Free Budget Worksheets

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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 year's 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 will make 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 Mint.


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.

Total For Section

Housing Expense
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)


$_________ Trans.

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)

$__________

Is Your Budget Balanced?

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.

By Tracy Achen, author of Divorce 101

In addition to the free budget worksheets above, the following articles can help you get your budget in line: