Annual budget planner for families, students, workers, migrants. This automatic calculator takes a few minutes to set up. It also only takes a few minutes to update each month. A free copy is available at the link below. These notes and the Excel workbook are not copyrights. http://www.thefreeschool.education/finances.html

1. Ask a budget question

2. (a) One unit of my local currency equals 1.000 Unit of currency
MY BUDGET (AVERAGE) Weekly Monthly Annual
Income
Income source 1 : type here 0 0
Income source 2 : type here 0 0
Income source 3 : type here 0 0
Income source 4 : type here 0 0
(b) Total income 0 0 0
Living expenses
Food 0 0
Utilities 0 0
Clothing 0 0
Health care 0 0
Local travel 0 0
Health insurance 0 0
Household expenses 0 0
Rent / mortgage 0 0
Toiletries and grooming items 0 0
Other item : type here 0 0
Other item : type here 0 0
Other item : type here 0 0
Other item : type here 0 0
Contingency budget 0 0
(c) Total living expenses 0 0 0
Finance expenses
Bank interest 0 0
Bank fees 0 0
Other item : type here 0 0
Other item : type here 0 0
(d) Total Finance expenses 0 0 0
(c)+(d)-(b) (e) TOTAL SURPLUS/(DEFICIT) 0 0 0
(e) / (a) SURPLUS/DEFICIT HOME CURRENCY 0 0 0
Spreadsheet available at http://www.thefreeschool.education/finances.html
You can only change cells highlighed yellow. Enter all numbers as positives.
ANNUAL PLAN

3. Total Budget Total Actual (a) Total Budget (b) Total Actual (a)-(b)
Monthly amount Expenditure Expenditure Income Income Income variance Notes
January 0 0 0 0 0 You may choose to update the yellow cells in Column B and Column D.
February 0 0 0 0 0 The default budget formula in the yellow cells spreads your income and
March 0 0 0 0 0 expenses budget equally over the 12 calendar months.
April 0 0 0 0 0 You can update this so that your monthly budget is not the same
May 0 0 0 0 0 each month. You need to make sure that the total for these amounts
June 0 0 0 0 0 equals the total amount in the Annual Plan.
July 0 0 0 0 0 Cells B17 and D17 must equal zero. If these cells do not equal zero,
August 0 0 0 0 0 you have not reconciled the sum of the yellow cells to your Annual Plan.
September 0 0 0 0 0 You may leave the yellow cells in the default mode if you wish.
October 0 0 0 0 0
November 0 0 0 0 0
December 0 0 0 0 0
Total (a) 0 0 0 0 0
Annual Plan (b) 0 0
Error (a)-(b) 0 0
Actual Actual Actual Actual Actual Actual Actual Actual Actual Actual Actual Actual Actual Actual Actual Actual Actual Actual
Expenditure: Food Utilities Clothing Healthcare Local travel
Health
insurance
Household
expenses
Rent /
mortgage Toiletries / grooming Other 1 Other 2 Other 3 Other 4 Contingency
Bank
interest Bank fees
Other finance
1
Other
finance 2
Year to date
total
January 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
February 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
March 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
April 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
May 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
June 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
July 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
August 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
September 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
October 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
November 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
December 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0

4. WEEKLY BUDGET BY EXPENDITURE TYPE
Food
Utilities
Clothing
Health care
Local travel
Health insurance
Household expenses
Rent / mortgage
Toiletries and grooming items
Other item : type here
Other item : type here
Other item : type here
Other item : type here
Contingency budget
Bank interest
Bank fees
Other item : type here
Other item : type here

5. ACTUAL TOTAL EXPENDITURE BY MONTH
0
0
0
0
0
1
1
1
1
1
1
Finance
expenses
Living
expenses

6. Converter:
(a) One unit of the local currency equals 1.000 Foreign currency
MY BUDGET IN LOCAL CURRENCY Weekly
Income
Income source 1 : type here 0
Income source 2 : type here 0
Income source 3 : type here 0
Income source 4 : type here 0
(b) Total income 0
Living expenses
Food 0
Utilities 0
Clothing 0
Health care 0
Local travel 0
Health insurance 0
Household expenses 0
Rent / mortgage 0
Toiletries and grooming items 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Contingency budget 0
(c) Total living expenses 0
Finance expenses
Bank interest 0
Bank fees 0
Other item : type here 0
Other item : type here 0
(d) Total Finance expenses 0
(c)+(d)-(b) (e) TOTAL SURPLUS/(DEFICIT) 0
(e) / (a) SURPLUS/DEFICIT IN MY HOME CURRENCY 0
Questions email : free@thefreeschool.education
Spreadsheet available at http://www.thefreeschool.education/finances.html
You can only change cells highlighed yellow. Enter all numbers as positives.
JANUARY ACTUAL INCOME AND EXPENSES

