Budget — Personal Hub

Left over each month

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Monthly income $

Monthly cost

Monthly bills—

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Annual fundingAnnual total ÷ 12 → Annual Exp Vault

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True monthly cost

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Income − cost

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Bills only — 6 months

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Bills only — year

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True cost — year

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This month—

Paid so far

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Still owed this month

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Next bill due

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Balances owedSeparate from monthly cost

Total owed

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What you still owe in total on a bill, separate from the monthly payment. Leave blank for anything with no payoff balance.

Paid tracking

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Monthly bills—

Total month

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Annual fundingAuto-fund into Annual Exp Vault

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True monthly cost

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6 months (bills)

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Year (bills)

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Amount fields do math — type 9.99*12 or 110+52.65 and it calculates, just like the spreadsheet. The formula stays saved so you can edit it later.

Yearly spending—

Total year

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Per month to fund itWhat the monthly “Annual funding” line uses

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Items

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Notes

Personal Budget