Personal Budget Planner Worksheet
One of the first steps that an individual
or family should do before meeting with a financial planner is to prepare a
budget. It is helpful to look at not only your income and expenses from
previous years, but it is also important to look at what you estimate your
future income and expenses will be.
It is suggested that in the first column you list your past
income (or expenses) and indicate whether these are actual or estimated. In the
second column, list what you are budgeting for the near future, for example, next
month or quarter or year.In the third column, you can then compare your actual future
income and expenses with the budgeted amounts in column two.
Budget Planner
Worksheet - Income
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Indicate if actual or
budgeted
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Indicate the time
period
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Cash Income
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1.Gross salary
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$
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$
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$
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2. Interest
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3. Dividends
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4. Bonuses/profit sharing
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5. Alimony/child support received
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6. Distributions from partnerships
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7. Income from outside businesses
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8. Trust Distributions
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9. Pension
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10.Social Security
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11.Gifts
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12. Proceeds from sale of investments
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13. Other
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14. Total Cash Income
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$
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$
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$
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Budget Planner
Worksheet - Expenses
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Indicate if actual or
budgeted
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Indicate the time
period
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Cash Expenses
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1.Housing
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$
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$
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$
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2. Food
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3.Household Maintenance
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4. Utilities and telephone
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5. Clothing
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6. Personal Care
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7. Medical and dental care
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8. Automobile/transportation
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9. Childcare
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10. Entertainment
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11. Vacations/travel
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12. Gifts
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13. Contributions
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14. Insurance
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15. Miscellaneous out-of-pocket
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16. Furniture
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17. Home improvements
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18. Real estate taxes
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19. Loan Payments
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20. Credit card payments
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21. Alimony/child support payments
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22. Tuition/education expenses
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23. Business/professional expenses
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24. Savings/investments
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25. Income and Social Security taxes
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26. Other
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27. Total Cash Expenses
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$
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$
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$
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Excess (Shortfall) of Cash Income
Over Cash Expenses
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$
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$
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$
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