MONTHLY EXPENSES / BILLS / SPENDING
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Generosity / Giving / Tithing
Donations, Gifts
Contributions to Investments
Food and Groceries Costs
Monthly Housing Expenses
Rent, Mortgage (1st, 2nd, HELOC), property taxes, insurance, repairs, HOA...
Monthly Communication Expenses
Cell Phone, Internet, Landline...
Monthly Utilities Bills
Heating/Cooling, Electricity, Water, Sewer, & Trash
Monthly Transportation Costs
Average monthly loan payment, insurance, maintenance, repairs, registration/tags, gas...
Monthly Entertainment, Recreation and Dining Out Purchases, Coffee Shops
Events, memberships, hobbies...
Monthly Health and Medical Expenses
Average out-of-pocket: dental, medical, Rx, Life Insurance Premium
Monthly Subscription & Service Bills
Media streaming, landscaping, cleaning, car washes, stylist, nails, etc...
Monthly Debts Payments
Credit cards, student loan(s), medical debts... but NOT home or vehicle
Pets and Animals
Grooming, Food, Veterinarian
Other Monthly Expenses
Misc expenses not identified above (defaults to $200)

Weekly Budget
Monthly Budget
Monthly Expenses
Annual Budget
HIDDEN-Monthly Monthly Budget

Here Are Your Simple Budget Results

MONTHLY INCOME:	${MonthlyIncome}
MONTHLY EXPENSES	${TotalMonthlyExpenses}
Generosity:	${Generosity}
Savings:	${Savings}
Food:	${Food}
Housing:	${Housing}
Utilities:	${Utilities}
Communications:	${Communications}
Transportation:	${Transport}
Entertainment:	${Fun}
Healthcare:	${Health}
Subscriptions:	${Subs}
Pets:	${Pets}
Debts:	${Debts}
Miscellaneous:	${Misc}
BALANCE:	${monthlyBudget}

You Have a Balanced Monthly Budget

You have projected your expenses to be very nearly the same as your income. This means your budget is balanced.

However, your task now is to ensure you stick to the projected expenses you have identified.
You Have a Positive Projected Monthly Budget

You have projected your expenses to be less than your income. This means you are expecting to spend less money than you bring in.

Consider one or more of the following ways to use the surplus:
1. Save More
2. Invest More
3. Pay Down Debts (if applicable)
You Have a Negative Projected Monthly Budget

At the end of the month, you will likely have a SHORTFALL in your finances.

Consider one or more of the following ways to make up the difference:
1. Earn additional income (overtime, side gigs, ask for a raise)
2. Cut spending that is not related to your goals
When Adjusting Your Budget, Remember Your WHY (Goals)
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Additional Assistance Is Available
Please contact me about a program (not a loan) to pay down my consumer debts FASTER, and at LOWER interest rates with my same creditors, and generally at LOWER monthly payments in 5 years or less. As a 501(c)3 nonprofit credit counseing agency, we have helped tens of thousands of consumers annually since our founding in 1996.
Name
Country of Residence
City
ZIP

Street Address

Street Address Line 2

CityState / Province

ZIP Code
State
Phone Number
Please enter a valid phone number.Format: (000) 000-0000.
Submission Date

MonthDayYear
Date
HIDDEN Company Name

First NameLast Name
Time Spent to Complete Budget
HIDDEN-Company Email
HIDDEN-City and State

Street Address

Street Address Line 2

Zip Code
Should be Empty:

The Simple Budget Calculator

MONTHLY EXPENSES / BILLS / SPENDING

Here Are Your Simple Budget Results

MONTHLY INCOME:

${MonthlyIncome}

MONTHLY EXPENSES

Generosity:

${Generosity}

Savings:

${Savings}

Food:

${Food}

Housing:

${Housing}

Utilities:

${Utilities}

Communications:

${Communications}

Transportation:

${Transport}

Entertainment:

${Fun}

Healthcare:

${Health}

Subscriptions:

${Subs}

Pets:

${Pets}

Debts:

${Debts}

Miscellaneous:

${Misc}

BALANCE:

${monthlyBudget}