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Buy the Personal Budget Software Now

This comprehensive personal budget tool is for tracking, evaluating, and projecting family incomes and expenses.

It's important to know what your monthly "nut" would be if you were to become disabled. So everything is duplicated so you can tweak your estimated expenses while disabled, and then it calculates how much disability insurance you need.

This is the best Real World way to get as accurate of a picture of spending vs. income as you want. The accuracy depends only on how much time you spend on inputting details.

Features:

º It has three main expense sections just like the Real World: Fixed expenses, variable expenses, and debt payments.

º It displays results in normal times, when retired, and when disabled. All gross and net of taxes, and with and without debt.

º It categorizes everything logically by type of expense, so you can easily see where the money is going, by category, and who is spending it.

º It determines how much you're really spending hourly, daily, weekly, monthly, and annually.

º You can track and account for every dollar spent if you want to.

º It allows you to compare what you actually spent to pre-budgeted amounts. It then shows you how much you were off by, by comparing actual expenses with what you forecasted/estimated/budgeted for/set spending limits on/or have spent in the past.

This helps identify items where you're spending more than you budgeted for. It shows these differences both for each variable expense, and for all of the combined variable expenses. This tells you which expenses, and how much, you need to cut back on to stay within your family budget.

º It compares expenses to incomes (annually/monthly/weekly/daily/and hourly) both gross (before taxes) and net (after taxes). It also shows everything as if you were debt-free.

º It tells if you're running a surplus or deficit given various input (and how much it is annually/monthly/weekly/daily/and hourly based on a 40-hour work week).

º It tells you how much net and gross income you need on an annual/monthly/weekly/daily/and hourly basis to meet the budget. It tells you what everything would be if you were debt-free, disabled, gross of taxes and net of taxes (a total of eight scenarios at once).

º It shows a snapshot of your current major expense and debt categories, and three detailed bar charts to put expenses into perspective.

º It has separate duplicated sheets so you can adjust your normal times expenses to account for disability of one, or both, breadwinners. Then the annual deficit numbers are the exact amounts of disability insurance you would need to buy to protect your standard of living (for four scenarios at once - normal with debt, normal without debt, disabled with debt, and disabled without debt).

º It shows you how much monthly disability benefit you need to purchase to meet both your current budget, and your budget if disabled (where you tweak your incomes and expenses as if you were currently disabled).

º It determines your average/effective tax bracket, and how taxes are allocated.

º It tells you what percent of your gross income is going to fixed expenses, variable expenses, taxes, debt repayments, and surplus/deficit. It then gives the same numbers in a net (after-tax) basis. It then does it all again as if disabled.

º It makes lots of nice color charts for most everything you can think of, and everything everyone else's budget software has.

º It figures your gas mileage both on each fill-up basis, and on average. A great way to tell if you need a tune-up (your gas mileage will go down relative to the average).

º It's just an Excel spreadsheet, so there's no installation procedure. It's simple and not overwhelming to use. It's much cheaper and easier to use than programs like Quicken, and lets you make any changes you want to fit your needs.

º Do any "What-If scenario" you can think of quicker and easier than most programs by using Excel's Goal Seek function. This makes both the Budgeting Tool and the Cash Flow Projector by far the most flexible, powerful, and functional family budgeting tool ever created. You can easily do any "What If" you want with just six mouse clicks. You can do any goal-seeking scenario that any other budgeting software can do, plus dozens more they can't do.

º You can calculate/budget/plan/save for future expenditures/goals by using the replacement calculator. There is one for normal times and one for disabled times. This will compute the amounts you'll need to save to have the money needed to replace expensive things that wear out - like painting, roofing, vehicles, etc. It's by far the most comprehensive replacement calculator ever created.

º There are more income and expense categories than any other budgeting tool, and if you want more, there are plenty of miscellaneous categories.

The family budgeting part of the Cash Flow Projector is the same as the Family Budget Tool discussed above. In other words, the personal budget software is the Cash Flow Projector with all of the projections sheets deleted. So when you order the Cash Flow Projector, it comes with the Budget Tool.

It also gives you total control over forecasting incomes and expenses into the future, so you can get an idea of how much you'll be spending during retirement.

Use these bottom lines to input your future estimated budgets into the income goal manual override columns of both Real World Retirement, the most powerful retirement planner software program ever created, or RP, the scaled down retirement planning calculator. Integrating with RWR is by far the most accurate way to project your financial future than any program ever created (because you have total control over every number 75 years into the future).

º It takes each expense in three categories - fixed, variable, and debt service; and then adds the inflation rate you input to each individual expense, and then determines the next years' numbers. It projects all incomes using the same "being able to control every number in every year" scheme.

To keep it simple, you can also just use a global inflation rate to make everything inflate at the same rate with just one input.

º It gives you the choice of figuring taxes automatically or manually. Either way, you have total control over how much is spent on taxes.

º You can change each expense's inflation rate, and you can manually override each expense amount in every year. This gives you total control over every number in every year.

If on the last year an expense is active, you only want to have it go for one month, one week, or even one day, you can do that (and anything else you can think of).

You can also stop any income or expense in one year, and then bring it back in a future year. You can also start a new income or expense in any future year, even if it doesn't currently exist.

º It then adds everything up to get the overall picture in each year. This includes gross vs. net incomes and just about everything else you can think of - both in normal times and if disabled.

º It also compares the percentage change for each expense, each expense category, overall numbers, and incomes for each year. At the bottom row of every subheading section (where subtotals are tallied) there is a row that shows the percentage difference increase/decrease from the previous year.

º It calculates the standard deviation, average, median, minimum, and maximum for all incomes, expenses, and subtotals, and totals.

º It also has many charts and graphs to show the overall results. There's too many to list here, please see the demos. Just about every way presenting information is there.

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