7. Currency
(a) One unit of the local currency equals 1.000 Converter
MY BUDGET IN LOCAL CURRENCY Weekly
Income
Income source 1 : type here 0
Income source 2 : type here 0
Income source 3 : type here 0
Income source 4 : type here 0
(b) Total income 0
Living expenses
Food 0
Utilities 0
Clothing 0
Health care 0
Local travel 0
Health insurance 0
Household expenses 0
Rent / mortgage 0
Toiletries and grooming items 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Contingency budget 0
(c) Total living expenses 0
Finance expenses
Bank interest 0
Bank fees 0
Other item : type here 0
Other item : type here 0
(d) Total Finance expenses 0
(c)+(d)-(b) (e) TOTAL SURPLUS/(DEFICIT) 0
(e) / (a) SURPLUS/DEFICIT IN MY HOME CURRENCY 0
Questions email : free@thefreeschool.education
Spreadsheet available at http://www.thefreeschool.education/finances.html
You can only change cells highlighed yellow. Enter numbers as positives.
FEBRUARY ACTUAL INCOME AND EXPENSES

8. Converter:
(a) One unit of the local currency equals 1.000 Foreign currency
MY BUDGET IN LOCAL CURRENCY Weekly
Income
Income source 1 : type here 0
Income source 2 : type here 0
Income source 3 : type here 0
Income source 4 : type here 0
(b) Total income 0
Living expenses
Food 0
Utilities 0
Clothing 0
Health care 0
Local travel 0
Health insurance 0
Household expenses 0
Rent / mortgage 0
Toiletries and grooming items 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Contingency budget 0
(c) Total living expenses 0
Finance expenses
Bank interest 0
Bank fees 0
Other item : type here 0
Other item : type here 0
(d) Total Finance expenses 0
(c)+(d)-(b) (e) TOTAL SURPLUS/(DEFICIT) 0
(e) / (a) SURPLUS/DEFICIT IN MY HOME CURRENCY 0
Questions email : free@thefreeschool.education
Spreadsheet available at http://www.thefreeschool.education/finances.html
You can only change cells highlighed yellow. Enter all numbers as positives.
MARCH ACTUAL INCOME AND EXPENSES

9. Converter:
(a) One unit of the local currency equals 1.000 Foreign currency
MY BUDGET IN LOCAL CURRENCY Weekly
Income
Income source 1 : type here 0
Income source 2 : type here 0
Income source 3 : type here 0
Income source 4 : type here 0
(b) Total income 0
Living expenses
Food 0
Utilities 0
Clothing 0
Health care 0
Local travel 0
Health insurance 0
Household expenses 0
Rent / mortgage 0
Toiletries and grooming items 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Contingency budget 0
(c) Total living expenses 0
Finance expenses
Bank interest 0
Bank fees 0
Other item : type here 0
Other item : type here 0
(d) Total Finance expenses 0
(c)+(d)-(b) (e) TOTAL SURPLUS/(DEFICIT) 0
(e) / (a) SURPLUS/DEFICIT IN MY HOME CURRENCY 0
Questions email : free@thefreeschool.education
Spreadsheet available at http://www.thefreeschool.education/finances.html
You can only change cells highlighed yellow. Enter all numbers as positives.
APRIL ACTUAL INCOME AND EXPENSES

