Custom Household Budget Spreadsheet

Section,Category,Item,Due Day,Planned Monthly,Mar 2025,Apr 2025,May 2025,Jun 2025,Jul 2025,Aug 2025,Sep 2025,Oct 2025,Nov 2025,Dec 2025,Jan 2026,Feb 2026,Year Total,Monthly Avg,Notes Income,Income,Dana take-home pay,,3850,=$E2,=$E2,=$E2,=$E2,=$E2,=$E2,=$E2,=$E2,=$E2,=$E2,=$E2,=$E2,=SUM(F2:Q2),=R2/12,"Paid twice a month (about 1925 per paycheck); 3850/month as given. All amounts in USD. Year assumed: plan runs Mar 2025 to Feb 2026. Change the month labels if you meant a different year." Income,Income,Luis take-home pay,,2400,=$E3,=$E3,=$E3,=$E3,=$E3,=$E3,=$E3,=$E3,=$E3,=$E3,=$E3,=$E3,=SUM(F3:Q3),=R3/12,"Varies 2400 to 2900/month with shifts; using the conservative low end (2400). Enter actual pay each month." Subtotal,Income,TOTAL INCOME,,=SUM(E2:E3),=SUM(F2:F3),=SUM(G2:G3),=SUM(H2:H3),=SUM(I2:I3),=SUM(J2:J3),=SUM(K2:K3),=SUM(L2:L3),=SUM(M2:M3),=SUM(N2:N3),=SUM(O2:O3),=SUM(P2:P3),=SUM(Q2:Q3),=SUM(R2:R3),=R4/12, Expense,Housing,Rent,1,1725,=$E5,=$E5,=$E5,=$E5,=$E5,=$E5,=$E5,=$E5,=$E5,=$E5,=$E5,=$E5,=SUM(F5:Q5),=R5/12,Due on the 1st Subtotal,Housing,Housing subtotal,,=SUM(E5:E5),=SUM(F5:F5),=SUM(G5:G5),=SUM(H5:H5),=SUM(I5:I5),=SUM(J5:J5),=SUM(K5:K5),=SUM(L5:L5),=SUM(M5:M5),=SUM(N5:N5),=SUM(O5:O5),=SUM(P5:P5),=SUM(Q5:Q5),=SUM(R5:R5),=R6/12, Expense,Utilities,Electric,,95,=$E7,=$E7,=$E7,=$E7,=$E7,=$E7,=$E7,=$E7,=$E7,=$E7,=$E7,=$E7,=SUM(F7:Q7),=R7/12,"About 95/month; runs higher in summer. Overwrite Jun to Aug with your actual bills." Expense,Utilities,Gas/heat,,60,=$E8,=$E8,=$E8,=$E8,=$E8,=$E8,=$E8,=$E8,=$E8,=$E8,=$E8,=$E8,=SUM(F8:Q8),=R8/12,Approximate (~60/month) Expense,Utilities,Internet,12,70,=$E9,=$E9,=$E9,=$E9,=$E9,=$E9,=$E9,=$E9,=$E9,=$E9,=$E9,=$E9,=SUM(F9:Q9),=R9/12,Due on the 12th Expense,Utilities,Phones (both),,110,=$E10,=$E10,=$E10,=$E10,=$E10,=$E10,=$E10,=$E10,=$E10,=$E10,=$E10,=$E10,=SUM(F10:Q10),=R10/12,Combined bill for both phones Subtotal,Utilities,Utilities subtotal,,=SUM(E7:E10),=SUM(F7:F10),=SUM(G7:G10),=SUM(H7:H10),=SUM(I7:I10),=SUM(J7:J10),=SUM(K7:K10),=SUM(L7:L10),=SUM(M7:M10),=SUM(N7:N10),=SUM(O7:O10),=SUM(P7:P10),=SUM(Q7:Q10),=SUM(R7:R10),=R11/12, Expense,Transportation,Car payment,15,362,=$E12,=$E12,=$E12,=$E12,=$E12,=$E12,=$E12,=$E12,=$E12,=$E12,=$E12,=$E12,=SUM(F12:Q12),=R12/12,Due on the 15th Expense,Transportation,Gas for car,,220,=$E13,=$E13,=$E13,=$E13,=$E13,=$E13,=$E13,=$E13,=$E13,=$E13,=$E13,=$E13,=SUM(F13:Q13),=R13/12,Approximate (~220/month) Subtotal,Transportation,Transportation subtotal,,=SUM(E12:E13),=SUM(F12:F13),=SUM(G12:G13),=SUM(H12:H13),=SUM(I12:I13),=SUM(J12:J13),=SUM(K12:K13),=SUM(L12:L13),=SUM(M12:M13),=SUM(N12:N13),=SUM(O12:O13),=SUM(P12:P13),=SUM(Q12:Q13),=SUM(R12:R13),=R14/12, Expense,Insurance,Car insurance,,130,=$E15,=$E15,=$E15,=$E15,=$E15,=$E15,=$E15,=$E15,=$E15,=$E15,=$E15,=$E15,=SUM(F15:Q15),=R15/12,780 every 6 months → 130/month set aside Expense,Insurance,Renters insurance,,0,=$E16,=$E16,=$E16,=$E16,=$E16,=$E16,=$E16,=$E16,=$E16,=$E16,=$E16,=$E16,=SUM(F16:Q16),=R16/12,Not