Cash Doctors Budget Planner

Terms of Use
CashDoctors.com.au

Please read and agree to the terms of use below before using this budg

This budgeting tool has been provided to the user with the following conditions:

This budgeting tool has not been formally audited or reviewed and Cash Doctors accepts no respons
accurateness or completeness of this tool either inherent or explicit.
If you choose to use this budgeting tool, you do so at your own risk and are responsible for your own
As this budgeting tool has been downloaded to various electronic locations, Cash Doctors does not g
computer viruses and electronic errors which may affect the integrity of the file and the system which
This budgeting tool has been designed so that you can input your personal data to apply certain budg
situation. Cash Doctors is not responsible for inaccuracies, failure of the tool or calculation errors due
Cash Doctors is not responsible for inaccuracies, failure of the tool or calculation errors due to inadeq
of this budgeting tool.

By opening this file you are by default, unconditionally accepting all of the above terms of use

I have reviewed, understand and consent to the Terms of Use and

use below before using this budgeting tool.

the following conditions:

viewed and Cash Doctors accepts no responsibility for the adequacy,
nt or explicit.
our own risk and are responsible for your own due diligence.
electronic locations, Cash Doctors does not guarantee that the file is free from
ct the integrity of the file and the system which receives it.
input your personal data to apply certain budgeting principals to your individual
cies, failure of the tool or calculation errors due to the data you input into the tool.
e of the tool or calculation errors due to inadequacies or errors within the coding

ally accepting all of the above terms of use.

ent to the Terms of Use and 

Let's Start!
Provide some basic information below, learn how to

Enter your initial details

1. What year would you like to budget for? (e.g. this year or next?)
2. Select the month you want to start with (e.g this month or in the future?)
3. How much have you already saved? ($XX)

Follow these simple steps to plan your budget and track your actual spending

Step 1: Enter your earnings

1. Choose between a basic annual budget and an advanced monthly budget
2. Enter your estimated earnings
3. Don't forget to list every one of your income sources (e.g. shares, salary, odd jobs)

Step 2: Enter your expected expenses

1. Choose between a basic annual budget and an advanced monthly budget
2. Enter all of your expected expenses (e.g. how much you would allocate for your transport expenses, hom

Step 3: Track your actual spending as you go

1. Track your ACTUAL expenses throughout your selected budget period (this is different from your EXPE
2. Enter all of your expenses as you actually spend, this will save you time entering it all at the end of the m

Step 4: Your Summary Graphs

1. See where your money is going at a glance with easy to read graphs
2. Check the graphs regularly and print them to keep you and your family up to date on where your money

Additional Savings Tools
A. Savings Estimator Tool: Estimate your total savings potential
B. Savings Time Target Tool: See how long it will take to reach your savings goal
C. Monthly Savings Tool: Find out how much you need to save to hit your time and savings goals

w, learn how to use the tool and find out what it will show you

transport expenses, home loan/rent etc.)

ifferent from your EXPECTED expense which you entered on tab 3 called "Step 2. Expenses")
g it all at the end of the month

te on where your money is going and where you can improve

d savings goals

Step 1. Earnings
Enter your earnings in this worksheet
1-1. Select the Basic Budgeting System if you receive frequent and equal amount
OR select the Advanced Budgeting System if you expect to earn different am
1-2. Complete the table below with your estimated earnings starting in row 16 (do

(Select which budgeting system you want to use) << Drop down (click the orange)

Basic
Frequency Amount Monthly Average
Name this row -
Name this row -
Name this row -
Name this row -
Name this row -
Name this row -
Name this row -
Total -

TOTAL EARNINGS: -

orksheet
you receive frequent and equal amounts of money weekly, monthly, quarterly or annually
stem if you expect to earn different amounts each month
timated earnings starting in row 16 (don't forget to list EVERY one of your income sources)

Advanced
Yearly Total - - - - -
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- Monthly Average Yearly Total
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Step 2. Expenses
Enter your expected spending in this worksheet
2-1. Select the Basic Budgeting System if you expect to spend the same amount
OR select the Advanced Budgeting System if you expect to have different mo
2-2. Complete the tables below with your expected expenses starting in row 16

(Select which budgeting system you want to use) << Drop down (click the orange)

Basic
Transport Expenses Frequency Amount Monthly Average
Car Loan/Lease -
Car Registration -
Car Maintenance -
Car Insurance -
Public Transportation -
Petrol -
Others (name this row) -
Total -

Home Expenses Frequency Amount Monthly Average
Home Loan -
Rent -
Maintenance -
Insurance -
Assets (Furniture, Computer, etc) -
Groceries -
Laundry -
Food -
Total -

