What does this calculator let you do?

This calculator is for education purposes, it provides you with a structure to examine all of your various income and expenditure items, to create an annual budget.

The income and expenditure items are grouped into broad categories.  Each item can be input according to your chosen frequency – for example you may pay electricity bills quarterly, but do your grocery shopping weekly. 

The calculator converts each item into an annual amount, and calculates your total annual income and total annual expenditure, and any shortfall or surplus remaining.