If you want a template that does all the math for you, Google Sheets offers annual and monthly budget templates. You can also ...

This is a personal decision, and as Christians, we believe in giving. I will say that while we are getting out of debt we don’t give the full 10%, but plan to once we are debt free.

You can create your own budget spreadsheet or use an existing template, which gives you more flexibility to meet your personal needs. After a free 30-day trial, Tiller is $79 a year.