Community template
Budget categories for the meticulous saver, 401k and HSA included
John from Denver designed this for savers. Transfers to savings and investments can be budgeted without counting as spending, and 401k and HSA activity, including contributions and gains, is not treated as income.
- 18 groups
- 4 categories
- 105 subcategories
- Comprehensive (80+)
- Solo / single
- Salaried employee
- Frequent traveler
In their words
All 401k income and HSA contributions (along with growth/gains in investments) is not considered income. Designed for a saver (not a spender). Categories set up where transfer to savings accounts/investments are not considered spending but can still be budgeted for.
All 127 categories in For the meticulous, detailed financier
Income Income
- Wages Income
- Interest Income Income
- Bonus Income
- Gifts Income
- Rewards Income Income
- Tax Refunds Income
- Income - Other Income
Housing
- Property Tax
- HOA
- Homeowners Insurance
- Flood Insurance
- Routine Maintenance
- Electricity
- Natural Gas
- Internet
- Cell Phone Bill
- Moving Expenses
- Mortgage and Rent
- Housing - Other
Food and Drink
- Groceries
- Restaurants
- Coffee and Hot Chocolate
- Fast Food
- Liquor
- Food and Drink - Other
Automotive
- Gas and Fuel
- Car Insurance
- Automotive Services
- Car Registration Fees
Medical
- Dentist
- Eye Care
- Medical - Other
- Primary Care
Physical Health
- Pickleball
- Skiing
- Gym and Fitness
- Personal Care - Other
Travel
- Air Travel
- Excursions
- Lodging
- Rental Cars
- Travel Company
- Travel - Food and Drink
- Travel - Other
General Merchandise
- Bookstores and Newsstands
- Clothing and Accessories
- Electronics and Software
- Gifts and Novelties
- Kitchen
- Membership Fees
- Merchandise - Other
- Office Supplies
- Online Marketplaces
- Sporting Goods
- Superstores
General Entertainment
- Tickets
- Entertainment
- Gaming
- Streaming
- Cooking Classes
General Services
- Hair and Beauty
- Education
- General Services - Other
- Insurance (not car or home)
- Postage and Shipping
- Storage
Government and Non-profit
- Donations
- Government and Non-profit - Other
- Tax Payments
Home Improvement
- Furniture
- Hardware
- Home Improvement - Other
- Repair and Maintenance
- Security
Transportation
- Bikes and Scooters
- Parking (not airports)
- Public Transit
- Taxis and Ride Shares (not to/from airport--would be in air travel)
- Tolls
- Transportation - Other
401k Excluded from budget Excluded from totals
- 401k - Change in Market Value Excluded from budget Excluded from totals
- 401k - Direct Paycheck Contribution Excluded from budget Excluded from totals
- 401k - Dividends Excluded from budget Excluded from totals
- 401k - Fund Administrative Fees Excluded from budget Excluded from totals
- 401k - Other Excluded from budget Excluded from totals
Debt Payments Excluded from budget Excluded from totals
- Credit Card Payment Excluded from budget Excluded from totals
- Debt Payment - Other Excluded from budget Excluded from totals
HSA Excluded from budget Excluded from totals
- HSA - Contributions Excluded from budget Excluded from totals
- HSA - Fees Excluded from budget Excluded from totals
- HSA - Interest/Dividends Excluded from budget Excluded from totals
- HSA - Internal Sell/Buy Excluded from budget Excluded from totals
- HSA - Medical Spending Excluded from budget Excluded from totals
- HSA - Other Excluded from budget Excluded from totals
Personal Investment Internal Excluded from budget Excluded from totals
- Buy Excluded from budget Excluded from totals
- Capital Gain Excluded from budget Excluded from totals
- Dividends Excluded from budget Excluded from totals
- Reinvestment Excluded from budget Excluded from totals
- Sell Excluded from budget Excluded from totals
- Sweep Out Excluded from budget Excluded from totals
- Change in Market Value Excluded from budget Excluded from totals
- Contributions Excluded from budget Excluded from totals
- Fund Administrative Fees Excluded from budget Excluded from totals
- Investment Internal - Other Excluded from budget Excluded from totals
- Trade Commissions Excluded from budget Excluded from totals
Transfers Excluded from budget Excluded from totals
- Account Transfer Excluded from budget Excluded from totals
Other spending categories
- Christmas Gifts
Transfers and excluded categories
- Investment/Savings Budget Transfers Excluded from totals
- Savings "Internal" Transfers Excluded from budget Excluded from totals
- Reimbursement Transaction Groups Excluded from budget Excluded from totals
How to use this template in Lunch Money
Click Copy entire setup at the top of this page, then paste it into Lunch Money as a preset. See the import steps.
Want only part of it? Mix and match categories in the library to build your own template.
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