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Free Budget Planner Worksheet
Add your income and expenses to this monthly budget template, and we'll show how your spending is aligned with the 50/30/20 rule.
By Lauren Schwahn Lead Writer | Personal finance and the debt Lauren Schwahn is a writer at NerdWallet who covers debt, budgeting and money-saving strategies. She is a contributor to the "Millennial Money" column in The Associated Press. The work she has contributed to was covered by USA Today, MarketWatch and other publications. Lauren has a bachelor's degree in the field of history at the University of California, Santa Cruz. She is located at San Francisco.
Updated 5 December 2022
Editor: Rick VanderKnyff Senior Assigning Editor | Los Angeles Times; University of California, San Diego; Microsoft Rick VanderKnyff leads the team that is responsible for expanding the content of NerdWallet to include additional subjects related to personal finance. Previously, he has worked as a channel manager at MSN.com as well as a web administrator at University of California San Diego and as an editor of copy and staff writer at the Los Angeles Times. He holds an undergraduate degree in Arts in communication, as well as an master of Arts in anthropology.
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What is a budget-planning?
A budget planner is a piece of software like an worksheet or template that you can use to design your budget. A well-designed budget planner can help you decide how to best spend your money while cutting down or eliminating debt. NerdWallet suggests the , which suggests that 50% of your earnings goes toward needs, 30% toward wants and 20% toward saving and repayment of debt.
Before you create a budget, it is important to establish a plan.
NerdWallet breaks down your spending and helps you find ways to cut costs.
Develop a budgeting plan that works for you
The most effective financial planner will be one that that you can stick with, so tweak your approach as needed. For example the 50/30/20 breakdown can be a recommendation to help you get started. If you need to until you get to your ideal budget.
If a simple monthly budget template doesn't work for you, you might want to consider using one of . Most of them sync with your financial accounts, which means they can for you.
If you can't achieve your budget goals into reality, or if you're having trouble getting a grip on your finances, budgeting may not be enough for you. Consider other options, such as seeking out expert financial advice or resources that may help .
Monthly budget worksheet
Use the budget worksheet below to find out how your spending compares with the 50/30/20 budget guidelines.
If this budget sheet isn't for you Try a different tool. Explore other tools, or download a budgeting app. If you want a simplified overview check out our .
For other money matters take a look at the information provided by NerdWallet.
Want nerdy knowledge that's personalized to your budget? All your money will be in one place, and gain customized information to make the most of it.
Author bios: Lauren Schwahn covers consumer credit and debt for NerdWallet. She has also been highlighted on USA Today and The Associated Press.
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