Use this budget worksheet to create a budget that matches your lifestyle and your goals. It includes lots of things that other budget worksheets leave off – stuff like streaming services, pet care and gifts. And it even has extra space for you to enter additional expenses.
Just input your monthly income and expenses, and the worksheet will automatically crunch the numbers as you go. Want to see how certain changes would impact your budget? Go back and tweak the numbers as many times as you’d like, and the total will continue to update.
If there’s an expense listed that doesn’t pertain to you, just enter a zero in the field next to it.
Don’t include homeowner’s insurance or property tax, if they’re included in your mortgage payment. Also leave off health, life, dental, vision and disability insurance, if they’re automatically deducted from your pay. You want your budget to reflect your true out of pocket costs for the month.
To budget for expenses that you only pay once a year, just divide those costs by 12 to arrive at their monthly cost to you.
Since we’re all about side hustles, saving and paying off debt around here, you’ll also see that this budget worksheet has room to enter multiple income streams, and to plan how much you’re going to save and pay off this month. Make those things a part of your budget, and you’re much more likely to follow through with them.
Once you’re happy with your budget, print it out, or save it to a device. If you save it, you’ll be able to tweak it throughout the month, if you need to.
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Be sure to check out these other free printables.