Personal Finance Budgeting Records

This dataset provides detailed, household-level records of income and expenses, including transaction categories, payment methods, recurrence patterns, and basic household demographics. It enables comprehensive budgeting analysis, supports financial literacy initiatives, and can power personalized financial recommendations and research into household spending habits.

  • opened 42 times
  • last updated 22 Jul 2025
  • by GoMask
The brief that made it

Household budgeting and expense analysis

Sample rows

preview · 8 of 200 rows · all 18 columns
household_idstringpayment_methodstringamountfloatis_recurringbooleancategorystringrecord_idstringrecord_typestringsubcategorystringcurrencystringtransaction_datedatedescriptionstringpayer_payeestringrecurrence_intervalstringhousehold_sizeintegerlocation_citystringlocation_statestringlocation_postal_codestringlocation_countrystring
HH001bank_transfer4200truesalaryREC001incomeblankUSD2023-11-30November salary direct depositPacific Tech Corpmonthly1SeattleWA98101USA
HH002bank_transfer1850truerentREC002expenseblankUSD2023-12-01December apartment rentMaplewood Apartmentsmonthly2AustinTX78701USA
HH003bank_transfer350.25trueinvestmentREC003incomedividendsUSD2024-01-15Quarterly stock dividendsFidelity Investmentsquarterly2San JoseCA95112USA
HH004debit_card94.13falsegroceriesREC004expensefruitsUSD2023-12-14Grocery shopping - fruitsTrader Joe'sblank3ChicagoIL60607USA
HH005bank_transfer120.55trueutilitiesREC005expenseelectricityUSD2024-01-05Electricity bill JanuarySeattle City Lightmonthly1SeattleWA98122USA
HH006bank_transfer420falseside_jobREC006incomerideshareUSD2023-12-18Uber driving weekly payoutUberblank1HoustonTX77002USA
HH007credit_card48.5falseentertainmentREC007expensemovieUSD2023-11-23IMAX movie night ticketsAMC Theatresblank2BostonMA02114USA
HH008bank_transfer62.7trueutilitiesREC008expensewaterUSD2023-12-06December water billBoston Water Deptmonthly2BostonMA02110USA

What the 200 rows show

from the 200-row sample

Bank_transfer (payment method) stands out: 79 of its 102 rows have is_recurring = true, against 7 of 98 for the rest.

  • 43%is_recurring = true
  • 280.0median amount
  • 2record types
  • 3recurrence intervals
  • 7currencies
  • 10location countries
Is recurring rate by payment_methodis_recurring = true
0%50%100%6%cash1 of …6%cred…2 of …0%debi…0 of …77%bank…79 of…23%check3 of …13%mobi…1 of 80%other0 of 7
amount200 rows, in bands of 500k
010020019410003100102.5M5Mamount →

Median 280.0, from 12.8 to 5,000,000.

category200 rows · top 10 of 18 values
  1. salary17
  2. utilities17
  3. groceries16
  4. investment13
  5. freelance13
  6. transportation12
  7. healthcare12
  8. insurance12
  9. education12
  10. side_job11
18 columns by typefrom the column list below
  • string 14
  • integer 1
  • float 1
  • date 1
  • boolean 1

Columns

18 columns in four groups
blueprint · 18 columns
columntypedescriptionexample
Text 14 columns
household_idstringUnique identifier for each householduniqueHH001
record_idstringUnique identifier for each income or expense recorduniqueREC001
record_typestringIndicates whether the record is an income or an expense entryincome · expenseincome
categorystringCategory of income or expense (e.g., salary, groceries, utilities, rent, investment, entertainment)salary
subcategorystringOptional subcategory for more granular classification (e.g., fruits under groceries, electricity under utilities)optionaldividends
currencystringThree-letter ISO currency code (e.g., USD, EUR, GBP)7 currenciesUSD
descriptionstringOptional free-text description of the record (e.g., 'monthly rent payment', 'salary for June')optionalDecember apartment rent
payment_methodstringMethod of payment or receipt (e.g., cash, credit_card, debit_card, bank_transfer, check, mobile_payment)7 values · optionalbank_transfer
payer_payeestringName of the payer (for income) or payee (for expense), e.g., employer, landlord, vendoroptionalPacific Tech Corp
recurrence_intervalstringInterval for recurring transactions (e.g., monthly, weekly, yearly); null if not recurring6 values · optionalmonthly
location_citystringCity where the household is locatedoptionalSeattle
location_statestringState or region where the household is locatedoptionalWA
location_postal_codestringPostal code of the household's locationoptional98101
location_countrystringCountry where the household is located10 countries · optionalUSA
Numbers 2 columns
amountfloatMonetary value of the income or expense (positive value, in household's currency)0 or more4200
household_sizeintegerNumber of people in the household1 or more · optional1
Dates and times 1 column
transaction_datedateDate the income or expense was recorded2023-11-30
True or false 1 column
is_recurringbooleanIndicates if the record is part of a recurring transaction (e.g., monthly rent, salary)true

Use it for

  • is recurring43%86 of 200 rowsmean amount by paymen…858.5cash381.3cred…67.2debi…11.3kbank…

    A finance dashboard

    The is_recurring rate, amount by payment_method and a breakdown of category. Excel, Power BI or Tableau.

  • Why do 86 of 200 rows have is_recurring = true?

    A root-cause class exercise

    Hand out the rows and one question. The answer is in the data, not in the brief.

  • A software demo

    Believable households with record_id, record_type and category to fill a screen in front of a buyer.

Not quite right?

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This dataset200 rows18 columns
Yours10,000 rows18 columnslocation_city: UK only

blueprint · personal-finance-budgeting-records

Behind this dataset

Same schema. As many rows as you need.

These 200 rows came out of a blueprint — 18 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.

Rules it was built with
  • Include income, fixed, and discretionary spend
  • Simulate monthly, quarterly, and annual cycles
  • Tag goals, overspending, and saving events
  • Capture demographic and household composition
Rows
Open the blueprint in Data Factory

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Exports
CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
Licence
yours to use, including commercially
API slug
personal-finance-budgeting-records

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