Monthly Income Salary (take home)? $ Other income? $ Monthly Expenses Housing? $ Loan payments? $ Insurance? $ Utilities? $ Food & groceries? $ Phone, internet, & cable? $ Entertainment? $ Other? $ Printer-friendly version Monthly Cash Flow Summary Monthly Income Monthly Expenses Net Cash Flow Chart Table Monthly Cash Flow Summary Monthly Income Monthly Expenses Salary Other Income Housing Loan Payments Insurance Utility Food & Grocery Phone, Internet, & Cable Entertaiment Other Expenses Total Itemized Monthly Housing Expenses Housing Expense Amount Mortgage or Rent Payment Property Taxes Maintenance and Upkeep HOA Fees Total Housing Expenses Itemized Monthly Loan Payments Loan Expense Amount Auto Loans Credit Cards Home Equity Student Loans Total Loan Payments Itemized Monthly Insurance Expenses Insurance Expense Amount Auto Life Home Health Total Insurance Expenses Itemized Monthly Utility Expenses Utility Expense Amount Electric Gas Sewer & Water Trash & Waste Total Utility Expenses Itemized Monthly Food Expenses Food Expense Amount Groceries Dine-In Take-Out Total Food Expenses Itemized Monthly Phone, Internet & Cable Expenses Phone, Internet, & Cable Expense Amount Phone Internet Cable Streaming Services Total Phone, Internet & Cable Expenses Itemized Monthly Entertainment Expenses Entertainment Expense Amount Movies Concerts Events Gambling Vacation Total Entertainment Expenses Itemized Other Monthly Expenses Other Expense Amount Clothing Auto Fuel & Maintenance General Merchandise Travel Donations & Charity Gifts Medical Other Total Other Expenses Submit How many times have you asked yourself "where does our money go?" The first step is to categorize your spending into each particular category. If you have got multiple monthly bills under a category, you can use the worksheets linked to the right of the input field to enter each separately. Once you see where you are spending your money, it becomes easier to look at reducing spending in particular categories.