• Credit cards
  • View all credit cards
  • Banking guide
  • Loans guide
  • Insurance guide
  • Personal finance
  • View all personal finance
  • Small business
  • View all small business
  • View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

Free Budget Planner: Tips For Getting Started

Lauren Schwahn

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

What is a budget planner?

A budget planner is a tool, such as a worksheet, that you can use to design your budget. A successful budget planner helps you decide how to best spend your money while avoiding or reducing debt. NerdWallet recommends the 50/30/20 budget , which suggests that 50% of your income goes toward needs, 30% toward wants and 20% toward savings and debt repayment.

worksheet for saving money

Create a budget plan that works for you

Before choosing a budget planner, you want to decide on a budgeting system . As mentioned, you could get started with the 50/30/20 budget, if it resonates with you. There are also other budgeting systems that organize your spending in different ways. The zero-based budget , for example, accounts for every dollar in your budget until there are zero remaining.

Once you’ve chosen your system, you can move on to picking a budget planner to help break down your budget and put the numbers into perspective. The best budget planner is one that’s easy to use and stick with. No matter which budget planner you decide to use, take some time to tweak your approach and adjust your spending as needed until you reach your ideal budget.

And if a hands-on monthly budget planner isn’t working for you, consider one of these budget apps . Most of them sync with your financial accounts, so they can track and categorize expenses for you. Keep in mind that some budgeting apps are free, while others charge a monthly or annual fee.

If you can’t make your ideal budget a reality, or if you’re struggling to get a handle on your finances, budgeting might not be enough for you. Explore other options, such as seeking expert financial advice or resources that can help you pay bills .

Budget planner

Use the free printable budget worksheet below to see how your spending compares with the 50/30/20 budget guide.

If this budget sheet isn’t right for you, try another tool. Explore other budget spreadsheets and templates , or download a budget app. For a more simplified snapshot, try our budget calculator .

For other money matters, check out more financial calculators from NerdWallet.

worksheet for saving money

On a similar note...


on Capitalize's website

  • Search Search Please fill out this field.
  • Financial Planning
  • Saving Money

Budget Worksheet to Manage Your Savings Goals

worksheet for saving money

Tips for Using a Budget Worksheet

Immediate and emergency goals, mid-term goals, long-term goals, how to manage your savings.

 JGI/Jamie Grill / Getty Images

Saving is more than just the amount of money you have left at the end of the month. It's an essential component of your budget.

Unfortunately, it's easy to forget to include your savings goals in your budget . And if you don't keep track of your savings goals, you are likely to spend your extra money on non-essential purchases, or accidentally suffer lifestyle inflation, instead.

When you include your savings goals in your budget, you create a comprehensive view of your finances. This understanding of your money—spending, saving, and earning—will help you take control of your financial life and reach your savings goals faster. Set up multiple savings accounts so you have one account for each of your goals.

If you want to start saving and making progress with your goals, this budget worksheet will help you list your goals, compare them with how much you can realistically budget towards savings, and rank your financial priorities.

Before you start, make a list of the financial goals you are working toward. These can be big or small, short- or long-term, such as:

  • Create an emergency fund
  • Buy a new car
  • Save a down payment for a home
  • Splurge on a vacation
  • Pay for a wedding or honeymoon
  • Save for retirement
  • Build an education fund for yourself or your children
  • Pay of student loans

Once you know your goals, determine how much you want to save for each one. Then decide on a deadline by which you want to have that amount saved.

This deadline will help you calculate how aggressively you need to save. Divide your goal by the number of months until your deadline to determine how much you should set aside each month.

For example, if you want to have $12,000 saved for a wedding within one year:

$12,000 goal /12 months = $1,000 each month in savings

Complete the tables below, add your totals, and compare this to the amount you're able to save. You can get this number by filling out the income and necessities worksheet and the discretionary spending worksheet .

At the end of the month, write down how much you saved so that you can compare it to your goals. Depending on whether you saved more or less than you intended, you can adjust your next month's savings up or down.

Immediate and emergency goals are savings you may need at any point. They are the savings you rely on when life's emergencies arise and should be your first priority when saving.

You should have three to six months of living expenses set aside in case you lose your job.

These are non-emergency goals, and they can either be optional spending or life goals you want to meet. Most of them will fall within a one to 10-year timespan.

Your goals will change as your life changes. Reassess your mid-term goals every year to make sure that you are carefully planning for your future spending.

Long-term goals are easy to lose sight of when you have more immediate priorities to save for. However, they are often the most expensive, and starting to save early can help you take advantage of compound interest to save more easily.

For some people, these goals may have a shorter time horizon, for example, if you are retiring within a decade. Adjust these goals into the mid-term category as needed.

If your goals cost more than the amount you can save, you have four options:

  • Cut your spending
  • Increase your income
  • Reduce the number of your goals
  • Extend the deadline for your goals

If your savings rate exceeds your goals, you can consider adding a new goal or saving more to accelerate your progress toward your current goals.

One of the easiest ways to manage your savings is to set up an automatic withdrawal system . 

Many banks, especially online banks, allow you to have multiple savings accounts . If that's not the case for your bank, or if it's a hassle to set up, look into other banks that have this option.

The easier it is to save, the more likely you are to do it, so you want to make the system as simple as possible. 

Set up multiple savings accounts and name each for one of your goals to help you more easily track your progress. For example, you can have a wedding account, a down payment account, a car repair account, and more. 

Once these accounts are set up, link your main checking account to them if they are at a different bank. You'll usually be prompted to do this while you're setting up automatic transfers. 

Once everything is set up, use the numbers from the worksheet to determine how much money you should transfer to each account. Set up automatic transfers, preferably immediately after each payday , to make saving as automatic as possible.

Depending on your bank, you can choose to do weekly, bi-weekly, twice-a-month, or monthly transfers. Choose the option that works best for your pay schedule and spending habits.

The Best Budgeting Templates to Manage Your Money

Managing money comes down to creating a sound financial plan, and these budget spreadsheets can help.

The Best Budgeting Templates

Budget, accounting and businessman in his home with laptop and paperwork for financial planning, document or profit review. Black man entrepreneurship or home finance analysis of bills or bank loan

Getty Images

For those who are ready to take the leap into budgeting, creating a spreadsheet from scratch isn’t necessary. You can save time and hassle by using a premade budget worksheet.

Whether you’re trying to break the cycle of living paycheck to paycheck, get out of debt or build savings, a well-laid-out budget can help you reach your goals faster.

“A budget helps you reach your financial goals because it gives you a full understanding of your spending and saving,” says Jim Wang, founder of the personal finance blog Best Wallet Hacks. “This helps you find areas where you can cut back on your spending so you can increase your savings elsewhere.”

Start Simple

Budgeting can often feel intimidating , so Bobbi Rebell, certified financial planner and founder and CEO of Financial Wellness Strategies, suggests starting simple.

"Look at your available income and write down your priorities, then work from there and see where you can make adjustments,” she says.

Some templates let you manually enter your information for free, or you can subscribe to a service that imports your financial data on a regular basis for effortless financial tracking .

Here’s a look at five of the best budget spreadsheets to begin your journey to financial wellness:

  • The Budget Mom’s Budget Packet.
  • Google Sheets.
  • Microsoft Excel.

Please note that the popular app Mint will be shut down by owner Intuit as of Jan. 1, 2024, so it's not in this list; Intuit will integrate its user base into Credit Karma.

The Budget Mom’s Budget Packet

Sometimes, putting pen to paper helps you feel more connected to the habits you’re tracking, which makes the Monthly Budget Packet from TheBudgetMom a great resource for budgeting newbies, Rebell says.

This free, printable template provides a detailed income and expense tracking chart where you enter items such as fixed and variable expenses, debt and savings. You even get a bill tracker and monthly spending chart, so you have plenty of options to test which works best for your money management needs and preferences.

Google Sheets

Create a customized budget spreadsheet or grab a ready-to-go template through Google Sheets , which makes tracking finances easy. With many budgeting templates to choose from, you can find a tracking chart that fits your needs, whether you’re looking to manage your budget on a weekly or monthly basis, or you want a budgeting template for a specific event like a wedding or upcoming vacation.

Google Sheets offers built-in categories along with formulas that make calculating expenses against income easy. Some even come with preformulated charts and graphs to help you visualize your overall financial picture.

You can also filter expenses by category and send queries about certain purchases directly to your partner’s email through the spreadsheet. Another benefit of Google Sheets is that it’s easy to share with family members, and you can access it across multiple devices if you save it in Google Drive.

Microsoft Excel

If you have Microsoft Office, consider Microsoft Excel for your budgeting needs. Its suite of budgeting templates is designed to fit many different financial needs from personal family expenses to basic monthly budgeting to specific financial tracking for holidays, weddings, vacations and more. If you prefer to create your own customized template, basic Excel skills will get the job done.

Vertex42 enables you to choose from a variety of free spreadsheets , including income and expense tracking, personal monthly budgets and more.

For those who need help managing spending on a day-to-day basis, the budget calendar template allows you to track expenses using a calendar format that shows you when monthly bills need to be paid. It also includes daily account balances to help you avoid overdraft charges on your account.

Before you download any template, you can click on the link of the budgeting worksheet for a full description and screenshot of the layout to see if it will work for you.

Entering your own financial data into a budget spreadsheet can be tedious, so Tiller offers a solution. It streamlines your financial accounts and automatically updates a budget template in Google Sheets or Microsoft Excel with your spending, income and balances each day. This helps take the work out of tracking your finances, which is a hurdle many people face in taking control of their money, Wang says.

You can create your own budget spreadsheet or use an existing template, which gives you more flexibility to meet your personal needs. After a free 30-day trial, Tiller is $79 a year. Tiller also offers a free, nonautomated budgeting template .

How to Calculate Your Net Worth

Geoff Williams Nov. 28, 2022

Cropped shot of Asian woman sitting at dining table, handling personal finance with laptop. She is making financial plan and planning budget as she go through her financial bills, tax and expenses at home. Wealth management, banking and finance concept

Tags: money , personal finance , personal budgets

Popular Stories

worksheet for saving money

Family Finance

worksheet for saving money

Credit Cards

worksheet for saving money

Personal Loans

worksheet for saving money


Kohl's Coupons

worksheet for saving money

Wayfair Coupons

worksheet for saving money

Lowe's Coupons

worksheet for saving money

Best Buy Coupons

worksheet for saving money

Walmart Promo Codes

worksheet for saving money

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

worksheet for saving money

Your Money Decisions

Advice on credit, loans, budgeting, taxes, retirement and other money matters.

You May Also Like

Best ways to spend your tax refund.

