Budget Planner – 10 Useful Digital Budgeting Tools Get back in control of your debts

budget planner

The Importance of Using a Budget Planner

A budget planner can prove to be an important part of your personal finance. After all, you need to have a way to plan how you intend to spend your money, which is in line with your expected inflows and outflows of cash. If you have a good plan and you stick to it, you can work your way to a better financial position. However, if you do not have a plan, it will be very difficult to change bad financial habits. Thankfully, there are quite a number of budgeting tools that are made available by reputable national and international agencies and offices. We investigate 10 useful budget planner tools available on the web.

Budget Planner Tool 1 – “Budget Planner” from ASIC

This tool is brought to you by the Australian Securities and Investments Commission. It is a free tool that can help you with a number of things. It can help you determine what you are spending money on and also check if you are living beyond your means. Best of all, it can present this information in an easy to understand and easy to download format. https://www.moneysmart.gov.au/tools-and-resources/calculators-and-tools/budget-planner

Budget Planner Tool 2 – “Budget Calculator” from the U.S. ED.gov

This tool is made available by the United States Department of Education. It compares a person’s expenses and income in order to determine how much income is left over and available for other things. http://www.direct.ed.gov/BudgetCalc/budget.html

Budget Planner Tool 3 – “Income and Expense Worksheet” from the FLEC

This tool is from the United States Federal Financial Literacy and Education Commission. It provides sample financial form as well as instructions for how to fill in a monthly income and expenses worksheet.

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Budget Planner Tool 4 – “Budget Calculator” from MoneySense

This tool was created as part of the National Financial Education Programme of the Monetary Authority of Singapore. It provides budgeting tools that can help you break down how you are spending your money. http://www.moneysense.gov.sg/financial-planning/financial-calculators/budget-calculator.aspx

Budget Planner Tool 5 – “Budget Planner” from MoneyHelp

This is a tool from the State Government of Victoria. It comes in two forms; one is an online version and the other is an Excel document. The tool can be used as a checklist to ensure you are spending your finances wisely. http://www.moneyhelp.org.au/tools-tips/budget-planner/

Budget Planner Tool 6 – “Online Budget Planner” from ADF

This tool is made available by the Australian Defence Force Financial Services Consumer Council. It works in three steps: “your income and expenses”, “your personal balance sheet” and “your financial independence estimator”. http://budgetplanner.adfconsumer.gov.au/

Budget Planner Tool 7 – “Budget Planner” from DCC

This online tool is from the Derby City Council. It can work to help you find out how much money you will have left after your major bills and help you create a detailed summary of you monthly spending. http://www.derby.gov.uk/advice-and-benefits/welfare-rights-and-financial-advice/budgeting-tools/budget-planner/

Budget Planner Tool 8 – “Healthy Eating on a Budget Tool” from USDA

This site from the United States Department of Agriculture offers a number of tools for people who would like to eat healthy while still remaining within their budget. It is a bit different compared to the previous tools, but if you are looking to make your money go further, then this could be rather useful and also beneficial to your health. http://www.choosemyplate.gov/healthy-eating-on-budget.html

Budget Planner Tool 9 – “Savings Goals Calculator” from ASIC

This is another useful tool from the Australian Securities and Investment Commission. It allows you to make set, plan and document your financial goals. Once you have put in the information, it will help compute how much time will be needed for you to reach your goal, taking into consideration available interest rates. https://www.moneysmart.gov.au/tools-and-resources/calculators-and-tools/savings-goals-calculator

Budget Planner Tool 10 – “Daily Spending Diary Worksheet” from MyMoney.gov

This is another helpful tool from the United States government. It allows you to better keep track of your cash spending on a daily basis. From there, you will be in a better position to prepare a realistic budget.


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