A budget planner will help you save money and keep you motivated and accountable during the process. There are a lot of budget planners on the market, but you don’t want to spend money to save money! Therefore, we offer you free budget printables to calculate and track your income, expenses, and savings.
I have always loved taking control of my finances, creating a budget, tracking spending and expenses. I have an MBA and majored in financing and I am obsessed with numbers and budgets.
I love shopping and spending but hate spending more than I have which is why I track my spending and expenses. I also feel more secure when I know I am saving enough for a rainy day and have my finances in order.
One of the first steps to controlling your personal financial situation is to create a budget and then to track expenses and income to ensure that you are always on budget. Today, when things are so accessible you can even go shopping in your pajamas at night. It can cause you to spend more than you realize that you spent. Before you know it you are in debt and in over your head. When you keep track of your expenses and income you can ensure that you stick to your budget. A budget tracker is a great way to save. Set a goal of how much you plan to save each week or month and try to stick to it. The savings trackers will help you keep track and reach your goal.
There are many different free budget templates available. Choose the template that works best for you. The templates can be used for many purposes such as tracking your family budget, a vacation, or a wedding budget. Since the text is editable you can adapt any budget for any purpose.
You can make an entire budget planner by using a few of the templates. You can then track your income, expenses, budget, and specific projects. You can also set goals for savings. If you do decide to make a budget planner then you might want to create a planner cover.
Please note that the free budget planner printables on this page are for your personal budget. If you want a template for a small business then please see the business budget template.
Budget Planner Book
If you select each page, you will create the best budget planner book for your needs and it won’t cost you a cent! You can also just go through the ready-made book and print only the pages you want to use.
Free Budget Sheet Template
How to Make a Budget Spreadsheet
Select a budget tracker printable from the selection below. There are many different formats and layouts. Select one that is closest to the format you want. Each budget spreadsheet template is totally customizable and editable. If you found everything you want, then you can stop here.
If you need to edit it, then add lines or cells. It is much easier to edit an existing template than to start from scratch.
Monthly Budget Planner
The monthly budget template calculates your expenses and income over a one-month period. You can print 12 copies and make a DIY budget book for an entire year.
Spreadsheet: Monthly Budget Planner Excel
Free printable budget planner for your home or work budget. Since the text is editable, the free budget printables can be used for any purpose. The spreadsheet includes most items in the family household budget. However, you can delete or add any items.
This household budget template is available in the following formats:
Google Sheets Budget Template | Excel Version | Budget Template PDF | Microsoft Word
When you use the Google Sheets version, you will be prompted to make a copy. Click yes to create and edit your own copy of the template.
See also: budget planner template with savings
The free budgeting spreadsheets (i.e. the Google Sheets and Excel versions) have formulas to calculate the subtotals and totals for each of the budget categories. This will save you time and show you your actual spending and total budget each time you edit an item.
Word: Editable Monthly Budget Planner Template
Edit the template and all text
This is a simple budget template Microsoft Word format. It is also available in PDF. There are 8 categories of expenses and a section for the income and balance (income minus expenses).
Editable PDF | Word | Microsoft Excel | Image
This budget worksheet records income, expenses (divided into six categories), and a section for savings (goal vs actual).
Planner App: Printable Monthly Budget Planner
101 Backgrounds or Borders
We also offer free printable budget templates with pretty borders and backgrounds. You can use them as is or in any planner. These are two examples, but we have 101 different backgrounds and you can add additional widgets or text and images.
Bullet Journal Style
Bi-Weekly Budget Planner
Word | Editable PDF | Image
Weekly Budget Planner
This printable budget worksheet has three sections for income, expenses and savings. If you want to change the expense categories, then the Word version will be better.
Word | Editable PDF | Image
Budget Tracker
A budget tracker template can help you ensure you stay on track and don’t deviate from your budget. If you do, you will at least be aware before things get out of hand.
Monthly Expense Tracker Printable
We also offer a monthly expense tracker printable and bill tracker if you only want to track expenses without income.
Savings Tracker Printable
Our free printable savings tracker will help you save to reach any goal from buying something small to a home. You can use it to save for a rainy day or for your children’s education.
