable Worksheet SettingsPrintable Worksheet SettingsPrintable Worksheet Settings

Printable Worksheet Settings:

To create a printable Monthly budget worksheet, indicate how many blank category and expense rows you want included in the worksheet, and then tap the "Create Printable Worksheet" button. This will open a printer friendly window displaying your current Monthly budget worksheet.

Note that you can create a blank budget worksheet by leaving all of category and expense amounts set to zero.

Type:Report type:Budget spread sheet type:Budget spreadsheet type:

Budget spreadsheet type:

To create a printer friendly window containing your budget spread sheet, select either Summary or Detail and then tap the Printable Budget Spread Sheet button. This will open a new window containing your present entries. You can repeat this process as often as you like while working with your budget.

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


Why the belief that budgeting is easy is a primary cause of budget failure.

Budgeting Made Easy? Don't Believe It!

The primary reason most people fail at budgeting is because they've been led to believe that it should be easy, and therefore should not require any significant commitment of time and energy.

Well, I'm here to tell you that nothing could be further from the truth. The truth is, budgeting is NOT simple, nor can it be "made easy."

Believing budgeting is easy, instead of meticulously tracking their spending so they can more accurately predict future surpluses or shortages, most people quickly throw together a simplistic and unrealistic budget based on grossly-optimistic speculation. As a result they eventually give up on budgeting all together when their pathetic attempt fails to produce any results.

The reason budgeting is difficult (NOT easy), is because it's not easy to deny yourself the lifestyle that most Americans feel they are simply entitled to.

Instead of being taught to grow slow, paying as we go, we are taught that upon leaving school we are entitled to a luxurious home, a fancy car, extravagant vacations, and the latest release of every electronic gadget known to mankind.

But what most people fail to realize, is that this notion of material entitlement is what causes most Americans to lose the most important of all First Amendment rights ... their freedom.

Instead of being financially free to spend to their time serving others based on how much they enjoy their work and to what extent that work serves to solve a problem that's important to them, most Americans enslave themselves in a mountain of debt right out of school.

In turn, this forces most to choose jobs based on whatever higher paying job comes along next, rather than on how well the jobs are suited to their talents, abilities, genuine interests, and personal and family values.

If someone tries to tell you that budgeting is easy, I suspect it's because they are trying to sell you a product or service that claims to do just that. So do your own budget a big favor by declining to purchase whatever they are trying to sell you.

You don't need a computer, fancy budget software, or even a monthly budget calculator to create a budget. All you really need is a pencil, some paper, the ability to add and subtract, and one more thing that I will get to in a moment.

The Importance of Budgeting

If you don't care how you spend the time you have left on this earth, then I would tell you that budgeting is of little importance to you.

On the other hand, if you desire to spend your days serving others by performing a work that you enjoy and believe in, and you long for the freedom to spend more quality time with your loved ones, then I would tell you that budgeting is absolutely crucial to achieving those desires.

Take if from someone who's been down that road, going from being trapped in an unfulfilling job to discovering and pursuing a self-fulfilling work requires an ever increasing degree of freedom from financial obligations.

And the only way you can free yourself from financial obligation is to create a realistic budget that is based on your past spending habits, and then to work hard at trying to improve your spending habits so that you can first stop increasing your debt, and later accelerate the repayment of your debt. None of this is easy, but it is doable.

Budgeting Skill Is Not The Key To Success

Since I personally know accountants and loan officers that have dug themselves into financial slavery, I'm quite certain that it's not your level of budgeting skill that will determine whether you succeed or fail at budgeting.

Instead, I believe the key to successful budgeting is having the right motivation. In other words, if you don't know exactly why you are making sacrifices and denying yourself pleasures, then you will not have the motivation you need to create and live within a budget -- regardless of your budgeting skill level.

For me, the right motivation came in 1993. That was the year I stopped mindlessly believing what others had been telling me would make me happy (most of whom were trying to sell me something), and instead started thinking for myself.

After several months of self-analysis and countless hours seriously questioning everything I'd been taught, I took everything I had gleaned from my soul-searching and used it to create a blueprint for what I considered to be my perfect day (doing what I truly love for people and causes that are dear to me).

That blueprint proved to be the exact carrot I needed to start giving personal money management the priority it had always deserved. While this did not make it easy to forgo instant gratification for the sake of achieving meaningful, long-term desires, it helped to know exactly why I was making the sacrifices and exactly what was in it for me.

Once you have the right motivation for creating and living within a budget you too will be able to forgo instant gratification in exchange for meaningful long-term gratification -- which is the ultimate key to successful budgeting.

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.