Utility Bills Expenses Frequency Amount Monthly Average
Phone -
Mobile Phone -
Gas -
Electric -
Internet -
Water -
Cleaners -
Total -

Health Care Expenses Frequency Amount Monthly Average
Health Insurance -
Life Insurance -
Dental -
Medical -
Chemist -
Optical -
Total -

Entertainment Expenses Frequency Amount Monthly Average
Movies -
Movie/Show Rentals -
Restaurants -
TV Subscriptions -
Shopping -
Travel/Holidays -
Total -

Miscellaneous Expenses Frequency Amount Monthly Average

Total -

TOTAL SPENDING: -

g in this worksheet
you expect to spend the same amount of money on a frequent and regular basis
stem if you expect to have different monthly spending habits
xpected expenses starting in row 16

Advanced
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Step 3. Track as you go
Track your actual spending in this worksheet
3-1. Enter your monthly earnings in the top table; the fastest way to do this is by r
3-2. Scroll down and enter your ACTUAL spending on each of the items in the tab
3-3. Row 25 will then show you how much left over cash you have for each month

Actual Earnings vs. Actual Spend
- - -
Name this row
Name this row
Name this row
Name this row
Name this row
Name this row
Name this row

TOTAL EARNINGS: - - -

TOTAL SPENDING: - - -

Left over cash: - - -
Ok Ok Ok

Transport Expenses
Car Loan/Lease
Car Registration
Car Maintenance
Car Insurance
Public Transportation
Petrol
Others (name this row)
Total - - -

Home Expenses
Home Loan
Rent
Maintenance
Insurance
Assets (Furniture, Computer, etc)
Groceries
Laundry
Food
Total - - -

Utility Bills Expenses
Phone
Mobile Phone
Gas
Electric
Internet
Water
Cleaners
Total - - -

Health Care Expenses
Health Insurance
Life Insurance
Dental
Medical
Chemist
Optical
Total - - -

Entertainment Expenses
Movies
Movie/Show Rentals
Restaurants
TV Subscriptions
Shopping
Travel/Holidays
Total - - -

Miscellaneous Expenses
Total - - -

n this worksheet
table; the fastest way to do this is by re-entering the data you entered in tab 1 (Step 1. Earnings)
pending on each of the items in the tables
eft over cash you have for each month

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Ok Ok Ok Ok Ok Ok

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- - - Monthly Average Yearly Total
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Ok Ok Ok Ok Ok

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Step 4. Summary Graphs
See your Budget Summary in graph format
(Select Time Period) Please complete the initial details required in the LET'S START tab

Actual Monthly Summary
1

1

1

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0

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Actual amount you are earning Actual amount you are spending

- -
Actual amount you are earning - -
Actual amount you are spending - -
Actual money you have left for the month - -

Track your savings!
1

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0

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Monthly Savings

- -
Money at the start of the month - -
Actual Income per month - -
Actual Expenditures per month - -
How much money do you have at the end of the month? - -

Actual vs. Budget
Summary

1 1
1 1
1 1
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0 0
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Budget Actual Budget

Budget Actual
Income - -
Expense - -
Savings - -

Actual vs. Budget
Income

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Name this row Name this row Name this row Name this row Name this row

Budget Actual

Budget Actual
Name this row - -
Name this row - -
Name this row - -
Name this row - -
Name this row - -
Name this row - -
Name this row - -
Total - -

Actual vs. Budget
Expenses

1
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0
-
Transport Expenses Home Expenses Utility Bills Expenses Health Care Expenses Entertainment
Expenses

Budget Actual

Budget Actual
Transport Expenses - -
Home Expenses - -
Utility Bills Expenses - -
Health Care Expenses - -
Entertainment Expenses - -
Miscellaneous Expenses - -
Total - -

Expense Details
Transport Expenses Budget Actual
Car Loan/Lease - -
Car Registration - -
Car Maintenance - -
Car Insurance - -
Public Transportation - -

Petrol - -
Others (name this row) - -
Total - -

Home Expenses Budget Actual
Home Loan - -
Rent - -
Maintenance - -
Insurance - -
Assets (Furniture, Computer, etc) - -
Groceries - -
Laundry - -
Food - -
Total - -

Utility Bills Expenses Budget Actual
Phone - -
Mobile Phone - -
Gas - -
Electric - -
Internet - -
Water - -
Cleaners - -
Total - -

Health Care Expenses Budget Actual
Health Insurance - -
Life Insurance - -
Dental - -
Medical - -
Chemist - -

Optical - -
Total - -

Entertainment Expenses Budget Actual
Movies - -
Movie/Show Rentals - -
Restaurants - -
TV Subscriptions - -
Shopping - -
Travel/Holidays - -
Total - -

Miscellaneous Expenses Budget Actual
Total - -

graph format
etails required in the LET'S START tab << Drop down (year-to-date as of what month?)