Emily Sherman Feb. 22, 2024

8 Business Books for Entrepreneurs

Jessica Walrack Feb. 22, 2024

Winning Strategies for Small Businesses

Erica Lamberg Feb. 22, 2024

Issues Impact Money

Erica Sandberg Feb. 21, 2024

Fastest Way to Get Your Tax Refund

Kimberly Lankford Feb. 21, 2024

worksheet for saving money

Financial Check-ins for Couples

Jessica Walrack Feb. 21, 2024

worksheet for saving money

IRS Offer in Compromise: What to Know

Emily Sherman Feb. 20, 2024

worksheet for saving money

Loud Budgeting

Erica Sandberg Feb. 20, 2024

worksheet for saving money

How to File Taxes for Free

Jessica Walrack Feb. 20, 2024

worksheet for saving money

The Best Days to Shop in 2024

Geoff Williams Feb. 16, 2024

worksheet for saving money

22 Legal Secrets to Reduce Your Taxes

Maryalene LaPonsie Feb. 16, 2024

worksheet for saving money

How to Save Money on Your Phone Bill

Jessica Walrack Feb. 14, 2024

worksheet for saving money

Beat Shrinkflation

Erica Sandberg and Tanza Loudenback Feb. 13, 2024

worksheet for saving money

First Date Payments

Erica Sandberg Feb. 13, 2024

worksheet for saving money

10 Affordable Valentine's Day Date Ideas

Geoff Williams Feb. 8, 2024

worksheet for saving money

Super Bowl Commercial Cost

Emily Sherman Feb. 8, 2024

worksheet for saving money

20 Cheap Valentine's Day Gift Ideas

Geoff Williams Feb. 7, 2024

worksheet for saving money

Cosmetic Services vs. Home Beauty

Erica Sandberg Feb. 6, 2024

worksheet for saving money

Going to the Super Bowl Is Mighty Pricey

Erica Lamberg Feb. 5, 2024

worksheet for saving money

From Side Gigs to $100K+ Incomes

Jessica Walrack Jan. 30, 2024

worksheet for saving money

40 Free Budget Printables to Save Money in 2023

Silas & grace.

worksheet for saving money

It doesn’t matter what time of the year it is, it’s always a great time to get your finances in order. And why not do it with some awesome and free budget printables?

Seriously guys, one of my favorite things that other bloggers make are printables. And the fact that they do it for budgets and finances too is really cool.

I mean online or app budget keepers are great , don’t get me wrong. But for some of us, we really like something that’s tangible (especially if it’s kinda cute.)

Down below I found some free printable budget worksheets that’ll help you organize your finances and get your budget under control.

Let’s check them out!

Free Budget Printables:

  • Monthly Budget Printables (#1-3)
  • Meal Planning Printables (#4-13)
  • Family Budget Printables (#14-18)
  • Bill Checklist Printables (#19-20)
  • Paying Off Debt Printables (#21-23)
  • Shopping List Printables (#24-29)
  • Cash Budget Printables (#30-33)
  • Printables For Spouses (#34-35)
  • Other Free Budget Printables (#36-39)
  • The 2019 Budget Binder (#40)

Before we launch into our list, check out these cash envelopes you can download from our store right now!

Monthly Budget Printables

1. monthly budget sheets & envelope printables.

Elizabeth over at Frugal Mom(eh) has not only created this printable for monthly budget sheets, but she’s also created these really cute envelopes that go with it.

I think this one’s good for those who have an eye for the aesthetic.

2. My Favorite Monthly Budget Worksheet

Just another great way to track your budget with a free budget planner made by a creative blogger, Erin.

In fact, she’s recently updated them because people were saying its the best budget printable they’d ever used and she wanted to make it even better!

Other Monthly Budget Printables:

  • Monthly Budget Sheet by A Cultivated Nest

Return to Table of Contents

Meal Planning Printables

4. weekly meal planner.

Ginny over at Savor + Savvy made a cute little meal planner that I really like.

It’s designed for those who do reverse meal-planning and includes 15 lines for all the pantry items you may need to stock up on while preparing for all these meals.

This is a whole lot more fun than writing it out on a notebook (gives more of an incentive to actually plan…right?)

5. Monthly & Weekly Meal Planner

Alternatively, Printable Crush offers a more comprehensive and free monthly & weekly meal planner printable PDF.

This one is great if you’re looking for something a bit more thorough and comprehensive than the one mentioned above.

Other Meal Planning Printables:

  • Weekly Menu Planner by Faith Filled Food For Moms
  • Free Printable Meal Planner Bundle by Dear Crissy (you need to provide an email address to get this one)
  • The Ultimate Menu Planner by Home Made By Carmona
  • Free Printable Weekly Dinner Menu by Extreme Couponing Mom
  • Free Printable Weekly Dinner Menu by Simplistically Living
  • Free Printable Weekly Meal Planner Template by Paper Trail Designs
  • Erin Condren Snap-in Meal Planner & To-Do List by Where The Smiles Have Been
  • Meal Planning Printable by Crystal & Co.

Family Budget Printables

14. family binder budgeting printables.

Now this is a great way to get organized with your family on financial goals. These are awesome budget worksheets made by Jenn, a handy mother of two, to help get everyone on the same page.

I personally find these sheets comprehensive and empowering.

15. Family Budget Worksheet

When Janel was newly married she felt underprepared for budgeting. Rather than let her finances slip out of control she, alongside her family, decided to really have a crack at this whole budgeting thing.

Janel ended up making this free budget worksheet printable so you too can evaluate where your money is going and what your actual needs are.

Other Family Budget Printables:

  • Free Family Budget Printable by A Spectacled Owl
  • Family Budget Worksheet Printable by Wondermom Wannabe (you need to provide an email address to get this one)
  • The Harmonized House Project by World Label Blog

Bill Checklist Printables

19. monthly bill payment checklist.

Another one from Janel (mentioned just above ), this monthly bill payment checklist printable is SO handy.

Just jot down chronologically all the bills that come through in a month and use this worksheet to help you easily manage your balances.

20. Bill Tracker

Alli from Scattered Squirrel has made a handy bill tracker printable.

She recommends using the first column “Day” to track your pay-by-date for bills or to track the day you actually pay the bill, and the rest is pretty self-explanatory.

Paying Off Debt Printables

21. debt payoff planner.

Janel has also made (because she’s a printable-making superstar!) a Debt Payoff Planner worksheet to help you manage and keep on track in paying off all your debts.

22. Soon To Be Debt Free Workbook

Lindsay from One Beautiful Home has generously offered her workbook Soon To Be Debt Free to the world for free!

It includes 37+ pages to help you set your budget, stick to it, and to get out of debt. So comprehensive.

It is set for the year 2015, but it is still usable for today!

Other Paying Off Debt Printables:

  • Free Printable Debt Snowball Worksheet by A Cultivated Nest

Shopping List Printables

24. editable grocery list.

Don’t blow your budget by buying those extra items at the grocery store you actually don’t need. Or am I the only person who does that?

Often times you can forget to write a grocery list, but it’ll be a lot easier when you have a gorgeous printable like this to fill in what you need.

Better yet, it’s editable by opening up the PDF file on Adobe Reader or on a similar software.

25. Printable Budget Shopping List Set

Heidi from Simplee Thrifty is giving away 3 free printables to help you save while you shop!

Perfect for those who want to stay organized when shopping while also saving a few dollars.

Other Grocery List Printables:

  • An Organized Grocery List Free Printable by Just A Girl and Her Blog
  • Grocery Checklist Free Printable by Organize Your Stuff Now
  • Free Printable Grocery List by Ask Anna Moseley
  • DIY Free Printable Grocery Shopping List by Pinch A Little Save A Lot

Cash Budget Printables

30. cash budget envelope printables.

I really love Lauren’s envelope printables. They’re super creative and a cute way to make sure you don’t overspend when at the store.

They say it takes 90 days to begin a new habit, and so that’s why Lauren and her husband Mark decided to do this challenge for 90 days. And guess what? 90 days later they were still going strong.

There’s really something psychological about having to budget and pay for things with cash—it’s somehow more emotional seeing all that paper leave your possession and be passed onto someone else.

It’s worked so well for Lauren and Mark. Who knows? Maybe it’ll work for you too?

31. Cash Envelope Template

Another offering from Ginny at Savor + Savvy, these cute (and super streamline) envelopes are perfect for those who like the concept of cash envelopes but wished they were a bit more practical and “on-the-go”.

These envelopes fit in your wallet and you can count what you need from the envelopes without actually taking them out of your wallet.

Perfect for convenience and budgeting while out and about!

Other Cash Budget Printables:

  • Envelope Budgeting System – Free Printable Envelopes by A Cultivated Nest
  • Free Strawberry Lemonade Printable Cash Envelope System by Food Life Design

Printables For Spouses

34. spouse weekly planning meeting.

Money can become a real source of tension with spouses. Tensions relating to money aren’t just about how much (or little) of it we have, but it’s also related to how we use our money.

After all, how we spend our money ultimately reveals our priorities and perspectives on life.

So the Dating Divas came up with the great idea of Spouse Weekly Planning Meeting printables!

Not only does it get you on the same page with your spouse and help things run smoother, but it also helps you both save money and have a tangible goal to work towards.

So for instance, it has meal planning sections which will ensure that you both don’t overspend when shopping. Pretty nice right?

35. Frugal Date Ideas Printable

Life isn’t just about budgeting! As a bonus, here are 30 frugal date ideas found from Natural Beach Living.

Although candlelit dinners are nice, Kimberly over at Natural Beach Living shares how much fun she’s had kicking her husband’s butt playing video games, or making pizza together.

Download it, print it off, and stick it on your fridge so that throughout the week you can plan your next inexpensive date together!

Other Free Budget Printables

  • Finance Binder Cover by Savor and Savvy (free binder covers for a finance binder, home planner binder or recipe binder)
  • Free 52 Week Money Saving Challenge Printable by Simplistically Living
  • Vacation Budget Worksheet Printable by Living Well Spending Less
  • Free Printable Budget Planning Kit by Encouraging Budgeter (you need to provide an email address to get this one)

40. The 2019 Budget Binder

If you’re looking for the ultimate budgeting experience for 2019 then I recommend the 2019 Budget Binder .

This monthly budget binder is a great way to make sure you’re organized with your budget all throughout the year. No need to print out a new budget sheet every week, this site’s got you covered for all of 2019!

I feel like some people think that starting a budget is intimidating, especially when their finances seem out of control. But starting one can help you save money for emergencies and not live paycheck to paycheck.

And that’s why I appreciate these awesome free budget planners done by these great bloggers. They actually took the time to help out their readers and give them something free that’ll help them in the long run.

Now if you have any questions about these free printable budget worksheets, just let me know!

And if you’re looking for more frugal living ideas, check out these dollar store hacks here or how to get free stuff on Wish here !

Join my EXCLUSIVE email list for money saving and making hacks!

Here I'll give you some of the best tips and hacks I have for making and saving money.

So whether you want to increase your income , get out of deb t, or just some simple saving tips, I've got you covered!

Success! Now check your email to confirm your subscription.

There was an error submitting your subscription. Please try again.

