An open planning notebook beside blank receipts and a pencil.

Period review

Same period

A partial month should not be compared as though it were a complete one. Align the period before interpreting the difference.

Plan and actual

Net income

Keep a change in income separate from a change in spending. Both can alter what remains.

Plan and actual

Essentials

Use the same category boundary in both columns. Moving an item between categories can look like a spending change.

Plan and actual

Flexible spending

The variance is a difference in amounts, not a judgement about a purchase or the person who made it.

Plan and actual

Set aside

Show the allocation separately. Money moved to savings should not be mistaken for consumption or a missing balance.

Plan and actual

Next period

Use the comparison to choose what to check next. It does not automatically rewrite your budget or forecast future income.

Plan and actual
Private figuresLinked sourcesYour pace

Read the change

More receivedchanges the income sideMore set asideis not the same as spending moreLess leftneeds context from both sides

The difference is a question to investigate, not a score.

Plan and actual

Use the same period and household boundary for both columns. Money set aside is an allocation, not consumption or a loss of net worth.

Editable examples
Your figures stay on this pageconsumer.gov · US · Review a budget

Look again

A partial month should not be compared as though it were a complete one. Align the period before interpreting the difference.

Do both columns cover the same dates?

Carry it forward

Changes easier to see?

PaycheckAid organises your figures. It does not determine benefit eligibility, tax, credit suitability or the right financial choice for you.