Track income, bills, savings, and spending in one place. Works for any income level.
Income — Expenses — Savings = $0. That's it. Write down what you earn, what you owe, and what you want to save. Assign every dollar a job. Track spending weekly. Adjust monthly. Use the template below — print it, copy it, or download the PDF.
MONTHLY BUDGET — [Month/Year] 💰 INCOME [ ] Paycheck 1 ............ $____ [ ] Paycheck 2 ............ $____ [ ] Side income ........... $____ [ ] Other ................. $____ TOTAL INCOME: $____ 🏠 HOUSING & UTILITIES [ ] Rent / Mortgage ....... $____ [ ] Electric .............. $____ [ ] Water / Sewer ......... $____ [ ] Gas / Heat ............ $____ [ ] Internet .............. $____ [ ] Phone ................. $____ 🚗 TRANSPORTATION [ ] Car payment ........... $____ [ ] Gas ................... $____ [ ] Insurance ............. $____ [ ] Maintenance ........... $____ 🛒 FOOD [ ] Groceries ............. $____ [ ] Dining out ............ $____ [ ] Coffee ................ $____ 💊 INSURANCE & HEALTH [ ] Health insurance ....... $____ [ ] Prescriptions ......... $____ [ ] Gym ................... $____ 💳 DEBT [ ] Credit card ........... $____ [ ] Student loans ......... $____ [ ] Personal loan ......... $____ 🎯 SAVINGS [ ] Emergency fund ........ $____ [ ] Retirement ............ $____ [ ] Savings goal .......... $____ 🎉 PERSONAL [ ] Subscriptions ......... $____ [ ] Entertainment ......... $____ [ ] Clothing .............. $____ [ ] Personal care ......... $____ [ ] Miscellaneous ......... $____ TOTAL EXPENSES: $____ INCOME — EXPENSES: $____
Print it, stick it on the fridge, and fill it out every month. That's how habits form.
Ctrl+P / Cmd+P or click "Print This Page".A tool that lists income, fixed expenses, variable spending, and savings in one place. Fill it out each month and track spending. Shows exactly where money goes.
50% needs (housing, food), 30% wants (dining, fun), 20% savings/debt. A starting framework — adjust to your situation.
Write down take-home pay. List every bill. Track spending for one month. Set limits per category. Review weekly. Start simple.
Housing, Utilities, Food, Transportation, Insurance, Debt, Savings, Entertainment, Personal Care. Start with 8–10 max.
Monthly for the plan (most bills are monthly). Weekly check-ins to catch overspending early.
20% is the guideline. But anything is better than nothing. Start with $50/month. Build 3–6 months emergency fund first.
Budget based on your lowest month. In good months, put extra toward savings or debt.
Notebook, spreadsheet, bank app, or budgeting app. The best method is whichever you'll actually do consistently.
Every dollar gets assigned a job. Income minus all expenses (including savings) = zero. Nothing unaccounted for.
Weekly: quick spending check. Monthly: full review and adjust. Takes 3 months to find your rhythm. Don't quit after month one.