' src=

Chasing Foxes was started in 2016 as a way for Grace and her husband, Silas, to start traveling. However, they started to realize that they had a passion for improving themselves, and wanted to help others level up their lives as well. So whether it's with cooking, travel, or staying healthy, they want to help you better your life bit by bit, as they do the same.

' src=

1 thought on “40 Free Budget Printables to Save Money in 2023”

OK, this is wonderful. Keep up the good work. Appreciate all the efforts you put in here. Stay safe!

Leave a Comment Cancel reply

What to learn more.

Explore Our Tips Below!


Food & drink, your weekly newsletter for getting free beautiful printables + help in making your life the one you love to be in..

Household Budget Worksheet

Use this budget worksheet to get control of your monthly living expenses.

  • Newsletter sign up Newsletter

Two people pointing at their smartphones, calculating

A good budget helps you reach your spending and savings goals. Work out a proposed household budget by inputting your sources of income and projected expenses into Kiplinger's exclusive worksheet below. You can add and delete rows as necessary to reflect your personal finances. Return and repeat as you track your actual spending.

Subscribe to Kiplinger’s Personal Finance

Be a smarter, better informed investor.

Sign up for Kiplinger’s Free E-Newsletters

Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.

Profit and prosper with the best of expert advice - straight to your e-mail.

The Kiplinger Letter The labor market is tight in the Plains states and outside of healthcare and construction most sectors are flat or down.

By David Payne Published 21 February 24

The Kiplinger Letter Regional bank stocks were hammered recently after news of New York Community Bank’s big fourth-quarter loss.

By Rodrigo Sermeño Published 21 February 24

Tools Whether you’ve just opened a CD or a high-yield savings account, this simple calculator can show you how much cash you’ll have after a specified period of time.

By Erin Bendig Last updated 31 January 24

umbrella insurance Having too much liability insurance is better than having too little. Use our calculator to determine how much umbrella insurance is right for you.

By Erin Bendig Last updated 5 February 24

  • Contact Future's experts
  • Terms and Conditions
  • Privacy Policy
  • Cookie Policy
  • Advertise with us

Kiplinger is part of Future plc, an international media group and leading digital publisher. Visit our corporate site . © Future US, Inc. Full 7th Floor, 130 West 42nd Street, New York, NY 10036.

worksheet for saving money

23 Free Printable Budget Templates To Use In 2024!

The Best FREE budget templates that are a must-have for 2020. Keep your finances organized with these simple free budgeting templates and printables.

How do I know?

Because I’ve been there and I started with a little ole beginner printable budget worksheet to dig myself out of the trenches and onto a more stable financial situation.

All you need to do to create a personal budget is start looking at the amount of money you’re bringing in on a monthly basis and make sure that your monthly expenses never exceed your total income. You can do that by creating a simple budget that’s easy to follow using one of these printable monthly budget sheets.

And just in case you have you’re preferences, there are plenty to choose from. I’ve gathered up some of the best budget templates I can find for you to get started with the budgeting process, but before we take a look, let’s talk briefly about what exactly are budget templates anyway.

What is a budget template?

Budget templates are simple printable monthly budget sheets that help you compare your income and expenses.

A good budget template should provide a format that allows the user to easily categorize expenses and income — but also help you determine whether you’re making enough money or whether you’re spending too much money.

You can use digital budget templates and printable budget templates as long as both are helping you get a better grasp of your financial situation. Financial freedom is the goal, right?

How Do You Use a Printable Budget Template?

Thankfully, a simple and very basic printable monthly budget sheet is not hard to use.

I started out by using the back of an envelope and then started using a printable budget sheet simply because they were nice to look at and it helped me develop a clear and more concise budgeting method that worked for us.

When I started treating my finances more seriously with these types of budget worksheets, things started to turn around financially and we were able to achieve specific goals with ease!

So, how do you use a printable budget template?

Well, you print it out and gather all of your pay stubs, bank statements, credit card statements, and monthly bills. You will need to know your income and where your money is going each month so these items will help you with that.

Most free printable budget templates include a place to write your income, the name of your expense organized into different budget categories, the amount you’ve budgeted, and the actual amount you’ve spent.

Once you plug those numbers into any of these free printable budgeting worksheets, your budget template should zero out at the bottom. If it doesn’t, no worries…that just means you have work to do. (Thankfully, you’re in the right place!)

Here are some great tips that will help you get started as you create your first budget using one of these printable monthly budget templates.

23 Free Printable Budget Templates That Will Help You Save Your Finances!

Without further delay, let’s take a peek at some of these awesome free printable budget templates that are perfect for your personal use, shall we?

1. FREE Simple Budget Template Printable by Life and a Budget

The Best FREE budget templates that are a must-have for 2020. Keep your finances organized with these simple free budgeting templates and printables.

This printable monthly budget worksheet was created with beginners in mind. Good thing is that it’s blank and totally customizable so you can make this budget template work for you by writing in only the expenses you need to account for.  It also comes in two different colors. This budgeting worksheet has everything you need to start saving money, paying off debt, and having a life! Click on the image above for a free copy of this free budget worksheet.

 Related: Grab a FREE Holiday Budget Worksheet here.

2. Printable Monthly Budget Sheet from Saving Dollars and Sense

budget template

I like this free printable budget template because it includes a starting and ending balance box for your checking and savings accounts. While it doesn’t have much room for varying expenses, it’s still a great beginner printable budget template because it provides you with a birds-eye glance at your finances each month — enough information to get on the right track and that’s the most important thing.

3.  Printable Monthly Budget Templates for Graduates by Organized 31

printable monthly budget sheet

Speaking of beginners, if you’re just graduating, this free printable budget template is perfect for you. It includes all of the different categories one might need to account for straight out of college.

As a graduate, some of these expenses might not be on your radar, but this worksheet makes sure you don’t miss a thing. It accounts for things seasoned adults might think about automatically like insurance premiums and retirement.

4.   Printable Budget Template for Families by Wonder Mom Wanna Be

wonder mom wannabe printable monthly budget sheet

If you have a family and you’re working on creating your first budget, you’ll want to use a family budget worksheet. Wonder Mom Wannabe has a great free printable budget template you should download to get started. I love the notes section she included for her unusual expenses and reminders.

Anyone with a family knows that expenses can change from month to month. One month you may have to contribute to an extracurricular activity and the next month a school party. This printable template is perfect for this type of variation when a specific category may vary from month to month.

5. Zero-Based Printable Budget Template by Moritz Fine Designs

printable monthly budget templates by moritz fine designs

I absolutely love this printable because it’s bright and it’s ZERO-BASED. In case you don’t know what zero-based is, this simply means you’ll budget for every single dollar. You don’t stop budgeting until you have accounted for every cent you’ve brought in for the month.

I always recommend beginners (especially college students) start with zero-based budgeting because it’s a great way to get a handle on your finances. To learn more about zero-based budgeting and other budgeting methods,  check out this article.

6.  Free Printable Budget Template by Uncluttered Simplicity

uncluttered simplicity printable budget template

These budget sheets are available in half and full-size. It’s perfect for those of you who use planners and want something that works with whatever planner you may already be using.  All of the fields are editable too, making it easy for you to customize to your liking.

Even More FREE Printable Budget Templates to Choose From

7.  family printable budget templates by clean and centsible.

free printable budget template by clean and scentsible

Here is another option for budgeting for beginners with families. This set includes a budget-at-a-glance (blank option available too) as well as a budget overview budgeting template. Remember, sometimes simple is better when you’re trying to take control of your finances!

8. Budget Planner Template by Stay at Home Mum

free budget template by stay at home mum

This free printable budget template is perfect for those of you who need an expense tracker too. Not only will you get your budget together, but you’ll also never miss another bill payment either.

9. Printable Monthly Budget Planner Template by Bobbi Printables

printable monthly budget sheet by bobbi printables

This monthly budget template comes in gray or black/white. If you need different sizes, there are instructions on the site to customize it according to your needs. This is perfect if you want a budget tracker without a lot of fuss.

10. Family Printable Monthly Budget Sheets by Scattered Squirrel

monthly family budget by scattered squirrel

This set of free printable budget templates includes all of the basics to help you build your beginner budget. The sheets come in full pages and are double-sided. They are a great addition to your already existing home management system.

11. Free Printable Budget Worksheets by Freebie Finding Mom

free printable budget worksheet by freebie finding mom

Use these printable budget templates to learn exactly where your money is going. You can set realistic long-term and short-term goals and use these budget worksheet templates to find more ways to beef up your savings account.  She also provides a few other free budgeting templates that are worth checking out.

12.  Free Printable Monthly Budget Sheets by Calm and Wave

free printable budget template by calm and wave

These free printable budget templates are super cute and full of bright colors. It includes everything you need to make a basic beginner budget, so definitely check these out if you like colorful additions to your existing budget binder or planner.

13.  Free Printable Budget Worksheet by Printable Crush

free printable budget sheet by printable crush

If you’re looking for another editable budget template option, you should definitely check this one out. Edit it to suit your own financial situation! There is space for your starting balance, goals for the month, and more on these super cute budget printables.

14.   Free Printable Budget Template Worksheet by Pretty Presets

pretty presets free printable budget template

I absolutely love everything about this free printable budget template. Not only is it space for just about all of your normal expenses, but it includes space for you to check off if the bill has been paid or not. This makes it super easy to keep track of the things you pay so you never miss another bill again.

I also like the big area for savings goals. Savings is something you definitely don’t want to overlook when creating your budget. In my opinion, this is what makes budgeting worth it — s eeing your savings grow and your debts decrease!

15. Free Printable Budget Templates by Mom Makes Cents

cute budget planner printable

This free budget template is one of my favorites! It’s colorful and simplistic, which makes it super easy to keep track of your personal finances. This template comes with some other free printables too – a free bill tracker and expense tracker. Be sure to check out this mom’s take on keeping and organizing a budget too. She has some really good advice to share!

16. Family Budget Planner by A Mom’s Take

worksheet for saving money

This family budget worksheet made the cut because it’s colorful and comes in multiple sizes! The major numbers that every budget needs are written across the top – date, monthly income, expenses, etc. She also has a plethora of other printables that you may find useful to include in your money management routine.

17.  Free Printable Monthly Budget Template by Organization Obsessed

worksheet for saving money

Here’s another printable that’s perfect for those of you who like things to be neat and organized into little charts and whatnot. It includes all of the basic expense categories and I like that it accounts for estimates just in case you have any bills that fluctuate on a month-to-month basis.

18.  Budget Planner Printables by The Incremental Mama

worksheet for saving money

These free budget printables are perfect for someone new to budgeting – think recent college grad or someone who is new to living on their own. It has everything you need to create a good starting budget. There is space to write your income, variable or fixed expenses, and your debt and savings. What I like most about this set of free printables is that it comes with a free debt tracker. We all know how much of a strain debt can put on your budget and the debt payment tracker and debt payment goal thermometer are the perfect addition to include in your budgeting routine.

