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The free Budget Planner Worksheet

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Free Budget Planner Worksheet

Add your expenses and income to the monthly budget template and we’ll help you understand how your spending is aligned with the 50/30/20 rule.

By Lauren Schwahn Lead Writer | Personal finance, 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 of The Associated Press. The work she has contributed to was featured on USA Today, MarketWatch and other publications. Lauren holds a bachelor’s level education in the field of history at The University of California, Santa Cruz. Her home is at San Francisco.

Feb 7, 2023

Edited by Rick VanderKnyff Senior Assigning Editor | Los Angeles Times; University of California, San Diego; Microsoft Rick VanderKnyff leads NerdWallet’s news efforts as well as oversees the team responsible to expand NerdWallet content to cover additional subjects within personal finance.

Previously, he has worked as a channel manager at MSN.com and 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 communications and a master 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 write about and the location and manner in which the product is featured on the page. However, this does not affect our opinions. Our opinions are our own. Here’s a list of and .

What is a budget planner?

The budget planner can be a device that includes an worksheet or template which you can use to plan your budget. A successful budget planner helps you choose the best way to spend your money, while also eliminating or reducing debt. NerdWallet recommends the , which suggests that 50% of your earnings is used for needs, while 30 percent for wants, and 20% goes to savings and the repayment of debt.

Before you begin to create a budget

NerdWallet breaks down your expenditure and shows you ways to save.

Develop a budgeting plan that works for you

The best plan for your budget is one that you can stick with, so tweak your approach according to your needs. For example the 50/30/20 breakdown is a recommendation to help you start. as needed until you reach your ideal budget.

And if a hands-on monthly budget template doesn’t work for you, consider one of . Many of them sync with your financial accounts, so they could be useful for you.

If you’re not able to make your ideal budget a reality, or are having trouble getting a grip in your budget, this may not be enough for you. Consider alternatives, for instance, getting expert advice on finances or other resources that may help .

Monthly budget worksheet

Use the free budget worksheet below to find out how your spending fares against the 50/30/20 budget guide.

If the budget spreadsheet isn’t for you Try a different tool. Look into other options tools, or download a budget app. For a more simplified snapshot take a look at our .

To learn more about other aspects of money take a look at the information provided by NerdWallet.

Do you want nerdy advice that’s tailored to your needs? Put all your money in one place, and gain customized information to make the most of it.

About the author: Lauren Schwahn covers consumer credit and debt for NerdWallet. She has also been highlighted by USA Today and The Associated Press.

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