37 Budget Planners & Trackers – Cute & Free Printables
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Ready to start budgeting and reach your financial goals? Look no further!
Here, you’ll find 37 cute & free printable budget templates and trackers to help you get organized, reach your savings goals, and manage your money.
Just scroll down until you see your favorite design and the download link for the PDF is below each image.
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.
37 Free printable budget templates
What’s better than one super cute budget planner printable? 37 of them! And all in one location!
You only need one to start. So choose your favorite from the monthly budget planners and let the printable guide you through the budgeting process.
All free printables ©SaturdayGift Ltd. For personal use only, not to be copied, distributed, altered, or sold.
Paper size: US letter, but some are resizable (to A4 page size and other sizes)
Free budget template & tracker
Track your budget and actual spending with these cute free budget planner & monthly budget tracker templates.
Free printable budget worksheets
These free budget worksheet PDFs includes income, savings accounts, debt payments, and an expense tracker.
DOWNLOAD: Simple Budget Planner & Monthly Budget Tracker – Black & White
Complete Budget template package with budget categories
These budget planner templates are perfect for financial planning – to budget and track expenses. This 4-page budget planner printable package also has a notes section and can be used as a family budget planner.
RELATED POST: 200+ Budgeting Categories + Budget Categories List PDF
Budget planner printable package in black & white
Monthly budget tracker
DOWNLOAD: Cute Monthly Budget Tracker – PINK
DOWNLOAD: Cute Monthly Budget Tracker – GREEN
DOWNLOAD: Cute Monthly Budget Tracker – BEIGE
Printable monthly budget planner template
This cute free template is another printable budget sheet with everything you need to keep track of your finances and spending in one place.
Cute budget templates in pastel colors
These free budget printables are super cute and come in 6 different colors: Lavender, beige, pink, grey, green & yellow.
Monthly Budget tracker printable PDFs
DOWNLOAD: Cute Monthly Budget Planners – 6 pretty colors
50/30/20 budget printable
DOWNLOAD: Cute 50/30/20 Budget Template
This free 50/30/20 budget template is a great tool for your financial freedom journey.
You divide your after-tax income into
- needs (50%)
- wants (30%)
- and savings (20%).
This free printable will help you break down your budget and allocate your money accordingly.
Related Post: 50/30/20 Rule – A Simple Budgeting Method + Examples
More templates: 50/30/20 Budget Template – 5 Cute (&Free!) Budgeting Planners
Calculator: Free 50/30/20 Budget Calculator
Zero-based budget printable
DOWNLOAD: Cute Zero-Based Budget Template
Zero-Based Budget Printable is a great tool for tracking every dollar you spend and save. With this method, you allocate your entire income to expenses, savings, and debt payments.
Related Post: Zero-Based Budgeting 101 – Guide, Categories + Examples
More templates: Zero-Based Budget Template – 7 Cute & Free Printables (+ Tips)
Small business budget template PDF
This budget planner for business expenses is ideal for small and home-based businesses.
Free printable budget template
DOWNLOAD: Free Printable Budget Templates – 6 cute colors
Monthly budget – free budget template
DOWNLOAD: Free Budget Template – Monthly Budget – 6 cute colors
Want to create a budget binder? Check out all the personal finance printables: All Budgeting & Saving Money Printables
Looking for a budget planner for college students? You can find it here: Cute (& Free!) College Budget Templates + Tips
Whether your goal is to save money, spend less, or pay off debt, these free budget templates and trackers will help you get a clear picture of your finances and make better decisions.
Psst! You can combine these designs with the other cute & free finance planners and trackers to create a money management binder.
What is financial health?
Financial Health means living within your means, managing unexpected expenses, and saving for future financial goals.
Budgeting is the foundation of financial health; these budget templates can help you stay on track.
Whether you’re a college student, a small business owner, or have a busy family life, these free printable budget templates and trackers are here to help you manage your finances and improve your financial health.
