Free tool
Monthly Budget Template
Fill in spending buckets to give every unit of income a job. Add or remove categories, then see how your plan compares to the 50/30/20 needs/wants/savings guideline.
Your numbers
Updates instantly as you type. Nothing leaves your browser.
Total expenses
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Results
Your personalized analysis
Total expenses
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Leftover
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50/30/20 savings gap
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Guideline fit
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Key insights
Derived from your inputs, updates as you edit.
Visual breakdown
Allocation and comparisons at a glance.
Next steps
- Enter your numbers to see personalized advice.
A monthly budget template gives you a ready-made worksheet for organizing income and expenses. This free template uses common categories (housing, food, transport, and other costs) so you can build a zero-based budget without starting from a blank spreadsheet.
Fill in your monthly income, then assign amounts to each category until every dollar has a job. The template compares your plan to the 50/30/20 guideline for needs, wants, and savings, so you can see whether your split is close to the target or needs adjustment.
Export your completed budget as CSV for Excel or Google Sheets, or print a PDF summary for your records. Pair this monthly budget template with our budget planner when you want to split fixed versus variable costs, or read our guide on creating a monthly budget for a full walkthrough.
Frequently asked questions
What categories are in the monthly budget template?
Housing, food and groceries, transportation, and a catch-all other expenses bucket, plus income and leftover.
Is this better than a spreadsheet?
It is faster for a first pass. Use it to see category totals, then export numbers to a spreadsheet if you want historical tracking.
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