Free printable · PDF · US Letter
Free monthly budget template
A one-page budget planner you can print every month. Write down your income, set 50/30/20 targets, and track needs, wants, savings and debt with budget vs actual columns.
- Income for the month — every paycheck and side income
- 50/30/20 targets worked out in one box
- Needs, wants, savings & debt with budget, actual and difference
- Monthly summary, savings goals and notes
How to use the budget template
- Start with income. Write every paycheck and side income you expect this month — after tax. Not sure of your take-home? The take-home pay calculator estimates it.
- Set your targets. Multiply your income by 50%, 30% and 20% for needs, wants and savings. The 50/30/20 budget calculator does it instantly.
- Plan each line. Fill in the budget column for rent, groceries, transport and the rest before the month starts.
- Track as you go. Add real spending in the actual column, then the difference shows where you're over or under.
- Review at month end. Use the summary and notes to adjust next month's plan — small changes every month add up.
Paper or app?
A printed budget is a great way to start: it's simple, visible and makes you think about every line. When you want the maths done for you and a budget that updates as you spend, the VaultlyApps planners — like Flow and Vault — keep it current on your phone and laptop. Each has a free live demo.
New to budgeting terms? See what a zero-based budget, the 50/30/20 rule and a sinking fund mean in our money glossary.
Frequently asked questions
Is the budget template really free?
Yes. Enter your email address and you get the download link straight away. There is nothing to buy and no trial.
What is in the monthly budget template?
One printable US Letter page: income for the month, your 50/30/20 targets, needs, wants, savings and debt with budget, actual and difference columns, a monthly summary and space for notes and goals.
Can I use it every month?
Yes — print a fresh copy each month, or fill it in on a tablet with any PDF app that lets you write on pages.
What will you send to my email?
Occasional plain-English money tips and news about new free calculators and guides from VaultlyApps. Every email has an unsubscribe link, and we never sell or share your address.
Is there a digital version that does the maths for me?
Yes. The free 50/30/20 budget calculator works out every bucket instantly, and the VaultlyApps planners keep a budget up to date as you log spending — each has a free live demo.