Budget Calendar
A monthly budget calendar will keep track of your finances and help you see what your income and expenses will be each month. Use the editable calendar to plot out your paychecks, bills, and expenses each month. Some of the following templates also have a monthly budget. There is also a section to record your bills and a notes section to keep notes.
Yearly Budget Calendar
Image: January-June, July-December | PDF | Word
I find this calendar useful to list expenses each month. It lets me know where I stand and how much will still need to pay that month on any given day before my next paycheck arrives.
How to Make a Budget Calendar
- Print the blank monthly budget calendar above.
- Check past account statements to find repeat costs. Add them to the calendar.
- Add any event that will cost you money to your budget calendar template. This does not only include bills to be paid but also events such as birthdays, weddings, and anniversaries when you will be giving a gift.
- Scheduling transfers to a savings account can help you save up for a rainy day, college fund, or other savings goal. Add these transfers to your calendar.
- Write in your paydays.
- To make the calendar more fun and easy to use, you can color-code by category and add stickers.
A monthly budget calendar is usually the easiest and most accurate way to track your budget. Create one page for each month to complete a year.
Once you have added all income and expenses, you will be able to see if your paycheck will be sufficient and if you will have any money left at the end of the month. If you are living from paycheck to paycheck, this will prevent any surprises that you do not have savings to cover. If you want to build an emergency fund or savings plan, you might want to try our 30-day spending challenge.
You will need to update your monthly budget calendar each month to keep it accurate. You can either print 12 months in advance or bookmark this site and come back each month.
How to Make Happy Planner Budget Printables
You can use these printables as-is or insert them into your binder, Happy Planner, or any other planner with removable pages.
See how to resize pages to fit the Happy Planner.
How to Track your Budget
Select any budget tracker template from the selection available.
To track your budget you basically need to know how much is coming in and how much is going out however that is easier said than done. We tend to overestimate how much comes in and underestimate how much we spend.
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Understand how much money you make after taxes
If your salary is not set then work out your average salary for the last 6 or 12 months. Include all income from all sources (including wages, benefits, investments, etc.)
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Understand how much money you spend
We often don’t track the small amounts but they tend to add up and reach much bigger amounts!
To understand exactly how much you spend, you need to track your expenses and spending. The best way to get an accurate picture is to track this over a period of at least two months up to one year. If you track for two months only, then don’t forget to add annual expenses that occur during other periods of the year such as a summer vacation. This will give you an average amount per month that will be a realistic picture in the long term. If you use your credit card for most purchases, then you can use the statements to track the transactions and categorize them into the groups you set. You can also check your bank statements. Don’t forget to add cash purchases as well. This will help you know how much you usually spend to set a realistic goal. There is no use in setting a goal that you cannot stick to.
If you have more than one spender in your household, then make sure that everyone is in the picture and tracking expenses.
Don’t forget to add unexpected expenses such as medical, kids, fines, etc.
If you are creating a family budget planner, then take into account expenses in the future as well. Even if your children are young, you will still want to start budgeting for college and other big expenses that will only occur in the future.
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Categorize each expense.
This will give you a picture of how much of your expenses go to each category. If you need to spend less, it will help you see where you should be cutting back. Most of the templates have sample expense categories. If you want to change the categories then use the editable templates such as an Excel file or Word document.
Set a Budget Goal
Your goal can be to spend less than x or to save y. You can try to cut back on expenses in general or from a specific category.
Should you set up a weekly or monthly budget?
A weekly budget might enable you to go into more detail but it might not be accurate if certain expenses do not occur each week. However, if you get paid weekly, you might prefer to use a weekly budget tracker.
A monthly budget tracker will probably be more accurate and is better when you are paid monthly.
In most cases, no matter if you have a weekly or monthly income, a monthly budget is usually better than a weekly one.
Review your Budget and Make Changes if Required
Sometimes things change or you realize you forgot to take some expenses into account. Review your budget regularly to ensure that you stay on track. If you find you overestimated your income then update it. If you underestimated your spending then update it and ensure that you are still on budget. If not, you might need to check if you will have to cut back on expenses to stay on budget.
Tank you sooo much