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Banana Accounting Templates

Presupuesto familiar y cuentas del hogar (libro de caja)

Cash Manager

Crea tu presupuesto familiar o personal para gestionar tus cuentas del hogar y ahorrar dinero, utilizando esta sencilla plantilla apta para cualquier persona, con contabilidad de libro de caja.

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Template documentation

Esta plantilla se basa en la gestión de las cuentas del hogar. En la tabla Presupuesto podrá introducir todos los ingresos y costes fijos y variables que se prevéen para el ejercicio. Los informes se pueden generar automáticamente, en cualquier momento y le permitirán tener una visión general inmediata de la situación actual y prevista de las cuentas.

Crea un nuevo archivo

  • In the File menu, select the New command (from Templates)
  • Select Universal-English in Region
  • Select Private in Category
  • Click Family budget and Household accounts (Cash Book)
  • In the active window that displays, enter the headings (ex. Smith family, 2022  Household accounts)
  • Save the file with it's name

Enter initial liquidity balance

The initial balance of your liquidity is entered in the Accounts table, Opening column.

Revenue, Expenses and Budget columns are filled automatically and updated by the program, as values are entered in the Budget and Transactions tables.

Categories for Revenues and Expenses are already set up in the Categories table.

Cost centers are also available to indicate the amount of expenses for each family member.

Categories can be adapted by adding other items of expenses or revenues, or you can alter their order.

Expenses are subdivided as follows in the Categories table:

Fixed costs

These are the costs that are recurring on a monthly or annual basis (ie. rent, train passes, buses, gym etc). These are easy to budget as the is usually known in advance.

Variable costs

These are costs that may vary and are differentiated as follows:

  • Vital (indispensable for living) - Included in this category are the customary expenses such as food, children, pharmacy, transport etc. 
  • Optional (not strictly indispensable) - Costs such as bars and restaurants, cosmetics, cigarettes etc.
  • Culture - such as cinema, books, travel etc.
  • Extra - expenses for exceptional events such as repairs, purchase of furniture, gifts etc.

Cost Centres

With cost centers the amount of expenses for each family member are on display.

Budget your expenses throughout the year

In order to project your expenses for the whole year, you can enter all income and expenses in the Budget table. 

As a fundamental rule for budgeting, check your disposable income and set your objectives to be achieved.

  • Determining income it is very simple as it is generally fixed (ex salary, pay);
  • Defining expenses might take a bit more thinking, but shouldn't be too complicated either. Start by entering Fixed Costs, for which amounts are known (rent, regular subscription and passes, insurance premiums etc). Next, review all other variable costs. In Categories you can determine those that are vital, optional, culture and extras. Reviewing figures for the previous year, you might get a good idea for a weighted calculation of amounts to be budgeted.

Enter Transactions for the day

Enter the date, description and the amount for Income or Expense. By entering the reference abbreviation of the cost centre (for family members) in the CC1 column, amounts allocated to each of them will be displayed. 

Get ready for the moment of truth at month end!

Month end will be the appropriate moment to check your accounts and ascertain wether you have achieved your objectives.

Banana accounting will automatically generate a Balance Sheet for your Household and all you need to do is to verify how much you may have spent or saved, by comparing the actual balances with the respective budgeted amounts. Reflecting on the end-of-month budget will help you to become aware of your own habits and spending patterns. Realizing in time of certain wastes can be useful to form good intentions for the following month. Being made aware of non budgeted expenses will help you implement adjustments for the following month.

  • Select Enhanced balance sheet with groups ... in the Account1 menu
  • Options for current or budgeted balances are available in the active window that is displayed. 
  • Click Period in the menu to indicate your desired period (month, quarter, semester, year).

Here's your Balance Sheet for end of January:

You now have a Balance Sheet of your Household accounting at your disposal in a transparent way, without the hassle of having to go through manual calculations. You will have a clear vision of available liquidity and how you have spent your money or made savings. 

If you have achieved your objectives, you're allowed to give yourself a pat on the back, otherwise you have the necessary information to make decisions about things to improve in your spending habits to achieve them.

Template preview

Familia Garcia

Moneda base: EUR

Cash Manager

Grupo Descripción Gr.
  1000 Liquidez  
Grupo Categoría Descripción Gr.
    Presupuesto familiar  
  4000 Salario Ana 4
  4001 Salario Juan 4
  4050 Otros ingresos 4
    Gastos Fijos  
  3000 Alquiler o hipoteca 30
  3002 Luz, gas, agua 30
  3004 Cuota mensual televisión 30
  3006 Seguro de automóvil e impuesto de timbre 30
  3008 Seguro médico 30
  3010 Suscripción teléfono e internet 30
  3012 Seguro de hogar 30
  3014 Suscripción gimnasio 30
  3016 Suscripción Diario 30
30   Total Gastos Fijos 3
    Gastos Necesarios  
  3200 Compra alimentos 32
  3202 Productos higiene personal 32
  3204 Productos higiene del hogar 32
  3206 Ropa, zapatos, etc. 32
  3208 Gastos médicos 32
  3210 Farmacia 32
  3212 Impuestos 32
  3214 Gasolina, peajes, tren, autobús 32
  3216 Peluquería 32
  3218 Animales domésticos 32
  3220 Cuotas escolares 32
32   Total Gastos Necesarios 3
    Gastos Opcionales  
  3400 Cafetería, restaurante, comida para llevar 34
  3402 Salir a bailar, discotecas 34
  3404 Tabaco 34
  3406 Esteticién 34
  3408 Gimnasio 34
  3410 Compras 34
  3412 Cosméticos 34
34   Total Gastos Opcionales 3
    Gastos Culturales  
  3600 Cine 36
  3602 Música 36
  3604 Teatro 36
  3606 Espectáculo 36
  3608 Libros, periódicos y revistas 36
36   Total Gastos Culturales 3
    Gastos Adicionales  
  3800 Viajes, vacaciones 38
  3802 Regalos 38
  3804 Reparaciones hogar 38
  3806 Reparaciones coche 38
  3808 Gastos médicos 38
  3810 Hogar (muebles, utensilios, ropa de casa...) 38
  3812 Canguros y trabajadoras domésticas ocasionales 38
38   Total Gastos Adicionales 3
    Centros de costes  
  .AN Gastos Ana  
  .JO Gastos Juan  
  .SA Gastos Sara  

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