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Cash Flow Budgeting Tool - the Better Way to Budget®
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Initialize
Update the orange cell with the date your simulation starts.
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Watch Tutorial Video
1Income
Enter starting checking account balance (in cell B13) and future paychecks based on the date funds are available.
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2Expenses
Enter payments (or expected payments) to vendors for bills on their expected transaction date.
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3Goals
Plan to achieve goals and earn trophies and make notes to yourself to help establish a routine and good habits.
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4Balance
If your balance is "in the red" you may want to make adjustments to your payment dates (possible grace period) or vendor selections.
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5Maintain
Enter bank fees and transfers to savings (and expected bank fees and transfers to savings) on their expected transaction date.
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Note: the Budget Challenge Cash Flow Budget Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
pswd: budgetchallenge
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Simulation DateDepositsWithdrawals, Fees and TransfersApartment RentAuto Loan BillAuto Ins BillCable BillCell Phone BillCredit Card BillUtilities BillRenters Ins BillStudent Loan BillTotal WithdrawalsTotal DepositsChecking Acct BalanceSimulation Day
Trophy Deadlines
Notes / Reminders / To-Do's
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7/1/2022Launch Day (confirm Vendor Selections made)
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7/2/2022 $ - $0.00 1 Credit Health Trophy Awarded - Don't lose it
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7/3/2022 $ - $0.00 2
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7/4/2022 $ - $0.00 3
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7/5/2022 $ - $0.00 4
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7/6/2022 $ - $0.00 5
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7/7/2022 $ - $0.00 6
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7/8/2022 $ - $0.00 7
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7/9/2022 $ - $0.00 8
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7/10/2022 $ - $0.00 9
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7/11/2022 $ - $0.00 10
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7/12/2022 $ - $0.00 11 Emergency Fund Goal
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7/13/2022 $ - $0.00 12
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7/14/2022 $ - $0.00 13
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7/15/2022 $ - $0.00 14
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7/16/2022 $ - $0.00 15
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7/17/2022 $ - $0.00 16
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7/18/2022 $ - $0.00 17
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7/19/2022 $ - $0.00 18
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7/20/2022 $ - $0.00 19
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7/21/2022 $ - $0.00 20 Perfect Pay Goal 1
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7/22/2022 $ - $0.00 21
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7/23/2022 $ - $0.00 22
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7/24/2022 $ - $0.00 23
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7/25/2022 $ - $0.00 24
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7/26/2022 $ - $0.00 25
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7/27/2022 $ - $0.00 26
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7/28/2022 $ - $0.00 27
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7/29/2022 $ - $0.00 28
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7/30/2022 $ - $0.00 29
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7/31/2022 $ - $0.00 30
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8/1/2022 $ - $0.00 31
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8/2/2022 $ - $0.00 32
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8/3/2022 $ - $0.00 33
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8/4/2022 $ - $0.00 34
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8/5/2022 $ - $0.00 35
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8/6/2022 $ - $0.00 36 Credit Card Management Goal approaching
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8/7/2022 $ - $0.00 37
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8/8/2022 $ - $0.00 38
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8/9/2022 $ - $0.00 39
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8/10/2022 $ - $0.00 40
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8/11/2022 $ - $0.00 41
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8/12/2022 $ - $0.00 42
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8/13/2022 $ - $0.00 43
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8/14/2022 $ - $0.00 44
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8/15/2022 $ - $0.00 45
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8/16/2022 $ - $0.00 46
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8/17/2022 $ - $0.00 47
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8/18/2022 $ - $0.00 48
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8/19/2022 $ - $0.00 49 Retirement Savings Goal
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8/20/2022 $ - $0.00 50
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8/21/2022 $ - $0.00 51
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8/22/2022 $ - $0.00 52
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8/23/2022 $ - $0.00 53
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8/24/2022 $ - $0.00 54
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8/25/2022 $ - $0.00 55
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8/26/2022 $ - $0.00 56
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8/27/2022 $ - $0.00 57
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8/28/2022 $ - $0.00 58
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8/29/2022 $ - $0.00 59
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8/30/2022 $ - $0.00 60
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8/31/2022 $ - $0.00 61
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9/1/2022 $ - $0.00 62
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9/2/2022 $ - $0.00 63
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9/3/2022 $ - $0.00 64
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9/4/2022 $ - $0.00 65
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9/5/2022 $ - $0.00 66
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9/6/2022 $ - $0.00 67
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9/7/2022 $ - $0.00 68
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9/8/2022 $ - $0.00 69
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9/9/2022 $ - $0.00 70 Debt Reduction, Perfect Pay 2 and Credit Health Goals
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