Budgeting Worksheet

BUDGETING WORKSHEET

Use this budgeting worksheet to calculate your monthly expenses and income to get an idea of what you have to work with, what your commitments are, and what you have remaining to devote to your goals.

Step 1: Calculate Your Monthly Income

Figure out how much you get paid each month, after taxes are removed, and add it to the table below.

Paycheck: take-home amount

$

Other Income: side jobs, child support, etc.

$

Total

$

Step 2: Calculate Your Monthly Expenses

Record your expenses using the table below. For expenses that change from month-to-month (such as utilities), use your average spending based on past month’s bills.

Housing & Food

Housing

Rent or mortgage

$

Renter's insurance or homeowners insurance

$

Utilities (e.g., electric, gas, water)

$

Internet, phone, TV

$

Food

Groceries and household supplies

$

Meals out

$

Food misc. (e.g., meal subscriptions)

$

Transport & Health

Transport

Public transit (e.g., bus, taxi, ride-sharing)

$

Gasoline

$

Car maintenance (e.g., oil change, new tires)

$

Car payments (e.g., insurance, loans, lease)

$

Transportation misc. (e.g., parking, tolls)

$

Health

Prescriptions and medications

$

Health insurance (if not deducted from paycheck)

$

Medical misc.

$

Personal & Family

Child care (e.g., daycare, babysitter)

$

Money given or sent to family (e.g., gifts, child support)

$

Clothing and shoes

$

Entertainment (e.g., movies, concerts)

$

Subscriptions (e.g., streaming services, music, mobile apps)

$

Pet care (e.g., food, vet, dog-daycare)

$

Other personal or family expenses (e.g., toiletries, makeup, haircut)

$

Others

School costs (e.g., supplies, tuition, student loans)

$

Other debt (e.g., personal loans, credit cards)

$

Savings (e.g., emergency fund, holidays, vacation)

$

$

$

Total

$

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Income

Expenses

0

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