15 Free Printable Budget Templates To Help You Manage Your Money in 2022

Create a budget to stay on top of your finances. This will help you know how much you are spending and how much you are saving. With these printable templates, you will always be on top of the latest budget trends.

Regardless of the budgeting method you choose, it’s crucial that you have a spreadsheet with your different income sources and expenses allocated accordingly. A zero-based or 50-30-20 could work well for you.

Don’t be the one who lives paycheck to paycheck like 78% of the US workers do. Break the cycle and start to manage your finances today!

Managing your finances is hard. There’s a lot of information out there and it can be overwhelming to figure out where to start and how to create a plan that works for your situation.

How To Choose The Right Budget Template for You

There is no one right way to do budgeting. This means that when it comes to choosing the right budget template, the decision is entirely up to you! With the right budget template, you can see all your monthly expenses at a glance, so you will easily find which areas of your budget might need some adjustments.

The right budget template will provide space to record the goals of your income and savings along with the main budget categories such as housing, food, and transportation expenses.

The most important thing to consider when choosing the right budget template is to see if it is a match for your personality. That being said, if you feel like you don’t really like spreadsheets, you don’t have to use this method to track your budget.

How to Use A Budget Template

But honestly, do you really need a budget? Is it really important to have a budget? The answer is yes. People who have some experiences managing their finances will say, yes you do need a budget. Creating a budget and living on it can get rid of most if not all your financial problems.

Having a budget is the first step for you to building your wealth, get out of debt, and stop living paycheck to paycheck. Before you choose the right budget template for you, you will need to learn and understand the basics of making a budget.

Here are the three easy steps to creating a budget:

  1. Sum up your income for the month.
  2. Sum up your bills and expenses in a month.
  3. Subtract your bills and expenses from your income.

If there’s a surplus, that’s great! If not, you should look for some expenses you can cut (for example your grocery expenses, it is usually the best way to start cutting down expenses), or you can try to increase your income by having a side job.

After that, you need to fill out the budget template you choose with your personal budget numbers in relevant categories. Make sure you track all your income and expenses to make sure you don’t miss anything.

Now here are the 15 free printable budget templates:

1. College Life Made Easy: A Simple Budget Template For College Students

This is something you don’t see too often! A budget template for college students! On this site, you can find a blank version as well as the filled version of budget templates that can be downloaded for free!

2. Free Printable Budget Sheet from Printable Crush

A pretty printable budget for free! On this site, you will find colorful budgets including places to record expenses and savings, and even your meal plan and grocery list.

3. Free Budget Binder from Thirty Handmade Days

This set of printable budget sheets includes more than 10 budget templates for a binder, including weekly and monthly ledgers, debts and savings information, meal plan, and many more.

4. Simple Monthly Budget Worksheet from Gathering Dreams

A free simple monthly budget that you can open a Google Sheets or download as a printable pdf file. This budget template is for you if you love simple designs and are into excels. 

5. Free Budget Binder Printables from Money Minded Mom

A set of budget printables with a cute pastel design that consists of a monthly budget, net worth, bill payment calendar, emergency savings tracker, and many more. Don’t forget about the 2-page budget template that can be useful for many budget planning methods.

6. Free Printable Budget Planner from Blooming Homestead

A set of pretty and functional free budget binder printables to help you manage your finances. The printables are available in three different styles, and include a month at a glance, saving ledger, weekly and monthly ledgers, and many more.

7. Blank Budget Template Printable from Mom Managing Chaos

This is an easy-to-use budget template printable to track your savings, incomes, and debt payments. There are also areas for retirement savings, short and long-term goals, etc.

8. Free Zero-Based Budget Template from Moritz Fine Designs

This is a budget template that uses a zero budget system. The goal of this budget system is to end the budget with a zero balance. So if you use a zero-based budget system, this template was created for you. The template starts with fixed expenses, and then debt payment, followed by wants.

9. Family Budget Worksheet from A Mom’s Take

The budget template printables include a place for long-term expenses. Placing these long-term expenses will make sure you’re ready for these kinds of expenses before they occur. Furthermore, this template will also prepare you for irregular and unexpected expenses in the future.

10. Family Binder Budget Printables from Clean and Scentsible

This is a set of simple and clean binder budget printables that includes a budget overview, a budget at a glance, as well as a monthly budget tracker. Feel free to choose whichever one you prefer, or all three at the same time.

11. Free Printable Budget Templates from Bobbi Printables

If you love simplicity and cleanliness, this budget template is just right for you. The templates come in three color options, including no color option. Then, you can use areas in the template for variable and fixed expenses, income, and savings.

12. Monthly Budget Printables from Scattered Squirrel

There are a lot of free family budget template printables on this site. You can find a set of simple templates to help with your family finances.

13. Free Printable Budget Worksheet from My Frugal Home

A set of budget template printables with a beautiful and colorful design. The template breaks down expenses into many possible categories, making it easier for you to record all your expenses. If you want a template that can store a lot of information in a single page, you should try this one.

14. Simple Budget Template from A Cultivated Nest

This budget template will make your budgeting simple. This template features an overall view of your expenses rather than the breakdown of the expenses categories. the template is simply efficient for people who don’t want to be flooded with unnecessary information.

15. Free Budget Worksheet from Budgets Made Easy

On this site, you can download a set of budget template printables for free. You can customize the templates with your personal budget categories since pretty much everything is made blank. There are also places to track irregular expenses that can ruin your budget!

Budgeting Apps And Spreadsheets

You can do budgeting anywhere on your gadget with a budgeting app or spreadsheet. You can also use it in combination with a free printable budget template, along with one of the following budgeting tools. Remember that it’s never too thorough when it comes to budgeting!

Google Sheets budget templates

Google Sheets also provide a simple budget template that gives you a glance at your financial overview. In addition, you can quickly search for “Google Budget Sheet Templates” on Google to choose from many custom templates.

Microsoft Office Budget Templates

Yes, excel does have a budget template. In fact, Excel comes with a variety of free and paid budget template spreadsheets that you can plug in numbers to see your financial status in an instant. These templates are free with a Microsoft 365 subscription and are paid without a  subscription.  

Personal Capital

Although not exactly a budget app, Personal Capital is a wealth tracker with a built-in budget component that has a budgeting component. If you have multiple investment and savings accounts to track, you might need Personal Capital. 

Tiller Money ($6.58 month)

Tiller Money combines app automation with spreadsheet flexibility and control.  It works by automatically linking your financial account to Google Sheets or Microsoft Excel so you can track your personal budget. 

Mint App

Mint app is free and it helps you plan your major purchases in advance and track your monthly costs. This app offers many free charts and graphs, so you can easily compare your spending each month.

You Need A Budget (YNAB)

You Need A Budget (YNAB) is an app that helps you manage your finances. With YNAB, you can try the 34 days free trial for a start. How it works: YNAB compiles financial data in an easy-to-use format that can be accessed from any device at any time. You can also use this app alongside Alexa for easy access.

This app helps you at setting up financial goals and motivates you to achieve them. If you are a visual learner, you can enjoy all the eye-catching charts, graphs, and progress bars. 

Everydollar

Everydollar is a free budgeting app by Dave Ramsey that uses a zero-based budgeting method. This is a basic and easy-to-use app that works like the paper budget templates listed earlier in this post but in digital format.

Conclusion

Creating and managing a budget shouldn’t be difficult at all. Everyone should learn how to do it at some point in their lives. Fortunately, these budgeting templates and apps are available for anyone who needs at them, and a lot of them are available for free.

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