Free printable monthly budget worksheet

This free printable budget worksheet is a one-page monthly budget for people making their first real one. You write your take-home pay at the top and give every dollar a job until nothing is left unassigned. No app, no formulas, just a pen and last month’s statements.

What is on the page

• Month and take-home pay at the top, so each sheet is one month.
• Needs: rent or mortgage, utilities, groceries, transportation, insurance, phone and debt minimums.
• Save and pay down: emergency fund, extra toward debt and sinking funds for things you know are coming.
• Fun: fun money, eating out and subscriptions.
• Budget and Actual columns for every line, and a “Left over” line that should read $0 when the plan is done.

How to use it

1. Write your take-home pay, the money that actually lands in your account, not your salary.
2. Fill in needs first, using real numbers from last month’s statements.
3. Decide what goes to saving and paying down debt before you plan any fun money. Even $25 counts.
4. Split what is left across the fun lines until “Left over” reads $0.
5. At the end of the month, fill in the Actual column and adjust next month’s plan.

Your first budget will be wrong, and that is fine

Almost nobody gets a budget right the first month. Groceries run over, a bill you forgot shows up, a birthday happens. The worksheet is not a test you pass or fail; it is a record that gets more accurate every time you fill it in. By month three most people have numbers they trust. Print a few copies and keep last month’s sheet next to this month’s so you can compare.

If you are not sure what counts as a need, the needs vs wants guide gives you a simple test for each line.