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Free Budget Planner Worksheet
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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 aligns with the 50/30/20 rule.
The article was written by Lauren Schwahn Lead Writer | Personal financial, debt Lauren Schwahn is a writer at NerdWallet who covers budgeting, debt and money-saving strategies. She is a contributor to the "Millennial Money" column in The Associated Press. The work she has contributed to was highlighted on USA Today, MarketWatch and more. Lauren has a bachelor's degree in historical studies from The University of California, Santa Cruz. She is based at San Francisco.
Updated Dec 5, 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 additional topics within personal financial. Previously, he has been a channel administrator at MSN.com as well as a web manager at University of California San Diego, and as an editor of copy and staff writer at The Los Angeles Times. He holds a Bachelor of Arts in communication, as well as an Masters of Arts in Anthropology.
A majority of the products featured here are provided by our partners who compensate us. This impacts the types of products we review and where and how the product is featured on a page. But, it doesn't affect our assessments. Our views are our own. Here is a list of and .
What is a budget planner?
The budget planner can be a device that includes templates or worksheets, that you can use to design your budget. A good budget planner will help you determine the best way to spend your money, while also avoiding or reducing the amount of debt. NerdWallet suggests the , which suggests that 50% of your earnings goes to necessities, 30 percent to wants and 20% goes to the savings account and repaying debt.
Before you build a budget
NerdWallet breaks down your spending and helps you find ways to cut costs.
Make a budget that is a good fit for your needs
The best budget planner is one that can live with and you should adjust your strategy as needed. For example the 50/30/20 breakdown can be an option to help get started. As needed until you have reached your ideal budget.
And if a hands-on monthly budget template doesn't work for you, consider one of these . Many of them sync with your accounts for financial transactions, so they can for you.
If you're not able to achieve your budget goals into real-life reality, or you're struggling to get a handle on your finances, budgeting might not suffice for you. Explore alternatives, like seeking expert financial advice or other resources that could help .
Monthly budget worksheet
Utilize the budget worksheet for free below to find out how your spending fares against the 50/30/20 budget guidelines.
If this budget worksheet isn't right for you You can try a different program. Look into other options tools, or download a budgeting app. For a more simplified snapshot check out our .
If you're interested in other financial issues look up more information from NerdWallet.
Are you looking for nerdy information that is tailored to your money? All your money will be in one view, and get tailored insights to make the most of it.
The author's bio: Lauren Schwahn covers consumer credit and loans at NerdWallet. She has also been featured in USA Today and The Associated Press.
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