[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-238074-105":3,"doc-detail-238074-en":81,"detail-sidebar-cat-1-en-105":97},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":74,"head_meta":76,"extra_data":78,"updated_unix":80},105,"en","budget-worksheet-template-for-personal-finance-planning","Budget worksheet - Template for personal finance planning","","A budget worksheet for organizing personal finances by estimating pre-tax income, calculating after-tax income, and separating amounts for savings, investments, and taxes. It guides users to list current financial priorities and identify both fixed and variable expenses with subtotals and totals for monthly budgeting. Includes a spendable-income comparison to determine how much can be saved, invested, or used to reduce debt, along with expense-reduction steps and bank-related disclosures.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/template/","Template",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/template/forms/","Forms",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/template/budget-worksheet-template-for-personal-finance-planning/238074/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/budget-worksheet-template-for-personal-finance-planning/238074.png","ImageObject",442,249,{"name":42,"@type":43},"Asher","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-23","2026-09-11",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",16,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"How does the worksheet estimate income and calculate after-tax income?","Question",{"text":63,"@type":64},"It collects pre-tax income components, totals income taxes withheld, then subtracts the taxes subtotal from the income subtotal to produce after-tax income.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"Where do savings and investments fit into the budget?",{"text":68,"@type":64},"It provides a dedicated section to total savings and investments, then subtracts savings from after-tax income to derive spendable income.",{"name":70,"@type":61,"acceptedAnswer":71},"How does the worksheet help determine whether to save more or reduce debt?",{"text":72,"@type":64},"It compares spendable income against total monthly expenses, then shows the difference to indicate how much more can be saved or invested or used toward reducing debt.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},238074,1790324369,{"code":4,"msg":82,"data":83},"success",{"doc_id":79,"user_id":84,"nickname":42,"user_avatar":85,"doc_module":22,"category_id":86,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":87,"file_id":88,"file_url":89,"file_type":90,"file_size":91,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":26,"language":92,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":93,"faqs":94,"seo_title":95,"seo_description":12,"update_tm":96,"read_time":22},687197207639,"https://ap-avatar.wpscdn.com/davatar_a8503ba1806abce46bf441b54a3ca4cd",17,"# Budget worksheet\n\nA good first step in taking control of your finances  \nCreating a budget can help you pursue your goals—whether they’re short-term, like taking a vacation, or long-term, like planning for yourretirement. By looking closely at your current expenses when you develop your budget, you’ll have the opportunity to make adjustmentsto your spending so you can contribute more to your savingsand prepare for life’s expected—and unexpected— expenses.  \n## 1. Estimate your income\n\nPre-tax income Monthly  \nWages and bonuses $    \nInterest income (CDs, bonds) + $    \nInvestment income (dividends/capital gainsfrom stocksand mutual funds)  \n+ $  \n_____________  \nOther + $    \nIncome subtotal = $    \n\n| Savingsand investments   | Monthly   |\n| --- | --- |\n| Savings accounts/emergency funds   | $     |\n| 401(k)/retirement accounts   | + $     |\n| Other stocks/bonds/mutual funds   | + $     |\n| College savings   | + $     |\n| Other   | + $     |\n| Savings   | = $     |\n\nIncome taxes withheld Monthly  \nFederal $    \nState and local + $  \nSocial Security/Medicare + $    \n\n| Other   | + $     |\n| --- | --- |\n| Taxes subtotal   | = $     |\n| Income subtotal – Taxes subtotal = After-tax income  \u003Cbr>$   — $   = $     |  |\n\nAfter-tax income – Savings = Spendable income  \n$   — $   = $    \n## 2. List your current financial priorities and costs if applicable:\n\n\n\n\nBanking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of BofA Corp. Bank of America, N.A.,Member FDIC.  \nMerrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S”) and other subsidiaries ofBank of America Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp.  \nU.S. Trust operates through Bank of America, N.A., Member FDIC.  \nGeneral disclaimer for Bank of America Merrill Lynch, visit baml.com/disclaimer.  \nInvestment products:  \n\n| Are Not FDIC Insured   | Are Not Bank Guaranteed   | May Lose Value   |\n| --- | --- | --- |\n\n## 3. List your expenses\n\n# Fixed expenses\n\nMortgage payment/rentProperty taxesHomeowners/renters insuranceCar payment  \nAuto insurance  \nChild care  \nLife/disability/health insuranceOther/student loan paymentFixed expenses subtotal  \nVariable expenses  \nHome/yard maintenance  \nGas/oil/electric  \nCable/internet/phone  \nCar maintenance  \nGas/tolls  \nGroceries  \nShopping purchases (any type)Dining out/entertainment  \nLunch/coffee/snacks  \nDry cleaning  \nMoney to your childrenCredit cards/debt payments  \nOther  \nVariable expenses subtotal  \nTotal monthly expenses(Fixed + Variable)  \nMonthly  \nbudget amount  \n$  \n+ $+ $  \n+ $+ $  \n+ $+ $  \n+ $= $  \n$  \n___________  \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $  = $    \n$  \n___________  \n___________  \n___________  \n___________  \n___________  \n___________  \n___________  \n___________  \n___________  \nMonthly  \nactual amount  \n$  \n+ $+ $  \n+ $+ $  \n+ $+ $  \n+ $= $  \n$  \n___________  \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $    \n+ $  = $    \n$  \n___________  \n___________  \n___________  \n___________  \n___________  \n___________  \n___________  \n___________  \n___________  \nDifference  \n+/ – $    \n+/ – $    \n+/ – $    \n+/ – $    \n+/ – $    \n+/ – $    \n+/ – $    \n+/ – $    \n+/– $    \n+/ – $    \n+/ – $    \n+/ – $    \n+/ – $    \n+/ – $    \n+/ – $    \n+/ – $    \n+/ – $    \n+/ – $    \n+/ – $    \n+/ – $    \n+/ – $    \n+/ – $    \n+/– $    \n+/– $  \nSteps to reduce expenses  \n\n\n\n\n\n\n\n\n\nSpendable income – Total monthly expenses = How much more can I save/invest or use towards reducing my debt?  \n$   — $   = $  (from previous page)  \nWe’re here to help  \nCall 844.528.9675  \nVisit bankofamerica.com/financialwellness  \nUnless otherwise noted, all trademarks and registered trademarks are the property of BofA Corp.  \n© 2018 Bank of America Corporation. 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List your expenses","[{\"question\":\"How does the worksheet estimate income and calculate after-tax income?\",\"answer\":\"It collects pre-tax income components, totals income taxes withheld, then subtracts the taxes subtotal from the income subtotal to produce after-tax income.\"},{\"question\":\"Where do savings and investments fit into the budget?\",\"answer\":\"It provides a dedicated section to total savings and investments, then subtracts savings from after-tax income to derive spendable income.\"},{\"question\":\"How does the worksheet help determine whether to save more or reduce debt?\",\"answer\":\"It compares spendable income against total monthly expenses, then shows the difference to indicate how much more can be saved or invested or used toward reducing debt.\"}]","Budget worksheet - Template for personal finance planning | PDF",1789130591,{"code":4,"msg":82,"data":98},[99,104,109,114,119,123,126,131,136],{"id":100,"doc_module":22,"doc_module_name":25,"category_name":101,"show_sort_weight":102,"slug":103},11,"Presentations",90,"presentations",{"id":105,"doc_module":22,"doc_module_name":25,"category_name":106,"show_sort_weight":107,"slug":108},12,"Resumes",80,"resumes",{"id":110,"doc_module":22,"doc_module_name":25,"category_name":111,"show_sort_weight":112,"slug":113},14,"Invoices",70,"invoices",{"id":115,"doc_module":22,"doc_module_name":25,"category_name":116,"show_sort_weight":117,"slug":118},15,"Posters",60,"posters",{"id":55,"doc_module":22,"doc_module_name":25,"category_name":120,"show_sort_weight":121,"slug":122},"Social Media",50,"social-media",{"id":86,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":124,"slug":125},40,"forms",{"id":127,"doc_module":22,"doc_module_name":25,"category_name":128,"show_sort_weight":129,"slug":130},18,"Letters",30,"letters",{"id":132,"doc_module":22,"doc_module_name":25,"category_name":133,"show_sort_weight":134,"slug":135},21,"Paper Templates",5,"papers-templates",{"id":137,"doc_module":22,"doc_module_name":25,"category_name":138,"show_sort_weight":4,"slug":139},158,"General","general-158"]