Generate your budget sheet
Amounts are monthly. Category percentages apply only to the spending pool left after your savings target. Planned numbers are rounded to your selected increment, then the final category is adjusted so totals still balance.
Use take-home pay after taxes and payroll deductions.
Valid range: 0 to 90 percent.
Presets change category percentages only.
Useful when you prefer simpler planned amounts.
Ready to build a monthly budget sheet.
Category allocation
Edit the percentages if your plan differs. The table below must total exactly 100% of spendable income before the sheet is generated.
| Category | Why it is included | Percent |
|---|
Allocation total
0.0%
Spreadsheet output
The generated rows include a planned amount, blank actual column, and a difference formula suggestion. Use the CSV block directly for import, or use the setup notes to build the sheet manually.
If your spreadsheet app blocks formulas on import, paste the rows first and then add the formula from the setup notes.
This tool is for budgeting structure and planning, not financial advice. Real spending, taxes, interest, and debt strategies vary by household, so review the output before making decisions.
How it works
The generator first calculates your savings target from net monthly income. It then applies the category percentages to the remaining spendable amount, rounds each planned line to the selected increment, and adjusts the last category to absorb any rounding remainder so the budget still balances.
The CSV output uses five columns: Category, Planned, Actual, Difference, and Notes. The setup notes explain where to place variance formulas and a totals row in a standard spreadsheet layout.
Recommended workflow
- Enter your take-home income and a savings target you can sustain.
- Pick the closest preset, then edit category percentages until the allocation total is 100%.
- Generate the sheet, copy the CSV into a blank spreadsheet, and review the notes for formulas and totals.