BUDGET MANAGER

I am
Updated: 2026-08-13 18:49:30
Reallocation Pool (Over-Budgeted) 525.59/mo
Deficit Pressure (Under-Budgeted) -3,775.92/mo
Net Monthly Impact (All Adjusted) -3,250.33/mo
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Category Current Budget 24-Mo Avg Spend 24-Mo Median 10% Winsorized 20% Winsorized Discrepancy (Budget - Avg) Overage Freq Actions
0.5 SURPLUS
Tax Refund
0.00 20.83 0.00 0.00 0.00 -20.83
4%
1/24 mos
01.0 TITHE
Tithe
550.00 634.90 565.80 589.78 574.96 -84.90
54%
13/24 mos
Mission trips
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
03.0 HOME
Mortgage
1,016.45 1,016.45 1,016.45 1,016.45 1,016.45 0.00
0%
0/24 mos
Property Taxes
185.00 188.57 0.00 0.00 0.00 -3.57
8%
2/24 mos
Home Repair & Maintenance
200.00 230.55 35.89 185.26 133.00 -30.55
67%
16/24 mos
Lawn & Garden
75.00 109.37 19.20 87.71 65.70 -34.37
46%
11/24 mos
Household - Cleaning products
35.00 38.05 32.80 36.95 37.61 -3.05
50%
12/24 mos
Household - Office supplies
20.00 27.33 15.70 23.83 22.08 -7.33
46%
11/24 mos
Household - Supplies
80.00 141.11 104.06 132.35 125.24 -61.11
71%
17/24 mos
Toiletries
65.00 77.42 58.28 76.56 69.83 -12.42
46%
11/24 mos
Terminix
31.17 30.00 0.00 0.00 0.00 +1.17
8%
2/24 mos
Mosquito spray service
46.50 41.01 0.00 0.00 0.00 +5.49
8%
2/24 mos
Appliances
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
Household setup/replacement
20.00 143.13 0.00 0.00 0.00 -123.13
8%
2/24 mos
Rental property expenses
50.00 443.41 0.00 217.49 0.00 -393.41
17%
4/24 mos
04.0 BILLS & UTILLITES
Electricity
150.00 156.02 157.28 153.94 152.71 -6.02
54%
13/24 mos
Internet
90.00 88.58 83.00 84.96 84.96 +1.42
75%
18/24 mos
Internet Other
5.00 5.36 0.00 1.12 0.00 -0.36
12%
3/24 mos
Mobile Phone
105.00 107.28 105.05 104.96 104.96 -2.28
58%
14/24 mos
Propane
10.00 4.89 0.00 3.91 0.00 +5.11
17%
4/24 mos
Trash Collection
22.62 20.78 0.00 20.78 19.67 +1.84
33%
8/24 mos
Fees
20.00 85.42 41.31 81.56 61.32 -65.42
54%
13/24 mos
05.0 FOOD & DINING
Groceries
500.00 562.75 568.00 559.18 575.02 -62.75
29%
7/24 mos
Restaurants and fast food
150.00 181.15 152.13 181.82 184.29 -31.15
71%
17/24 mos
06.0 CLOTHING
Clothing - Kids
40.00 57.77 39.91 54.48 45.50 -17.77
50%
12/24 mos
Clothing - Adults
30.00 46.89 23.77 44.42 39.96 -16.89
50%
12/24 mos
07.0 VEHICLE
Gas
200.00 264.35 239.88 247.77 236.76 -64.35
71%
17/24 mos
Car wash
8.00 10.90 5.00 9.92 7.46 -2.90
50%
12/24 mos
Car repair & maintenance
75.00 159.90 19.15 121.82 113.53 -84.90
42%
10/24 mos
State inspection
5.00 4.96 0.00 2.33 0.00 +0.04
17%
4/24 mos
Vehicle property tax & registration
12.00 71.29 0.00 38.47 12.28 -59.29
21%
5/24 mos
Tolls
5.00 0.42 0.00 0.00 0.00 +4.58
4%
1/24 mos
Vehicle purchase
0.00 134.32 0.00 0.00 0.00 -134.32
8%
2/24 mos
08.0 HEALTH CARE
Doctor
500.00 740.85 369.27 637.54 512.01 -240.85
62%
15/24 mos
Pharmacy
175.00 188.11 182.79 183.12 176.96 -13.11
54%
13/24 mos
OTC - Pharmcy
50.00 60.48 51.43 57.02 55.48 -10.48
50%
12/24 mos
Dentist
50.00 182.46 0.00 138.33 82.77 -132.46
42%
10/24 mos
Eyecare
20.00 20.17 0.00 7.38 0.00 -0.17
12%
3/24 mos
Orthodontist
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
Counselling
200.00 13.50 0.00 0.00 0.00 +186.50
4%
1/24 mos
Sexual health
20.00 0.22 0.00 0.00 0.00 +19.78
4%
1/24 mos
09.0 INSURANCE
Life insurance
118.34 118.34 118.34 118.34 118.34 0.00
0%
0/24 mos
Homeowners insurance
175.00 163.92 0.00 0.00 0.00 +11.08
8%
2/24 mos
Auto insurance
209.13 253.53 224.17 246.52 248.80 -44.40
92%
22/24 mos
Identity theft insurance
12.00 12.08 0.00 0.00 0.00 -0.08
8%
2/24 mos
Long-Term care
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
10.0 MINISTRY EXPENSES
PD - Food
20.00 4.27 0.00 0.00 0.00 +15.73
4%
1/24 mos
PD - Transportation
20.00 41.19 0.00 0.00 0.00 -21.19
8%
2/24 mos
PD - Lodging
30.00 8.74 0.00 0.00 0.00 +21.26
4%
1/24 mos
PD - Materials
5.00 14.05 0.00 0.00 0.00 -9.05
8%
2/24 mos
PD - Other
10.00 0.00 0.00 0.00 0.00 +10.00
