8 Printable Budget Planners

Managing your finances doesn’t have to be overwhelming—budget planner printables make it simple and organized. These handy tools let you track income, expenses, and financial goals, helping you stay on top of your budget month after month.

Right now, I’m excited to share eight beautifully designed budget worksheets, available to download for free. And the best part? I’m working on creating even more! Stay tuned for new releases, and don’t forget to subscribe to my newsletter to get updates about new printables.

Curious to explore more? I have hundreds of free printables on DigitalHygge, including money-saving challenges, health challenges, Year in Pixels trackers, and so much more!

Clean and Modern Monthly Budget Planners

These sleek and minimalist budget planners are perfect for staying focused and organized. Their clean design emphasizes clarity, with clearly labeled sections for income, expenses, and totals, making budgeting easy and stress-free. Choose from two variations: one with a bold modern layout and another with streamlined simplicity.

Elegant Printable Budget Planners

Add personality to your budget planning with these stylish brush font designs. The playful yet elegant typography gives these printables a unique and creative vibe. One layout offers extra space for detailed tracking, while the other simplifies the process with a more compact design.

Floral Monthly Budget Printables

These two worksheets share the same beautiful floral style as my popular no-sugar challenges and savings challenges. Since these designs have been so well received by my readers, I decided to create budget planners in the same style! Both options add a touch of charm to financial tracking—one with soft, subtle floral accents and the other with bold, vibrant botanical elements. Perfect for anyone who enjoys blending functionality with creativity in their planning routine.

Monthly Budget Planner – Simple and Functional

Stay on top of your finances with this beautifully designed budget planner. Choose from two styles: one with a dedicated “Budgeted” column to set spending goals, and another with a straightforward layout that skips the budgeting column for a cleaner look. Each style includes two options—pre-filled categories for effortless planning or blank sections to fully customize your budget. Perfectly formatted for A4 and Letter (8.5 x 11 in) paper sizes, it’s easy to print and start using right away!

Monthly Budget on Two Pages – Double the Space, Double the Clarity

Plan your monthly finances with this two-page budget layout, perfect for those who love extra room to organize. Featuring clear sections for “Budgeted” and “Actual” amounts, this design helps track spending across categories while keeping everything in sight. Available in two sizes—A4 and Letter (8.5 x 11 in)—this planner makes budgeting an enjoyable and stress-free experience. Just print, plan, and start taking control of your money today!

How to Use the Monthly Budget Planner

Below I will share a few tips for you to help you get the most out of your budget planner.

Income

Understanding where your money comes from is the foundation of budgeting. Track all sources of income to see your full financial picture.

• Primary Income: Regular salary or wages after taxes.
• Side Hustles: Earnings from freelance work, part-time jobs, or gig platforms.
• Other Income: Include dividends, rental income, bonuses, or any other irregular sources.

Fixed Expenses

These are recurring costs that typically remain the same each month. Knowing these helps you allocate your budget efficiently.

• Housing: Rent or mortgage payments, property taxes, repairs, maintenance, and homeowner’s insurance.
• Utilities: Electricity, water, internet, phone bills, and waste services.
• Loans/Debts: Payments for student loans, car loans, credit cards, and personal loans.
• Insurance: Health, life, car, house, pet, and travel insurance.

Variable Expenses

These fluctuate monthly and can often be adjusted to save money.

• Groceries and Dining: Food at home, dining out, takeout, and meal delivery services.
• Transportation: Gas, public transit passes, parking, tolls, ride-shares, and car repairs.
• Entertainment: Streaming services, hobbies, recreational activities, and events.
• Health: Medications, doctor’s visits, gym memberships, therapy, and fitness equipment.
• Personal Care: Haircuts, spa treatments, skincare, and cosmetics.
• Leisure: Traveling, seasonal activities, and hobby equipment.

Savings and Investments

Building savings is essential for emergencies and long-term goals. Track contributions and prioritize your future financial health.

• Emergency Fund: Allocate money for unexpected expenses like car repairs or medical bills.
• Retirement Savings: Contributions to a 401(k), IRA, or other retirement plans.
• Education Savings: Set aside funds for tuition, courses, or professional certifications.

Goals and Priorities

These are expenditures tied to your personal aspirations. Plan short-term and long-term goals to stay motivated.

• Short-Term Goals: Save for vacations, gifts, or a new gadget.
• Long-Term Goals: Plan for big-ticket items like a home, car, or significant renovations.

Tracking Tips

Staying consistent with tracking is key to successful budgeting. Use these strategies to stay on top of your finances.

• Keep Receipts: Use them to cross-check your expenses.
• Set Categories: Divide expenses into “needs,” “wants,” and “savings” for clarity.
• Revisit Monthly: Adjust your budget based on the previous month’s performance.
• Use Tools: Pair printables with apps for tracking expenses or calculating totals.

I hope you love using my budget trackers as much as I enjoyed creating them for you! I’d be thrilled if you left a comment or shared this post with your friends—it means so much to me.

Happy budgeting! 😊

Other Resources You Might Like:

• All Digital Hygge Printables
• Printable Savings Challenges
• Printable Habit Trackers

This article was originally published on August 26th, 2020. It has been thoroughly updated and new trackers added, so the publication date has been changed accordingly.