Personal Finance Buckets
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[INSERT INITIALS]YearMonthlyBi-weeklyWeekly
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Income (pre-tax)$49,953$4,163$1,916$958100%
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Taxes$15,643$1,304$600$30031%
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Health Insurance$2,607$217$100$505%
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401K$1,043$87$40$202%
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Income (post-tax)$30,660$2,555$1,176$58861%
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Rent$12,990$1,083$498$24942%
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Utilities$1,559$130$60$305%
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Internet$2,598$217$100$508%
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Grocery$1,559$130$60$305%
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Insurance$1,039$87$40$203%
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TITHE$4,995$416$192$9610%
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Safe to spend$2,607$217$100$509%
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Savings$3,313$276$127$6411%
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Step by step instructions
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To use this for yourself, click [File -> Make a Copy]. This will create your own copy to edit. No need to request access
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1. Start by filling out the cells that have four black lines surrounding them, the rest of the cells should auto compute
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2. The top “pre-tax” section amounts can be found on your pay stub (If you aren’t sure where to find your pay stubs, ask your employer)
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3. The post-tax income (green) is the amount that actually lands in your bank account when you receive a paycheck.
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4. The red middle section is for expenses. Feel free to add new expense rows in the top menu by clicking ‘INSERT - New Row’.
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For fixed expenses put in the plain amount in whatever period you pay on
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For variable expenses, take what you pay in an average period and budget slightly above.
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5. The blue sections are for goals, savings, investments, and safe-to-spend. Compute this section last as this is the only section you have control over in the present moment.
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6. Formulas should compute the remaining numbers in the blank cells of the table. If not, reference other cells in the same column/row to copy the formulas
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7. You’ll be finished once each cell has a number.
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8. Great job, you now have a rock solid view of your finances
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