Free Budget Worksheets to Help Track Your Money

By Tracy Achen, Divorce Transition Coach

These printable free budget worksheets can help you determine where your money is coming from and where it is going. While it may take a little time to fill out, once you get everything down on paper, you will be able to see where you can cut back if you have more expenses than available income.

Getting all your information together in one place will make inputting your income and expenses information a lot easier. It helps to have your previous credit card and bank statements, as well as last year's state and federal income tax returns on hand to help you fill out some of the sections. Also, be sure to have your paycheck information and any other income documents handy.

You can either print this page directly or download the free printable budget worksheet pdf to start organizing your finances. Then you can keep everything in a handy binder to reference later and track your progress on a monthly basis.

Income Worksheet

Monthly Gross Income:

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

$__________

Deductions From Income:
Taxes
Health Ins. 
Other Deductions
Savings
401K


$__________
 $__________
$__________
$__________
$__________

Total Deductions

$__________

Total Gross Income
(minus) Total Deductions

 $__________  
-$__________

Monthly Net Income 

= $__________
(copy this number to bottom of worksheet)

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
Mortgage
Home Insurance  
Property Taxes
Repairs
Rent
Renters Insurance
Lawn Care & Services


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

Total Housing Expenses

$__________
(copy this number to bottom of worksheet)

Utilities
Gas
Electric
Phone
Cable
Water Trash
Sewer
Internet
Cell Phone
Storage Fees


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

Total Utilities 

$__________
(copy this number to bottom of worksheet)

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 bottom of worksheet)

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 bottom of worksheet)

Transportation 
License Renewal
Gasoline
Auto Insurance
Tires
Maintenance/Oil Changes
Tolls
Taxi
Bus Fare


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

Total Transportation 

$__________
(copy this number to bottom of worksheet)

Health
Doctor
Dental
Eye Care
Annual Physical
Prescriptions
Glasses
Health Insurance
Life Insurance


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

Total Health Expenses 

$__________
(copy this number to bottom of worksheet)

Household /Pets
Groceries
Cleaning Goods
Office Supply
Pet Care
Pet Boarding
Vaccinations
Supplies


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

Total Household Expenses 

$__________
(copy this number to bottom of worksheet)

Gifts
Holidays
Birthdays
Weddings
Graduations
General Cards
Christmas Cards
Wrapping Supplies
Shipping


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

Total Gift Expenses 

$__________
(copy this number to bottom of worksheet)

Personal
Eating Out
Clothing
Haircuts
Nails
Salon
Charities
Club Dues
Entertainment
Movies
Hobbies
Magazines
Newspapers
Dues/memberships
Other


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

Total Personal Expenses 

$__________
(copy this number to bottom of worksheet)

Calculating Total Expenses on your free budget worksheet

Housing
Utilities
Children
 Financial
Transportation
Health
 Household
Gifts
Personal

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

Total Monthly Expenses

$__________

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.

Tracy Achen is the founder of the WomansDivorce website and the author of Divorce 101 and The Essential Divorce Planner. 


For an on-going way to keep track of your budget you might consider using something like Quicken or Mint. In addition to the free budget worksheets above, the following articles can help you get your budget in line: