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Bills.com's Budget Calculator - Where Does Your Money Go?

Use Bills.com's Budget Calculator to learn about your spending.

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In this article:
  • The most basic part of your financial picture is spending.
  • Before you ramp up your savings, pay off your debts, or build a downpayment, learn where your money goes.
  • Use the Budget Tool to assess your spending habits, and then set your financial goals.

Improve Your Finances - Get Your Spending in Control

Budget Calculator: Check Your Cash Flow

Get in control of your spending.  Start by taking a close look at your spending habits. Then fill out this easy to use budget sheet. We have split it into major categories so that you don't get bogged down with tons of details. 

Here are the steps to take. Fill out your:

  1. Major Inflows: Your Income
  2. Taxes: So you know your net income
  3. Major Outflows: Include personal expenses, debts, etc.
  4. Savings: Spending on yourself and your future should be part of any budget
  5. Results: Check out how you are doing.

Don't forget. This is a process. Check your progress on your dashboard.

1
Inflow - Calculate Your Monthly Income

Calculate your average monthly gross income.

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Total Gross Monthly Income
$ 0
Next
2
Outflow - Estimated Taxes

The amount of money you have available each month to spend depends on how you manage your taxes. Do you deduct enough money each month? Do you need to make estimated tax payments?

Calculate your monthly tax deductions.

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Total Tax Payments
$ 0
Next
3
Outflow - Expenses (Monthly Average)

We know how difficult it is to keep a budget. There are a lot of different categories. Also some of us use a lot of cash and others use a combination of cash, credit cards, debit cards, online banking and checks.

Don't let it get too complicate. Let's get the basics. Then you can improve by using a budgeting tool, online paying apps, etc.

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Loans - Unsecured Debt
Auto loans, credit card (minimum payment), student loans
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Total Expenses
$ 0
Next
4
How Much are You Putting Toward Saving?

Savings is a crucial part of your overall financial plan. It also is a vital element in your monthly spending.

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Total Savings
$ 0
Calculate
5
Get Key Results - Based on Monthly Calculations

Congratulations on the hard work putting down your monthly income, expenditures, and savings.

Now you can get the Key Results and then we can help you make improvements.

Total Gross Income
$ 0
Net Income (after tax)
$ 0
Total Expenses
$ 0
Total Savings Recap
$ 0
Spending: Net Income Less Expenses
 
$ 0
0%
Savings to Income Ratio
0%
Spending to Income Ratio
0%
Unsecured Debt Payments to Income Ratio
 

Budgeting and Improving Your Finances

Budgeting is the foundation of your finances. Reducing your spending, saving more money, and managing your debt all start with an awareness of where your money goes. 

While there are many budgeting tools to help you track your spending on a monthly, daily, hourly basis, our aim is to help you assess your financial situation and then take small steps to improve your situation. 

Take our financial health assessment survey and then get a free consultation.

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Choose your debt amount
Get Started 
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