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A Budget Planning Worksheet for Free Worksheet
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A Budget Planning Worksheet for Free Worksheet
Add your expenses and income to this template for your monthly budget, and we'll demonstrate how your spending is aligned with the 50/30/20 rule.
The article was written by Lauren Schwahn Lead Writer | Personal finance and debt Lauren Schwahn is a writer at NerdWallet who writes about budgeting, debt, and other money-saving strategies. She is a contributor to the "Millennial Money" column for The Associated Press. Her work has also been covered in USA Today, MarketWatch and other publications. Lauren holds a bachelor's degree in historical studies from her home at the University of California, Santa Cruz. She is located in 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 responsible for expanding NerdWallet content to additional topics within personal finance. Previously, he has been a channel manager at MSN.com and as a web manager at University of California San Diego as well as as an editor for copy as well as a staff writer at The Los Angeles Times. He holds an undergraduate degree of Arts in communication and a Masters of Arts in Anthropology.
The majority or all of the products we feature come from our partners who compensate us. This impacts the types of products we feature and where and how the product appears on a page. However, this doesn't influence our opinions. Our opinions are entirely our own. Here's a list of and .
What is a budget-planning?
A budget planner is a piece of software like templates or worksheets, that you can use to design your budget. A well-designed budget planner can help you choose the best way to spend your money while avoiding or reducing the amount of debt. NerdWallet recommends the , which suggests that 50% of your earnings goes toward needs, 30% toward wants and 20% goes to saving and repayment of debt.
Before you build a budget
NerdWallet analyzes your spending and helps you find ways to cut costs.
Develop a budgeting plan that works for you
The most effective budget planner is one that you can stick with, so tweak your approach when you need to. For instance the 50/30/20 breakdown can be a recommendation to help you begin. As needed until you have reached your desired budget.
If a hand-on monthly budget template doesn't work for you, you might want to consider using one of these . Most of them sync with your financial accounts, which means they're able to help you.
If you're not able to create your dream budget into a reality, or are trying to keep a check of your financial situation, funding may not suffice for you. Explore alternatives, for instance, getting expert advice on finances or resources that may help .
Monthly budget worksheet
Use the budget worksheet below to find out how your spending compares to the 50/30/20 budget guidelines.
If this budget worksheet isn't for you, try another tool. Explore other , or download a budget application. For a more simplified snapshot, try our .
If you're interested in other financial issues look up more information from NerdWallet.
Want nerdy knowledge that's personalized to your budget? Put all your money in one account, and receive customized information to maximize the value of it.
The author's bio: Lauren Schwahn covers consumer credit and debt for NerdWallet. The work she has written for NerdWallet was highlighted in USA Today and The Associated Press.
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