Free Budget Worksheets

These printable free budget worksheets will help you determine where your money is coming from and where it is going. While it may take a little time to fill out, but once you get it down on paper, you will be able to see where you can cut back. It sometimes helps to have your old check registers, as well as last years state and federal income tax returns on hand to help you fill out some of the sections.

Getting all your information together in one place makes keeping track of future income and expenses a lot easier. For an on-going way to keep track of your budget, you might consider using something like Quicken or Mvelopes.

Income Worksheet

Monthly Gross Income		Total For Section
Salary and wages Bonuses and Fringe Benefits Child Support Alimony Social Security Retirement Income Disability Payments Unemployment Worker’s Comp AFDC Dividends Interest Income Business Income Rental Income Other income	$__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________
Total Gross Income	$__________ (copy this number to the right)	$__________
Deductions From Income Taxes Health Ins. Other Deductions Savings 401K	$__________ $__________ $__________ $__________ $__________
Total Deductions	$__________ (copy this number to the right)	$__________
Total Gross Income (minus) Total Deductions	$__________ - $__________
Monthly Available Income	= $__________ (copy this number to the right)	$__________

Expense Worksheet

When filling out this free budget worksheet, if an expense is incurred less often than monthly, convert it to a monthly amount when calculating the monthly budget amount. For example, if an item occurs only once a year, divide the amount by twelve to get the monthly amount. Just be sure to allocate money from your income to cover that expense when it happens.

Housing Expense		Total For Section
Mortgage Home Insurance Property Taxes Repairs Rent Renters Insurance Lawn Care & Services	$__________ $__________ $__________ $__________ $__________ $__________ $__________
Total Housing Expenses	$__________ (copy this number to the right)	$________ Housing
Utilities
Gas Electric Phone Cable Water Trash Sewer Internet Cell Phone Storage Fees	$__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________
Total Utilities	$__________ (copy this number to the right)	$__________ Utilities
Children
School Tuition School Lunches School Supplies Tutoring Team Fees School Photos Allowances Camps Recreation Sports Fees Babysitting Daycare Diapers Formula Child Support	$__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________
Total Child Expense	$__________ (copy this number to the right)	$________ Children
Financial
Bank Fees Check Printing Fees Safety Deposit Fees Spending Cash Bank Loan #1 Bank Loan #2 Student Loans Auto Loans Credit Card #1 Credit Card #2 Credit Card #3 Credit Card #4 Other	$__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________
Total Financial Expenses	$__________ (copy this number to the right)	$________ Financial
Transportation
License Renewal Gasoline Auto Insurance Tires Maintenance/Oil Changes Tolls Taxi Bus Fare	$__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________
Total Transportation	$__________ (copy this number to the right)	$____ Transportation
Health
Doctor Dental Eye Care Annual Physical Prescriptions Glasses Health Insurance Life Insurance	$__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________
Total Health Expenses	$__________ (copy this number to the right)	$__________ Health
Household /Pets
Groceries Cleaning Goods Office Supply Pet Care Pet Boarding Vaccinations Supplies	$__________ $__________ $__________ $__________ $__________ $__________ $__________
Total House Expenses	$__________ (copy this number to the right)	$_______ Household
Gifts
Holidays Birthdays Weddings Graduations General Cards Christmas Cards Wrapping Supplies Shipping	$__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________
Total Gift Expenses	$__________ (copy this number to the right)	$_________ Gifts
Personal
Eating Out Clothing Haircuts Nails Salon Magazines Newspaper Charities Club Dues Entertainment Movies Hobbies Magazines Newspapers Dues/memberships Other	$__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________ $__________
Total Personal Expenses	$__________ (copy this number to the right)	$________ Personal

Calculating Total Expenses on your free budget worksheet

Total Monthly Expenses

Housing
Utilities
Children
Financial
Transportation
Health
Household
Gifts
Personal

$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________

Total Monthly Expenses

$__________
(copy this number to the right)

$__________

Where You Stand

To find out where you stand, subtract your total monthly expenses from your total monthly available income. If you come up with a negative number, you will need to work on cutting back on expenses. In addition to the free budget worksheets above, the following articles can help you get your budget in line:

Personal Budgeting
Tips on Budgeting Your Paycheck
Ways to Save Money
Financial Survival
More Strategies To Save Money

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