Enter the household details, then set the Starting Balance and customize categories in the Expenses and Income tables.
Log spending and income in Transactions, map out debts and retirement income in their own sections, and every total updates instantly.
Everything saves automatically on this device as you type — close it and pick right back up. Use ↓ Save data for a backup file per client (and ↑ Load data to restore one), or Print / Save as PDF for a polished handout.
Household
Partner 1
Spouse / Partner
Children
Monthly Budget
A snapshot of where the money is going.
$
Ending Balance
$0
+0%
Change in savings this month
$0
Saved this month
Expenses
Planned
$0
Actual
$0
Income
Planned
$0
Actual
$0
Expenses
Category
Planned
Actual
Diff
Income
Category
Planned
Actual
Diff
Transactions Pick a category for each — it flows into the totals above.
Date
Amount
Description
Category
Date
Amount
Description
Category
Debt For mapping out a snowball or avalanche payoff plan.
Type (Loan / CC)
Balance
Interest %
Min Payment
Current Payment
Extra Over Min
PAYOFF STRATEGY
Avalanche — pay minimums everywhere, then throw every extra dollar at the highest interest rate first. Saves the most money overall. Snowball — pay minimums everywhere, then attack the smallest balance first. Fastest motivation wins.
The Extra Over Min column is the firepower available to accelerate payoff. A positive total means there's room to get aggressive; zero or negative means we look for room in the budget first.
Retirement Planning Every income source against the target monthly income.
$Each balance account has its own Draw % below — adjust per source (3% conservative, 4% classic, 5–6% aggressive).
Target Monthly Income
$0
what the household wants to live on
Projected Monthly Income
$0
streams + withdrawals
Gap to Target
$0
surplus or shortfall
Owner
Source
Type
Balance
Draw %
Monthly Stream
Total / mo
Notes
RETIREMENT PLANNING NOTES
Predictable streams — Pension, Social Security, Annuity — fill in the Monthly Stream column. These don't deplete with use; leave Draw % at 0. Balance accounts — 401(k), IRA, brokerage, savings — enter the balance and a Draw %. The monthly withdrawal calculates automatically (balance × rate ÷ 12). Adjust per source: 3% conservative, 4% classic rule, 5–6% aggressive. Total / mo shows each source's combined contribution (stream + withdrawal). The grand total drives the Projected Monthly Income and the ↓ Retirement Plan row in the Income summary above, so the budget reflects the full household income picture — including what's being drawn from balance accounts. Spouse / partner sources use the Owner column to keep them sorted. Both partners' Social Security can sit here for a combined household view.