19.  Free Family Budget Printable by A Spectacled Owl

worksheet for saving money

My goal with this round-up is to truly include many different styles of budgeting printables. This household budget template is a great one because it comes with a little progress tracker at the top. The great news is that you don’t have to have an email address to print it out – I love those types of freebies! Speaking of freebies that don’t require any email address…check out the next section for FOUR more free printable budget templates that you can grab right now – no email address needed!

Four FREE Printable Budget Templates That Require No Email

To grab these free printables, simply click on the image and you’ll be directed to an immediate download!

worksheet for saving money

This list definitely includes some of the best free printable budget templates that the webs have to offer. Check a few out and if one of these free printable budget templates doesn’t work for you, try another one next month. Just pin this post so you can find it!

Digital Budget Templates

So, maybe a pen and paper just isn’t your thing. That’s okay! There are plenty of digital budgeting tools available for you to use as well. Some of these you do have to pay for, but let’s start with some of the free digital budget templates first…

  • Budget Spreadsheet Template by Life and a Budget (Free)
  • Mint  (Free)
  • Personal Capital  (Free, best used for long-term and retirement financial planning)
  • EveryDollar (Free) (This is one of the free best budgeting apps I’ve tried, in my opinion)
  • Microsoft Budget Templates  (Free)
  • NerdWallet’s Budget Worksheet  (Free)
  • Money Under 30 Monthly Budget Spreadsheet  (Free)
  • Tiller Monthly Budget  (Free Version)
  • Weekly Budget Google Spreadsheet  (Free)
  •   20 Something Finance Google Budget Planner (Free)
  •   Annual Google Budget Spreadsheet  (Free)
  •   Household Google Budget Spreadsheet  (Free)
  • Mvelopes ($4/month)
  • You Need a Budget  ($6.99/month)

Choose a Free Printable Budget Template and Get Started!

As you can see, there are PLENTY of free download options when it comes to budget templates. The only thing that’s standing in your way is you!

Whether you decide to use one of the free printable budget templates or one of the many online/digital templates, the only important thing is that you actually create a budget and stick to it!

Just pick one of the options presented above and give it a try. If you don’t like it, come back at the end of the month and choose another printable monthly budget template. Before you know it, you’ll have a budget that works and your financial future will look so much brighter.

How to Get Ahead Financially

Moms on a budget: 5 budgeting hacks you need to know, you may also like, 8 easy ways to stop overspending, 70+ frugal living tips to help you increase..., in pursuit of a financial independence day, 5 tips to help your children pay for....


16 Personal Finance Excel Spreadsheet Templates for Managing Money

Always keep track of your financial health. These free Excel spreadsheet templates are the tools you need to manage your money.

What if you could easily and accurately visualize your financial profile? Wouldn't it be great to understand your financial standing at any moment? Thankfully, Vertex42 offers a range of spreadsheets that make this possible. Here are some of their best financial spreadsheets.

1. Money Management Template

When you've got a mortgage, children, a car payment, and other expenses to keep track of, it's hard to balance your budget and avoid overspending. You need a level of financial awareness that most people do not possess. Or, you could just fire up Excel.

This home finance spreadsheet can give even You Need A Budget software a run for its money. It allows you to create a yearly budget to make projections about income and expenses while taking care of variable expenditures and changes in income.

2. Personal Monthly Budget Worksheet

personal budget planner free spreadsheet

If you do not have a family and wish to take control of your finances, you may want to check out this personal monthly budget spreadsheet. This personal expense tracker for Excel lets you create a budget just for you, and then compare it against what you spend.

There are fields for daily expenditures, as well as entertainment and discretionary spending. It's easy to use, too. The spreadsheet only spans a single page and can be printed on one sheet of paper in portrait orientation.

3. College Budget Template

college budget

The transition to university is difficult. You're away from your parents for the first time, and you have to deal with everything they did for you beforehand—washing, cooking, and cleaning.

You've got to pay attention to your finances and avoid overdrafts and credit cards. What's the best way to do that? With this college budget spreadsheet, of course.

This allows you to plan for the cost of studying over the course of months, semesters, and years. It will help you to maintain a positive balance in your bank account.

4. Christmas Gift / Holiday Spending Budget

christmas budget planner free spreadsheet

It's the most wonderful time of the year, as the song goes. Christmas is also one of the most expensive times of the year when families dig deep into their pockets to buy extravagant presents.

But, it doesn't have to be this way. This spreadsheet allows you to set a total budget, allocate it on a person-by-person basis, and use that as a guide for your gift-buying strategy. You'd be surprised how well this helps you manage and save your money . You can also check out these apps to plan Christmas gift shopping .

5. Travel Budget Worksheet

travel budget free spreadsheet

If you love to travel, you need to be meticulous in planning your costs. With this beautiful travel budget worksheet, it is easy. The spreadsheet lets you set a total budget, subtract accommodation and transportation, and then factor in discretionary spending.

6. Money Manager for Kids

kids money manager free spreadsheet

Many parents give their children an allowance. It's a great way for them to learn about the inherent value of money and buy the things they want. It's also a great way to teach them about budgeting and saving.

So, why not also allow them to visualize their progress with this money manager for kids? It's a budgeting template but packaged to appeal to young minds.

7. Income Statement Template

income statement free spreadsheet

An income statement is a document that declares how much you earned, and how much you spent. They're used in businesses and households alike to give a picture of financial health.

This spreadsheet is designed for small business owners. It allows you to thoroughly and meticulously take control of your business's finances.

8. Savings Goal Tracker

savings goal tracker

Saving money is hard. Especially when you don't have a solid goal, other than to "have savings". And let's face it, there are a lot of shiny things on sale, that can easily pry your money from your wallet.

How do you deal with this? By visualizing your goals and charting your progress towards them. And what better way to do that than with this savings spreadsheet?

9. Credit Repair Spreadsheet

credit repair free spreadsheet

Times are tough. Many people are struggling. They may be unable to make their car and credit card payments on time, and they may discover their credit has been severely damaged.

But you can do something about it. Repairing one's credit is not only possible, but it's also relatively painless. With this spreadsheet, you can work towards rehabilitating yourself in the eyes of credit reporting agencies.

10. Extra Payment Mortgage Calculator

mortgage calculator free spreadsheet

Mortgages are a bit like house guests. The sooner you get rid of them, the better. The best and quickest way to get rid of a mortgage is to make extra payments.

So, why not check out this extra payment calculator, which can show you the benefits of reduced interest when you pay off your mortgage in extra chunks? Brilliant!

11. Credit Account Register Template

credit register free spreadsheet

Lots of people do all their spending on a credit card. If you pay off your balance in full each month, it's actually a great strategy. You'll see faster resolution times if someone steals money from your account, and you can rack up thousands of points that you can spend on free goodies like hotel rooms and flights.

To make sure you've got a firm grasp on how much money you're spending on credit, use this credit account register template.

12. Wedding Budget Planner

wedding budget

Weddings are costly affairs. Of course, they don't have to be—you should spend the money on the house or invest it in your pension instead. But most people who are in love don't want to listen to such sound advice.

If you're planning for your big day and intend to spend a lot of cash to create the perfect event, you need an Excel spending tracker to plan your wedding budget.

13. Donation Tracker

donation tracker free spreadsheet

Are you planning to organize a fundraising event? One of the most important aspects of a successful campaign is keeping an eye on the amount of money that's coming in. This spreadsheet offers columns for the date, type of payment, donor, and notes.

14. Price Comparison Template

price comparison free spreadsheet

The key to getting a good bargain is to shop around. But with so many places vying for your business—both on the high street and online—it can be hard to remember all the prices you've seen.

That's where a price comparison tracker comes in useful. Enter all the prices you see and make an informed decision on the store you're going to use.

15. Money Tracker

my cash

We'll leave you with a budgeting app that's been specially designed for use on the smartphone version of Excel. Columns are narrower and less cluttered, so it's much easier to update on a small screen while you're on the go.

Each column also has a drop-down list. You can use it to easily add the date or select one of your most common payees.

16. Personal Budget Spreadsheet

If you're a young adult who's recently entered the workforce and moved to your very own place, it can seem next to impossible to manage your finances. You might feel like you're not in control of your own money and losing track of your progress.

But this is easier to solve than you think. Using the Personal Budget template, you can keep track of your expenses and income, divide them into different categories, and keep an eye on your account balance—all at the same time.

Manage Your Money and Save on Stress

No matter what your financial goals are or how much money you've stored away in your bank account, staying on top of your spending and fixed expenses is a vital part of building wealth and being financially secure.

Try out some of the spreadsheets we've recommended, and you'll soon notice a big improvement in your overall financial position.

logicaldollar logo

15 Free Blank Budget Worksheets to Take Control of Your Money

When you finally commit to actually making (and sticking to!) a budget, the next major hurdle is definitely going to come as you’re staring at that empty piece of paper and wondering where to start. And it’s for that exact reason that finding the perfect blank budget worksheet printable for your needs can make sure you get across the finish line.

In particular, using a simple budget template that someone else has made for you rather than having to create your own from scratch can help to show you exactly the sort of information you should be taking note of – while saving you a ton of time in doing so.

And whether you want something with all the colors or more of a sleek monochrome household budget worksheet, this list has you covered!

personal capital logo and sample screens

Personal Capital

Our pick: best budgeting app.

Easily our choice for the best app to help you manage your money better.

Create a budget, track your spending automatically, receive personalized advice, get alerts about hidden fees and a ton more – and it’s all free .

Table of Contents

1. Blank budget printable

free blank budget worksheet printables

For those who need a blank budget printable to help with their money management, I definitely have to start by recommending the one we offer here on LogicalDollar.

You can download it here to see for yourself but, simply put, this blank monthly worksheet has everything you need to keep an eye on your spending, so you know exactly where every dollar is going. In particular, you’ll be able to both set targets for each spending category and then compare these to how much you actually spend in each of these

That way, you’ll easily be able to see where you’re going well – and where, ahem, some adjustments may be needed. 

It’s super straightforward, with just enough detail to cover your finances for the month without being overwhelming.

2. Free household budget worksheet

free household budget worksheet

This free household budget worksheet PDF from Saving Dollars and Sense is a great at-a-glance way to see how your monthly spending is going.

Sometimes you don’t need all the bells and whistles that some budget printables come with, especially if you prefer the chic monochrome look of this one. If that’s you, using this blank budget worksheet will be great for creating and sticking to a simple family budget.

This could work particularly well with a spending tracker throughout the month. That way, all you have to do is total up your expenses in each category as listed on the expense tracker and then add the final amount to this one.

3. Beginner printable budget worksheet for kids

Beginner printable budget worksheet

Teaching kids how to manage their money, even if it’s just a few dollars they receive as an allowance, is one of the best things you can do for them. By laying the foundations of positive financial habits now, you’re setting them up to continue to make good decisions when it comes to their money going forward.

And one way to do this is to teach them about budgeting. The Family Focus Blog has aimed to help you do exactly that by creating this beginner printable budget worksheet that’s targeted at kids.

