Want to keep track of how much money you make, save, and spend each month? You need a budget! Once you’ve created a budget, you’ll want a handy way to track everything, right? That’s where these free printable budget templates come in!
Whether you decide on a zero-based budget, a 50/30/20 budget, or another budgeting method, you’ll need a budget worksheet, template, or spreadsheet to help you manage your money.
Don’t be one of the 78% of US workers who are living paycheck to paycheck. Break the cycle and take charge of your finances today!
Psst…if a single budget printable is not enough for you, check out our top 10 budget planners for 2021!
How To Choose The Right Budget Template
When it comes to budgeting, there is no one right way to go about it. Which means when it comes to choosing the right budget template, the decision is totally up to you!
The right budget template will allow you to see all of your monthly expenses at a glance, so you can quickly identify any areas of your budget that may need to be adjusted.
A good budget worksheet will allow room to record your income and savings goals along with the most important budget categories of housing, transportation, and food expenses.
The most important thing to remember when choosing a budget template is to work with your personality, not against it. In other words, if you are not into spreadsheets, don’t try to track your budget with a spreadsheet!
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How Do You Use A Budget Template
Honestly though, do you even need a budget? I mean, is having a budget really all that important? Yes. Yes, it is! Creating and living on a budget can mean the difference between financial bondage and financial freedom.
If you want to stop living paycheck to paycheck, get out of debt, and build wealth, a budget can get you there.
Before you decide on which budget template (or templates) to use, you’ll want to make sure you understand the basics of creating a budget.
Creating a budget is as easy as 1, 2, 3:
- Add up all of your income for the month.
- Add up all of your monthly bills and expenses.
- Subtract your bills from your income.
If you come out ahead, you win! If not, look for things you can cut back on (the grocery budget is a good place to start), or increase your income with a side hustle.
Fill out your chosen budget template with your personal budget numbers using only the categories that are relevant to you.
Make sure you track every dollar for the best results!
Now, on to the best free printable budget templates…
1. Free Printable Budget Templates from Savvy Budget Boss
I designed this budget printable to be both simple and functional. It comes in blank and pre-filled versions because I know not everyone has the same budget categories.
Even better, this budget template is completely editable! So, you can choose whether to print out a copy or type in your own budget categories and expenses and save it to your computer instead.
2. Printable Budget Sheet from Printable Crush
A pretty and colorful budget pdf that includes a place to log your savings as well as breakdowns of (8) budget categories.
3. Simple Budget Template For College Students from College Life Made Easy
Now here’s something you don’t see every day! A budget worksheet for college students! The template shown below is filled in, however, a blank version is available on the site as well.
4. Simple Monthly Budget Worksheet from Gathering Dreams
You can either download this budget template as a pdf or open it in Google Sheets if you’re into spreadsheets. I really like the simple design of this budget worksheet.
5. Blank Budget Template Printable from Mom Managing Chaos
This worksheet is broken down by fixed, variable, and discretionary expenses. There are areas to track income, savings, and debt payments as well.
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6. Free Budget Binder from Thirty Handmade Days
This next set of budget printables includes 10 different templates including a meal planner, debt tracker, and monthly budget printable.
7. Free Budget Binder Printables from Money Minded Mom
Here’s a collection of budget printables with a pretty pastel design. It includes a bill payment calendar, savings tracker, net worth sheet, as well as a 2-page budget template.
8. Free Printable Budget Planner from Blooming Homestead
This pretty yet functional budget planner pdf is a simple way to manage your finances. It is available in 3 different styles and includes a savings tracker, expense tracker, and a month at a glance budget sheet.
9. Free Zero-Based Budget Template from Moritz Fine Designs
If you follow Dave Ramsey, you’ll know he recommends using a zero-based budget system. This budget template was created exclusively for the zero-based budget method. It starts out with fixed expenses, followed by debt payments, and finally, wants. The goal is to end your budget with a zero balance.