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Actual money you have left for the month

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Budget Actual Budget Actual

Under/Over Note
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Actual Income Breakdown

0%

Name this row Name this row

Under/Over Note
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Actual Expense Breakdown

0%

Entertainment Miscellaneous
Expenses Expenses

Under/Over Note
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Under/Over Note

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- - - - Monthly Average Yearly Total
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n

Name this row
Name this row
Name this row
Name this row
Name this row
Name this row
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n

Transport Expenses
Home Expenses
Utility Bills Expenses
Health Care Expenses
Entertainment Expenses
Miscellaneous Expenses

Savings Estimator Tool
See how much you can save in 5 years
1. Enter the initial information required below (e.g. How much are your estimated
2. Find out your savings potential over the next 5 years (row 37)
3. You can enter one-off additional savings amounts in column G from row 46 dow

Initial Information
1. How much have you already saved? ($$)
2. How much are your monthly savings?*
3. What is your current bank account interest rate per year? << Enter your savings account annu
4. Please enter your starting year* << Enter your starting year in full, e.
5. Please enter your starting month* << Drop down

* required fields

Savings Chart
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Savings Account estimated closing balance per year

Year 1 Year 2 Year 3 Year 4
Amount saved per
- - - -
year
(cumulative)

Track your Monthly Savings
Enter your one-off additional savings in the white column below
(column G)

Month Opening Balance Monthly Savings Additional Savings Interest Earned

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ow much are your estimated monthly savings?)
ars (row 37)
in column G from row 46 down

Enter your savings account annual interest rate
Enter your starting year in full, e.g. 2012
Drop down

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Year 5

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e column below

Closing Balance

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Savings Time Target Tool
See how long it will take to achieve your savings targ
1. Enter the initial information required below (e.g. How much is your savings targ
2. Find out when you will reach your savings target (rows 17 and 19)
3. You can enter one-off additional savings amounts in column G from row 49 dow

Initial Information
2. How much savings do you want to achieve?*
3. How much are your monthly savings?*
4. What is your current bank account interest rate per year? << Enter your savings account an
5. Please enter your starting year* << Enter your starting year in full
6. Please enter your starting month* << Drop down

* required fields

You will achieve your target in… -

or by… -

1
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0
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Target Achieved
0

Savings Account Closing Balance Target Savings Target Achieved

Track your Monthly Savings
Enter your one-off additional savings in the white column below
(column G)

Month Opening Balance Monthly Savings Additional Savings Interest Earned

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your savings target
much is your savings target? How much can you save every month?)
ws 17 and 19)
column G from row 49 down

Enter your starting year in full, e.g. 2012
Drop down

Please complete the required fields above

> 20 years

Target Achieved

column below

Closing Balance

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Monthly Savings Tool
See how much you need to save per month to reach
1. Enter the initial information required below (e.g. How much is your savings targ
2. See how much you need to save every month to achieve your savings target (r

Initial Information
1. How much money do you want to save?*
2. When do you need the money?* In… << Drop down
4. What is your current bank account interest rate per year? << Enter your savings account ann

* required fields

Please complete the required fields above

Month Opening Balance Savings Required Interest Earned Closing Balance

Month 1 - - - -
Month 2 - - - -
Month 3 - - - -
Month 4 - - - -
Month 5 - - - -
Month 6 - - - -
Month 7 - - - -
Month 8 - - - -
Month 9 - - - -
Month 10 - - - -
Month 11 - - - -
Month 12 - - - -
Month 13 - - - -
Month 14 - - - -
Month 15 - - - -

Month 16 - - - -
Month 17 - - - -
Month 18 - - - -
Month 19 - - - -
Month 20 - - - -
Month 21 - - - -
Month 22 - - - -
Month 23 - - - -
Month 24 - - - -
Month 25 - - - -
Month 26 - - - -
Month 27 - - - -
Month 28 - - - -
Month 29 - - - -
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Month 45 - - - -
Month 46 - - - -
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Month 55 - - - -
Month 56 - - - -
Month 57 - - - -
Month 58 - - - -
Month 59 - - - -
Month 60 - - - -

er month to reach your savings target
w much is your savings target? When do you need to have saved this amount by?)
chieve your savings target (row 15)

Drop down


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Cash Doctors Budget Planner

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