What is left?
The Excel template with every item of a Swiss household. You type in the monthly amounts, the rest calculates itself.
No registration, no email address.
Prefer to do without Excel? The fixed costs calculator runs in your browser and also shows you in which month money will get tight.
What is included
fidevo-budgetplan.xlsx
ExampleBudget plan
Enter what you actually spend in the “per month” column. The annual figure calculates itself.
Plus 24 more rows and the result, per month and per year.
Income
Salary, allowances, pensions, side income. With a note on how to include the 13th-month salary correctly.
Fixed expenses
Rent, health insurance, other insurance, taxes, subscriptions, ongoing instalments, fourteen lines so that nothing gets overlooked.
Variable expenses
Groceries, clothes, health, leisure, holidays, purchases. The items where people like to fool themselves.
The result
What is left at the end of the month, per month and over the year. The formulas are built in.
The three blind spots
Almost every budget is missing the same three things. That is why they are in the template.
The next 12 months
ExampleNovember: taxes and insurance together, CHF 3’150 more than usual. Set aside CHF 1’575 in October and again in November.
The tax bill
It comes once a year and hits hard. If you do not set aside a twelfth each month, you end up paying your taxes in spring with your credit card.
The irregular items
The dentist, holidays, the broken washing machine. None of these is a surprise, only the timing is. So they belong in the budget, divided by twelve.
The 13th-month salary
It feels like a bonus, but it is part of your annual salary. If you count it on top, you are planning with money that is already allocated.
And what if there is a negative number at the bottom?
Then, first of all, that is useful information and no reason to panic. The fixed costs calculator shows which items can be reduced and which debt should go first.
Open calculatorOne month, broken down
- Fixed expenses
- 52 %
- Variable expenses
- 31 %
- Left over
- 17 %
Sample breakdown. In the template, the shares are calculated from your own figures.
- File name
- fidevo-budgetplan.xlsx
- Size
- about 8 KB
- Input lines
- 29 in three sections
- Calculated
- Monthly and annual values, totals, result
- Language
- German
- Runs in
- Excel, Numbers, LibreOffice
The template is a planning aid and not financial advice.