PRINTABLE TEMPLATE
Printable monthly budget worksheet.
Prefer pen and paper? Print this worksheet, fill in the planned amounts at the start of the month, and the actual amounts as the month goes. Or use the free online planner, which adds everything up for you.
How to use it
Fill in your take-home income first, then bills and everyday spending, then savings. Subtract total spending and savings from income to see what is left. Aim for zero or a small positive number.
Monthly budget Month: ____________________
| Item | Planned | Actual |
|---|---|---|
| Income | ||
| Paycheck 1 | ||
| Paycheck 2 | ||
| Other income | ||
| Total income | ||
| Bills | ||
| Rent or mortgage | ||
| Electric | ||
| Water and trash | ||
| Gas or heating | ||
| Phone | ||
| Internet | ||
| Insurance | ||
| Car payment | ||
| Card and loan payments | ||
| Subscriptions | ||
| Total bills | ||
| Everyday spending | ||
| Groceries | ||
| Gas and transportation | ||
| Household supplies | ||
| Personal care | ||
| Eating out | ||
| Kids and school | ||
| Medical | ||
| Other | ||
| Total everyday spending | ||
| Savings | ||
| Emergency fund | ||
| Savings goals | ||
| Extra debt payment | ||
| Total savings | ||
| Income minus bills, spending and savings | ||
These guides explain common budgeting approaches. They are general information, not financial advice.