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Simple Budget Worksheet

Budgets don’t have to be complicated to be effective. A simple budget can go a long way towards helping you get your finances in order. Download our simple budget and get started right away!

Simple Budget WorksheetBudgeting is good for you, but often we don’t do it. There’s a big reason why most budgets fail, but close to the top of the list are all the complicated tools people use for budgeting.

Some exercise is better than none. And a simple budget is better than none.

Whether you are just learning to budget or you don’t need or want all the bells and whistles of fancy software or online budgeting tools, I give you my Really Simple Budget Worksheet.

What is the Really Simple Budget Worksheet?

The Really Simple Budget Worksheet is a one page form that asks for your monthly income and monthly expenses grouped into just a handful of categories. Unlike some budget tools, this worksheet doesn’t need to know how much you spend on coffee in the morning, beers at the bar, fast food lunches and fine dining. It groups them as dining, travel and entertainment.

The simple budget spreadsheet is an easy one page budget for Excel.

Although there is some value in seeing how much your coffee or lunch habits add up to every month, it takes a lot of time to track—time most of us would rather spend in other ways. The Really Simple Budget Worksheet lets you figure out a budget in a few minutes and get on with life.

The worksheet is available as a PDF (for printing) and Microsoft Excel:

More Budgeting Options

This simple budget might be the perfect introduction to budgeting for some, but might not be enough for everybody. Check out my original free budget spreadsheet, my list of free and premium online budgeting tools, or J. Money’s roundup of the best free budget templates from around the Web.

Published or updated on September 11, 2009

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About David Weliver

David Weliver is the founding editor of Money Under 30. He's a cited authority on personal finance and the unique money issues we face during our first two decades as adults. He lives in Maine with his wife and two children.


We invite readers to respond with questions or comments. Comments may be held for moderation and will be published according to our comment policy. Comments are the opinions of their authors; they do not represent the views or opinions of Money Under 30.

  1. J. Money says:

    Thanks for spreading the financial love my good friend! Recently updated the “best spreadsheets of the web” list and both your budgets are highlighted :)

    Love your simple one – great way to get the ball rolling w/out digging into hardcore details.

  2. Kerri says:

    I’d like to suggest a new site that just launched, http://www.debtspark.com, which serves as a step one for figuring out your financial picture. It’s simpler than a spreadsheet and allows users to store, track and graph deficits or surpluses over time.

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