![]() Unlike typical budgeting that allocates future personal income towards expenses, savings and debt repayment, this type of software utilizes a known amount of money, the cash on hand, to give the user information regarding what is left to spend in the current month. Spending-management software is a variation of money-management software. Some may have a privacy policy governing the use and sharing of supplied financial information. Several websites have been introduced to help manage personal finances. These programs can categorize past expenses and display monthly reports that are useful for budgeting future months. Products are designed to keep track of individual account information, such as checking, savings or money-market accounts. Some software is written specifically for money management. Pencil and Paper Spreadsheet software Money-management software ![]() Percentages below are for percent of Net SpendableĪverage annual expenses (2017) per household in the United States are: Sample budget across three years ![]() The following sample illustrates how income might be allocated. ![]() 4.1 Spreadsheet budgeting with date-shiftingĪ budget allocates or distributes expected income to expected expenses and intended savings. ![]()
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