provided — enter your amount Subtotal,Insurance,Insurance subtotal,,=SUM(E15:E16),=SUM(F15:F16),=SUM(G15:G16),=SUM(H15:H16),=SUM(I15:I16),=SUM(J15:J16),=SUM(K15:K16),=SUM(L15:L16),=SUM(M15:M16),=SUM(N15:N16),=SUM(O15:O16),=SUM(P15:P16),=SUM(Q15:Q16),=SUM(R15:R16),=R17/12, Expense,Debt Payments,Student loan,20,245,=$E18,=$E18,=$E18,=$E18,=$E18,=$E18,=$E18,=$E18,=$E18,=$E18,=$E18,=$E18,=SUM(F18:Q18),=R18/12,Due on the 20th Expense,Debt Payments,Credit card minimum,,85,=$E19,=$E19,=$E19,=$E19,=$E19,=$E19,=$E19,=$E19,=$E19,=$E19,=$E19,=$E19,=SUM(F19:Q19),=R19/12,Minimum payment only; the extra payoff amount is in Savings & Goals Subtotal,Debt Payments,Debt Payments subtotal,,=SUM(E18:E19),=SUM(F18:F19),=SUM(G18:G19),=SUM(H18:H19),=SUM(I18:I19),=SUM(J18:J19),=SUM(K18:K19),=SUM(L18:L19),=SUM(M18:M19),=SUM(N18:N19),=SUM(O18:O19),=SUM(P18:P19),=SUM(Q18:Q19),=SUM(R18:R19),=R20/12, Expense,Food,Groceries,,750,=$E21,=$E21,=$E21,=$E21,=$E21,=$E21,=$E21,=$E21,=$E21,=$E21,=$E21,=$E21,=SUM(F21:Q21),=R21/12,Approximate (~750/month) Expense,Food,Takeout & dining out,,200,=$E22,=$E22,=$E22,=$E22,=$E22,=$E22,=$E22,=$E22,=$E22,=$E22,=$E22,=$E22,=SUM(F22:Q22),=R22/12,Estimate given as 'maybe 200' Subtotal,Food,Food subtotal,,=SUM(E21:E22),=SUM(F21:F22),=SUM(G21:G22),=SUM(H21:H22),=SUM(I21:I22),=SUM(J21:J22),=SUM(K21:K22),=SUM(L21:L22),=SUM(M21:M22),=SUM(N21:N22),=SUM(O21:O22),=SUM(P21:P22),=SUM(Q21:Q22),=SUM(R21:R22),=R23/12, Expense,Subscriptions,Netflix,,15.49,=$E24,=$E24,=$E24,=$E24,=$E24,=$E24,=$E24,=$E24,=$E24,=$E24,=$E24,=$E24,=SUM(F24:Q24),=R24/12, Expense,Subscriptions,Spotify Duo,,16.99,=$E25,=$E25,=$E25,=$E25,=$E25,=$E25,=$E25,=$E25,=$E25,=$E25,=$E25,=$E25,=SUM(F25:Q25),=R25/12, Expense,Subscriptions,Amazon Prime,,11.58,=$E26,=$E26,=$E26,=$E26,=$E26,=$E26,=$E26,=$E26,=$E26,=$E26,=$E26,=$E26,=SUM(F26:Q26),=R26/12,139/year → 11.58/month set aside Subtotal,Subscriptions,Subscriptions subtotal,,=SUM(E24:E26),=SUM(F24:F26),=SUM(G24:G26),=SUM(H24:H26),=SUM(I24:I26),=SUM(J24:J26),=SUM(K24:K26),=SUM(L24:L26),=SUM(M24:M26),=SUM(N24:N26),=SUM(O24:O26),=SUM(P24:P26),=SUM(Q24:Q26),=SUM(R24:R26),=R27/12, Expense,Personal & Household,Gym - Dana,,40,=$E28,=$E28,=$E28,=$E28,=$E28,=$E28,=$E28,=$E28,=$E28,=$E28,=$E28,=$E28,=SUM(F28:Q28),=R28/12, Expense,Personal & Household,Gym - Luis,,40,=$E29,=$E29,=$E29,=$E29,=$E29,=$E29,=$E29,=$E29,=$E29,=$E29,=$E29,=$E29,=SUM(F29:Q29),=R29/12, Expense,Personal & Household,Household supplies & personal care,,0,=$E30,=$E30,=$E30,=$E30,=$E30,=$E30,=$E30,=$E30,=$E30,=$E30,=$E30,=$E30,=SUM(F30:Q30),=R30/12,Not provided — enter your amount Subtotal,Personal & Household,Personal & Household subtotal,,=SUM(E28:E30),=SUM(F28:F30),=SUM(G28:G30),=SUM(H28:H30),=SUM(I28:I30),=SUM(J28:J30),=SUM(K28:K30),=SUM(L28:L30),=SUM(M28:M30),=SUM(N28:N30),=SUM(O28:O30),=SUM(P28:P30),=SUM(Q28:Q30),=SUM(R28:R30),=R31/12, Expense,Pets,Dog food + vet,,90,=$E32,=$E32,=$E32,=$E32,=$E32,=$E32,=$E32,=$E32,=$E32,=$E32,=$E32,=$E32,=SUM(F32:Q32),=R32/12,Approximate (~90/month) Subtotal,Pets,