HOUSEHOLD FINANCE // REAL WORKBOOK DATA // 2024–2026
TREASURY // PLANNED
Current month's planned leftover. Payroll-paid expenses are not deducted from the cash budget again.
CURRENT PERIOD
Total usable income
Budget expenses + personals
Cyps tax reserve
Shared income
Checks entered
INCOME SHARE
share of total income
EXPENSES
Edit names or amounts. Add rows when needed.
PAYROLL expenses are already paid before the check reaches Treasury. They do not reduce the cash budget again, but they are included in the payer's income contribution so the household split stays fair.
PERSONAL EXPENSES
CYPS
BEAR
WORKBOOK NOTES
Historical months are preserved as they appeared in the workbook. Some early tabs use the older layout and do not have the later personal-expense system. The app keeps those historical values rather than inventing missing records.
RECONCILE // CLOSE THE MONTH
ACTUAL LEFT
Enter the factual amount remaining in the main bucket after the month's envelopes have been funded.
Cyps tax reserve to move
Bear contribution
Cyps contribution
Actual Left replaces the planned leftover only for the final split. Personal expenses are balanced according to the income shares.
FINAL TRANSFERS
BEAR
income share + shared half − Bear personal paid by Cyps + Cyps personal paid by Bear
CYPS
income share + shared half − Cyps personal paid by Bear + Bear personal paid by Cyps
Final total
VAULT // PROTECTED SAVINGS
Protected Savings
TOTAL PROTECTED SAVINGS
BEAR
Base protected savings
Total Bear protected funds, including temporary holdings
Ownership
Interest share
CYPS
Base protected savings
Total Cyps protected funds, including temporary holdings
Ownership
Interest share
SHARED
Base protected savings
Total shared protected funds, including temporary holdings
Ownership
Interest share
TEMPORARY HOLDINGS
Track money moved into the Vault for a specific purpose.
BEAR
CYPS
SHARED
INTEREST
Enter the month's interest earned. Treasury allocates it according to the ownership percentages above.