Monthly Budget Template

This budget template is meant to help you create a budget that works for you. Whether you’re saving for your wedding or expecting a new baby, making a
budget can help you feel financially prepared. Try building your budget for one month on the Monthly Budget tab, then when you get the hang of it, create
a budget for the whole year on the Yearly Budget. Need a hand? Click on the Help tab below.

Starting Balance
$45,684.00
Total Income $31,978.80
Total Expenses $58,249.45
NET (Income - Expenses) -$26,270.65
Projected End Balance $19,413.35

THIS MONTH

INCOME
Net Income (Mansi) $12,800.00
Net Income (Madi $20,260.00
Net Income (Bohmee) $12,624.00

Total INCOME $45,684.00

HOME EXPENSES
Mortgage/Rent $2,100.00
Homel Insurance covered
Electricity covered
Gas/Oil covered
Water/Sewer/Trash covered
Phone $125.00
Cable/Satellite no cable
Internet $95.00
Furnishings/Appliances covered
Lawn/Garden covered
Maintenance/Supplies covered
Improvements covered
Property Taxes covered
Other
 THIS MONTH
Total HOME EXPENSES $2,320.00

TRANSPORTATION
Car Payments $0.00
Car Insurance $0.00
Fuel/Gas $0.00
Bus/Taxi/Train Fare $285.00
Repairs/Maintenance $0.00
Registration/License $0.00
Parking $0.00
Other $0.00
Total TRANSPORTATION $285.00

HEALTH
Health Insurance $1,320.00
Doctor/Dentist covered by insurance
Medicine/Drugs $60.00
Health Club Dues $0.00
Life Insurance $174.00
Veterinarian/Pet Care none
Other $300.00
Total HEALTH $1,854.00

CHARITY/GIFTS
Gifts $100.00
Donations $1,262.40
Other none
Total CHARITY/GIFTS $1,362.40

DAILY LIVING
Groceries $350.00
Personal Supplies $175.00
Clothing $200.00
Cleaning $33.06
Education/Lessons $3,300.00
Dining/Eating Out/Coffee $100.00
Salon/Barber $90.00
Pet Food no pets
Miscallaneous $25.00
Total DAILY LIVING $4,273.06
 THIS MONTH

ENTERTAINMENT
Videos/DVDs $0.00
Music/Games $30.00
Movies/Theater $0.00
Concerts/Plays $100.00
Books $50.00
Hobbies $70.00
Film/Photos $0.00
Sports $100.00
Outdoor Recreation $0.00
Toys/Gadgets $0.00
Vacation/Travel $0.00
Other $50.00
Total ENTERTAINMENT $400.00

SAVING & INVESTING

Emergency Fund $300.00
Savings Account/Other Non-Registered Savings $34,263.00
Retirement (RRSPs, GIC) $0.00
Investments $0.00
Education (RESP) $300.00
Other $0.00
Total SAVING & INVESTING $34,863.00

LOANS & OTHER DEBTS

Loan/Line of Credit none
Credit Card $366.00
Student Loan $12,500.00
Alimony/Child Support none
Other
Total LOANS & OTHER DEBTS $12,866.00

SUBSCRIPTIONS
Newspaper none
Magazines $12.00
Dues/Memberships none
Subscriptions $13.99
 THIS MONTH
Total SUBSCRIPTIONS $25.99

MISCELLANEOUS
Postage $0.00
Other $0.00
Other $0.00
Total MISCELLANEOUS $0.00

Come in and talk to us about how we can help you build a budget that fits your life.
Visit your local TD Canada Trust branch or call 1-866-222-3456 to book an appointment.
 Yearly Budget Template
This budget template is meant to help you create a budget that works for you. Whether you’re saving for your wedding or expecting a new baby, making a
budget can help you feel financially prepared. Try building your budget for one month on the Monthly Budget tab, then when you get the hang of it, create
a budget for the whole year on the Yearly Budget. Need a hand? Click on the Help tab below.

Starting Balance
### Total Average
Total Income $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Total Expenses $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
NET (Income - Expenses) $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Projected End Balance ### ### ### ### ### ### ### ### ### ### ### ###
Monthly
JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Average

INCOME
Net Income (Partner 1) $0.00 $0.00
Net Income (Partner 2) $0.00 $0.00
Other $0.00 $0.00
Other $0.00 $0.00
Total INCOME $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

HOME EXPENSES
Mortgage/Rent $0.00 $0.00
Homel Insurance $0.00 $0.00
Electricity $0.00 $0.00
Gas/Oil $0.00 $0.00
Water/Sewer/Trash $0.00 $0.00
Phone $0.00 $0.00
Cable/Satellite $0.00 $0.00
Internet $0.00 $0.00
Furnishings/Appliances $0.00 $0.00
Lawn/Garden $0.00 $0.00
Maintenance/Supplies $0.00 $0.00
Improvements $0.00 $0.00
Property Taxes $0.00 $0.00
Other $0.00 $0.00
 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Average
Total HOME EXPENSES $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