It’s fairly simple but has all the information your kids will need to realize just where their money is going – and why they may not have as much left as they thought they would!

FYI… Another great way to teach kids about budgeting is by giving them their own kid-specific (and parent controlled!) debit card. Greenlight is easily my top pick for this – find out more and grab a free 14-day trial at this link.

4. Free printable budget worksheet

Free printable budget worksheet

I love this free printable budget worksheet, as the PDF is super modern-looking with some colors to catch your eye – which is great when doing something that’s not-so-exciting, like balancing your budget!

This is from The Wallet Moth and lets you easily assign a targeted spending amount to each expense in your life. 

From there, you’re able to compare what you actually ended up spending in that category to what you’d hoped to spend, allowing you to quickly see any problem areas. Just make sure that any major issues – especially if that final overall figure is a negative – are addressed ASAP!

Related: 19 Best Cash Envelope System Wallets to Budget Like a Pro

5. Simple budget template

simple budget template PDF

If you’re looking for a simple budget template, this PDF is for you. 

Created by Tiffany from Saving Talents , this free printable for the world’s easiest budget is probably the most straightforward way you’ll find to get your finances set up. 

It’s a very simple blank budget worksheet printable that can be customized for any age or any income level. Sure, it doesn’t have all the colors and flashy fonts that the others have. But if all you need is something to keep you focused on the outcome of creating a budget (and sticking to it!), then this will definitely do the job.

6. Homeschool blank budget worksheet

Homeschool blank budget worksheet printable

Sometimes, you don’t need a budget for your entire household, but just one part of your overall spending.

And if you homeschool, this is definitely one area where costs can start to build. 

So to help you with this, Hess Un-Academy has created this homeschool budget worksheet printable to keep track of all your expenses relating to your homeschooling. This could include anything from field trips to learning materials to supplies and more.

Related: 13 Best Budget Planners to Get Financially Organized

7. Free printable budget planner

Free printable budget planner PDF

If you’d like a free printable budget planner, where the PDF looks like it’s been hand painted in watercolors for you, then this could be what you’re looking for. 

A Centsational Life has created this gorgeous looking monthly budget that lets you both track all the information you need and pat yourself on the back at how elegant you are while doing it.

You can also grab this in a pack with other similar looking finance-related printables at that link, with the option of also downloading a savings tracker and a bill tracker in the same style as the budget.

8. Simple monthly expense budget

Simple monthly expense budget spreadsheet

I’ve been asked plenty of times what the best budgeting method is and my answer always is “the one you stick to”. And it’s for this reason that one of my favorite ways of doing this is to use the 50-30-20 method. It makes the whole process so easy, meaning you won’t be overwhelmed by having to track hundreds of different spending categories.

Instead, the 50-30-20 budget helps to simplify your finances by using only three budget categories . This, in turn, it allows you to categorize your paycheck and allocate money for your needs, wants and savings. 

And to help you do this, Frugal Mom Guide has created this downloadable spreadsheet that makes the process even simpler. All you need to do is plug in the numbers, and your budget will be done for you!

Related: 13 Best Budgeting Apps for Couples to Manage Their Money Together

9. Family budget worksheet printable

Family budget worksheet printable

There’s no question that keeping your family budget under control can be a struggle for many. So having a blank budget worksheet printable like this one from Wondermom Wannabe can really help you to finally take back this control.

I really like having a budget template that leaves plenty of room for notes and this one definitely fits that criteria. It makes it much easier for you to quickly jot down anything that’s worked (or, ahem, hasn’t) or to explain any major deviations from your normal spending.

And for those of you who are fans of color coding (…just me?), you get that here too!

10. Printable budget binder worksheets

Printable budget binder worksheet

Building out an entire budget binder instead of just the one budget sheet can be a great thing to do if you really want to manage your entire financial situation. That way, not only can you keep an eye on the money that’s coming and going from your account, but you can also track things like your debt repayments and your bills.

So to start your budget binder, these free worksheet printables from Clean and Scentsible can do just the trick. You’ll get various templates to add to your new binder, including a detailed budget, a budget breakdown, a debt tracker and more.

(They’ve also got a bunch of other tips on there to help you with your money management.)

11. Personal budget binder planner

Personal budget binder planner

There are some other great printable blank budget worksheets out there to create a budget binder and that includes this one from Blooming Homestead .

And what’s particularly good about this one is that if you’re not a huge fan of the style in the image above, there are actually two other styles at that link! So if coral and navy or yellow and gray are more your flavor, you can easily grab these templates to start to build your ideal budget binder.

This one also comes with a weekly spending tracker along with the monthly one that most of the options on this list offer. You’ll also get a savings tracker in this pack to help you monitor all your financial goals at once.

12. College budget worksheet printable

college student budget template

If you prefer a budget that’s bright, functional and perfect for when you’re entering the world of budgeting as a college student, then this one from College Life Made Easy will definitely work.

It allows you to track an incredible amount of information on just the one worksheet, with it being both simple and effective at a time when you’ve got enough in your life to worry about! 

As an added bonus, it comes in a range of different colors – perfect for pinning to your wall, no matter how you’ve chosen to decorate your dorm.

13. Customizable budget worksheet

Customizable blank budget worksheet

Having a customizable template is really helpful for allowing you to add your own spin on things, especially if you have expenses that don’t fit into any of the usual budget categories that most worksheets come with.

And this is why this blank budget worksheet printable from Uncluttered Simplicity could work well for you.

That is, do you see all those blank boxes in the picture above? They’re all able to be filled in on a computer, meaning you don’t have to print this PDF in order for it to work. 

This includes the blank boxes in the far left column, allowing you to add your own categories, as needed. Not to mention that it’s got all the colors you could ever want!

14. Frugal printable budget worksheet

Frugal fanatic printable budget worksheet

This simple budget template PDF from Frugal Fanatic has a huge range of spending categories, letting you basically account for every sort of household expense – all on the one page!

This includes sections that you don’t always see on every free budget printable like charitable donations, child support and trash-related costs. That means that if you have some of the more non-standard expenses in your life that are included here, this could be a great option for you.

15. Printable budget worksheet (Dave Ramsey method)

Printable budget worksheet in the Dave Ramsey style

Dave Ramsey’s baby steps have been a game changer for many of those looking to get out of debt, but his promotion of the zero-based budget method has also seen huge success for a lot of people. If you haven’t heard of this, it simply refers to a budget where your income minus your expenses equals zero.

We’re also big fans of it around here (along with his mantra that a budget lets you “tell every dollar where to go”). So if you’re also keen to jump on this bandwagon, this budget offered by Passion for Savings could work well.

That is, it’s a printable budget worksheet following the Dave Ramsey method, allowing you to build out your own zero-based budget. It also comes with a range of other free printables, including recommended household budget percentages , meaning you could easily use these to create your budget binder for free!

budget sheets


Join thousands of subscribers in getting regular tips in your inbox on  how to take control of your finances and save more money  – and, for a limited time, get our free budget planner as a gift!

Check your inbox to grab your budget!


You’ll also join our mailing list to get updates on how to manage your money – unsubscribe at any time at the end of each email.

' src=

Anna is the founder of LogicalDollar and a personal finance expert, having been featured in Forbes, HuffPost, Reader’s Digest, Bankrate, MSN Money, Yahoo! Finance, CreditCards.com and many more. With more than 10 years of experience in the financial and legal industries, bachelor’s and master’s degrees in these fields, as well as her own journey in turning $60,000 in debt into a thriving investment portfolio, she’s committed to helping others get on the path to financial freedom.

Similar Posts

19 Best Cash Envelope System Wallets to Budget Like a Pro

19 Best Cash Envelope System Wallets to Budget Like a Pro

The Only Three Budget Categories You Need to Stick to Your Budget

The Only Three Budget Categories You Need to Stick to Your Budget

The Ultimate Guide to the Best Budgeting Methods

The Ultimate Guide to the Best Budgeting Methods

60/20/20 Rule You Can Use to Dominate Your Budget

60/20/20 Rule You Can Use to Dominate Your Budget

20 Best Books About Budgeting (That You Need to Read)

20 Best Books About Budgeting (That You Need to Read)

13 Best Budgeting Apps for Couples to Manage Their Money Together

13 Best Budgeting Apps for Couples to Manage Their Money Together

OppU Logo

Savings Worksheet to Crush Your Money Goals

Samantha Rose headshot

Savings goals are a helpful tool — whether you want to save for vacation or retirement. It’s an important habit to develop for long-term financial security.

But setting and achieving goals takes patience and dedication.

Ready to make a change and take control of your financial future? Here’s how to do it. Follow these steps and download our free savings worksheet to get started!

Free savings worksheet

worksheet for saving money


How does the savings worksheet work?

Put pen to paper and brainstorm your savings goals. Identify the financial behaviors that are contributing to or hindering your goals. What do you want to start doing, keep doing, or stop doing?

For example:

  • Start saving for a big purchase, like a car or a house.
  • Keep contributing to a 401(k) with an employer match.
  • Stop racking up unnecessary debt.

Now to use the savings goal worksheet, you’ll need to do simple math. List the total dollar amount needed to fund goal number one. Divide the total by the number of months until the goal deadline — whether it’s a few months or several years. The result is the amount of money you need to save each month in order to hit your total goal by the end of the deadline.

For example, if you need to save $3,000 for a down payment on a car in one year, you'll need to save $250 each month — $3,000 divided by 12 months = $250.

Crush your savings goals in 4 simple steps

The financial goals worksheets will help you decide where you want to go and how to get there. These steps will help make it happen.

Step No. 1: Decide what you want to achieve

The first step to achieving a savings goal is knowing what the goal is. Ask yourself, “What do I want to achieve? What am I saving up for?”

A savings goal may be short- or long-term. For instance, a short-term goal is achievable in a few months, like purchasing a new phone or taking a vacation. A long-term goal is achievable after several years, like making a down payment on a house or saving for retirement. But most goals will likely fall somewhere in the middle, like paying off a debt.

Determine where your goals fall in terms of timeline. This is also a useful step in calculating how much you will need to save each month by spreading the total amount across the deadline.

Remember, the best goals are realistic and take into account your current financial situation. There’s no reason to set yourself up for failure. Avoid setting a savings goal that is too difficult to achieve or a financial behavior that is unlikely to change.

Step No. 2: Set up a dedicated savings account

Banks often allow account holders to create multiple savings accounts, or to set up savings goals within a single account.

Consider breaking up savings goals into different accounts, such as an emergency fund, a vacation account, a wedding account, and so on. When each goal is separate, it’s easier to track progress. For added peace of mind, there’s no need to worry about confusing goal totals. But managing several accounts will take work. And it’s not always possible depending on the bank.

Alternatively, some banks have a feature that allows users to create different “buckets” within one savings account. Rather than having multiple accounts, these savings buckets are an easier and cleaner way to organize goals.

Step No. 3: Free up money to save

Now for the fun part — turning a savings goal into reality. To fund a savings goal, you need to adjust your budget. That money needs to come from somewhere.

