Monthly budget template (Philippines)

MONTHLY BUDGET 2026 — in pesos (₱)
Yellow cells = you type · blue cells = calculated (do not overwrite) · example rows are fictional — replace them.

Item	Type	Monthly plan	Jan actual	Feb actual	Mar actual	Apr actual	May actual	Jun actual	Jul actual	Aug actual	Sep actual	Oct actual	Nov actual	Dec actual	Year actual	Avg / month
INCOME
Salary (net, after SSS / PhilHealth / Pag-IBIG / tax)	Income	28,000	28,000	28,000	28,000	28,000	28,000	28,000	28,000	28,000	28,000				252,000	28,000
13th month pay (December)	Income	0													0	0
Side income / online selling	Income	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000				36,000	4,000
Padala received	Income	0													0	0
															0	0
															0	0
NEEDS
Rent or housing amortization	Need	8,000	7,370	8,110	7,690	8,250	8,300	6,960	6,830	8,810	7,420				69,740	7,749
Electricity (Meralco / coop)	Need	2,200	2,020	2,530	2,180	2,420	2,180	2,290	1,970	2,290	2,440				20,320	2,258
Water	Need	450	450	480	470	390	480	460	420	390	500				4,040	449
Internet and load	Need	1,500	1,490	1,600	1,670	1,600	1,690	1,450	1,640	1,480	1,700				14,320	1,591
Groceries and palengke	Need	6,000	6,680	5,280	5,340	5,490	6,840	5,890	6,230	5,640	6,010				53,400	5,933
Transport (jeep, bus, Grab, gas)	Need	2,500	2,410	2,390	2,560	2,560	2,800	2,640	2,820	2,770	2,870				23,820	2,647
Health, medicine	Need	800	840	720	890	910	900	820	850	730	880				7,540	838
School fees, baon	Need	1,500	1,530	1,400	1,300	1,660	1,720	1,310	1,640	1,460	1,340				13,360	1,484
Loan / credit card minimum	Need	1,500	1,410	1,620	1,670	1,290	1,550	1,300	1,600	1,420	1,670				13,530	1,503
															0	0
															0	0
WANTS
Eating out, milk tea, delivery	Want	1,500	1,720	1,500	1,720	1,410	1,310	1,540	1,290	1,360	1,460				13,310	1,479
Shopping	Want	800	830	720	690	890	760	910	900	770	790				7,260	807
Subscriptions (streaming, apps)	Want	400	400	420	410	410	410	450	400	390	430				3,720	413
Gimik, travel, hobbies	Want	700	640	660	800	700	710	600	680	720	600				6,110	679
															0	0
															0	0
SAVINGS AND GIVING
Emergency fund	Save	2,500	2,590	2,600	2,170	2,600	2,470	2,630	2,390	2,660	2,680				22,790	2,532
Pag-IBIG MP2 / investments	Save	1,000	860	870	1,050	1,140	930	990	1,030	950	960				8,780	976
Padala sent to family	Give	3,000	2,830	2,880	3,090	2,820	2,890	3,250	2,570	3,060	3,210				26,600	2,956
Voluntary SSS / PhilHealth (if self-employed)	Save	0													0	0
															0	0
															0	0

SUMMARY
Income		32,000	32,000	32,000	32,000	32,000	32,000	32,000	32,000	32,000	32,000	0	0	0	288,000
Needs		24,450	24,200	24,130	23,770	24,570	26,460	23,120	24,000	24,990	24,830	0	0	0	220,070
Wants		3,400	3,590	3,300	3,620	3,410	3,190	3,500	3,270	3,240	3,280	0	0	0	30,400
Savings		3,500	3,450	3,470	3,220	3,740	3,400	3,620	3,420	3,610	3,640	0	0	0	31,570
Giving (padala)		3,000	2,830	2,880	3,090	2,820	2,890	3,250	2,570	3,060	3,210	0	0	0	26,600
LEFT OVER (income − everything)		-2,350	-2,070	-1,780	-1,700	-2,540	-3,940	-1,490	-1,260	-2,900	-2,960	-	-	-	-20,640

50/30/20 check (on the monthly plan)
Needs — target 50% of income		76%	Look again
Wants — target 30% of income		11%	OK
Savings + giving — target 20% of income		20%	OK

Emergency fund target (6 × monthly needs)		146,700
Saved so far for emergencies (type)		18,000
Months to reach the target at the planned rate		IF(N(C32)=0,"",MAX(0,ROUNDUP((C52-C53)/C32,0)))

Type: Income · Need · Want · Save · Give — the summary adds by type, so you can add your own lines. Sample numbers are illustrative.
Yellow cells = you type · blue cells = calculated (do not overwrite) · example rows are fictional — replace them.
© Layers (layers.md) · CC BY 4.0 · Free template. Check figures against your own rules and advisers.