If you’ve been trying to get a better handle on your finances but feel overwhelmed by spreadsheets and apps, this Simple Budget Worksheet is a great place to start. It’s straightforward, easy to use, and helps you see where your money is really going each month.
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Why start with a simple budget?
For years, I overcomplicated budgeting, with too many categories and tools. The truth is, all you need to begin is a clear picture of what’s coming in and what’s going out. That’s exactly what this worksheet helps you do.
You’ll track your income, regular expenses (like bills and groceries), and irregular ones (like car repairs or holiday shopping). There’s also a spot to record your savings goals so you can see your progress month to month.
Keeping things simple helps you actually stick with it. Once you start noticing where money tends to slip away, or how much small savings add up, you’ll feel more confident about managing your finances.
How to use the Simple Budget Worksheet
- Start with your income.
Write down your expected income at the beginning of the month and your actual income as it comes in. This gives you a snapshot of what you’re really working with. - List your regular expenses.
Add your usual bills: rent or mortgage, utilities, insurance, subscriptions, and groceries. Fill in both your budgeted and actual amounts to see where you’re staying on track (or overspending). - Include irregular expenses.
Think about anything that doesn’t happen every month: birthdays, car maintenance, school fees. Planning for these ahead of time can save you from financial surprises. - Track your savings goals.
Whether you’re building an emergency fund or saving for a trip, jot down how much you plan to save and what you actually manage to set aside. - Review your summary.
The bottom section totals everything and shows how much you have left after bills, spending, and savings. It’s a great motivator to see your leftover balance grow over time.
Pair this worksheet with my other personal finance printables
If you’re ready to take your money management a step further, try pairing this budget sheet with these free printables:
- Monthly Bill Tracker – Keep track of due dates and payments so you never miss a bill.
- Spending Tracker – See exactly where your money is going each day.
- Sinking Funds Tracker – Save for those bigger, irregular expenses with less stress.
Together, they make it easier to stay organized and build better financial habits without overcomplicating things.
Download the Simple Budget Worksheet
You can download and print your free Simple Budget Worksheet below. Use it as part of your monthly money routine to stay on top of your finances and reach your goals faster.
You should receive your file(s) link via e-mail within the hour. Be sure to check your spam or promotions folder if you cannot find the e-mail. If, after an hour, you have not received anything, contact me and I’ll help you figure out what happened. For personal use only. Please do not reproduce or redistribute without written permission. Classroom use is permitted.
Instructions on how to print and resize your printable to fit your own planner can be found here.
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