Whether you are planning to save for your own home or you just want to have a better overview of your finances, budgeting is important.
Creating a budget means you will have to track all your expenses as well as your income. There are many different ways of budgeting, from a zero-based budget to a 50/30/20 budget.
If you are not sure where to start with budgeting, then you can use one of the following free printable budget templates below.
These handy templates will help you getting an overview of your finances, so that you can start saving for your dream home, retirement or more.
How To Choose The Budget Template That’s Right For You?
Before we take a look at our list of templates, it’s a good idea to find out how you choose the right budget template for you.
When you are looking at your finances, there is no specific formula that you can follow as your financial situation is individual to you, and it depends on your lifestyle and living situation.
This means that finding the best budget template is up to your personal preference, and what works best for you and your financial situation.
A good budget template will give you an overview of all your monthly expenses. This will then help you to identify anything in your finances that you may want to change.
The best budget sheet will also provide plenty of space for you to record any savings, savings goals and your income.
Ideally, you should also be able to place any spending into categories, such as transportation, housing and food.
While these are the basic parts that a budget worksheet should include, the most important is that it adapts to your personality.
For example, if you don’t like spreadsheets, then tracking your budget in a spreadsheet is not a good idea. Find a format that works for you.
How To Use A Budget Template?
Tracking your finances can help you to create greater financial freedom by checking where you can adjust your budget and possibly pay off any debt and save up some money.
Before you get started with your budget template, it’s a good idea to take a look at how a budget template generally works, and how you can use it for your budget (Find you What Is A Flexible Budget here).
It isn’t very difficult to use a budget template. All you have to do is record your monthly income and your monthly expenses (including utility bills, food, entertainment etc.).
Then, you will have to subtract your expenses from your income. If the number you get is not a minus, then that is good news as you have some spare cash to use elsewhere.
If your bottom line is not positive, then you can review what expenses you can cut back on. Many people start cutting down on their grocery budget first.
Alternatively, if you cannot cut down on any of your expenses, you can also look at increasing your income with a side hustle.
When filling in your budget sheet, you need to record the numbers as precisely as possible to get the best results.
With all this in time, it’s time to take a look at the best budget templates!
Free And Easy Budget Templates (Savvy Budget Boss)
This easy-to-use budget template is not just simple but functional. It comes in two versions: pre-filled or blank.
This means that you can even add your own budget categories in the blank budget template.
This brings us to another big advantage of this budget template. It is fully editable, so you can just add your figures in and save it on your computer.
Alternatively, you can also print it and fill it in by hand.
Handy Budget Printable Sheet (Printable Crush)
While you cannot edit this budget PDF, it gives you plenty of space to record your savings. It also has a number of different budget categories.
Quick Budget Sheet For Students (College Life Made Easy)
Students always struggling with money, so here is a handy budget sheet specifically designed for college students.
You can choose between a blank version or a prefilled template.
Monthly Budget Sheet (Gathering Dreams)
What makes this budget worksheet so good is its simplicity. The design is very easy to use. You can even choose to open this template in Google Sheets as a spreadsheet or you can download it as a PDF.
Simple Budget Template (Mom Managing Chaos)
With this budget sheet, you can easily track your income, debt repayments and savings. All expenses are broken down into fixed, discretionary and variable categories.
Printable Budget Binder (Thirty Handmade Days)
Here is a set of budget printables that includes a range of templates, including a debt tracker, meal planner as well as a monthly budget template.
Free Budget Binder (Money Minded Mom)
Another set of handy budget templates, these beautifully designed budget sheets include a net worth sheet, savings tracker, a bill payment calendar and a large budget template.
Budget Planner Printables (Blooming Homestead)
This simple budget planner PDF is not just pretty but it allows you to manage your money in an easy way.
You can choose between three different styles, including an expense tracker, savings tracker and a monthly budget overview.
Easy Zero-Based Budget Template (Moritz Fine Designs)
The zero-based budget method is a popular way of budgeting. This handy template works with this budget system.
The template records any fixed expenses, then any debt repayments and any financial goals you set yourself. The thought is that there should be a zero balance in the end.
Simple Monthly Budget Template (The Savvy Couple)
A customizable budget template is always practical because you can adjust it to your living situation.
With this template, you can categorize your spending into variable or fixed expenses.
Family Budget Planner (A Mom’s Take)
The biggest benefit of this colorful budget template is that it allows you to also track long-term expenses that do not fit into your regular budget.
This means you can factor in any budget before they happen.
Budget Binder Printables (Living Low Key)
Another large collection of budget templates, this set of printables comes with blank monthly budget templates, a bill checklist, a spending log, a due date calendar and a cash envelope template.
Family Binder Budget Printables from Clean and Scentsible
This practical budget sheet comes with an entire set of printable templates, including a budget overview, a budget at a glance, and a monthly budget tracker.
You can use either all three or just the one that suits you.
Free Printable Budget Templates (Bobbi Printables)
The simple design makes this budget template very easy to use. There are three different colors with areas, such as savings, fixed and variable expenses and income.
Budget Template (Microsoft)
If you are a budget beginner, then this template is for you. There are a number of basic budget categories that make sure you can record your spending quick and easy.
Monthly Budget Printables (Scattered Squirrel)
There are a lot of easy home management tools on this website but this particular blank budget template allows you to keep track of your family budget for the year.
Free Family Budget Printable (A Spectacled Owl)
A colorful family budgeting planner, this printable PDF makes recording your expenses and financial goals easy.
Simple Budget Template (A Cultivated Nest)
This template is ideal if you want to get an overview of your budget, with some essential spending categories.
Free Printable Budget Worksheet (My Frugal Home)
There is no fuss to this comprehensive monthly budget planner. You can break down all your expenses into a category, and keep everything on a single sheet.
Free Budget Worksheet (Budgets Made Easy)
This easy worksheet for your budget is intentionally left blank, so you can customize it in almost every possible way with your totals and categories.
Budgeting Spreadsheets And Budgeting Apps
We already mentioned Microsoft sheets above, that provides you with an easy way to record your finances but there are plenty of other handy budgeting apps and spreadsheets.
Here are a few more budgeting tools that you do not need to print out.
Google Sheets Budget Templates
Google offers a variety of options to keep track of your budget, but the easiest way is probably with Google Sheets which provides a simple budget template.
This will give you an overview of your finances, and if you are looking for customized inspiration, then just look out for some custom-made templates with a Google search.
While you will need to pay for some of the other apps mentioned here, Mint is free. It allows you to track your budget and also plan ahead for any larger purchases, such as buying a house.
It comes with a variety of free graphs and charts that make your expenses much easier to compare.
This handy app combines the flexibility of a spreadsheet with the accessibility of an app. Tiller Money connects your accounts to Microsoft Excel or Google Sheets.
This helps you keep track of your personal budget every day.
Supported by Dave Ramsey, Everydollar is a free budgeting app that uses the zero-based budgeting system.
It works in a very similar way to any paper template, just that this allows you to add all your figures and goals in digital form.
Although this isn’t your average budget app, Personal Capital is a net worth tracker which incorporates a handy budgeting option.
If you have several savings and investments accounts, then you can get a quick overview with this app.
This paid app helps to get control back over your spending, and although you will need to pay for it, there is typically a free trial offer that allows you to test the app for a while.
You Need A Budget (YNAB for short) collects your financial data in one simple format with colorful progress bars, charts and graphs. You can then access this data on any device.
The app also allows you to create financial goals and it encourages you to save.
Managing your money is definitely made much easier with a budget template. Whether you prefer to record your finances on paper or in a digital tool, there are plenty of budget options out there.