If your savings rate exceeds your goal, then you have an excess of money. Congrats! Your goal is progressing toward being fully funded. Use any additional money to accelerate your goal or add a new goal.

If your goal costs more than the amount you save, however, then it’s time to reevaluate your priorities. Here are five actions to help you get back on track:

  • Cut your spending by reevaluating your needs and wants .
  • Reduce the number of savings goals you are trying to fund simultaneously.
  • Extend the deadline for your goal in order to contribute a smaller monthly amount.
  • Increase income with a side hustle.
  • Put a bonus, tax refund, or monetary gift toward the savings goal.

Step No. 4: Track progress as milestones

To stay on track, break down savings goals into small milestones. Then check each one off as you go. Seeing how far you’ve come is a great motivator to keep up the momentum.

For instance, create short-term savings goals as you work toward a long-term goal. A large savings goal is daunting, making it difficult to stay on track. Completing small milestones gives you the satisfaction of meeting a goal with each contribution.

Try visualization to track goal progress. It’s a technique that helps you associate your goals with a visual aid for added structure. Consider using a bullet journal, a chart, a spreadsheet, or another visual marker to show progress as you complete each milestone.

Don’t forget to celebrate progress with each milestone achieved. This is a reminder of how small actions add up over time, leading to big motivation.

Tips to stay on track with savings goals

We spoke to financial professionals to hear their top tips on how to stay motivated to cross the finish line on savings goals.

No. 1: Create a meaningful and specific goal

Create a savings goal that is both meaningful and specific. This might look like the exact dollar amount needed to make a purchase or to cover three months’ worth of expenses. Don’t set an arbitrary dollar amount and call it a day.

“[S]etting a number goal is not meaningful,” said Wesley Botto, CPA and founder of Botto Financial Planning & Advisory. “It will not prevent you from making an impulse purchase. However if you sit down and really think about your priorities, then your goals will carry out in your daily life.”

Make it a habit to return to financial goals and determine if they're still working. It’s OK if a savings goal changes according to life priorities. In fact, the best goals are meaningful, specific, and flexible.

No. 2: Pay yourself first

Ensure that savings goals remain a priority in your budget by enrolling in direct deposit. Automatically depositing money to savings takes the decision-making process out of human hands.

Direct deposit all or some of your paycheck into a savings account. Many companies allow their employees to direct deposit a certain percentage of their earnings into different bank accounts.

“Then on pay day, figure out how much you need to pay those essential bills and transfer [that amount of money] into your checking account,” said Danijel Velicki, founder and CEO of Sqwire and Opus Wealth Strategies, LLC.

This way you can contribute to your savings goals before the money ever reaches your checking account.

“Seeing the number in your checking account drop when you transfer that money can create an emotional response,” Velicki said. “It forces you to think about how bad you really want that item, whatever it may be. The extra time to transfer the money will often make you decide that you don't want or need to make that purchase.”

Bottom line

Saving isn’t just about the money in your bank account. It’s a commitment to set and achieve financial goals.

Wesley Botto

Wesley Botto is a certified public accountant and partner at Botto Financial Planning & Advisory. He pursued an undergraduate and master’s degree in accounting. He believes there is nothing better than helping clients properly align their objectives with their strategic actions; his clients include physicians, lawyers, and business owners.

worksheet for saving money

Danijel Velicki is the founder and CEO of Sqwire and Opus Wealth Strategies, LLC . A Croatian immigrant, Velicki arrived in the United States with just $40 in his pocket nearly 25 years ago. He has spent the last 17 years in the financial and insurance services arena, building himself into a premier voice and leader in the industry. He has received honors such as Inside Business’ 40 Under 40, and Hampton Roads Entrepreneurial Excellence Award.

  • Financial Literacy
  • Financial Planning

Related Articles

The 52-Week Savings Challenge: Everything You Need to Know to Start Saving Now

The 52-Week Savings Challenge: Everything You Need to Know to Start Saving Now

‘Should I Buy This?’ A Financial Flowchart for Smart Spending

‘Should I Buy This?’ A Financial Flowchart for Smart Spending

Financial Goals Worksheet to Rock Your Money

Financial Goals Worksheet to Rock Your Money

How to Use a Bullet Journal to Slay Your Money Goals

How to Use a Bullet Journal to Slay Your Money Goals

California Residents, view the California Disclosures and Privacy Policy for info on what we collect about you.

By clicking Continue, you will be taken to an external website that is not operated or managed by OppFi. Please be advised that you will no longer be subject to, or under the protection of, OppFi's privacy and security policies. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of OppFi. Further, OppFi is not responsible for and does not endorse, guarantee, or monitor content, availability, viewpoints, products, or services that are offered or expressed on external websites.

For Teachers

Home » Teachers

Saving Money Worksheets

Here are our favorite worksheets to help teach students smart saving habits.


Saving money is the secret to financial success. Regardless of how much or little someone makes, having a reliable and consistent savings plan is critical. Your students will enjoy these worksheets that hammer home skills they’ll need to save money regularly. From the earliest stages of school until seniors in high school, students will benefit enormously from developing savings habits. Start with these worksheets!

Saving Money Worksheets for Elementary School

Your little learners will do well in their future learning about saving money. These worksheets will strengthen their knowledge significantly.

  • Writing About Saving: This worksheet combines writing skill-building with savings awareness. Kids choose a writing style (narrative, persuasive, or expository) and compose a paragraph about saving money. ( 4 th -5 th grade)
  • Creating a Song About Saving: Kids will have fun with this worksheet as they develop song lyrics about saving money and make them fit existing song melodies. They can choose from Row, Row, Row, Your Boat ; Twinkle, Twinkle Little Star ; and more. ( 2 nd -5 th grade)
  • Understanding Our Money Choices: In this worksheet , kids go through checklists and decide what they would do in specific money situations. They see the importance of saving and determine who they can talk to for financial advice. ( 4 th -5 th grade)
  • Building Savings Habits: This worksheet incorporates a comic book format to keep kids engaged. They caption comic strip bubbles while they reflect on the impact of saving. ( 4 th -5 th grade)
  • Starting Small and Saving Up: This worksheet shows young learners the idea of saving whatever they can, even if it is a small amount. It goes along with a story, boosting reading comprehension and showing kids how to save early and often. ( 2 nd -5 th grade)
  • Puzzling Out Your Savings Future: This worksheet is a fun way to show students how to save. They do an origami puzzle, fill in the savings sheet with figures, and see how long it would take to save for specific purchases. ( 4 th -5 th grade)
  • Coloring Your Savings: Kids color the amount needed to save for certain items in this worksheet . They learn about saving money and the approximate costs of various purchases. ( K-1 st grade)
  • Saving Money: With a reading passage and 12 comprehension questions, teachers can use this worksheet as a quick assessment tool to gauge student understanding. It comes in color and black and white, and can be a center activity or independent work. ( 2 nd -4 th grade)
  • Earning/Saving Money: This worksheet provides a place for young kids to draw how they would save money. Then they complete a sheet to brainstorm how to earn money to save. ( 1 st -2 nd grade)
  • Saving Money: This worksheet uses savings totals so kids can do money math. They count the money they see inside piggy banks, working on their arithmetic and money awareness as they see how to save. ( 3 rd -4 th grade)
  • Saving My Money: This straightforward worksheet has kids trace a brief phrase about saving. They can color the piggy bank picture as teachers discuss the importance of saving money. ( PreK-K)
  • Save, Spend, Share Worksheet: Kids break their projected money output into categories in this worksheet . Teachers can focus on savings, showing students the importance of putting cash aside regularly. ( K-5 th grade)

Saving Money Worksheets for Middle School

Middle school is the ideal time to reinforce savings habits and bring in new concepts. These worksheets will complement your instruction well.

  • Saving and Investing: In this worksheet set, students break down the various processes of putting cash aside for later. They set short, medium, and long-term goals, see how interest works, and take a quiz to demonstrate their knowledge. ( 6 th -8 th grade)
  • Are U Money Savvy? This worksheet has kids make SMART savings goals and draw pictures to visualize their objectives. They also see how coupons can help save them money and try to work a budget to fit their spending and savings plans. ( 6 th -8 th grade)
  • Money Goals: This worksheet shows practical savings ideas that kids can plan for (video game consoles, donations to charities, etc.) and has them make specific goals. Once they establish short and long-term goals, they formulate plans to save up cash. ( 6 th -8 th grade)

Saving Money Worksheets for High School

These worksheets will help prepare students for life after high school, giving them a chance to practice saving money in a low-stakes environment.

  • Miya Builds Her Wealth: This worksheet shows students a specific case study, requiring them to weigh wants and needs. They learn about saving and budgeting as part of a larger money management approach. ( 11 th -12 th grade)
  • Planning Your Financial Path to College Graduation: This worksheet shows kids the different ways to save money for college costs. They use an online tool to find statistics, determine how much they would need for various educational paths, and fill it in on the sheet. ( 9 th -12 th grade)
  • Kids’ Money Teen Budgeting Worksheet: Budgeting is a great way to track expenses and also monitor savings progress. This worksheet is ideal for teenagers looking to stay on a good financial track. ( 7 th -12 th grade)
  • Saving Money Brainstorming Activity: This worksheet requires students to devise multiple ways to save cash. They list ten items and then focus on one in more depth. ( Can be used in any grade level)
  • Where to Stash Your Cash: This worksheet (see page 3) involves student research to find the best savings vehicles for different goals. They see various ways to save money, from CDs to money market accounts to savings accounts. ( 9 th -12 th grade)

Head to our saving money curriculum center for more teaching resources.

worksheet for saving money

Welcome to our page dedicated to teaching the essential skill of saving money. As educators, we understand the importance of equipping our students with the knowledge and tools to build a solid financial foundation. That's why we have created an extensive collection of resources specifically designed to help teachers like you deliver engaging personal finance and saving money lessons.

Within our site, you will find a wealth of educational materials, including lesson plans, interactive worksheets, captivating educational videos, and informative articles. Our aim is to provide you with a diverse range of resources that cater to different learning styles and facilitate effective instruction on the topic of saving money.

Our lesson plans and worksheets have been thoughtfully developed to guide your students through the principles and practices of saving money. These resources are not only comprehensive but also highly adaptable, allowing you to customize them to suit your classroom needs or individual study requirements. To enhance the learning experience, we offer a variety of educational videos that bring saving money concepts to life. Through engaging animations and clear explanations, these videos simplify complex ideas and captivate learners, making the learning process both enjoyable and effective.

In addition to lesson plans and videos, we provide informative articles that offer in-depth analysis and expert insights on various aspects of saving money. These articles serve as valuable resources for teachers seeking to broaden their knowledge and explore advanced topics related to financial literacy. By instilling the habit of saving money, we empower individuals and families to achieve financial security and work towards their long-term goals. Developing good saving habits and understanding the trade-offs involved in financial decision-making are essential steps on the path to financial well-being.

