Blue Ridge planning tool

Turn the monthly details into one clear picture.

Choose the format that works for you: download the familiar worksheet, or complete the guided version online and create a clean PDF for your records and planning conversation.

Download fillable PDF ↓

Choose the route that feels easiest.

Use the familiar worksheet or let the guided experience lead you through one decision at a time. Both routes create the same useful starting point for your planning conversation.

01

Complete it online

Move through one category at a time, see totals update instantly, and download a completed copy when finished.

02

Use the fillable worksheet

Download the three-page PDF, complete it in Adobe Acrobat Reader, and return it through the method provided by the Blue Ridge team.

Open the PDF →
The guided route

Build the picture one stage at a time.

Your totals update automatically as you move. There is no scoring and no “perfect” budget—only a clearer view of what your financial life supports today and what may continue into retirement.

01 · Begin here

Who is this budget for?

Use names only. Please do not enter Social Security numbers, dates of birth, account numbers, passwords, or other sensitive information.

02 · Monthly income

What comes in each month?

Enter average monthly amounts. Check an item when you expect that income to continue in retirement.

Monthly itemCurrent amountIn retirement?
Current monthly income$0
03 · Household expenses

What keeps the household running?

Use realistic monthly averages; annual bills can be divided by twelve.

Monthly itemCurrent amountIn retirement?
Current household expenses$0
04 · General and lifestyle

What supports the life you live?

The goal is clarity, not a “perfect” number. Include irregular expenses as a monthly average.

Monthly itemCurrent amountIn retirement?
Current lifestyle expenses$0
05 · Transportation

What does getting around cost?

Include loan or lease payments as well as the ongoing cost of using and maintaining vehicles.

Monthly itemCurrent amountIn retirement?
Current transportation expenses$0
06 · Health and protection

What protects your health and financial life?

Use monthly premiums and average out-of-pocket costs. This section is for planning estimates only.

Monthly itemCurrent amountIn retirement?
Current health and protection expenses$0
07 · Planning notes

What deserves context?

Add details that would help the planning conversation—expected changes, timing, or expenses that do not fit neatly into a category.

08 · Calculated automatically

Your monthly picture.

A positive number indicates estimated monthly surplus; a negative number indicates an estimated shortfall. Retirement figures include only the items you selected.

Current picture

Income$0
Expenses$0
Surplus / shortfall$0

Retirement estimate

Income$0
Expenses$0
Surplus / shortfall$0

Keep a copy for your records.

Keep a personal copy or use Blue Ridge’s secure upload portal to submit the completed PDF.

“Finish & securely submit” downloads your completed PDF and opens Blue Ridge’s secure upload portal. You will select the downloaded file there to complete delivery.
Your budget is ready.

A copy has been downloaded for your records. In the secure upload window, select that PDF and wait for Microsoft to display “Finished uploading.” Then close the Microsoft tab, return here, and confirm below.

Reopen secure upload →
Thank you. Your budget has been submitted.

Your personal PDF copy remains on this device. The Blue Ridge team has been notified of your secure upload and will follow up with you as appropriate.

Designed for useful information—without sensitive account details.

  • Do not enter Social Security numbers, dates of birth, account numbers, usernames, passwords, or security codes.
  • Your in-progress entries are stored only in this browser on this device until you clear them.
  • Downloading a PDF saves a copy to your device; it does not send the information to Blue Ridge.
  • The secure upload link accepts files into Blue Ridge’s protected folder without allowing visitors to view its contents or other submissions.
Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Blue Ridge Financial Planning and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. Fixed insurance services offered through Blue Ridge Financial Planning. Investing involves risk of loss. Diversification and asset allocation strategies do not assure profit or protect against loss.