10. Converter:
(a) One unit of the local currency equals 1.000 Foreign currency
MY BUDGET IN LOCAL CURRENCY Weekly
Income
Income source 1 : type here 0
Income source 2 : type here 0
Income source 3 : type here 0
Income source 4 : type here 0
(b) Total income 0
Living expenses
Food 0
Utilities 0
Clothing 0
Health care 0
Local travel 0
Health insurance 0
Household expenses 0
Rent / mortgage 0
Toiletries and grooming items 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Contingency budget 0
(c) Total living expenses 0
Finance expenses
Bank interest 0
Bank fees 0
Other item : type here 0
Other item : type here 0
(d) Total Finance expenses 0
(c)+(d)-(b) (e) TOTAL SURPLUS/(DEFICIT) 0
(e) / (a) SURPLUS/DEFICIT IN MY HOME CURRENCY 0
Questions email : free@thefreeschool.education
Spreadsheet available at http://www.thefreeschool.education/finances.html
You can only change cells highlighed yellow. Enter all numbers as positives.
MAY ACTUAL INCOME AND EXPENSES

11. Converter:
(a) One unit of the local currency equals 1.000 Foreign currency
MY BUDGET IN LOCAL CURRENCY Weekly
Income
Income source 1 : type here 0
Income source 2 : type here 0
Income source 3 : type here 0
Income source 4 : type here 0
(b) Total income 0
Living expenses
Food 0
Utilities 0
Clothing 0
Health care 0
Local travel 0
Health insurance 0
Household expenses 0
Rent / mortgage 0
Toiletries and grooming items 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Contingency budget 0
(c) Total living expenses 0
Finance expenses
Bank interest 0
Bank fees 0
Other item : type here 0
Other item : type here 0
(d) Total Finance expenses 0
(c)+(d)-(b) (e) TOTAL SURPLUS/(DEFICIT) 0
(e) / (a) SURPLUS/DEFICIT IN MY HOME CURRENCY 0
Questions email : free@thefreeschool.education
Spreadsheet available at http://www.thefreeschool.education/finances.html
You can only change cells highlighed yellow. Enter all numbers as positives.
JUNE ACTUAL INCOME AND EXPENSES

12. Converter:
(a) One unit of the local currency equals 1.000 Foreign currency
MY BUDGET IN LOCAL CURRENCY Weekly
Income
Income source 1 : type here 0
Income source 2 : type here 0
Income source 3 : type here 0
Income source 4 : type here 0
(b) Total income 0
Living expenses
Food 0
Utilities 0
Clothing 0
Health care 0
Local travel 0
Health insurance 0
Household expenses 0
Rent / mortgage 0
Toiletries and grooming items 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Contingency budget 0
(c) Total living expenses 0
Finance expenses
Bank interest 0
Bank fees 0
Other item : type here 0
Other item : type here 0
(d) Total Finance expenses 0
(c)+(d)-(b) (e) TOTAL SURPLUS/(DEFICIT) 0
(e) / (a) SURPLUS/DEFICIT IN MY HOME CURRENCY 0
Questions email : free@thefreeschool.education
Spreadsheet available at http://www.thefreeschool.education/finances.html
You can only change cells highlighed yellow. Enter all numbers as positives.
JULY ACTUAL INCOME AND EXPENSES

13. Converter:
(a) One unit of the local currency equals 1.000 Foreign currency
MY BUDGET IN LOCAL CURRENCY Weekly
Income
Income source 1 : type here 0
Income source 2 : type here 0
Income source 3 : type here 0
Income source 4 : type here 0
(b) Total income 0
Living expenses
Food 0
Utilities 0
Clothing 0
Health care 0
Local travel 0
Health insurance 0
Household expenses 0
Rent / mortgage 0
Toiletries and grooming items 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Contingency budget 0
(c) Total living expenses 0
Finance expenses
Bank interest 0
Bank fees 0
Other item : type here 0
Other item : type here 0
(d) Total Finance expenses 0
(c)+(d)-(b) (e) TOTAL SURPLUS/(DEFICIT) 0
(e) / (a) SURPLUS/DEFICIT IN MY HOME CURRENCY 0
Questions email : free@thefreeschool.education
Spreadsheet available at http://www.thefreeschool.education/finances.html
You can only change cells highlighed yellow. Enter all numbers as positives.
AUGUST ACTUAL INCOME AND EXPENSES

