# Marnie money-planning worksheets

Three reusable worksheets for checking subscriptions, preparing for annual bills
and planning with uneven income. Copy the tables into a notebook, document or
spreadsheet. They are blank planning templates, not an automatic calculator.
All examples below are fictional and use Australian dollars. Keep your completed
copy private; you do not need to send your financial details to Marnie.

Published 13 September 2026 by [Marnie Editorial](https://marnieapp.vercel.app/editorial-policy).
General budgeting education, not personal financial advice. Marnie is an
early-access expense-tracking app for iPhone and Android.

## 1. Subscription audit

Check your statements, app-store subscriptions, provider accounts and renewal
receipts. One row represents one service, even if it appears in several sources.
Record the billing company or account nickname; never add passwords or full
payment-card details.

| Service and plan | Billing company | Amount and currency | Frequency | Next renewal | Decision and review date | Confirmation/status |
| --- | --- | --- | --- | --- | --- | --- |
| | | | | | | |
| | | | | | | |
| | | | | | | |
| | | | | | | |
| | | | | | | |

For comparison: monthly charge × 12 = annual comparison; annual charge ÷ 12 =
monthly equivalent. Weekly × 52 and four-weekly × 13 use a 52-week comparison;
count actual debit dates for a calendar-year cash-flow plan. Do not add totals
in different currencies without choosing and recording a conversion rate/date.

Example: A$48 annual cloud storage plus A$90 annual language access = A$138
actually due if both renew this month. Their A$11.50 monthly equivalent is for
comparison; it is not this month's debit. A cancellation is a future renewal
avoided once confirmed; record a refund separately only when received.

[Read the subscription audit guide](https://marnieapp.vercel.app/blog/subscription-audit).

## 2. Annual-bill sinking funds

List known future costs and the contribution dates available before each due
date. Keep money already allocated to one bill out of another bill's reserve.

| Bill | Expected amount | Due date | Already reserved | Contributions remaining before due date | Amount per contribution | Next review |
| --- | --- | --- | --- | --- | --- | --- |
| | | | | | | |
| | | | | | | |
| | | | | | | |
| | | | | | | |
| | | | | | | |

Amount still needed = maximum of zero and (expected bill − amount reserved).
Divide by the number of contributions available before payment and round up to
cents. If no contributions remain before the due date, fund the gap from
existing available money or address it with the provider before payment is due.
Do not divide by zero or count a payday after the bill. Check that the combined
contributions fit your budget.

Example: A$720 bill, A$120 already reserved, four contributions before it is due:
(720 − 120) ÷ 4 = A$150 per contribution. The A$60 monthly average over a full
year does not solve this first due date. Once paid, rebuild the next cycle using
the new estimate and actual contribution schedule.

[Read the annual-bill guide](https://marnieapp.vercel.app/blog/sinking-funds-annual-bills).

## 3. Irregular-income cash-flow check

Choose a short planning period. Start from money you can use now and exclude
protected reserves. Use only cleared or explicitly confirmed income in the
base plan. Put uncertain shifts or invoices in the separate scenario table.

If a bill is funded from an excluded reserve, record the matching reserve
release into this plan before the bill, or keep both outside this plan. A
reserve release moves existing money into the plan; it is not new income.
Count each amount once.

Planning start date: ______   End date: ______

Opening money available for this plan (after protected reserves): ______

| Date | Confirmed income or essential payment | Money in | Money out | Running balance |
| --- | --- | --- | --- | --- |
| | | | | |
| | | | | |
| | | | | |
| | | | | |
| | | | | |

For each date, running balance = previous balance + money in − money out.
Keep rows in date order. A positive final balance does not repair an earlier
negative balance. If a payment and income fall on the same day, check clearance
timing. Do not subtract a pending purchase again if the opening available
balance already includes it.

| Uncertain income | Expected date | Amount | Evidence still needed | What changes if it arrives late? |
| --- | --- | --- | --- | --- |
| | | | | |
| | | | | |
| | | | | |

Example: start with A$300; a A$400 bill arrives Tuesday; A$500 income arrives
Friday. The plan finishes with A$400, but Tuesday has a A$100 shortfall. Act on
that timing gap rather than treating the final amount as available today.

[Read the irregular-income guide](https://marnieapp.vercel.app/blog/budget-irregular-income).

## Reuse and sources

You may copy, adapt and share the blank templates, including in community
budgeting workshops. No attribution is required. Do not publish completed
worksheets containing someone's financial information.

The worked examples and templates are original editorial material. Supporting
consumer and platform guidance is linked in each guide; useful starting points
include [Moneysmart budgeting](https://moneysmart.gov.au/budgeting/how-to-do-a-budget),
[Apple subscriptions](https://support.apple.com/en-au/118428) and
[Google Play subscriptions](https://support.google.com/googleplay/answer/7018481?hl=en).
Always check the terms and dates that apply to your own bills.