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Free budgeting worksheet

Monthly Budget Planner

Create a monthly spending plan, track actual expenses and print a clear summary of your budget.

Planned income$5,000
Planned expenses$4,870
Planned remaining$130
Actual remaining$3,500
Monthly budget

July 2026

PlannedActualDifference

Income

Monthly take-home income and other cash inflows.

$0
$0
Income total$5,000$5,000

Housing and utilities

Essential home and household expenses.

$0
$180
$60
$130
Housing and utilities total$1,870$1,500

Living expenses

Food, transportation and everyday essentials.

$600
$450
$300
$0
Living expenses total$1,350$0

Financial goals

Savings, investing and debt repayment.

$300
$200
$300
$150
Financial goals total$950$0

Lifestyle and discretionary

Flexible spending that can be adjusted if needed.

$250
$150
$200
$100
Lifestyle and discretionary total$700$0

How to use this budget planner

  1. Enter your expected monthly income and planned expenses.
  2. Update the actual column as expenses occur throughout the month.
  3. Review the difference between planned and actual spending.
  4. Adjust next month's plan based on what you learned.