![]() ![]() Our free Excel personal budget template is as secure as you make it. Using our spreadsheet will not put you in violation of your banking agreements. ![]() However, if you are worried about divulging too much information about your spending, or are hesitant to allow an app read-only access to see your bank account transactions, you are not alone.ĭepending on your financial institution’s debit card holder agreement and electronic banking terms and conditions, you may be in violation of your agreement if you disclose your passwords and PINs to a third party. If you’ve searched for free online budgeting apps and tools, you’ve likely discovered that there are some great tools available to help you plan your spending and track your expenses. It will also help you learn where to trim your spending so that you have the money to set aside in savings for short term goals and long term plans.įree Online Budgeting Apps & Tools – Track Your Expenses to Make Money Management Easier Using the budget calculator spreadsheet will help you identify the different types of expenses that you need to plan for and what to save for each. Then it can feel like your spending plan is off track as you try to get out of debt. Expenses that you don’t expect, or which don’t occur on a monthly basis, can cause you to reach for a credit card. Use the Savings Calculator to Plan for Annual, Emergency and Unexpected Expenses to Avoid DebtĪ savings calculator is built right into the worksheet so that it’s easy to see the amount of money you need to set aside for annual, emergency and unexpected expenses. This free spreadsheet includes our very popular budgeting guidelines so that you have an idea about how your spending compares to that of other Canadians with similar sized households. There’s no such thing as a “normal” budget, but based on tens of thousands of credit counselling appointments, we’ve been able to create Canadian guidelines for how people will generally want to spend their after-tax income to avoid getting into debt.Įveryone allocates their money for personal or household expenses and savings a bit differently. What Does a Normal Personal or Household Budget Look Like?īudgeting and money management guidelines for after-tax income and to avoid debt Easy to use with more personalized expense categories than other similar templates.If you want to reduce your expenses, it can suggest dozens of places where you could consider reducing your expenses to save money.Identifies common budgeting pitfalls and offers tips and solutions to fix them.Keeps a running tally of how much you’re planning to spend versus your income.Drop down menus let you tell it whether each expense occurs weekly, monthly, annually, etc.Stand-alone Excel or Open Office file keeps your information private on your own computer.Clear graphs, dollar values and percentages so that you can adjust things as you go.This allows you to compare your spending to what's "normal" Provides guidelines for how much to spend in each category of your budget.Simple, helpful graphs let you see your monthly spending in a whole new way (just in case you're not a numbers person). ![]()
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