General Budget Templates
Versatile budget templates that work for any income level or budgeting style.
Monthly Budget
kakeibo-templates.com
INCOME
| Source | Expected | Actual |
|---|---|---|
$ | $ | |
$ | $ | |
$ | $ | |
$ | $ | |
$ | $ | |
| Total Income | $ | $ |
EXPENSES
Fixed Expenses
| Category | Budgeted | Actual |
|---|---|---|
| Rent/Mortgage | $ | $ |
| Utilities | $ | $ |
| Insurance | $ | $ |
| Phone/Internet | $ | $ |
| Subscriptions | $ | $ |
Variable Expenses
| Category | Budgeted | Actual |
|---|---|---|
| Groceries | $ | $ |
| Transportation/Gas | $ | $ |
| Dining Out | $ | $ |
| Entertainment | $ | $ |
| Shopping | $ | $ |
| Personal Care | $ | $ |
| Health/Medical | $ | $ |
| Other | $ | $ |
| Total Expenses | $ | $ |
SAVINGS & DEBT
| Category | Goal | Actual |
|---|---|---|
| Emergency Fund | $ | $ |
| Retirement | $ | $ |
| Debt Payment | $ | $ |
| Other Savings | $ | $ |
| Total Savings | $ | $ |
MONTHLY SUMMARY
Free template from kakeibo-templates.com
Monthly Budget Template
A comprehensive monthly budget template that helps you track income, fixed expenses, variable spending, and savings goal...
50/30/20 Budget
kakeibo-templates.com
STEP 1: Your After-Tax Income
NEEDS
Essential expenses you must pay
| Expense | Budgeted | Actual |
|---|---|---|
| Housing (Rent/Mortgage) | $________ | $________ |
| Utilities (Electric, Gas, Water) | $________ | $________ |
| Groceries | $________ | $________ |
| Transportation | $________ | $________ |
| Insurance (Health, Car, Home) | $________ | $________ |
| Minimum Debt Payments | $________ | $________ |
| Childcare | $________ | $________ |
| Other Needs: | $________ | $________ |
| Total Needs | $________ | $________ |
WANTS
Non-essential spending that improves life
| Expense | Budgeted | Actual |
|---|---|---|
| Dining Out | $________ | $________ |
| Entertainment | $________ | $________ |
| Subscriptions (Streaming, etc.) | $________ | $________ |
| Shopping | $________ | $________ |
| Hobbies | $________ | $________ |
| Personal Care | $________ | $________ |
| Travel/Vacations | $________ | $________ |
| Other Wants: | $________ | $________ |
| Total Wants | $________ | $________ |
SAVINGS & DEBT
Building wealth and paying off debt
| Category | Budgeted | Actual |
|---|---|---|
| Emergency Fund | $________ | $________ |
| Retirement (401k, IRA) | $________ | $________ |
| Extra Debt Payments | $________ | $________ |
| Sinking Funds | $________ | $________ |
| Investments | $________ | $________ |
| Other Savings: | $________ | $________ |
| Total Savings | $________ | $________ |
MONTHLY CHECK
Notes & Adjustments for Next Month:
Free template from kakeibo-templates.com
50/30/20 Budget Template
Apply the popular 50/30/20 budgeting rule with this ready-to-use template. Automatically calculates your allocations for...
Zero-Based Budget
Every Dollar Has a Job
kakeibo-templates.com
INCOME
GIVE EVERY DOLLAR A JOB
| Rent/Mortgage | $________ | $________ |
| Electric | $________ | $________ |
| Gas/Heat | $________ | $________ |
| Water | $________ | $________ |
| Internet | $________ | $________ |
| Phone | $________ | $________ |
| Car Payment | $________ | $________ |
| Gas | $________ | $________ |
| Insurance | $________ | $________ |
| Maintenance | $________ | $________ |
| Parking/Tolls | $________ | $________ |
| Groceries | $________ | $________ |
| Dining Out | $________ | $________ |
| Coffee/Snacks | $________ | $________ |
| Clothing | $________ | $________ |
| Personal Care | $________ | $________ |
| Health/Medical | $________ | $________ |
| Entertainment | $________ | $________ |
| Subscriptions | $________ | $________ |
| Hobbies | $________ | $________ |
| Health Insurance | $________ | $________ |
| Life Insurance | $________ | $________ |
| Credit Card | $________ | $________ |
| Student Loan | $________ | $________ |
| Other Debt | $________ | $________ |
| Emergency Fund | $________ | $________ |
| Retirement | $________ | $________ |
| Sinking Funds | $________ | $________ |
| Other Goals | $________ | $________ |
| Charity | $________ | $________ |
| Gifts | $________ | $________ |
| Buffer/Fun Money | $________ | $________ |
| Other: | $________ | $________ |
| Other: | $________ | $________ |
Free template from kakeibo-templates.com
Zero-Based Budget Template
Give every dollar a purpose with this zero-based budgeting template. Your income minus expenses should equal exactly zer...
