Household Budget Worksheet

This document should be a good start for creating your household budget. The budget is adapted from a document found at Consumer.gov which can be printed from a PDF.

Monthly Budgeting Worksheet

Monthly Income 

Paychecks (after taxes and benefits paid) ..    $_____________

Interest and Dividends……………………..    $_____________

Side Hustles ………………………………..    $_____________

Other Income ………………………………..    $_____________

Total Income ………………………..    $_____________

Monthly Expenses

Housing

Rent or Mortgage ………………………..    $_____________

Renter’s or Homeowner’s Insurance .…..    $_____________

Utilities (electric, gas, trash)………………..    $_____________

Internet and phone   ………..……………..    $_____________

Other housing expense   ………………..    $_____________

Total Housing Expense ……………..    $_____________

Food

Groceries and household supplies…………..    $_____________

Meals out …………………………….. .…..    $_____________

Coffee and vending ……….………………..    $_____________

Other food expenses   …….………………..    $_____________

Total Food Expense ……….………..    $_____________

Transportation

Public Transportation (Uber, Lyft, Bus, Train).$_____________

Gas for car…………………………….. .…..    $_____________

Parking and tolls  ……….………………..    $_____________

Car maintenance (oil changes, tire rotations).$_____________

Car insurance ……….………………………    $_____________

Car loan …….……….………………………    $_____________

Other transportation expenses   …………..    $_____________

Total Transportation Expense ……..    $_____________

Health

Medicine …………………..…………………    $_____________

Health insurance……………………………..    $_____________

Copays and deductibles …………………….    $_____________

Other health expenses   …….……………….    $_____________

Total Health Expense ……….……….    $_____________

Personal and Family

Child care …………………..…………………    $_____________

Child support ……………………………..    $_____________

Money given or sent to family …………….    $_____________

Clothing and shoes…………………………..    $_____________

Laundry ………. ……………………………..    $_____________

Donations …. ……………………………..    $_____________

Entertainment (Hulu, Netflix, Cable)……..    $_____________

Beauty care and haircuts……………………..    $_____________

Other personal and family expenses ……….    $_____________

Total Personal and Family Exp …….    $_____________

Finance

Banking fees ……………..…………………    $_____________

Prepaid cards……………………………..    $_____________

Credit card fees and interest……………….    $_____________

Student loan payments …….……………….    $_____________

Other debt payments  …….……………….    $_____________

Total Finance Expense ……….….    $_____________

Other

Tuition …….……………..…………………    $_____________

Other ……….……………………………..    $_____________

Total Other Expense ……….….    $_____________

Total Income (from above) ……….….………………………    $_____________ 

Total Housing, Food, Transportation, Health, 

Personal, Finance, and 

Other Expenses (from above) ….….….…..    $_____________ 

Total Income less Total Expenses ….….…..    $_____________ 

 (Amount available for savings or debt paydown)

This budget was adapted from a budget found at consumer.gov.

Use this budgeting worksheet to calculate your net savings available for debt paydown or investment. If your income is less than your expenses, you will need to make changes to spending patterns and reduce overall expenses, or possibly pick up a second job to boost income.

References

  1. Make a Budget – Worksheet. Consumer.gov. https://www.consumer.gov/content/make-budget-worksheet. Published March 11, 2015. Accessed December 20, 2019.

Re-purposing this site.

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