Browse through our collection of lessons on saving money and discover a range of engaging topics that cover the fundamentals of personal finance. Whether you're teaching in a classroom setting or guiding independent study, our resources will support you in equipping your students with the skills and mindset needed to make informed financial choices.

Also, see our Banking and Savings Accounts category to learn about bank savings accounts and other related material and our Budgeting Lessons category to learn about budgeting and creating a plan for saving money.

Understanding Saving Money

Saving is when you are not spending all the money that you have that you have earned. It is the process of putting aside money for future uses, and not spending it immediately. When you are saving, you are accumulating your money in bank deposits and other places to save your money.

Saving is important because it can help a person or family become financially secure. Saving money is a good habit to develop on a daily basis. Savings goals will be easier to achieve if you understand what you are willing to give up in order to save money. To reach your financial goals, try to limit your spending, and focus on saving.

Use the following lessons to help teach and learn saving basics:

Saving Money Lessons and Worksheets

Saving Money

Saving Money

An introduction to saving money. Students learn reasons why they should save money, and how to save.


What is Saving?

A video lesson introducing students to saving, why we should save, and how to get started.

Personal Savings

Personal Savings: Saving Money

Students learn about setting personal savings goals for the things they really want. Also, why using a bank account is a good way to help save money.


Understanding your Money Habits

In this lesson, students learn to understand and identify what are their money habits. Every money decision you make either reinforces good or bad money habits. The first step toward saving money and creating good money habits is to first identify the money habits you currently have.


Saving Money when you are Broke Lesson

In this lesson, students will learn eight important steps for saving money. They will learn how to save money by assessing their financial situation, creating a budget, cutting expenses, prioritizing paying off high-interest debt, building an emergency fund, looking for additional income sources, automating their savings, and staying committed and accountable to their goals.


Saving for Freckles

A children's story about spending and saving money and using it wisely. Includes reading comprehension worksheet.


Emergency Savings Fund. How much Emergency Money should I save?

Learn how much to save for your emergency fund. Emergency savings are designed to cover unexpected expenses or financial emergencies. You can use emergency savings to help pay unexpected bills, small or large, that are not included in your monthly spending and expenses.

worksheet for saving money

Saving for Retirement

Saving Money over Spending this Season

Students learn about financial prudence and budgeting during the holiday season. It highlights how higher interest rates make saving more beneficial and warns against the extra costs of using credit. The guide includes strategies for a financial review, advocating for a thorough review of past spending and creating a realistic budget that encompasses all expenses. Ultimately, it encourages students to embrace the spending responsibly, ensuring celebrations don’t derail their financial goals.


The simple way to Build Wealth

A short video lesson. A simple strategy to build wealth, by understanding earning, spending, saving, and investing money. A basic techniques for beginners. Spend less, avoid debt, and achieve your financial goals.

Saving and Investing: Getting Started

Students will learn the reasons for saving money.

Saving and Investing Tools Students will learn about different ways to save and invest.


Saving Money Informational Resources Most of us wish we could save more money, but how do we do it, and how do we get started?

worksheet for saving money

Back to more Banking and Savings Accounts Worksheets and Lesson Plans

worksheet for saving money

Learn Budgeting Lessons for creating a plan for saving.

More Saving and Investing Worksheets and Lesson Plans

More Teaching Money Lessons

© Copyright 2002-2024 Money Instructor. All Rights Reserved.

Money Prodigy

14 Free Financial Literacy Worksheets PDF (Middle & High School)

By: Author Amanda L. Grossman

Posted on Last updated: January 9, 2024

Check out these free financial literacy worksheets PDFs for middle school and high school students to learn all about money.

We all know that getting money into kids’ and teens’ hands so that they can learn how to use it through trial-and-error works.

high school student girl working at desk on worksheet, text overlay

I mean, that’s how many of us learned how to manage our money, right?

But prepping kids and teens with financial literacy worksheets PDFs and games is a great addition to their financial education.

It’s sort of like having a teen first study and then pass a written permit exam before they’re allowed to drive a car.

Practice and prep make sense.

Use these financial literacy middle school worksheets pdf and high school financial literacy worksheets below.

Hint: you also might want to check out these fun money activities for middle school students .

What Financial Literacy Subjects are We Talking About?

It’s helpful to know what’s included in a subject, so that you can cover all of your bases (or know that what you need covered, will be).

The financial literacy worksheets and PDFs below are going to fall into the following topics:

  • Saving Money & Setting Money Goals
  • Loans and Credit
  • Earning Money

Let’s dive in.

Psst: You also might want to have your students journal about how they feel about money with these journal topics for kids – it helps them figure out how they feel/what they think about money, and it can help you to understand what they do/do not know about the subject.

Financial Literacy Worksheets PDF – Banking

Banking is super important in any adult’s life, which is why I created an entire article around free banking worksheets (PDFs) for kids and teens to learn banking skills.

You know, things like:

  • How to write a check
  • How to make a deposit
  • How to shop around for the best banking services
  • Differences between a bank and a credit union

But, I want to share one here, too.

1. HSFPP’s Lessons on Banking

Suggested Age: High School

Check out their lessons on Checking Accounts (lesson 5-1), and Financial Tools & Technology (lesson 5-2).

Students will learn:

  • Different ways to pay for things, besides cash (and why you would want to choose another form)
  • Banking apps
  • Benefits of using a check (such as, for proof of purchase)
  • Checking account monitoring

Next up? Let’s talk budgets.

Financial Literacy Worksheets PDF – Budgeting

Budgeting is one of the most critically important financial literacy subjects to cover before a student gets their hands on a real paycheck from a real job.

That’s why I’m dedicating this next section to free financial literacy printables all about budgeting.

Psst: here are 6 budget projects for middle school students , a free prom budget template , and 4 budgeting projects for high school students .

1. How to Be a Smart Consumer

Suggested Age: 4-6 grade

Check out this video, lesson plan, and student worksheets around helping kids understand how to be a smart consumer.

For example, kids will be asked:

  • Whether or not it’s best to buy something now or later, given a scenario
  • To design an advertisement for a brand of sneaker
  • How to calculate discounted items (based on a percentage off)

2. CFPB’s Budgeting for a Rural Trip

Suggested Age: 13-19 years

Students are given a budget of $500 and the task of budgeting for an overnight trip, 100 miles away.

They’re asked to fill in things like Breakfast for each day, lunch for each day, activities and events planned for each day, etc.

Teacher guide available for free.

Psst: you might want to reinforce needs vs. wants with these worksheets, activities, and games .

3. Dallas Fed’s Owning Vs. Renting

Suggested Age: Not given

What a great financial lesson to teach students: the costs of renting vs. the costs of owning a home.

Students will learn about:

  • Landlord and tenant relationship
  • Rental agreements
  • Effects of owning on your net worth
  • Responsibilities and risks of being a homeowner vs. renter

Worksheets include:

  • Lease Agreement
  • Examples of Housing Discrimination

4. Practical Money Skill’s Living On Your Own

Suggested Age: 7-8 grade

In Lesson 4, you’ll find worksheets that guide students through listing the things they have in their bedrooms and estimating the cost of these items.

Then, they need to budget for their first time living on their own.

They’ll also be guided on lease agreements, and how to find an apartment!

5. Can I Afford a Phone?

I love how this activity takes budgeting for an item down to a kid’s world – through working on whether or not they can afford a smartphone.

They’ll be given a scenario from another teen who is trying to convince her parents they can afford one. Based on information given, teens will calculate if it’s more cost-effective to pay for a phone upfront, or on a monthly basis from the phone service provider.

Students will also create a budget both using an online budget form and a paper one.

Psst: here are 12 fun budgeting activities PDFs , all free , and some consumer math worksheets .

Financial Literacy Worksheets PDF – Saving Money & Setting Goals

Here you’ll find some great free PDFs all about helping kids to understand how to save money and how to set money saving goals.

1. FDIC’s Money Smart Worksheets

Suggested Age: 3-5 grade and 6-8 grade

This is an entire money curriculum from the FDIC (the people who insure our savings accounts), for various grade ranges.

The worksheets on saving money and setting goals include:

  • Lesson 6: Super Savers (the Importance of Saving)
  • Lesson 7: How to Stash Your Cash (Savings Options)
  • Lesson 12: Spend, Save, or Give? Personal Financial Choices

Complete with educator and parent handbooks to download for free.

2. CFPB’s Impulse Spending Worksheet

Suggested Age: 16-19 years

Here’s a worksheet that corresponds with an online free financial literacy game, Misadventures in Money Management.

Students will play this game first, then answer questions about the character’s impulse spending decisions. They’ll then learn some strategies for beating their own impulse spending, well, impulses .

Pssst: looking for more online financial games for students? Here’s my article on 19 free financial literacy games for high school students .

Next up are entire workbooks around financial literacy subjects (instead of a just a one-off worksheet or two).

Financial Literacy Worksheets PDF – Earning Money

Earning money is a major part of financial literacy…because without money, you’ve really got nothing to manage!

This section will focus on free financial literacy worksheets and PDFs on understanding paychecks and other forms of earning income besides a 9-5 job.

1. Understanding Your Paychecks

Suggested Age: High school

One of the worksheets in this free workbook that you can download individually is about reading a paycheck and understanding what everything means. Students will then answer some questions about what the paycheck says.

2. It’s a Job Getting a Job

You don’t just walk out of high school or college and stumble into your first (or next) job. There’s a process to getting a teen first job .

These videos, teacher guide, and worksheets have teens thinking about:

  • How to interview well
  • How to best search for a job
  • How economic conditions can affect the job search market

3. Fixed Vs. Variable Income

Suggested Age: 17-25 years

Something they definitely didn’t teach in my high school (that I really wish they had)? Is understanding the difference between different types of income.

Check out this mini-lesson plan and printable on fixed vs. variable vs. irregular income to educate them better about future earning possibilities.

4. Dividend-Paying Stocks

Personally, I think it’s super important to teach students that there are ways to earn money outside of your job.

And buying into dividend-paying stocks? Is one of those ways.

Pssst: I didn’t learn about these until well into my 20s…imagine where your students could be if they learn about this in their teens!

  • Vocabulary behind dividend stocks (always helps to demystify a subject when you know what the phrases and lingo mean!)
  • How to calculate your yield and return on investment
  • Risk vs. reward discussion
  • How to buy a stock

For more worksheets about careers and jobs, check out the 19 free career exploration activities for high school students .

Financial Literacy Workbook PDFs

Looking for an entire, printable financial literacy workbook (PDF)? You’re in the right place!

These are all free for you to print out and use with your students.

1. Junior Scholastic Money Confident Kids Workbook

Suggested age: Grades 6-8

Scholastic partnered with T. Rowe Price to create this free and reproducible workbook on helping kids learn how to spend money wisely.