Bi-Weekly Budget
Budget by Paycheck, Not by Month
kakeibo-templates.com
ASSIGN BILLS TO PAYCHECKS
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| Total | $________ |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| Total | $________ |
VARIABLE EXPENSES (Split Between Paychecks)
| Category | From PC 1 | From PC 2 | Total |
|---|---|---|---|
| Groceries | $________ | $________ | $________ |
| Gas | $________ | $________ | $________ |
| Dining Out | $________ | $________ | $________ |
| Entertainment | $________ | $________ | $________ |
| Personal | $________ | $________ | $________ |
| Other | $________ | $________ | $________ |
| Total Variable | $________ | $________ | $________ |
SAVINGS (Split Between Paychecks)
| Goal | From PC 1 | From PC 2 | Total |
|---|---|---|---|
| Emergency Fund | $________ | $________ | $________ |
| Retirement | $________ | $________ | $________ |
| Sinking Funds | $________ | $________ | $________ |
| Other Savings | $________ | $________ | $________ |
| Total Savings | $________ | $________ | $________ |
PAYCHECK SUMMARY
Twice a year, you'll receive 3 paychecks in one month! Plan to use extra paycheck for:
Free template from kakeibo-templates.com
Bi-Weekly Budget Template
Budget by paycheck, not by month. This bi-weekly budget template helps you allocate each paycheck to specific bills and ...
Cash Envelope Budget
Allocate Cash for Intentional Spending
kakeibo-templates.com
MONTHLY CASH BUDGET
MY CASH ENVELOPES
| Date | Description | Spent | Left |
|---|---|---|---|
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| Date | Description | Spent | Left |
|---|---|---|---|
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| Date | Description | Spent | Left |
|---|---|---|---|
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| Date | Description | Spent | Left |
|---|---|---|---|
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| Date | Description | Spent | Left |
|---|---|---|---|
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| Date | Description | Spent | Left |
|---|---|---|---|
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| Date | Description | Spent | Left |
|---|---|---|---|
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| Date | Description | Spent | Left |
|---|---|---|---|
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
CUSTOM ENVELOPES
| Date | Description | Spent | Left |
|---|---|---|---|
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| Date | Description | Spent | Left |
|---|---|---|---|
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
| ___/___ | ________ | $____ | $____ |
ENVELOPE SUMMARY
| Envelope | Budgeted | Spent | Remaining |
|---|---|---|---|
| Groceries | $________ | $________ | $________ |
| Dining Out | $________ | $________ | $________ |
| Gas/Transport | $________ | $________ | $________ |
| Entertainment | $________ | $________ | $________ |
| Personal Care | $________ | $________ | $________ |
| Clothing | $________ | $________ | $________ |
| Gifts | $________ | $________ | $________ |
| Miscellaneous | $________ | $________ | $________ |
| TOTAL | $________ | $________ | $________ |
• When an envelope is empty, stop spending in that category
• If you overspend, borrow from another envelope and note it
• Leftover cash can roll over or go to savings
• Review and adjust envelope amounts monthly
BORROWED BETWEEN ENVELOPES
| Date | From Envelope | To Envelope | Amount |
|---|---|---|---|
| ___/___ | ________________ | ________________ | $________ |
| ___/___ | ________________ | ________________ | $________ |
| ___/___ | ________________ | ________________ | $________ |
| ___/___ | ________________ | ________________ | $________ |
Free template from kakeibo-templates.com
Envelope Budget Template
The classic cash envelope budgeting system in printable form. Perfect for controlling spending in categories where you t...
