Start with take-home pay.
Use the amount that actually reaches you after deductions, not a gross salary figure.
FREE BUDGET RESOURCE
A monthly budget template you can make your own.
Write down what comes in, edit what goes out, and see what remains. Download a CSV or print a clean worksheet when your plan feels right.
Use the template ↓No account. No upload. No cost.
EXAMPLE MONTH$3,000
take-home income
Needs$1,630
Wants$300
Savings$450
Still unassigned$620
Illustrative numbers. Replace every amount below.THE SHORT ANSWER
A monthly budget template is a place to list income, planned expenses and savings before the month begins. Edit the categories as your life changes, then check whether the plan fits your take-home income.
YOUR PRIVATE WORKSHEET
Plan the month, line by line.
Start with the example or clear it. Put regular bills under needs, flexible purchases under wants, and enter a savings goal separately. The summary updates in this browser tab.
Privacy: calculations happen in your browser. This page does not upload, save, or store the amounts you enter. Download or print a copy if you want to keep one.
MONTHLY PLAN
Expense categoryGroupPlanned amountRemove
Total needs$1,630.00
Total wants$300.00
Total expenses$1,930.00
Savings goal$450.00
Remaining / unassigned$620.00
Needs / wants / savings
Share of take-home income, not a rule you must follow.
54.3%Needs
10.0%Wants
15.0%Savings
Planning estimate only. This worksheet is separate from the app and does not record real transactions or give financial advice.
MAKE IT USEFUL
Three checks before the month starts.
Include ordinary and irregular costs.
Rent, groceries, transport and bills matter. Leave room for shopping or a yearly charge that lands this month.
Review what remains.
If the result is negative, adjust a planned amount. If it is positive, decide whether to save it or leave it available.
BUDGET PLANNER BPT
Plan here.
Track as you go.
Use the free worksheet to make a plan, then record actual spending in the iPhone app.
Download on the App Store