TRANSPORTATION
Car Payments $0.00 $0.00
Car Insurance $0.00 $0.00
Fuel/Gas $0.00 $0.00
Bus/Taxi/Train Fare $0.00 $0.00
Repairs/Maintenance $0.00 $0.00
Registration/License $0.00 $0.00
Parking $0.00 $0.00
Other $0.00 $0.00
Total TRANSPORTATION $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

HEALTH
Health Insurance $0.00 $0.00
Doctor/Dentist $0.00 $0.00
Medicine/Drugs $0.00 $0.00
Health Club Dues $0.00 $0.00
Life Insurance $0.00 $0.00
Veterinarian/Pet Care $0.00 $0.00
Other $0.00 $0.00
Total HEALTH $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

CHARITY/GIFTS
Gifts $0.00 $0.00
Donations $0.00 $0.00
Other $0.00 $0.00
Total CHARITY/GIFTS $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

DAILY LIVING
Groceries $0.00 $0.00
Personal Supplies $0.00 $0.00
Clothing $0.00 $0.00
Cleaning $0.00 $0.00
Education/Lessons $0.00 $0.00
Dining/Eating Out/Coffee $0.00 $0.00
Salon/Barber $0.00 $0.00
Pet Food $0.00 $0.00
Other $0.00 $0.00
Total DAILY LIVING $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Average

ENTERTAINMENT
Videos/DVDs $0.00 $0.00
Music/Games $0.00 $0.00
Movies/Theater $0.00 $0.00
Concerts/Plays $0.00 $0.00
Books $0.00 $0.00
Hobbies $0.00 $0.00
Film/Photos $0.00 $0.00
Sports $0.00 $0.00
Outdoor Recreation $0.00 $0.00
Toys/Gadgets $0.00 $0.00
Vacation/Travel $0.00 $0.00
Other $0.00 $0.00
Total ENTERTAINMENT $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

SAVING & INVESTING

Emergency Fund $0.00 $0.00
Savings Account/Other Non-Registered Savings $0.00 $0.00
Retirement (RRSPs, GIC) $0.00 $0.00
Investments $0.00 $0.00
Education (RESP) $0.00 $0.00
Other $0.00 $0.00
Total SAVING & INVESTING $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

LOANS & OTHER DEBTS

Loan/Line of Credit $0.00 $0.00
Credit Card $0.00 $0.00
Student Loan $0.00 $0.00
Alimony/Child Support $0.00 $0.00
Other $0.00 $0.00
Total LOANS & OTHER DEBTS $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

SUBSCRIPTIONS
Newspaper $0.00 $0.00
Magazines $0.00 $0.00
Dues/Memberships $0.00 $0.00
Other $0.00 $0.00
 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Average
Total SUBSCRIPTIONS $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

MISCELLANEOUS
Postage $0.00 $0.00
Other $0.00 $0.00
Other $0.00 $0.00
Total MISCELLANEOUS $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Come in and talk to us about how we can help you build a budget that fits your life.
Visit your local TD Canada Trust branch or call 1-866-222-3456 to book an appointment.
Budget Categories
You have the ability to delete or insert entire rows when adding or removing categories that fit yo

Your Starting Balance

You will need to fill in your Starting Balance at the top left of your budget. To come up with
your Starting Balance, add the balances in your spending accounts (cash, chequing).
If you want to start your Yearly Budget with a month other than January, just edit the label as
needed.
Define Your Budget
Using knowledge of your income and expenses, fill in the budget amounts for each of the
categories. Past receipts, balance statements, bills, pay stubs, and other information can give
you a better idea of how much you should be spending towards certain categories. Don’t worry if
you don’t know the exact amount. This budget template allows you to change the amounts as
you figure out what works best for you.
Fixed Expenses
Fixed expenses, like mortgage or car payments, can be entered as the same amount each month

Variable Expenses
Expenses that vary, like utility bills, groceries, and birthday gifts, can be entered as estimated
amounts in the months that they happen. Or, you can enter an average of how much you think
you’ll spend every month. Or simply consider how much you might spend annually and divide by
12 to get the monthly average amount.

Examine Your End Balance

If you have money left over after paying your bills, consider contributing more towards your
savings. Visit your nearest TD Canada Trust branch to find out how you can use that money
towards your future financial goals.

If your end balance is less than what you feel is comfortable, for example, you’re spending more
than you take in each month, then look for opportunities to cut back on some of your non-
essential expenses, like gifts or entertainment.

Talk to us about how we can help you build a budget that fits your life.
Visit your local TD Canada Trust branch or call 1-866-222-3456 to discuss your options.

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