A Budget Planning Worksheet for Free Worksheet

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The free Budget Planner Worksheet
Add your expenses and income to this monthly budget template, and we'll demonstrate how your spending is aligned with the 50/30/20 rule.
The article was written by Lauren Schwahn Lead Writer | Personal finances, credit card debt Lauren Schwahn is a writer at NerdWallet who covers budgeting, debt and savings strategies. She is a contributor to the "Millennial Money" column in The Associated Press. The work she has contributed to was featured by USA Today, MarketWatch and other publications. Lauren has a bachelor's degree in history from The University of California, Santa Cruz. She is based within San Francisco.





7 Feb 2023


Edited by Rick VanderKnyff Senior Assigning Editor | Los Angeles Times; University of California, San Diego; Microsoft Rick VanderKnyff leads NerdWallet's efforts to promote news, and also manages the team that is responsible for expanding NerdWallet content to cover additional subjects within personal finance.

In the past, he worked as a channel supervisor at MSN.com and also as a web administrator at University of California San Diego and as an editor of copy and staff writer for The Los Angeles Times. He holds a Bachelor of Arts in communications and a master of Arts in anthropology.







The majority or all of the items featured on this page are provided by our partners, who pay us. This impacts the types of products we review as well as the place and way the product is featured on a page. However, this does not affect our opinions. Our opinions are entirely our own. Here is a list of and .



What is a budget-planning?
Budget planners are a piece of software, such as an worksheet or template which you can use to create your budget. A well-designed budget planner can help you decide how to best spend your money, while also eliminating or reducing debt. NerdWallet recommends the suggests that half of your earnings is used for needs, while 30 percent to wants and 20% toward savings and the repayment of debt.
Before you create a budget, it is important to establish a plan.
NerdWallet breaks down your expenditure and provides ways to cut costs.










Develop a budgeting plan that works for you
The most effective budget planner is one that you can stick with and you should adjust your strategy when you need to. For example the 50/30/20 breakdown is an option to help get started. If you need to until you get to the budget you want to achieve.
And if a hands-on monthly budget template isn't working for you, consider one of these . They're all synced with your financial accounts, which means they could be useful for you.
If you can't create your dream budget into a real-life reality, or you're trying to keep a check in your budget, this might not be enough for you. Consider alternatives, like getting expert advice on finances or resources that can .
Monthly budget worksheet
Use the free budget worksheet below to find out how your spending fares against the 50/30/20 budget guidelines.
If this budget worksheet isn't for you Try a different tool. Try other budget sheets , or download a budget application. If you want a simplified overview check out our .
If you're interested in other financial issues look up more information from NerdWallet.
Do you want nerdy advice that's tailored to your needs? Put all your money in one account, and receive tailored insights to get the most value from it.






Author bios: Lauren Schwahn covers consumer credit and debt at NerdWallet. Her work has been featured on USA Today and The Associated Press.







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