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Free Budget Planner Worksheet
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The free Budget Planner Worksheet
Add your expenses and income to the monthly budget template and we'll help you understand how your spending complies with the 50/30/20 rule.
By Lauren Schwahn Lead Writer | Personal financial, credit card debt Lauren Schwahn is a writer at NerdWallet who covers budgeting, debt, and other money-saving strategies. She contributes to the "Millennial Money" column in The Associated Press. The work she has contributed to was featured by USA Today, MarketWatch and many more. Lauren holds a bachelor's degree in the field of history at her home at the University of California, Santa Cruz. Her home is within San Francisco.
Updated 5 December 2022
Edited by Rick VanderKnyff Senior Assigning Editor | Los Angeles Times; University of California, San Diego; Microsoft Rick VanderKnyff leads the team that is responsible for expanding NerdWallet content to include additional subjects related to personal financial. Previously, he has been a channel manager at MSN.com, as a web manager at the University of California San Diego as well as as an editor of copy as well as a staff writer at the Los Angeles Times. He has a Bachelor of Arts in communications and a Masters of Arts in anthropology.
A majority of the products we feature are provided by our partners who pay us. This affects the products we write about and where and how the product appears on the page. However, this does not affect our assessments. Our opinions are entirely our own. Here's a list and .
What is a budget-planning?
The budget planner can be a piece of software like an worksheet or template that you can use to plan your budget. A successful budget planner helps you choose the best way to spend your money while avoiding or reducing debt. NerdWallet suggests the , which suggests that 50% of your earnings goes to necessities, 30 percent for wants, and 20% for saving and repayment of debt.
Before you build a budget
NerdWallet analyzes your spending and shows you ways to save.
Develop a budgeting plan that works for you
The best plan for your budget is one you can live with, so tweak your approach as needed. For instance, the 50/30/20 breakdown is a recommendation to help you start. as needed until you reach your desired budget.
And if a hands-on monthly budget template doesn't work for you, consider one of these . Most of them sync with your financial accounts, so they're able to help you.
If you can't make your ideal budget a real-life reality, or you're struggling to get a handle in your budget, the process of planning may not be enough for you. Look into alternatives, like getting expert advice on finances or resources that can .
Monthly budget worksheet
Use the free budget worksheet below to determine how your spending fares against the 50/30/20 budget guide.
If the budget spreadsheet doesn't suit your needs Try a different tool. Try other budget sheets tools, or download a budget application. To get a simpler snapshot check out our .
If you're interested in other financial issues, check out more from NerdWallet.
Do you want nerdy advice that's tailored to your needs? All your money will be in one place, and gain tailored insights to maximize the value of it.
The author's bio: Lauren Schwahn covers consumer credit and debt at NerdWallet. The work she has written for NerdWallet was highlighted in USA Today and The Associated Press.
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