0%
0/24 mos
Correspondence
30.00 14.02 0.00 10.05 7.26 +15.98
17%
4/24 mos
Gifts for supporters
5.00 4.80 0.00 2.41 0.00 +0.20
17%
4/24 mos
Equipment replacement
25.00 54.12 0.00 0.00 0.00 -29.12
4%
1/24 mos
Phone replacement
0.00 42.44 0.00 0.00 0.00 -42.44
8%
2/24 mos
Conferences
0.00 14.90 0.00 0.00 0.00 -14.90
8%
2/24 mos
Home office
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
WBT
0.00 935.04 69.71 631.56 496.75 -935.04
58%
14/24 mos
WBT (possible)
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
11.0 PERSONAL CARE
Pet food & supplies
15.00 3.61 1.09 3.44 2.99 +11.39
0%
0/24 mos
Hair
15.00 2.08 0.00 0.00 0.00 +12.92
4%
1/24 mos
Babysitting
25.00 0.00 0.00 0.00 0.00 +25.00
0%
0/24 mos
12.0 EDUCATION - KIDS
Education - Kids
275.00 328.25 93.78 272.08 152.77 -53.25
58%
14/24 mos
College expenses
0.00 363.04 0.00 223.75 184.57 -363.04
33%
8/24 mos
College visits
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
13.0 GIFTS FOR OTHERS
Gifts for others - BD and Christmas
80.00 71.09 14.38 56.99 53.02 +8.91
33%
8/24 mos
Gifts for others - Misc
80.00 75.67 54.87 71.52 65.93 +4.33
42%
10/24 mos
13.0 GIFTS IN OUR FAMILY
Gifts in our family
55.00 87.25 90.50 78.74 70.90 -32.25
54%
13/24 mos
14.0 RECREATION
Family entertainment (fm)
70.00 101.65 72.61 88.68 81.88 -31.65
54%
13/24 mos
Kids' extracurricular
20.00 12.66 0.00 0.00 0.00 +7.34
8%
2/24 mos
Dates
40.00 3.30 0.00 0.00 0.00 +36.70
0%
0/24 mos
Jaars pool pass
3.62 0.00 0.00 0.00 0.00 +3.62
0%
0/24 mos
Bike repair and replacment
20.00 0.00 0.00 0.00 0.00 +20.00
0%
0/24 mos
General travel (Not work related)
125.00 150.29 0.00 87.02 57.48 -25.29
33%
8/24 mos
Special event
20.00 35.21 0.00 23.82 7.82 -15.21
25%
6/24 mos
TEC
50.00 74.90 0.00 55.86 31.07 -24.90
29%
7/24 mos
Retreats
0.00 5.83 0.00 0.00 0.00 -5.83
4%
1/24 mos
Vacation
100.00 0.00 0.00 0.00 0.00 +100.00
0%
0/24 mos
20th anniversary
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
Getaways
0.00 17.25 0.00 0.00 0.00 -17.25
4%
1/24 mos
Boys' PNG trip
0.00 63.87 0.00 0.00 0.00 -63.87
4%
1/24 mos
15.0 BD AND PERSONAL FUNDS
Danny's BD and personal spending
0.00 121.30 60.28 96.83 79.10 -121.30
92%
22/24 mos
Becca's BD and gift money to spend
0.00 9.52 0.00 6.36 0.70 -9.52
21%
5/24 mos
Anna's BD and gift money to spend
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
Joshua's BD and gift money to spend
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
Wesley's BD and gift money to spend
0.00 2.82 0.00 0.00 0.00 -2.82
8%
2/24 mos
Gift money
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
16.0 MISCELLANEOUS
YNAB
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
Tiller Money
5.00 4.92 0.00 0.00 0.00 +0.08
8%
2/24 mos
Books
10.00 12.63 0.00 10.11 7.27 -2.63
33%
8/24 mos
Arbonne
0.00 64.60 0.00 64.45 63.31 -64.60
42%
10/24 mos
Federal taxes due
0.00 17.50 0.00 0.00 0.00 -17.50
4%
1/24 mos
Needs to be split
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
Miscellaneous
30.00 6.88 0.00 4.16 2.46 +23.12
4%
1/24 mos
16.5 MISCELLANEOUS - OTHER
Rug and gifts in Istanbul
0.00 50.86 0.00 0.00 0.00 -50.86
4%
1/24 mos
CPAP AirMini
0.00 40.00 0.00 0.00 0.00 -40.00
4%
1/24 mos
17.0 UNSURE OR UNKNOWN
Unsure how to categorize
0.00 3.10 0.00 1.75 0.00 -3.10
12%
3/24 mos
Not able to verify or remember category
0.00 20.61 0.00 17.44 11.45 -20.61
33%
8/24 mos
Intentionally left uncategorized
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
One-time unusual expense
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
18.0 REIMBURSABLE EXPENSE
Reimbursable expense
0.00 26.48 0.00 16.04 2.23 -26.48
25%
6/24 mos
Purchased and returned
0.00 26.31 0.00 23.36 20.63 -26.31
46%
11/24 mos
19.0 CASH & ATM
Cash & ATM
40.00 13.88 0.00 7.50 3.33 +26.12
8%
2/24 mos
20.0 FEES & CHARGES
Foreign transaction fee
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
Tax preparation fee
16.50 16.33 0.00 0.00 0.00 +0.17
8%
2/24 mos