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About the Redesign

If you visited this site prior to September 15th, 2018, you've no doubt noticed that I've since launched a complete redesign of the website.

If you're not happy with the new design, I sincerely apologize. I would have preferred to keep the old desktop design, but considering the majority of my site's users are now accessing the site from small-screen, touch-enabled, mobile devices, and considering Google is now penalizing websites for not being mobile/thumb friendly, I was left with no choice but to switch to a responsive, mobile-first design.

The good news is that now that I have combined the three separate versions of the site (mobile, desktop, and ad-free member) into a single design, this will free up a ton of my time for working to make the mobile-optimized calculators more desktop/laptop friendly. In fact, some of the redesigned calculators already offer a desktop-optimized form that becomes visible when you increase the width setting of the calculator (within the "Calculator Preferences" expandable panel).

Thank you in advance for your help and patience as I work to improve the redesign.

-Dan

Calculator Preferences
Purchase Receipts Calculator Sign

Purchase Receipts Calculator

This calculator will tabulate and categorize your spending from your purchase receipts, plus the printer friendly spending report lists the time and financial opportunity costs for each purchase, category, and sub-category. Even includes a handy feature that enables you to assign sales tax to the purchases and sub-categories that caused them. The Learn tab includes:

  • The importance of keeping track of spending.
  • Keeping track of spending the hard way.
  • An easy system for tracking spending.
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
Opportunity Cost Variables

Opportunity Cost Variables:

The calculator uses the variables in this section to calculate the opportunity costs (required work time, lost interest earnings, etc.) of each expenditure and for each spending sub-category.

Since these fields apply to all receipts entered, you only need to complete this section once each receipt session.

Current age:

Current age:

Enter your current age.

Retire age:

Retire age:

Enter the age you plan or hope to retire at. The calculator will calculate the number of years till you retire and use that for calculating the opportunity costs of your spending (will appear on printed report).

Wage/hrHourly wageReal hourly wageReal hourly wage:

Real hourly wage:

Enter your after-tax, after work-related-expense hourly wage. Clicking the link will open the Real Hourly Wage calculator in a new window. The calculator will use this to calculate the amount of time you are spending at work in order to earn the income needed for each expenditure (included in printed report).

ROI:Invest return:Annual return on investments:Expected annual return on investments:

Expected annual return on investments:

Enter the annual interest rate you expect to earn on your investments. Enter as a percentage, but without the percent sign (for .06 or 6%, enter 6). The calculator uses this figure for calculating the financial opportunity costs of your spending (shown on printed worksheet).

Sales tax %:Sales tax percent:Sales tax percentage:Sales tax percentage:

Sales tax percentage:

Enter your local sales tax percentage (usually printed on receipts). Enter as a percentage, but without the percent sign (for .07375 or 7.375%, enter 7.375). The calculator will use this figure to help you assign sales tax to the sub-categories that you are charged sales tax on.

Receipt Variables

Receipt Variables:

Complete this section for each individual receipt you enter. All receipts typically have a date, a payee (who you paid the money to), a source from which the purchase was made (cash, debit card, credit card, etc.), a reference number (check number, etc.), and the total amount of the receipt.

Once you complete this section, use the section below this one to allocate (split and assign) the expenditures listed on the receipt to their appropriate spending sub-categories.

Date:Date:Date of purchase:Date of purchase:

Date of purchase:

If you would like to be able to sort the receipt list by date, enter the date printed on the receipt in a YYYY-MM-DD format (August 5, 2014 would be entered as 2014-08-05).

Paid to:Money paid to:Who money was paid to:Who money was paid to:

Who money was paid to:

Enter the name of the business the receipt is from. To keep the printed report from getting too wide or tall, try to enter a name that is just long enough to recognize what store is being referred to.

Pmt methodPayment methodMethod of paymentMethod of payment:

Method of payment:

Select what method of payment was used to make this purchase. This is important for when you go to enter the receipts from the report into whatever personal finance software you happen to use.

