En este artículo

    Presupuesto familiar y cuentas del hogar (ingresos y gastos)

    Contabilidad sencilla

    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 ingresos y gastos

    Abrir en Banana WebApp

    Abra Banana Accounting Plus en su navegador sin necesidad de instalación. Personaliza la plantilla, introduce las transacciones y guarda el archivo en tu ordenador.

    Open template in WebApp

    Template documentation

    This template is based on the management of Household accounts. In the Budget table you will be able to enter all the fixed and variable revenues and costs that you forecast to arise during the year. Reports can be generated automatically, at any time and will allow you to have an immediate overview of the accounts in their current and forecasted status.

    Create a new file

    • 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 (Income & Expense)
    • In the active window that displays, enter the headings (ex. Smith family, 2022  Household accounts)
    • Save the file with it's name

    initial liquidity balance

    The initial balances for accounts in Assets and Liabilities are to be entered here in the 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. Revenues and Expenses can also be allocated by activity as well as Cost centers 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.

    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.

    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

    Contabilidad de ingresos y egresos

    Tabla: Cuentas
    Grupo Descripción Sumar en
      1000 Efectivo María 100
      1005 Efectivo Jorge 100
      1010 Cuenta Corriente Bancaria 100
      1020 Cuenta Corriente PostBancaria 100
    100   Total Liquidez 10
        Otros Activos  
      1500 Piso 110
      1550 Muebles 110
    110   Total Otros Activos 10
      2010 Tarjeta de Crédito María 20
      2015 Tarjeta de Crédito Jorge 20
      2020 Otras deudas a corto plazo 20
      2100 Hipoteca 20
    Tabla: Categorías
    Grupo Categoría Descripción Sumar en
      4000 Salario María 4
      4001 Salario Jorge 4
      4050 Otros ingresos 4
      4100 Segunda ocupación 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
      3018 Cuotas Universitarias 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
        Otra Actividad  
        Gastos actividad adicional 39
    39   Total Gastos Actividad Adicional 3
    3   TOTAL GASTOS 00
    00   RESULTADO  
        Centros de costes por miembro de familia  
      .MA Gastos María  
      .JOR Gastos Jorge  
      .SA Gastos Sara  
    Tell us how we can help you better
    If the information on this page is not what you're looking for, is not clear enough, or is not up-to-date, let us know.

    Share this article: Twitter | Facebook | LinkedIn | Email