Personal Budget Template

This budget template can either be completed online or you can download a reusable template.

Divided into 5 categories to make it easier, simply add more lines if you need to in any of the categories.

Income:
All constant and stable income

Debts:
All contractual obligations – mortgage/rent payments, personal loans/hire purchases.
(Credit card payments unless you pay this in full each month).

Living Costs:
Functional/necessary expenses – power, food, petrol, clothing, education, vehicle costs etc.

Savings/Insurance:
Insurance premiums and any contributions to regular savings you are making.
(Do not include Kiwisaver or other investment type savings)

Lifestyle:
The extras – birthdays, gym, takeaways, sports/hobbies, pocket money, entertainment etc

FINAL CHECK: Have you missed anything? Think annually and not just immediate, are there other expenses you need to allow for?

Once completed click calculate button to summarize your budget. Is your budget balanced?

You can also download a PDF copy to save to your computer.

Once completed the online version also helps you know what you should focus on next. Check it out once completed.