Step 3: Modify the Month labels as needed, depending on when you are starting your budget. Remember the note about copying/inserting entire rows. Step 2: Edit, Add, or Delete sub-categories as needed. This will usually be the sum of the balances in your spending account(s). Step 1: Enter your Current Balance as of Month 1. Please read through the instructions before asking me questions about how to use the budget calculator. Instructions: I've included a fairly extensive set of instructions and tips in the Instructions worksheet. Easy to edit/add/remove budget sub-categories (major categories not so easy, but doable).Fairly comprehensive list of budget categories.Calculates the Percentage (%) of Income for each major expense category.Actual spending for each month and each major budget category. Calculates the difference between Budgeted and Actual expenses on a monthly basis.