FIN-001

Household monthly budget

R 249,00

Also $19.00 · £15.00 · €17.00

A rand budget that separates take-home pay, committed costs, and what is left to save.

Type: Excel workbook with PDF guide
Licence: Personal use
Version: 1.0.0

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Look inside

These are the sheets in the workbook.

Inputs

Item	Amount	Note
Take-home pay	32500	Net pay after deductions for the main earner
Second income	2500	A Saturday market stall in this sample
Other income	0	Grants, maintenance, or rental income

Expenses

Category	Amount	Note
Rent	9500	Sample flat in Johannesburg, excluding electricity
Groceries	4200	Food and cleaning for two adults
Transport	2800	Fuel and one minibus taxi commute
Electricity	1100	Prepaid units for a one-bedroom flat
Medical aid	3200	Sample contribution, not a quote
Mobile data	499	One contract
School costs	1500	Lunch and stationery, not fees

4 more rows are in the file.

Summary

Metric	Amount	What it means
Total income	35000	All net money expected this month
Total expenses	28099	Every cost line, including the buffer
Surplus	6901	Positive means the plan fits; negative means it does not
Savings rate	0.20	Surplus divided by income
Housing ratio	0.27	Rent divided by income

The Excel file stays in the download. The tables above are a look at the sample.

What it is

A rand budget that separates take-home pay, committed costs, and what is left to save.

Households in South Africa who want a monthly plan in rand, including households with one main salary and a smaller second income.

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Excel workbook with PDF guide

This workbook organises figures you type in. It is not financial, credit, insurance, or tax advice. Rates, fees, and laws change. A qualified adviser should review decisions that affect debt, tax, medical cover, or retirement.