| A | B | C | D | E | F | |
|---|---|---|---|---|---|---|
1 | ||||||
2 | TOTAL INCOME | $1,000.00 | ← AUTOMATIC CALCULATIONS | Don't put anything in this section. It is formatted to update based upon what you enter down below | ||
3 | TOTAL OUTGO | $110.00 | ||||
4 | INCOME - OUTGO. (This should = exactly zero) | $890.00 | ← Don't type in this area | <Box will automatically turn Red when Outgo exceeds income, and Green when it equals exactly zero | ||
5 | ||||||
6 | ||||||
7 | INCOME (Take Home Pay) | Amount | Notes: | |||
8 | • Primary salary (after tax) | $1,000.00 | ||||
9 | • Secondary salary | |||||
10 | • Bonuses/Commissions | |||||
11 | • Freelance/Side hustle income | |||||
12 | • Rental income | |||||
13 | • Child support/alimony | |||||
14 | • Government benefits (Kindergeld) | |||||
15 | • Other income (gifts, reimbursements, etc.) | |||||
16 | Total Income | |||||
17 | $1,000.00 | |||||
18 | OUTGO (Actual Expenses) | |||||
19 | Giving | Suggested:(10+%) | Suggested amounts are just guidelines. Percentages may vary based on income, location, family size, and financial goals. | |||
20 | • Church Offerings | $100.00 | ||||
21 | • Charitable donations | |||||
22 | • Missionary support | |||||
23 | • Sponsorships | |||||
24 | • Spontaneous Giving | $10.00 | ||||
25 | Total Giving | % of Income | Formatting already includes auto calculations | |||
26 | 110.00 € | 11.00% | ||||
27 | Saving | (10-15%) | ||||
28 | • Emergency fund | Recommended to have 3 to 6 months’ worth of essential living expenses | ||||
29 | • Retirement (IRA, 401k, etc.) | |||||
30 | • Further Education (college) | |||||
31 | • Vacation fund | |||||
32 | • Big purchases/long term (e.g., car, home, adoption...) | |||||
33 | • Investments (stocks, mutual funds, crypto) | |||||
34 | • Sinking funds (e.g., appliances, repairs) | |||||
35 | • Annual Expenditures (Car insurance, Property taxes, Vehicle registration, TUV, Subscription renewals) | you can divide these by 12 and add to their respective categories | ||||
36 | • Annual giving commitments | |||||
37 | Total Saving | % of Income | ||||
38 | 0.00 € | 0.00% | ||||
39 | Housing & Other Bills | (25-30%) | ||||
40 | • Rent or mortgage | |||||
41 | • Additional Rent Mortgage | |||||
42 | • Homeowners/renters insurance | |||||
43 | • Other insurance policies | |||||
44 | • HOA fees | |||||
45 | • Maintenance/repairs | |||||
46 | • Water | |||||
47 | • Gas | |||||
48 | • Electric | |||||
49 | • Trash/Sewer | |||||
50 | • Internet + Router | |||||
51 | • Radio | |||||
52 | • Security system | |||||
53 | • Cell Phone 1 | |||||
54 | • Cell Phone 2 | |||||
55 | • House Phone | |||||
56 | • House Cleaning | |||||
57 | Total Housing | % of Income | ||||
58 | 0.00 € | 0.00% | ||||
59 | Transportation | (10-15%) | ||||
60 | • Car payment 1 | |||||
61 | • Car payment 2 | |||||
62 | • Gas/fuel | |||||
63 | • Insurance 1 | |||||
64 | • Insurance 2 | |||||
65 | • Registration/taxes | |||||
66 | • Repairs/maintenance | |||||
67 | • Roadside Assistance (ADAK, AAA...) | |||||
68 | • Car Wash | |||||
69 | • Parking/tolls | |||||
70 | • Public transportation | |||||
71 | Total Transportation | % of Income | ||||
72 | 0.00 € | 0.00% | ||||
73 | Food | (10-15%) | ||||
74 | • Groceries | |||||
75 | • Eating Out | |||||
76 | • Coffee/snacks | |||||
77 | • School lunches | |||||
78 | Total Food | % of Income | ||||
79 | 0.00 € | 0.00% | ||||
80 | Health and Medical | (5-10%) | ||||
81 | • Health insurance | |||||
82 | • Dental/vision | |||||
83 | • Doctor visits | |||||
84 | • Prescriptions/Apps | |||||
85 | • Therapy/counseling | |||||
86 | • Gym/fitness memberships | |||||
87 | Total Health | % of Income | ||||
88 | 0.00 € | 0.00% | ||||
89 | Personal | (5-10%) | ||||
90 | • Clothing | |||||
91 | • Haircuts/salon | |||||
92 | • Toiletries | |||||
93 | • Subscriptions (Netflix, Spotify, Amazon, Audible) | |||||
94 | • Pet care (food, grooming) | |||||
95 | • Pet Insurance | |||||
96 | • Childcare/babysitting | |||||
97 | • School supplies/fees | |||||
98 | • Kids’ activities/sports | |||||
99 | • Adult activities/hobbies/clubs | |||||
100 | • Date nights/family outings | |||||