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Budget Worksheet: Free Template to Help You Start Budgeting - NerdWallet Advertiser disclosure You're our first priority. Every time. We believe everyone should be able to make financial decisions with confidence. While we don't cover every company or financial product on the market, we work hard to share a wide range of offers and objective editorial perspectives. So how do we make money? Our partners compensate us for advertisements that appear on our site. This compensation helps us provide tools and services - like free credit score access and monitoring. With the exception of mortgage, home equity and other home-lending products or services, partner compensation is one of several factors that may affect which products we highlight and where they appear on our site. Other factors include your credit profile, product availability and proprietary website methodologies. However, these factors do not influence our editors' opinions or ratings , which are based on independent research and analysis. Our partners cannot pay us to guarantee favorable reviews. Here is a list of our partners . Free Budget Template: A Simple Tool to Help You Track Your Money Add your income and expenses to this monthly budget planner, and we'll show how your spending aligns with the 50/30/20 rule. Written by Lauren Schwahn Lauren Schwahn Senior Writer & Content Strategist 10 years of experience Expertise Personal finance debt credit scoring budgeting Lauren Schwahn is a writer at NerdWallet who covers credit scoring, debt, budgeting and money-saving strategies. She contributed to the "Millennial Money" column for The Associated Press and managed a team of writers producing content for the series. Her work has also been featured by USA Today, MSN, The Washington Post and more. Lauren has a bachelor’s degree in history from the University of California, Santa Cruz. She is based in San Francisco. Published in Co-written by Amanda Barroso Amanda Barroso Lead Writer & Content Strategist 4 years of experience Expertise Budgeting and saving Credit building Credit Scoring Amanda Barroso, Ph.D., is a writer and content strategist helping consumers navigate budgeting, credit building and credit scoring. Before joining NerdWallet, Amanda wrote about demographic trends at the Pew Research Center and earned a Ph.D. from The Ohio State University. Her work has been featured by the Associated Press, Washington Post and Yahoo Finance. Published in Edited by Pamela de la Fuente Pamela de la Fuente Managing Editor 23 years of experience Expertise Personal Finance Budgeting Taxes Retirement Underrepresented communities Pamela de la Fuente is a managing editor of NerdWallet's personal finance content. She leads budgeting, money-making, consumer credit and and debt coverage. Ask her and her talented team about why credit scores matter, how to save money on your grocery bill, finding the right side hustle, how to protect your identity for free and more. Previously, she led taxes and retirement coverage at NerdWallet. Pamela joined NerdWallet after working at companies including Hallmark Cards, Sprint Corp. and The Kansas City Star. She has been a writer and editor for more than 20 years. Pamela is a thought leader in content diversity, equity, inclusion and belonging, and finds ways to make every piece of content conversational and accessible to all. She is a graduate of the Maynard Institute's Maynard 200 program, and the National Association of Black Journalists Executive Leadership Academy. She is a two-time winner of the Kansas City Association of Black Journalists' President's Award. She was also founding co-chair of NerdWallet's Nerds of Color employee resource group. other Updated Feb 18, 2026 Fact Checked How is this page expert verified? NerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible. More on our editorial rigor SOME CARD INFO MAY BE OUTDATED This page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer. Creating a budget can feel overwhelming — until you have a simple tool that shows you exactly where your money should go. A good budget planner helps you understand your spending, cover your essentials and still make progress on savings or debt. NerdWallet’s budget worksheet uses the 50/30/20 rule to help you do just that. NerdWallet free budget template The choice is yours. Download our spreadsheet to create a budget, or complete our online budget planner quiz flow. Both options are free. Add your monthly income, expenses and any contributions to savings or debt repayment. We'll total up your needs, wants and savings and debt and compare it with the 50/30/20 breakdown so you can make adjustments if needed. Information to gather before you build your budget Before using the free budget spreadsheet, collect a few key pieces of financial information: ✅ T ake-home pay : Your monthly income after taxes. A recent pay stub will likely be the easiest place to find this information. ✅ Fixed expenses . Costs that stay the same each month, like rent, insurance, loan payments, child care and memberships. Check account statements to find recurring charges and their amounts. ✅ Variable costs. Costs that change month to month, including utilities like electricity and water, groceries, fuel costs, shopping, dining out, travel and entertainment. Look back at past transactions to estimate your spending in these categories. ✅ De bts, including interest. Include all debts and interest — credit cards, medical bills, student loans and more. Having these details ready will make creating your budget quicker and more accurate. » REGISTER: Track all your money in one place with NerdWallet Meet MoneyNerd, your weekly news decoder So much news. So little time. NerdWallet's new weekly newsletter makes sense of the headlines that affect your wallet. SUBSCRIBE FOR FREE Explore more on The Financial Glow Up Money News You Can Use Money Management Making Money Paying Your Bills Personal Finance Back to top About the authors Lauren Schwahn Lauren Schwahn is a writer at NerdWallet who covers credit scoring, debt, budgeting and money-saving strategies. She contributed to the "Millennial Money" column for The Associated Press and managed a team of writers producing content for the series. Her work has also been featured by USA Today, MSN, The Washington Post and more. Lauren has a bachelor’s degree in history from the University of California, Santa Cruz. She is based in San Francisco. Published in Amanda Barroso Amanda Barroso, Ph.D., is a writer and content strategist helping consumers navigate budgeting, credit building and credit scoring. Before joining NerdWallet, Amanda wrote about demographic trends at the Pew Research Center and earned a Ph.D. from The Ohio State University. Her work has been featured by the Associated Press, Washington Post and Yahoo Finance. Published in NerdWallet is committed to editorial integrity. ON THIS PAGE Back to top ↑ ON THIS PAGE ON THIS PAGE ╳ NerdWallet free budget template Information to gather before you build your budget Helpful Resources The Best Budget Apps for 2026 Free Budget Spreadsheets and Tools How to Budget Money in 5 Steps Related articles 50/30/20 Budget Calculator 2 By Amanda Barroso, Elizabeth Ayoola The Best Budget Apps for 2026 3 By Amanda Barroso, Lisa Mulka, Laura McMullen How to Choose the Right Budget System: 4 Methods to Consider By Lauren Schwahn Zero-Based Budgeting: What It Is And How It Works 2 By Lauren Schwahn, Elizabeth Ayoola Is the 60/30/10 Budget Right for You? 2 By Tiffany Curtis, Amanda Barroso What Is Cash Stuffing? How to Use the Envelope Budget System 2 By Lauren Schwahn, Elizabeth Ayoola Pay Yourself First: Reverse Budgeting Explained 2 By Lauren Schwahn, Amanda Barroso