Why use budgeting printables, templates, and trackers
Budgeting can be overwhelming, and it’s easy to feel lost or discouraged when managing your money.
But with the help of budget sheets and trackers, you can take control of your finances and make informed decisions about where to allocate your funds.
The budgeting templates can
- Help you set specific goals and track your
progress . - Provide an overview of your income and expenses.
- Help you identify areas where you can cut back on spending.
- Allow you to plan for unexpected expenses and emergencies.
- Promote transparency and accountability when managing money as a family or in a business setting.
Simple budgeting tips
- Set specific and achievable financial goals, such as saving a certain amount each month, paying off credit card debt, or creating an emergency fund.
- Track your spending and know where your money is going. It will help you identify areas where you may need to cut back on unnecessary expenses.
- Use cash or debit cards instead of credit cards to avoid overspending.
- Review your budget regularly and make adjustments as needed.
- Make saving a priority by setting aside a certain percentage of your income each month.
Don’t be too hard on yourself if you make mistakes or have setbacks. Use them as learning opportunities and keep moving forward.
Remember, budgeting is a journey, and finding the right approach and budgeting system that works for you takes time.
How to use a printable budget template
Monthly budgeting is easy, and the more you do it, the better you get. With the budget template, tracking and managing your expenses becomes even easier.
Here’s how you can use a printable budget template:
1. Download and print the template of your choice.
2. Fill in your total income
Start by filling in all sources of income for the month, whether from your job, investments, or other sources.
RELATED POST: Income Tracker Printable – 19 Cute & Free Printable Templates
3. List all fixed expenses
Next, list all your fixed monthly expenses, such as rent, insurance payments, etc. Fixed costs remain the same (or almost the same) every month.
RELATED POST: Bill Organizer Template – 39 Cute & Free Printable Bill Trackers
4. List out all your variable expenses
These are the expenses that vary from month to month, like groceries, dining out, entertainment, etc. This is where you need to estimate your expenses based on past months or create a budget based on your needs.
RELATED POST: 200+ Budgeting Categories + Budget Categories List PDF
5. Set aside savings or pay off debt
Allocate a portion of your income to a savings account and towards investments for future financial stability. If you have debt, prioritize paying it off.
RELATED POST: Savings Tracker Printable – 51 Cute & Free Templates
6. Calculate the difference
Subtract your expenses from your monthly income to see if you have a monthly surplus or deficit.
7. Analyze and adjust
- If you have a deficit, look for areas where you can cut back on expenses.
- If you have a surplus, consider investing or saving the extra money.
8. Set a limit for each expense category
Based on your income and fixed expenses, set a reasonable limit for each variable expense category.
9. Track your expenses
As you pay bills and make purchases, track them in your budget template to see if you’re staying within your budget.
RELATED POST: Expense Tracker Printable – 26 cute & Free Spending Logs
10. Review and revise
At the end of each month, review your budget and adjust your spending habits for the next month.
Continue budgeting every month. And before you know it, budgeting might become something you absolutely love.
Tips for using budget templates and trackers
1. Keep it simple
Choose a template that is easy to understand and fits your needs.
2. Be consistent
Make budgeting a habit by using the template consistently, whether on a daily, weekly, or monthly basis.
3. Set realistic goals
Start with small achievable goals and gradually increase them over time.
4. Track your spending
Keep track of all your expenses, even small ones, to understand where your money is going.
5. Review and adjust regularly
Budgeting is not a one-time task; review and adjust your budget as needed to stay on track.
6. Involve the whole family or team
If you’re managing finances as a family or in a business setting, involve everyone in the budgeting process for transparency and accountability.
Conclusion
Managing your finances is an essential part of maintaining good financial health.
It involves tracking income, expenses, debt, and savings, setting goals, and creating a plan to achieve them.
Budget templates and trackers are a great way to get organized, manage your money better, and reach your financial goals.
Whether you’re just starting or trying to improve your current financial situation, these free printables can help guide you through the budgeting process.
