How do we handle different spending habits as a couple?

The template separates shared household expenses from individual discretionary spending. This allows each person autonomy while ensuring bills and savings goals are met first.

What if we have unequal incomes?

Many couples contribute proportionally rather than equally. The template lets you track total household income and decide together how to allocate it, regardless of who earns what.

How do we track kids expenses?

The dedicated Kids section includes childcare, school costs, activities, clothes, and allowances. This helps families see the true cost of raising children and plan accordingly.

Should we combine finances or keep them separate?

This template works with either approach! You can track everything jointly or maintain separate personal spending sections. The key is having visibility into total household finances.

Family Budget Planner

Managing Household Finances Together

kakeibo-templates.com

Month:

Year:

HOUSEHOLD INCOME

Partner 1

Primary Income:$__________

Side Income:$__________

Subtotal:$__________

Partner 2

Primary Income:$__________

Side Income:$__________

Subtotal:$__________

Total 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	$________	$________

P1 = Partner 1 | P2 = Partner 2 | J = Joint Account

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

Total Income:$__________

− Fixed Expenses:$__________

− Variable Expenses:$__________

− Savings:$__________

− Debt Payments:$__________

Remaining

$__________

Under Budget

Over Budget

THIS MONTH'S FAMILY GOALS

Goal 1

Completed

Goal 2

Completed

Goal 3

Completed

NOTES & DISCUSSION POINTS

Free template from kakeibo-templates.com

FREEintermediate

View Full Template

PDFPrintable

Family Budget Template - Household Expense Tracker (Free PDF)

A Kakeibo-style budget template designed for families. Track household income from multiple sources, shared expenses, individual spending, and family savings goals.

Time Required

15-20 min/week

Difficulty

intermediate

Preview & Print Template

Free to use • Print or save as PDF • No email required

How to Use This Template

Download Together

Have both partners review the template before starting

Combine Income

Enter all household income sources at month start

Categorize Expenses

Decide what counts as shared vs individual spending

Track Throughout Month

Each person logs their individual purchases

Weekly Money Date

Review together using the discussion prompts

Monthly Family Review

Celebrate wins and adjust the plan together

Frequently Asked Questions

Related Templates

Kakeibo

家計簿 - The Japanese Art of Mindful Budgeting

kakeibo-templates.com

Month:

Year:

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	¥/$ __________

Available for Spending:Income (________) − Fixed (________) = ¥/$ __________

SPENDING BY CATEGORY

NEEDS (生活費)

Essential expenses for daily life

___/___	________	$______
___/___	________	$______
___/___	________	$______
___/___	________	$______
___/___	________	$______
___/___	________	$______
Subtotal		$______

WANTS (娯楽費)

Non-essential pleasures

___/___	________	$______
___/___	________	$______
___/___	________	$______
___/___	________	$______
___/___	________	$______
___/___	________	$______
Subtotal		$______

CULTURE (自己投資)

Books, education, self-growth

___/___	________	$______
___/___	________	$______
___/___	________	$______
___/___	________	$______
___/___	________	$______
___/___	________	$______
Subtotal		$______

UNEXPECTED (その他)

Unplanned or emergency expenses

___/___	________	$______
___/___	________	$______
___/___	________	$______
___/___	________	$______
___/___	________	$______
___/___	________	$______
Subtotal		$______

MONTHLY SUMMARY

Total Income:¥/$ __________

− Fixed Expenses:¥/$ __________

− Needs:¥/$ __________

− Wants:¥/$ __________

− Culture:¥/$ __________

− Unexpected:¥/$ __________

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, e...

Monthly Budget

kakeibo-templates.com

Month:

Year:

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

Total Income:$____________

Total Expenses:$____________

Total Savings:$____________

Remaining:$____________

Free template from kakeibo-templates.com

Monthly Budget Template

A comprehensive monthly budget template that helps you track income, fixed expen...

Savings Goal Tracker

kakeibo-templates.com

MY SAVINGS GOALS

Goal #1

Target Amount:$__________

Target Date:____/____/____

Monthly Savings Needed:$__________

Progress_____% complete

$0Current: $________

Goal #2

Target Amount:$__________

Target Date:____/____/____

Monthly Savings Needed:$__________

Progress_____% complete

$0Current: $________

Goal #3

Target Amount:$__________

Target Date:____/____/____

Monthly Savings Needed:$__________

Progress_____% complete

$0Current: $________

Goal #4

Target Amount:$__________

Target Date:____/____/____

Monthly Savings Needed:$__________

Progress_____% complete

$0Current: $________

MONTHLY CONTRIBUTIONS

Date	Amount	New Balance
___/___	$________	$________
___/___	$________	$________
___/___	$________	$________
___/___	$________	$________
___/___	$________	$________
___/___	$________	$________
___/___	$________	$________
___/___	$________	$________
___/___	$________	$________
___/___	$________	$________
___/___	$________	$________
___/___	$________	$________
___/___	$________	$________
___/___	$________	$________
___/___	$________	$________