Ref:Reference:Reference number/name:Reference number or name:

Reference number or name:

Optional: Enter a reference number or name that points to the document or account used to make purchase. This could be a check number, the last for digits of the debt or credit card that was used, or the type of card used (Visa, Mastercard, Discover, etc.).

Total amt:Receipt total:Total receipt amount:Total receipt amount:

Receipt total amount:

Enter the grand total listed on the receipt. In order for the Purchase Receipts Calculator to work properly, this amount must be entered before allocating portions to sub-categories.

Receipt Allocation

Receipt Allocation:

For each item or group of similar items on the receipt, select a category and sub-category, indicate taxable or non-taxable, and then enter a memo and the amount (tap the "Amount" link to add up more than one amount) to allocate to the sub-category.

Once you are satisfied with the allocation, tap the "+" button (may also appear as "Add" or "Add Allocation"). This will add the allocation to the drop-down menu and recalculate the remainder (left to allocate).

Start with taxable items first and enter non-taxable items last.

To edit an allocation, select it from the menu, make the changes, and tap the "S" button (may also appear as "Save" or "Save Changes").

To delete an allocation, select it from the menu and tap the "-" button (may also appear as "Delete").

Once you have allocated all items on receipt (remainder = $0.00), tap the "Add Receipt" button to save it to the list that will appear in the next section.

Category:

Spending category:

Select a category to display the list of sub-categories available to choose from. To help you to think of your life as a business (in pursuit of happiness profits, not monetary profits) I have created these 5 main categories of spending:

  • Administration: Expenses essential to running the household, such as legal, accounting, tax preparation, communications, office supply, etc..
  • Entertainment: Non-essential expenses incurred for the sake of reducing boredom, increasing status, attempting to buy the affections of another, keeping up with the Jones', feeding unhealthly habits, etc.
  • Personnel: Expenses related to caring, feeding, clothing, and educating you and the members of your household.
  • Residential: Expenses related to housing the members of your household.
  • Transportation: Expenses related to transporting members of your household.
Sub-cat:Sub-cat:Sub-category:Sub-category:

Spending sub-category:

Select a sub-category to assign one or more receipt items to. If you can't find a sub-category to assign the expenditure to, choose "Other" and use the "Memo" field to indicate the type of purchase.

Amounts
Total$0.00

Amounts column:

Enter a single amount in "Amounts" column. Or, in cases where a receipt has more than one item in a sub-account, expand the description in this row to enter the amounts in the separate fields and the Purchase Receipts Calculator will automatically sum the entries and display the result in the "Amounts" field.

Tax

Tax column:

If you want to assign sales tax to the responsible sub-categories, be sure to enter the taxable expenditures first and with a check in the "T" box. Leave the non-taxable amounts for the last entries.

Note that if all items on the receipt are taxable, leave the "T" boxes unchecked for all entries.

The sales tax calculation is used only to help you allocate sales taxes to the sub-categories they belong to, meaning they are not listed separately on the spending report.

Memo

Memo column:

Optional: Enter a memo you would like to have appear on the report. Again, to keep from stretching the height and width of the report, keep the memo as brief as possible.

Total

Total column:

This is the calculated total of the amounts entered in adjacent column, along with the sales tax if the sales tax (T) check box is checked.

0.00
Remainder:Remainder:Receipt remainder:Receipt remainder:

Receipt remainder:

This is the difference between the total of the receipt and the combined total of the sub-category amounts.

This amount must equal "$0.00" before you will be able to add the receipt to the list.

If the remainder is not equal to "$0.00" you will need to increase or decrease the allocations to your sub-category amounts until it does.

Entered Receipts

Entered Receipts:

After tapping the Add Receipt button the receipt will be added to a list below. This version has no option for editing an entered receipt, so you need to make a change to an entered receipt you will need to delete it and enter the receipt again.

Once you have a list you can then sort the list by a specific column by tapping the column title. This sort order will be used to sort the report as well.

You can view and print your spending report at any time by tapping the Create Spending Report button that will appear beneath the report.

To clear out all receipts and spending sub-categories so you can start fresh while preserving your opportunity cost variables, click the Delete All button beneath the list.

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.

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.

 

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