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Again, the “DIFFERENCE” column will automatically populate. Go through each category and fill out the “ESTIMATED” and “ACTUAL” sections. This tab is just to the right of the “Income Input” tab, and clicking it should bring up a list of expense categories including bills, transportation, entertainment, child-raising expenses, and more. Next, you’ll need to click on the “Expense Input” tab at the bottom of the sheet. Filling these columns out will automatically complete the “DIFFERENCE” column and show you your total income. You’ll need to fill out both the “ESTIMATED” and “ACTUAL” columns. This includes various income sources such as your regular paycheck, earnings from investments, bonuses, and more.

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Here you’ll see the full list of income categories. Start by clicking on the “Income Input” tab at the bottom of the spreadsheet.

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To start, you’ll need to click the “Download” button to download our simple monthly budget template, then open it with Microsoft Excel or Google Sheets.

Our simple budget template uses categories for your income and expenses, which you can use to track how much money is coming in and going out each month. Get Started Today Budgeting Using a Simple Budget Template

HOME BUDGET PRINTABLE HOW TO

The Mint Mobile app: Learn how to automate the budget set up process you’d complete with the templates in the app instead.

HOME BUDGET PRINTABLE PLUS

A Detailed Budget Template: Learn how to use this template that uses the same categories as the Mint app, plus all the details.

A Simple Budget Template: Learn how to use this template that uses the same categories as the Mint app without going into detail.

There are three core budgeting methods we’ll review in the post: The categories used within the budgeting templates match those you’ll find in the Mint app, so it’s easy to transition over if and when you’re ready to automate your budget. If you’re a fan of automation, you can also set up the exact same budget and automatically track your finances over time using the Mint app. In this post, we’ll walk you through how to utilize both the simple and detailed budgeting templates. Our printable has room to track those things too! If those goals are built into our budget (and bonus– automated transfers from our bank account), we will be able to pay down our debt and build up our savings much faster.Looking for a budgeting template to take control of your finances?

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Step 4- Set goals for saving and paying down debt on the free printable budget worksheets.Īlong with paying our bills and managing our variable expenses, we’ll often want to put money each month toward paying down debt more aggressively or making progress toward big savings goals like a vacation fund, holiday fund, retirement, college savings, and more. We will only feel defeated if we set our numbers so low that we can’t possibly reach them and find ourselves overspending each month. It’s important to be realistic when setting budgeting goals for our variable expenses categories. You can grab our cash envelopes or variable expense tracking sheets in our free printable Budget Binder to help with that. It may be helpful to keep a record of our variable expenses throughout the month to make sure we’re staying within our budgeted amount.

To get an idea of how much we should budget for each of these categories, again, we can look at past bank statements.

Variable expenses can get a little trickier because they can fluctuate quite a bit. Recurring expenses are pretty straightforward because they are mostly the same every month. To figure out how much to budget for each item, look at your past bank statements to get an idea of how much you’ll owe.

Utilities (gas, water, electric, sewer, etc.)Īnything that has the same general payment each month can go in the recurring category.

Some of the items in the recurring expenses section may be: Recurring expenses are our bills, payments that are generally the same every month. But if you happen to have a great month and net $1000 from your side hustle instead, you would write that in the “Actual” column and note the difference of +$500. So let’s say you have a side hustle that generally nets $500 per month. In the income section, as well as the other sections of this worksheet, there is a spot to write the budgeted amount as well as the actual amount.

Home budget printable