14. Converter:
(a) One unit of the local currency equals 1.000 Foreign currency
MY BUDGET IN LOCAL CURRENCY Weekly
Income
Income source 1 : type here 0
Income source 2 : type here 0
Income source 3 : type here 0
Income source 4 : type here 0
(b) Total income 0
Living expenses
Food 0
Utilities 0
Clothing 0
Health care 0
Local travel 0
Health insurance 0
Household expenses 0
Rent / mortgage 0
Toiletries and grooming items 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Contingency budget 0
(c) Total living expenses 0
Finance expenses
Bank interest 0
Bank fees 0
Other item : type here 0
Other item : type here 0
(d) Total Finance expenses 0
(c)+(d)-(b) (e) TOTAL SURPLUS/(DEFICIT) 0
(e) / (a) SURPLUS/DEFICIT IN MY HOME CURRENCY 0
Questions email : free@thefreeschool.education
Spreadsheet available at http://www.thefreeschool.education/finances.html
You can only change cells highlighed yellow. Enter all numbers as positives.
SEPTEMBER ACTUAL INCOME AND EXPENSES

15. Converter:
(a) One unit of the local currency equals 1.000 Foreign currency
MY BUDGET IN LOCAL CURRENCY Weekly
Income
Income source 1 : type here 0
Income source 2 : type here 0
Income source 3 : type here 0
Income source 4 : type here 0
(b) Total income 0
Living expenses
Food 0
Utilities 0
Clothing 0
Health care 0
Local travel 0
Health insurance 0
Household expenses 0
Rent / mortgage 0
Toiletries and grooming items 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Contingency budget 0
(c) Total living expenses 0
Finance expenses
Bank interest 0
Bank fees 0
Other item : type here 0
Other item : type here 0
(d) Total Finance expenses 0
(c)+(d)-(b) (e) TOTAL SURPLUS/(DEFICIT) 0
(e) / (a) SURPLUS/DEFICIT IN MY HOME CURRENCY 0
Questions email : free@thefreeschool.education
Spreadsheet available at http://www.thefreeschool.education/finances.html
You can only change cells highlighed yellow. Enter all numbers as positives.
OCTOBER ACTUAL INCOME AND EXPENSES

16. Converter:
(a) One unit of the local currency equals 1.000 Foreign currency
MY BUDGET IN LOCAL CURRENCY Weekly
Income
Income source 1 : type here 0
Income source 2 : type here 0
Income source 3 : type here 0
Income source 4 : type here 0
(b) Total income 0
Living expenses
Food 0
Utilities 0
Clothing 0
Health care 0
Local travel 0
Health insurance 0
Household expenses 0
Rent / mortgage 0
Toiletries and grooming items 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Contingency budget 0
(c) Total living expenses 0
Finance expenses
Bank interest 0
Bank fees 0
Other item : type here 0
Other item : type here 0
(d) Total Finance expenses 0
(c)+(d)-(b) (e) TOTAL SURPLUS/(DEFICIT) 0
(e) / (a) SURPLUS/DEFICIT IN MY HOME CURRENCY 0
Questions email : free@thefreeschool.education
Spreadsheet available at http://www.thefreeschool.education/finances.html
You can only change cells highlighed yellow. Enter all numbers as positives.
NOVEMBER ACTUAL INCOME AND EXPENSES

17. Converter:
(a) One unit of the local currency equals 1.000 Foreign currency
MY BUDGET IN LOCAL CURRENCY Weekly
Income
Income source 1 : type here 0
Income source 2 : type here 0
Income source 3 : type here 0
Income source 4 : type here 0
(b) Total income 0
Living expenses
Food 0
Utilities 0
Clothing 0
Health care 0
Local travel 0
Health insurance 0
Household expenses 0
Rent / mortgage 0
Toiletries and grooming items 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Other item : type here 0
Contingency budget 0
(c) Total living expenses 0
Finance expenses
Bank interest 0
Bank fees 0
Other item : type here 0
Other item : type here 0
(d) Total Finance expenses 0
(c)+(d)-(b) (e) TOTAL SURPLUS/(DEFICIT) 0
(e) / (a) SURPLUS/DEFICIT IN MY HOME CURRENCY 0
Questions email : free@thefreeschool.education
Spreadsheet available at http://www.thefreeschool.education/finances.html
You can only change cells highlighed yellow. Enter all numbers as positives.
DECEMBER ACTUAL INCOME AND EXPENSES