Try an online budget tool. If pen and paper (or spreadsheets) aren’t your thing, it’s time to join the 21st century and use a budgeting tool like EveryDollar. You can focus on planning a budget and tracking your spending from the comfort of your smartphone! Explore online budget templates for a quick check of your finances. Estimate how to divide your monthly income using the 50/30/20 rule. Automate your budget with NerdWallet. The Pennsylvania CareerZone helps students, educators, jobseekers, and others access up-to-date information on wages, job openings, and other information specific to their state along with great information on careers, colleges, and more. Take charge of your finances with Mint’s online budget planner. Our free budget tracker helps you understand your spending for a brighter financial future. Budgyt is an easy to use, intuitive platform with a clean simple interface that makes budgeting multiple P&L’s easy to do without needing Excel. See how Budgyt can simplify your budgeting and what ever comes next. Sign up for an online demo or free trial now!
If you’re trying to get out of debt then you need to spend time creating a budget. To make keep track of a budget you should have a budget planner.
You might think that you can keep track of everything in your head, and maybe you can, but having a printable budget planner in front of you helps to greatly visualize where your money is going.
11 Free Budget Planners to Help Organize Your Finances
Each of these free budget planners will help you work on getting out of debt because you will not overspend on things when you don’t have the money.
The goal of a budget isn’t to limit the things you can do with your life but to ensure that you are able to do more things because you have an understanding of your money situation.
College Life Made Easy Budget Planner
This wonderful budget planner by College Life Made Easy works very well if you’re looking for a monthly budget planner.
Its focus is on showing you what bills are going towards your income along with keeping an eye on the financial goals that you have.
Printable Crush Budget Planner
When it comes to printables, Printable Crush always delivers and this time is no different.
This monthly budget planner is more compartmentalized than the one above so if you really want to dig down into the expenses going out the door then this is a good budget planning option for you.
Savor + Savvy Budget Planner
Sometimes you just need to keep things simple with your budget planner and in those cases, this free printable by Savor + Savvy does the deed.
It’s more about keeping track of your expenses which is always needed, especially if you want to pay off credit card debt fast.
My Frugal Home Bill Pay Checklist
I like how this bill pay planner is set up by My Frugal Home. It gives you a yearly view of your bills and making sure you check them off the list.
An added bonus that they include an auto-pay column since it can be confusing trying to remember which bills are coming out automatically.
Printable Crush Budget Sheet
I wasn’t joking when I said that Printable Crush brings the heat when it comes to printables.
Everything she does is beautiful and this monthly expenses tracker is no different.
This would actually go great in a bullet journal.
Clean & Scentsible Family Binder Budgeting Printables
Having a budget means you have a clear picture of your income, expenses, and your savings goal. That’s why this budget over planner by Clean & Scentsible is perfect for tracking your budget.
You won’t get confused because all of the boxes are separated allowing you to quickly bounce around each category.
WorldLabel Home Finance Printables
Some printable budget planners just go above and beyond the call of duty and that is the case with this package of home finance printables by WorldLabel.
With them, you are able to track your annual budget, bank account, debts, monthly budgets, and bill payment logs.
It really is a complete system for keeping track of your finances.
A Cultivated Nest Free Budget Planner
Again, budget planners don’t need to be anything fancy. You can keep things simple and that’s the case with this free budget planner by A Cultivated Nest.
Thirty Hand Made Days Monthly Budget
When it comes to free budget printables I have no problem with using a big font. You don’t need to squint to understand where your money is going. Those that feel the same way will appreciate this monthly budget by Thirty Hand Made Days.
A Mom’s Take
If you like colors then this is definitely the planner for you. A Mom’s Take has done a wonderful job of color-coding the different categories so there should be no mishaps like accidentally spending $500 on toilet paper.
What, you’ve never done that before?
Lucky.
The Simply Organized Home Budget Planner
What I love about this planner by The Simply Organized Home is that it gives you space for actionable steps with your yearly financial goals.
It’s great to keep track of your income and expenses but it’s even more important to set financial goals that you can strive for over time. When you want to reach your goals be sure to write them down so that your mind is constantly finding ways to work towards them.
A Simple Budget Planner Is Better Than No Budget Planner
When people hear others talk about budget planners they think of something that is complicated. Even if you don’t want to print out any of the budget planners above, you can simply use Google Docs to create an online budget planner that you have access to all of the time.
This is how my wife and I handle our budget.
We track the incoming money from our online businesses and have the exact dates that our bills are supposed to come out. We have 3 bank accounts:
- Mine where the bills I manage come out
- Hers where the bills she manage come out
- Shared where we use for future savings, entertainment, and emergencies
Using a budget planner was the exact thing that turned me from clueless finance guy that was always stressing about money, to someone that understands where every single penny is either coming or going.
So, if you need help getting out of debt grab one of these planners and start putting your numbers in.
Once you get a hold of things and are ready to make more money to either increase your savings or expand your budget it’s probably time to learn how to make money online.
Why bother to create a personal or family budget?
Budget Calculator
- Calculates expense to income ratio.
- Calculates total & percentage spent in each of 7 categories.
- Save your inputs for later use.
Answers the question, 'Where does the money go?'
First, at its simplest, a budget is the tool you use to know if you will spend more than you earn. To create a budget, you project your income and then deduct your estimated expenses. The budget calculator makes this calculation a snap. Just provide values for the pertinent inputs and click on the 'Calc' button. That's all there is to it. Check out the Summary section for the results.
If the income is higher than the expenses, congratulate yourself. You're at least on the right track. However, if the expenses are higher than the income, then eventually some adjustments will need to be made.
You might be saying, 'I don't need a budget calculator to know if I'm spending more than I'm earning.' That's probably is right. But there's another, even more, important use for a budget.
Budgets help us reach our goals.
The budget calculator shows the percentage each category is relative to total expenses. If you have a goal to save for the down payment for a home, the calculator will show you where you can consider making adjustments so that you can reach your goal.
L Online Budget Online
Don't forget to checkout the new save feature. More details below
All inputs and options are explained below. Please scroll down.
Coming in 2021
L Online Budget Planner
- New: save your inputs to a file (currently beta feature)
- Files are saved to your browser's download folder
- Facilitate discussions - share
Related: The Budget Calculator included in SolveIT! for Windows will compare up to 12 monthly budgets and let you save your entries to a disk file. You'll also be able to compare actual spending with what you had budgeted. With SolveIT!, you can also change the labels for the inputs to customize the calculation to meet your needs.
Ultimate Investment Calculator
- Flexible. Solve for many unknowns.
- Optionally considers inflation, taxes and/or fees
- Calculates what's required to reach a goal
- Creates either investment(+) or income(-) schedules
Retirement Calculator
Are you on track?
- Considers pre and post retirement cash flows
- Allows for multiple income sources
- Factor in inflation - Yikes!
What is a Budget Calculator Used For?
Simply put, a budget calculator let's you answer that famous question, 'Where did all the money go?'. Our Budget Calculator also calculates expense groups as a percentage of total expenses. It may be reasonable to have 30% of your expenses go to 'Shelter'. It probably would not be such a good idea if your 'Recreation Expenses' were also 30%.
L Online Budget
Mail Online
The budget calculator in SolveIT! also lets you compare projected budgets to actual income and expenses. You'll also be able to save your entries for later use and create budgets and reports which span and summarize an entire year (if you desire).