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50/30/20 Budget Template – 5 Cute (&Free!) Budgeting Planners

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What’s better than one cute 50/30/20 budget template? 5 of them!

50/30/20 Budget Templates | SaturdayGift

Ready to make a financial plan and start budgeting while making sure you’re contributing to your savings and investments?

The 50/30/20 budgeting rule is a popular method that helps you save, invest, and enjoy some of the finer things in life.

In this post, you’ll find five pretty & practical printables to create your 50/30/20 budget. 

Psst! You can combine these designs with the other cute & free finance planners and trackers to create a money management binder.

Disclaimer: The content provided is for informational purposes only and should not be considered financial advice. Consult a financial professional for personalized guidance on budgeting and managing your finances. 

5 Cute & free 50/30/20 budget templates

Here are seven 50/30/20 budget templates that you can download and use for free to help you get started with your budgeting journey.

All free printables ©SaturdayGift Ltd. For personal use only, not to be copied, distributed, altered, or sold.

Paper size: US letter, but resizable (to A4 page size and other sizes)


Pretty & practical 50/30/20 Budget Printable

50/30/20 Rule Budget Planner Template - Free Printable in Pastel Colors | SaturdayGift
50/30/20 Budget Planner in Pastel Colors

DOWNLOAD: 50/30/20 Budget Planner in Pastel Colors

Blank 50/30/20 Rule Template

Blank 50/30/20 Budget Template Printable - black & white | SaturdayGift
Blank 50/30/20 Budget Template Printable – black & white

DOWNLOAD: Blank 50/30/20 Budget Template Printable – black & white

Elegant 50/30/20 template

50/30/20 Template - Printable Budget Planner PDF | SaturdayGift
Elegant 50/30/20 Template

DOWNLOAD: Elegant 50/30/20 Template PDF

Simple monthly budget template

50/30/20 Budget Template - Free Printable PDF | SaturdayGift
Simple 50/30/20 Budget Printable

DOWNLOAD: Simple 50/30/20 Budget Printable

Cute 50/30/20 budget template

50/30/20 Budget Template - Cute & Free Budgeting Printable | SaturdayGift
50/30/20 Budget Template – Cute & Free Budgeting Printable

DOWNLOAD: Cute 50/30/20 Budget Template

What is the 50/30/20 budget?

The 50/30/20 rule is super simple. 

You take your income (take-home pay) and divide it into three categories: 

  • 50% for needs
  • 30% for wants
  • 20% for savings and debt repayment

READ MORE: 50/30/20 Rule – A Simple Budgeting Method + Examples

50/30/20 budget calculator

Use this free budget calculator to determine how much money you’ll need to allocate from your income to needs, wants, and savings.

CHECK OUT: Free 50/30/20 Budget Calculator 

How to use the 50/30/20 budget template

Here’s how to use the 50/30/20 printables. 

1. Income

Start by entering your monthly income in the designated field.

Include all sources of income such as salary, bonuses, tips, and other side hustles.

Use your monthly after-tax income (net income) for accuracy.

RELATED POST: Income Tracker Printable – 19 Cute & Free Printable Templates

2. Needs (50%)

List your essential expenses: rent/mortgage, utilities, groceries, health insurance, and transportation.

Be sure to allocate enough money for these expenses as they are necessary for daily living.

RELATED POST: Bill Organizer Template – 39 Cute & Free Printable Bill Trackers

3. Wants (30%)

Include all non-essential expenses in this section, such as dining out, entertainment, and shopping.

It’s important to still have room for wants in your budget to maintain a healthy balance between saving and enjoying life.

RELATED POST: Expense Tracker Printable – 26 cute & Free Spending Logs

4. Savings and Debt Repayment (20%)

This section is for your long-term financial goals and debt payments.

Include any savings goals, such as retirement, an emergency fund, a savings account, or a down payment on a house. 

Also, allocate money towards any outstanding debt payments. 

50/30/20 Rule Budgeting Templates | SaturdayGift

Categories to use with the 50/30/20 rule Template

Here’s a list of categories you can choose for your template. Feel free to add and remove categories so they fit your financial situation.

50% – Needs (must-haves)

These include all mandatory expenses. 

  • Housing (rent/mortgage)
  • Utilities (electricity, water, gas)
  • Groceries
  • Transportation (car payments, gas, public transportation)
  • Health Insurance
  • Childcare/Dependent Care

If these fixed expenses exceed 50% of your income, try reducing them, such as downsizing to cut major expenses like rent/mortgage or car payments or finding cheaper options for utilities or groceries.

30% – Wants (Nice-to-haves)

  • Dining Out/Takeout
  • Entertainment (movies, concerts, etc.)
  • Subscriptions (Netflix, Spotify, etc.)
  • Shopping (clothing, electronics, luxury items)
  • Hobbies/Recreation
  • Vacations

It’s essential to have a reasonable amount allocated towards wants to maintain a balanced and enjoyable lifestyle.

20% – Savings and Debt Repayment:

  • Retirement accounts
  • Emergency fund 
  • Savings accounts 
  • Sinking funds
  • Student Loans 
  • Credit Card Debt 

Financial freedom means eliminating debt, saving diligently, and making wise investments.

50/30/20 Budget Rule Planners | SaturdayGift

Tips for using the 50/30/20 budget template

  • Prioritize your needs over wants, but also allocate enough money for enjoyment in your budget.
  • Automate saving money by setting up automatic payments to your savings accounts.
  • Always pay high-interest debt first.
  • Be honest with your income and expenses to track your spending accurately.
  • Keep going even if you can’t stick to the exact percentages. The goal is to create a budget that works for you, not against you.
  • Celebrate small victories in your financial journey, whether paying off debt or reaching a savings goal. It’s important to acknowledge and celebrate your progress.
  • If the 50/30/20 rule is not a good fit for you, try another budgeting system, like zero-based budgeting.

You might also like: Zero-Based Budget Template – 7 Cute & Free Printables (+ Tips)

More money management printables

Here, you can find all the cute & free personal finance templates.

CHECK OUT: All Budgeting & Money Saving Printables by SaturdayGift

Cute 50/30/20 Budget Templates - Free Printables | SaturdayGift
Cute 50/30/20 Budget Templates – Free Printables


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