10. Simple Monthly Budget Template from The Savvy Couple
This template from The Savvy Couple is easily customizable. Even better, it auto-calculates your totals for you! It’s separated into fixed and variable expense categories so you can easily identify and fix any budget-busters.
11. Family Budget Worksheet from A Mom’s Take
The beauty of this budget template is that it leaves room for long-term expenses that are irregular in nature. So, you can make sure to budget for these expenses before they occur.
12. Free Budget Binder Printables from The Frugal Foot Doc
This free collection of budget printables includes:
- A blank monthly budget template
- Spending log
- Bill checklist
- Due date calendar
- Bill checklist
- Cash envelope template
13. Family Binder Budget Printables from Clean and Scentsible
This set of budgeting printables includes a budget at a glance, a budget overview, and a monthly budget tracker page. Use the one that works best for you, or use all three.
14. Free Printable Budget Templates from Bobbi Printables
I love the simplicity of this budget template. It comes in 3 different colors and includes areas for income, savings, fixed and variable expenses.
15. Budget Template from LW Vogue
Here’s a simple budget template perfect for beginner budgeters. It includes the basic budget categories to help you keep track of your spending.
16. Monthly Budget Printables from Scattered Squirrel
Scattered Squirrel has a ton of free home management printables on their site. Including this set of blank budgeting templates for a yearly family budget.
17. Free Family Budget Printable from A Spectacled Owl
This next printable includes my favorite colors and includes space to chart financial goals as well as progress made on those goals.
18. Simple Budget Template from A Cultivated Nest
Another super simple budget printable that is designed to give you an overall view of your spending in each category rather than a breakdown of spending within those categories.
19. Free Printable Budget Worksheet from My Frugal Home
Here’s a comprehensive monthly budget worksheet that thoroughly breaks down virtually every possible expense in each budget category. I’m amazed at all of the information contained in this single page printable!
20. Free Budget Worksheet from Budgets Made Easy
The easy monthly budget pdf below is left blank so you can customize it with your personal budget categories and totals. I like that there is a dedicated space to track sinking funds because irregular expenses have a way of sneaking up on us and ruining our budgets!
Budgeting Apps And Spreadsheets
Take your budget everywhere you go with a budgeting app or spreadsheet. You can even use a combination of free printable budget templates along with one of the budgeting tools listed below. When it comes to budgeting, you can never be too thorough!
Microsoft Office budget templates
Does Excel have a budget template? Yes, yes they do. In fact, Excel offers a bunch of free and paid budget template spreadsheets for you to plug in your numbers and see your finances at a glance.
These templates are free with a Microsoft 365 subscription, and for a fee without the subscription.
Google Sheets budget templates
Google Sheets also offers a simple budget template which gives you a snapshot of your finances. In addition, a quick Google search of ‘Google budget sheet templates’ will yield tons of custom-made templates for you to choose from.
Tiller Money ($6.58 month)
Tiller Money combines the automation of an app with the flexibility and control of a spreadsheet.
How it works: Tiller automatically links your financial accounts to Google Sheets or Microsoft Excel so you can stay up-to-date on your personal budget.
Personal Capital is not exactly a budget app, it’s more of a net worth tracker with a budgeting component built-in. If you have multiple investments and savings accounts to stay on top of, you NEED Personal Capital!
Mint is a free app that helps you plan ahead for larger purchases as well as keep track of monthly expenses. The Mint app offers lots of free charts and graphs so you can easily compare expenses from one month to the next.
Everydollar is a free budgeting app by Dave Ramsey which utilizes the zero-based budgeting method. It’s an easy-to-use basic app that works much like the paper budget templates in this post, but in digital format.
YNAB ($11.99 month)
You Need A Budget (YNAB for short) is an app that helps you gain control of your money. You can try it free for 34 days.
How it works: YNAB compiles your financial data into one easy-to-use format which you can access anytime across any device (it even works with Alexa). The app encourages you to set financial goals then motivates you to achieve those goals. If you’re a visual learner (like me), you’ll enjoy all of the eye-catching charts, graphs, and progress bars.
I hope these free printable budget templates are helpful to you!