1. A method for budgeting, comprising: providing a worksheet including an arrangement of a funds total, an expenditure, a maximizable cost, and a cumulative cost; determining the funds total from at least an income amount; identifying the expenditure representing a predetermined amount; classifying the expenditure as one of a category of a plurality of categories; computing the maximizable cost associated with the expenditure; generating the cumulative cost associated with the category of the plurality of categories; updating the worksheet; and updating the income amount.