This includes household expenses that may fluctuate (think: groceries and utilities) as well as fixed costs, like insurance premiums or car payments, and other non-negotiables.

Then, it gives a different percentage of your income to each of these expense categories. This is a widely used strategy that’s easy to apply and remember.īasically, it helps you set priorities in your budget and categorize expenses by breaking your spending into three types: needs, wants, and savings. This spreadsheet follows the 50/30/20 budgeting method. Loan Payoff Calculator: How Quickly Can You Repay Your Loan?.Auto Loan Interest Calculator: Monthly Payment & Total Cost.

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Best personal budget template for mac