Budget Planner Free Monthly Budget Calculator You Can Print

About this tool

This free budget planner turns your income and expenses into a monthly budget in a few minutes. Common categories like rent, groceries, fuel, bills and savings are ready for you, totals add up as you type, and you can add your own rows and columns. Print it, save it as a PDF or download an Excel sheet with real formulas. No sign-up.

Quick answer: Name your budget, pick your currency and columns, tick your categories and press Make my budget sheet. Type your amounts and the totals, left over and savings rate update straight away. Use + Add row under any category for your own items, then print it, save it as a PDF or download an Excel sheet. To update it next month, save it with Copy budget or the Excel sheet and paste it back into the box at the top of the tool.

How to use the budget planner

1. Step 1: name and currency. Give your budget a name (the current month is filled in) and pick US dollar, Indian rupee, British pound, euro, Canadian or Australian dollar, or type your own symbol.
2. Step 2: columns. One amount per item is the simplest monthly budget. Planned vs actual adds a Difference column that shows where you went over (red) or stayed under (green). Week by week and Month by month give you 4 weeks or 12 months side by side with a Total column on the right.
3. Step 3: categories. Income, home, food, transport, health, personal, subscriptions, savings, fun and other are ticked for you. Add family and kids or loans and cards if you need them.
4. Step 4: make the sheet. Press Make my budget sheet.
5. Step 5: type your amounts. Every category has its own total, and the bottom rows show total income, spending, savings and what is left over. Rename any item, press + Add row for your own, + Add column for another week or month, or + Add a category. The red × removes a row.
6. Step 6: print or download. Choose With my amounts or Blank sheet to fill in by hand, then print it, save it as a PDF, download an Excel sheet or copy it as text.

Free monthly budget template: PDF, Excel or Google Sheets

• Printable budget sheet (PDF): press Print or save as PDF and choose Save as PDF. Pick Blank sheet for a budget planner printable with your categories and spare lines to fill in with a pen.
• Excel budget template: the downloaded sheet uses real formulas, so every category total, the left over and the savings rate update when you change a number. Each category has spare rows for new items.
• Google Sheets budget template: upload the Excel file to Google Drive and open it with Google Sheets. The formulas keep working there and in Numbers.

Budget categories to include

• Income: salary or wages, side income, business income, interest and dividends, rent received.
• Needs: rent or mortgage, electricity, water, gas, internet, phone, groceries, fuel and transport, insurance, medicines.
• Wants: eating out, food delivery, streaming and apps, clothes, entertainment, holidays, hobbies.
• Savings and debt: emergency fund, retirement, mutual funds or index funds, deposits, credit card bills and loan payments.

A common starting point is the 50/30/20 rule: about half of your take-home pay for needs, 30% for wants and 20% for savings and paying off debt. The Where your money goes bars under the sheet show each category as a share of your income, so you can compare.

FAQ

Is the budget planner free?

Yes. It is free, with no sign-up and no limit on how many budgets you make.

Do you see my income or spending?

No. The budget is made in your browser and nothing you type is sent to or stored by QuickOnlineTips. Nothing is uploaded.

How is left over worked out?

Left over = total income − total spending − total savings. The savings rate is savings ÷ income × 100. These are simple sums of the amounts you type: an estimate for planning, not financial advice.

How does planned vs actual work?

Type what you plan to spend in Planned, then what you really spent in Actual. Difference is shown only for rows with an Actual amount: for spending it is planned minus actual (green means under budget), for income and savings it is actual minus planned. The summary cards use Actual where you typed it and Planned for the rest.

How do I update my budget next month?

Press Copy budget and keep the text in your notes app, or keep the Excel sheet. Next month, open Coming back to update a budget? Paste it here at the top of the tool, paste the text or all the cells from your sheet and press Load my budget. Your layout, categories, items and amounts come back. The pasted text is only read as plain words in your browser.

Can I make a yearly or weekly budget?

Yes. Choose Month by month for a 12-month yearly budget or Week by week for a weekly budget. The Total column on the right adds up each row.

Planning bigger money decisions too? Try the salary calculator, the loan calculator or the compound interest calculator.