C2FM Resources Budget Tools and Software

Budget Tools and Software

Simple Budgets

These are the simplest way to get started with budgeting.  The pdf version can be printed for those who like to use paper and pencil.  The Excel version can be used for those who like using a computer.  
Simple Budget (PDF) Simple Budget (Excel)

Spending Tracker

These tools help you track your spending throughout the month.  You can carry a print version and enter your purchases as you make them on paper.  Or you can collect receipts and enter the expenses in a spreadsheet on a regular basis. 
Spending Tracker (PDF) Spending Tracker (Excel)

Zero Based Budget

All expenses categories are on one worksheet to make it easier to select the highest priority expenses.  Enter the budgeted amount of each expense until the amount left to budget is zero. If all expenses are budgeted and there is a positive amount left to budget, apply that amount to the smallest debt payment.  If you are debt free, apply that amount to 3 t 6 months emergency savings, retirement, college savings or build wealth and be generous. 
Zero Based Budget

Zero Based Budget Multi-page

This is similar to the simple Zero Based Budget with more features.  There are more options for detailed expenses, places where actual expenses can be added throughout the month, and a debt snowball calculator is added. 
Zero Based Budget Multi-page

Budgeting Software

Many apps are available to make the budgeting process easier.  Three software programs are reviewed in this document and there are links to other options.  Reviews of software you like using are welcomed, send them to cbouchard@mumf.org.
Budgeting Software

Debt Snowball Calculator

This calculator lets you see the progress you are making paying off your debts.  Seeing when each debt will be paid off keeps you motivated to stay with your plan. 
Debt Snowball Calculator