How to prepare a budget when your income changes every month
Practical guide to structuring your personal budget with variable income, based on expense classification and the periodic review recommended by the Bank of Spain.
Put your income and expenses on the same page. One month at a time.
Calculate a scenario, use it as a reference, and change your data to see the difference.
First calculate your scenario using the form below.
The reference stays available while this page remains open. The CSV and printable summary include the comparison. Save and the JSON copy keep only the current form.
You can add income or expenses. Annual amounts will be divided across twelve months.
Add any items here that don’t fit into the categories above.
Monthly amounts in euros. If your income varies, use a prudent scenario. It does not include taxes or costs that you do not record.
Download blank template · CSVPractical guide to structuring your personal budget with variable income, based on expense classification and the periodic review recommended by the Bank of Spain.