Budgeting Tools

Helping you plan your future.

An important part of managing your money is knowing where your money goes. Setting a budget will help you understand how much you need to meet an obligation and how much you have left for discretionary spending.

We have provided you with some useful tools to help you get started. We give you a brief explanation how to use them so follow the steps below and you will be on the way to controlling your future.

If you have any questions, please contact a FM BANK representative today.


The first step is to understand where your money is typically spent. The Budget Calculator uses some simple guidelines to help you project where your money should go in basic categories.

Budget Calculator

Directions: Simply click on the image above and enter your annual net income (after tax deductions). Then press ‘Calculate’. The calculator will automatically allocate your money into the various categories. If you want a copy, press the ‘Print’ button. You can use this for future reference to compare to your own personal budget.


To develop a budget you must determine where and how much you will be spending in various categories.

Write down your estimated expenditures by category for each month of the year.

At the end of every month record your actual expenses in each of the categories.

Once you have completed the steps described above you are on your way to achieve your financial goals.


Create a holiday planning worksheet to help you plan for various expenses when the holiday season is approaching.

Track your holiday-related expenses, and you will be getting ahead for the New Year instead of in debt.