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Monthly budget worksheet

Fill in or print a private monthly budget worksheet with planned and actual columns plus a separate payment-timing check.

Use take-home money available to the household. Add or rename lines on paper when these categories do not fit your situation.

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Income available

Budget linePlannedActualDifference
Main income
Other regular income
Other income

Core commitments

Budget linePlannedActualDifference
Housing
Utilities
Food
Transport
Insurance
Minimum debt payments

Flexible and irregular costs

Budget linePlannedActualDifference
Household and personal
Health
Education or childcare
Annual or irregular costs
Entertainment
Other

Goals

Budget linePlannedActualDifference
Savings
Extra debt repayment
Other goal

Payment-timing check

A balanced monthly total can still run short before payday. Record the next important income and bill dates separately.