Kakeibo Templates
Master the Japanese art of mindful budgeting with these Kakeibo-style templates.
Kakeibo
家計簿 - The Japanese Art of Mindful Budgeting
kakeibo-templates.com
START OF MONTH REFLECTION
How much money do I have available?
How much would I like to save?
How much am I spending?
How can I improve?
INCOME (収入)
| Date | Source | Amount |
|---|---|---|
| ____/____ | ¥/$ __________ | |
| ____/____ | ¥/$ __________ | |
| ____/____ | ¥/$ __________ | |
| ____/____ | ¥/$ __________ | |
| ____/____ | ¥/$ __________ | |
| Total Income | ¥/$ __________ | |
FIXED EXPENSES (固定費)
| Expense | Amount |
|---|---|
| Rent/Mortgage | ¥/$ __________ |
| Utilities | ¥/$ __________ |
| Insurance | ¥/$ __________ |
| Phone/Internet | ¥/$ __________ |
| Subscriptions | ¥/$ __________ |
| Other Fixed | ¥/$ __________ |
| Total Fixed | ¥/$ __________ |
SPENDING BY CATEGORY
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| Subtotal | $______ | |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| Subtotal | $______ | |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| Subtotal | $______ | |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| Subtotal | $______ | |
MONTHLY SUMMARY
END OF MONTH REFLECTION
What went well this month?
What could I improve?
What will I do differently next month?
Free template from kakeibo-templates.com
Classic Kakeibo Template
The original Japanese Kakeibo budgeting template with monthly income tracking, expense categories (Needs, Wants, Culture...
KAKEIBO
kakeibo-templates.com
Daily Expenses
| Date | Description | Category | Amount |
|---|---|---|---|
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ |
Weekly Summary
Monthly Totals
Monthly Reflection
What worked well?
What to improve next month?
kakeibo-templates.com
Minimal Kakeibo Template
A streamlined Kakeibo template for people who want the benefits of mindful budgeting without the complexity. Simple, cle...
Family Budget Planner
Managing Household Finances Together
kakeibo-templates.com
HOUSEHOLD INCOME
FIXED HOUSEHOLD EXPENSES
| Expense | Budgeted | Actual | Who Pays |
|---|---|---|---|
| Mortgage/Rent | $________ | $________ | P1P2J |
| Property Tax/HOA | $________ | $________ | P1P2J |
| Home Insurance | $________ | $________ | P1P2J |
| Utilities (Electric) | $________ | $________ | P1P2J |
| Utilities (Gas/Water) | $________ | $________ | P1P2J |
| Internet/Cable | $________ | $________ | P1P2J |
| Cell Phones | $________ | $________ | P1P2J |
| Car Payment(s) | $________ | $________ | P1P2J |
| Auto Insurance | $________ | $________ | P1P2J |
| Health Insurance | $________ | $________ | P1P2J |
| Life Insurance | $________ | $________ | P1P2J |
| Childcare/School | $________ | $________ | P1P2J |
| Total Fixed | $________ | $________ |
VARIABLE EXPENSES
| Category | Budgeted | Actual |
|---|---|---|
| Groceries | $________ | $________ |
| Gas/Transportation | $________ | $________ |
| Dining Out | $________ | $________ |
| Entertainment | $________ | $________ |
| Kids Activities | $________ | $________ |
| Clothing | $________ | $________ |
| Personal Care | $________ | $________ |
| Household Items | $________ | $________ |
| Pets | $________ | $________ |
| Other | $________ | $________ |
| Total Variable | $________ | $________ |
FAMILY SAVINGS
| Emergency Fund | $________ |
| Retirement | $________ |
| Kids College | $________ |
| Vacation Fund | $________ |
| Home Repairs | $________ |
| Other Goals | $________ |
| Total Savings | $________ |
DEBT PAYMENTS
| Credit Card 1 | $________ |
| Credit Card 2 | $________ |
| Student Loan | $________ |
| Personal Loan | $________ |
| Medical Debt | $________ |
| Other Debt | $________ |
| Total Debt Payments | $________ |
MONTHLY SUMMARY
THIS MONTH'S FAMILY GOALS
NOTES & DISCUSSION POINTS
Free template from kakeibo-templates.com
Family Budget Kakeibo Template
A Kakeibo-style budget template designed for families. Track household income from multiple sources, shared expenses, in...
