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The free Budget Planner Worksheet
Add your income and expenses to this monthly budget template, and we'll show how your spending complies with the 50/30/20 principle.
By Lauren Schwahn Lead Writer | Personal financial, debt Lauren Schwahn is a writer at NerdWallet who covers budgeting, debt, and other money-saving strategies. She is a contributor to the "Millennial Money" column in The Associated Press. She has been 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. She is located in San Francisco.
Updated 5 December 2022
Written 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's content to cover additional areas of personal financial. Previously, he has worked as a channel manager at MSN.com as well as a web manager at the University of California San Diego and as an editor for copy and staff writer for The Los Angeles Times. He holds a Bachelor of Arts in communication, as well as a master of Arts in anthropology.
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What is a budget-planning?
A budget planner is a tool like a worksheet or template, which you can use to plan your budget. A well-designed budget planner can help you decide how to best spend your money while cutting down or eliminating the amount of debt. NerdWallet suggests the , which suggests that 50% of your income is devoted to needs, 30% goes towards wants% toward wants and 20% for savings and debt repayment.
Before you build a budget
NerdWallet analyzes your spending and shows you how to cut costs.
Develop a budgeting plan that works for you
The most effective budget planner is one that you can live with, so tweak your approach when you need to. For example the 50/30/20 breakdown can be an option to help start. If you need to until you get to your desired budget.
If a hand-on monthly budget template doesn't work for you, you might want to consider using one of . They're all synced with your financial accounts, which means they're able to help you.
If you're unable to achieve your budget goals into reality, or if you're struggling to get a handle of your financial situation, funding may not be enough for you. Consider alternatives, like getting expert advice on finances or resources that can .
Monthly budget worksheet
Use the budget worksheet below to determine how your spending compares to the 50/30/20 budget guide.
If this budget worksheet doesn't suit your needs Try a different tool. Try other budget sheets tools, or download a budget app. To get a simpler snapshot take a look at our .
If you're interested in other financial issues take a look at the information provided by NerdWallet.
Want nerdy knowledge that's personalized to your needs? Put all your money in one place, and gain specific information to make the most of it.
About the author: Lauren Schwahn covers consumer credit and loans at NerdWallet. The work she has written for NerdWallet was highlighted on USA Today and The Associated Press.
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