90-Day Budget — The Millionaire in Training (M.I.T) Project

How to Use This Worksheet

Map your income for the full 90 days first. Then use those paycheck numbers to build each month's expenses.

The goal: See your money before it arrives. First, list and number every paycheck or recurring deposit you expect during the next 90 days. Then, as you complete each monthly page, identify which paycheck will pay each obligation.

Before You Begin

Gather your pay schedule, recent pay stubs or benefit statements, bank statements, bills, minimum debt payments, and other regular expenses. Use take-home income — the amount you expect to actually receive.

The Process

1Map 90 Days of IncomeList every paycheck or recurring deposit expected during the 90-day period, in date order. Each one gets a Check #.

2Build Month 1List each expense, what you budget for it, and the paycheck that will fund it. Record the actual amount as the month happens.

3Repeat for Months 2 & 3Use the same paycheck numbers. The numbering does not restart each month.

4ReviewAt month-end, compare Budget to Actual. Use what you learned to make next month more realistic.

Your progress saves automatically on this device. Use Save My Budget to keep a copy you can reopen anywhere, or Print / Save PDF for a paper or PDF copy.

90-Day Money Coming In

Complete this schedule once before you begin the monthly pages.

Name

90-Day Period Start

90-Day Period End

List every paycheck, benefit payment, support payment, side-income deposit, or other recurring income you reasonably expect. Keep them in date order — each one keeps its Check # on the monthly pages.

⚡ Quick fill: same paycheck on a regular schedule?

Income source

How often

First pay date

Take-home amount

Adds every deposit through your 90-day end date, then re-sorts by date.

Check #	Income Source	Expected Pay Date	Budget Amount	Actual Amount
	TOTAL 90-DAY INCOME		$0.00	$0.00

90-Day Summary

See how each paycheck is assigned across all three months — and whether any check is over-committed.

Paycheck Assignments

Check #	Source	Pay Date	Check Amount	Assigned (Budget)	Left Over	Status

“Over” means more bills are assigned to that check than it can cover. Move a bill to another check, adjust the amount, or talk with a coach.

Need More Help?

The M.I.T. Project offers free one-on-one financial coaching for individuals who would like additional support with budgeting, cash flow, savings, debt, and creating a practical financial plan.

Email: info@themitproject.com
Phone: 726-465-4833
Website: www.themitproject.com

PREFER A DIGITAL BUDGET?

Visit our digital budget partner: CLou Digital Studio

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