Debt Payoff Templates
Get out of debt faster with these payoff trackers and planners.
Savings Trackers
Track your savings goals and watch your money grow.
Lifestyle & Travel
Specialized templates for travel, weddings, and life events.
How to Choose the Right Budget Template
Choosing the right budget template depends on your financial goals, budgeting experience, and personal preferences. Here is a quick guide to help you pick the perfect template:
For Budgeting Beginners
If you are new to budgeting, start with the 50/30/20 Budget Template or the Monthly Budget Template. These templates provide structure without overwhelming complexity. The 50/30/20 rule (50% needs, 30% wants, 20% savings) gives you a simple framework that works for most incomes. Learn more in our complete guide to the 50/30/20 rule.
For Mindful Spending
If you want to understand why you spend, not just what you spend on, try the Classic Kakeibo Template. This Japanese budgeting method uses reflection questions to build awareness around your spending habits. Research shows that manual tracking (pen and paper) creates more mindfulness than automated apps. Discover the psychology behind why Kakeibo works.
For Getting Out of Debt
If debt payoff is your priority, use the Debt Payoff Tracker. It supports both the debt snowball method and the debt avalanche method. Visualizing your progress keeps you motivated on the journey to becoming debt-free. Also check out how to budget when you are in debt.
For Maximum Control
If you want to assign every dollar a purpose, the Zero-Based Budget Template is your best choice. With zero-based budgeting, your income minus expenses equals exactly zero — every dollar has a job. This method requires more effort but provides maximum control over your finances.
For Bi-Weekly Paychecks
If you are paid every two weeks (not monthly), the Bi-Weekly Budget Template helps you assign specific bills to each paycheck. This prevents the common problem of running out of money before payday because your bills did not align with your pay schedule. See how to apply Kakeibo when living paycheck to paycheck.
Building Your Savings
Use the Savings Tracker Template to visualize progress toward multiple goals. Learn how much you should save in your emergency fund and discover the power of sinking funds for planned expenses.
Learn More About Budgeting
Master your finances with our in-depth guides. These articles will help you understand different budgeting methods and build lasting financial habits.
How to Create a Budget: Complete Guide
What is Kakeibo? Japanese Budgeting
The 50/30/20 Budget Rule Explained
Zero-Based Budgeting Explained
Debt Snowball vs Avalanche Method
Emergency Fund: How Much to Save
Sinking Funds: Complete Guide
The Psychology of Kakeibo
Why Budgets Fail Without Reflection
Frequently Asked Questions
What is the best budget template for beginners?
For beginners, we recommend the 50/30/20 Budget Template or the Monthly Budget Template. Both are simple to use and don't require extensive budgeting knowledge. The 50/30/20 template automatically calculates how much to spend on needs (50%), wants (30%), and savings (20%).
Are these budget templates really free?
Yes! All our budget templates are 100% free to download and use. No email required, no hidden fees, no premium upsells. We believe everyone deserves access to quality budgeting tools.
What format should I choose: PDF, Excel, or Google Sheets?
Choose PDF if you prefer to print and write by hand (research shows handwriting improves retention). Choose Excel if you want automatic calculations on your computer. Choose Google Sheets if you want to access your budget from any device or share it with a partner.
What is Kakeibo and how is it different from other budgeting methods?
Kakeibo is a Japanese budgeting method created in 1904 that emphasizes mindful spending through pen-and-paper journaling. Unlike apps that automate tracking, Kakeibo requires manual entry which creates awareness. It uses four expense categories (Needs, Wants, Culture, Unexpected) and reflection questions to help you understand WHY you spend, not just what you spend on.
Ready to Take Control of Your Finances?
Download your free budget template today and start your journey to financial freedom. No email required — just click and download.