This takes kids through:

  • Intro to impulse spending
  • What teens spend their money on
  • Purchasing power of money over time
  • Creating a goal
  • What an asset is, and how to create them
  • Risk management while getting your money to grow

2. HSFFP Using Credit Workbook

In this 44-page financial literacy workbook PDF (there’s also worksheets and slides), students will learn:

  • Quiz to see if you’re a responsible borrower or not (yet)
  • Why someone would want to borrow money
  • Calculating interest on loans
  • Average credit card payments each month
  • How long it’ll take to pay off something on credit versus buying in cash

While actually getting money into a kid or teen’s hands is the most ideal way to teach kids and teens about money, prepping them through worksheets and games is a great way to supplement a financial education.

  • Latest Posts

My Facebook profile

Amanda L. Grossman

Latest posts by amanda l. grossman ( see all ).

  • 50 Banking Activities for Kids (Student Financial Literacy) - February 14, 2024
  • 14 Christmas Activities for High School Students (they’ll Actually Find Cool) - December 1, 2023
  • 3 Fun Selfie Scavenger Hunts for Teens (Christmas, Fin Lit, etc.) - November 27, 2023

web analytics

  • Side Hustles
  • Power Players
  • Young Success
  • Save and Invest
  • Become Debt-Free
  • Land the Job
  • Closing the Gap
  • Science of Success
  • Pop Culture and Media
  • Psychology and Relationships
  • Health and Wellness
  • Real Estate
  • Most Popular

Related Stories

  • Spend Here are the top money goals for   Gen Z and millennials in 2024
  • Spend 23% of Americans are putting less money   toward paying down credit card debt
  • Save and Invest Student loan payments are cutting into   borrowers' retirement savings
  • Spend Ramit Sethi's advice to a   couple with $520,000 in debt
  • Spend 5 smart ways to spend   your year-end bonus

How much money Americans saved in 2023 at every age—and how you can put away more this year


Millennials managed to stash away more cash than any other generation last year, according to New York Life's recent "Wealth Watch" survey . 

Just over half of American adults — 52% — met or exceeded their savings goals in 2023, managing to save an average of $6,138 despite facing economic challenges like inflation and high interest rates. That's up from an average of $5,011 saved in 2022.

This jump in savings could be attributed to more Americans building and executing financial strategies, New York Life's head of consumer insights Donn Froshiesar tells CNBC Make It.

"Having a financial strategy in place plays a key role in meeting savings goals," he says. "63% of adults with a financial strategy met or exceeded their savings goal for 2023, compared to only 37% of those without a financial strategy."

Here's how much Americans saved on average in 2023, by generation:

  • Gen Z (ages 12 to 27) : $6,441
  • Millennials (ages 28 to 43) : $9,299
  • Gen X (ages 44 to 59) : $5,132
  • Baby boomers (ages 60 to 78) : $4,060

Millennials saw the largest increase in savings from 2022 to 2023, which "may be due in part to external factors, like being able to save more during the student loan repayment pause, or using 2023 to save for a down payment on a house, as we saw the housing market slow in 2023," Froshiesar says. 

Froshiesar isn't surprised that the youngest generations of American adults saved the most, noting that most Gen Zers and millennials are still working. They're also more likely than older generations to have long-term savings goals, like purchasing a home.

"Gen Xers and boomers may be more focused on funding children's college educations, caring for an aging parent, saving for retirement or even entering a phase where they are spending down assets in retirement rather than saving," says Froshiesar.

How to save more in 2024

If you want to add more cash to your savings this year, setting yourself up for success comes down to having a solid financial strategy. Here are three tips on how to build one.

1. Take stock of your current finances

Those looking to save more should carefully examine their current financial situation, including income, debt and investments, Froshiesar says.

From there, "take the time to write out specific short-term and long-term financial goals that also include a desired timeframe to stay accountable," he says.

2. Focus on eliminating debt

"If credit card debt is in the mix, individuals should consider diverting more funds to paying down credit cards with the highest interest rates," says Froshiesar. "Since debt can be a major barrier to building wealth, it's essential to have a holistic strategy in place that addresses both savings and debt management."

By paying off credit card debt, which tends to snowball faster than student loan debt, thanks to the high interest rates credit cards often carry, individuals can contribute more toward their savings — and in turn lower their dependence on credit cards in the future.

"This all contributes to greater financial resiliency," Froshiesar says.

3. Check on your strategy regularly

To reap the benefits of a financial strategy, you have to stick with it. 

From using a pen and paper to budget to following the 80/20 rule , there are a number of methods recommended by financial professionals to help you stick to your plan. 

But "whatever method a person decides to use for paying down debt, the most important step is to have a strategy in place, and to reassess that strategy over time to ensure it continues to align with their goals, especially when life changes occur," Froshiesar says.

Want to land your dream job in 2024?  Take  CNBC's new online course How to Ace Your Job Interview  to learn what hiring managers are really looking for, body language techniques, what to say and not to say, and the best way to talk about pay.

This former Wall Street analyst now lives on $53 dollars a day in France


  1. Free Money Saving Challenge Printables

    worksheet for saving money

  2. Saving Money Worksheets For Kids

    worksheet for saving money

  3. Children's Allowance Spreadsheet inside 52 Week Money Challenge For

    worksheet for saving money

  4. 52 Week Savings Plan Spreadsheet pertaining to Sheet Free Money Saving

    worksheet for saving money

  5. Money Saving Challenge for Kids with Printable

    worksheet for saving money

  6. Savings worksheet

    worksheet for saving money


  1. 31 च्या रात्रीला घेतलेला पार्टीच्या आत्त सुखद आंनद

  2. Money Revision Worksheet for Final Exam

  3. Need help creating a personal budget? Comment MONEY to get a copy of my personal budget spreadsheet!

  4. Affordable life hacks

  5. 10 Money-Saving Tips for Everyday Expenses. money hacks

  6. saving money at the grocery store


  1. Free Budget Planner Worksheet

    Use the free printable budget worksheet below to see how your spending compares with the 50/30/20 budget guide. If this budget sheet isn't right for you, try another tool. Explore other budget...

  2. Budget Worksheet to Manage Your Savings Goals

    Saving Money Budget Worksheet to Manage Your Savings Goals By Paula Pant Updated on January 17, 2022 Reviewed by Somer G. Anderson Fact checked by Emily Ernsberger In This Article View All Tips for Using a Budget Worksheet Immediate and Emergency Goals Mid-Term Goals Long-Term Goals Next Steps Photo: JGI/Jamie Grill / Getty Images


    FINANCIAL PLANNING WORKSHEET My new money goal Setting your sights on a new goal? Once you've decided what you're saving for, how much, and by when, you're ready to use this worksheet to look at your budget and commit to a new saving plan. Describe your new money goal This is 's goal as of NAME MM / DD / YYYY I want by years, which is equal to

  4. PDF Your Money, Your Goals Building your savings? Start with small goals

    Building your savings? Start with small goals. Consumer Financial Protection Bureau Want to get started with savings? Setting aside money can empower you to plan for the future and achieve your goals. While saving can be challenging for many reasons, taking small steps can make a difference.

  5. Free and Easy Budget Template

    This is the proven plan to get ahead with your money—from saving more to paying off debt to building real wealth. 1. List your income. Do you see the Planned column at the top of your Quick-Start Budget template? That's where you list out all the money that's coming in this month. Here are some quick callouts when it comes to this first step:

  6. The Best Budgeting Templates to Manage Your Money

    | Edited by Barri Segal | Reviewed by Susannah Snider, CFP | Nov. 7, 2023, at 9:01 a.m. Getty Images For those who are ready to take the leap into budgeting, creating a spreadsheet from scratch...

  7. 40 Free Budget Printables to Save Money in 2023

    Down below I found some free printable budget worksheets that'll help you organize your finances and get your budget under control. Let's check them out! Contents Free Budget Printables: Monthly Budget Printables (#1-3) Meal Planning Printables (#4-13) Family Budget Printables (#14-18) Bill Checklist Printables (#19-20)

  8. Household Budget Worksheet

    published June 18, 2020. A good budget helps you reach your spending and savings goals. Work out a proposed household budget by inputting your sources of income and projected expenses into ...

  9. PDF Practical Money Skills Workbook

    > Pay yourself first: Determine a set amount of money to put away every month and treat it like any other bill. Put away part of every paycheck — ideally at least 10-15% — and watch your savings grow. > Save on food: Plan out the week's meals with your budget in mind. Try making dishes that rely on the same staples to save on your grocery bill.

  10. PDF Saving money and budgeting

    Use these worksheets to understand how to create a budget that tracks your incomings and outgoings and identify your own spending and saving habits. You can type your answers into the boxes. Worksheet one: What is a budget and who is it for?

  11. 11 Money Saving Challenge Ideas with Free Printables

    1.6 $5,000 Savings Challenge 1.7 $10,000 Saving Challenge 1.8 $20,000 Savings Challenge 1.9 The Penny Challenge 1.10 Necessities only for 30 days 1.11 Spare change challenge 2 FAQ 2.1 Where should you keep the money you are saving? 2.2 What are the benefits of a money saving challenges? 2.3 How much should you save?

  12. 23 Free Printable Budget Templates To Use In 2024!

    It also comes in two different colors. This budgeting worksheet has everything you need to start saving money, paying off debt, and having a life! Click on the image above for a free copy of this free budget worksheet. Related: Grab a FREE Holiday Budget Worksheet here. 2. Printable Monthly Budget Sheet from Saving Dollars and Sense

  13. 10 Free Printable Budget Worksheets

    4. Just A Girl And Her Blog Budget Printables. Just a Girl and her Blog Budget Printables were created by blogger Abby Lawson. This free printable budget binder will help you budget, track your expenses, and track financial goals. This set also comes with an end-of-the-month check-in to see how you did progress wise.

  14. PDF Setting a SMART savings goal

    SAVINGS CHECKING Setting targets Setting targets helps to make sure your SMART goal is attainable and timebound. Example: You want to save $400, you'd like to take 20 weeks to do it, so you'll need to save $20 each week. $400 (total amount) ÷ 20 (weeks) = $20/week Making an action plan

  15. 16 Personal Finance Excel Spreadsheet Templates for Managing Money

    This spreadsheet allows you to set a total budget, allocate it on a person-by-person basis, and use that as a guide for your gift-buying strategy. You'd be surprised how well this helps you manage and save your money. You can also check out these apps to plan Christmas gift shopping. 5. Travel Budget Worksheet.

  16. 15 Blank Budget Worksheets to Manage Your Money (2024)

    5. Simple budget template. Source: Saving Talents. If you're looking for a simple budget template, this PDF is for you. Created by Tiffany from Saving Talents, this free printable for the world's easiest budget is probably the most straightforward way you'll find to get your finances set up.

  17. Budget Worksheet: Crush Your Money Savings Goals

    Stop racking up unnecessary debt. Now to use the savings goal worksheet, you'll need to do simple math. List the total dollar amount needed to fund goal number one. Divide the total by the number of months until the goal deadline — whether it's a few months or several years. The result is the amount of money you need to save each month in ...

  18. How to Make a Budget: Your Step-by-Step Guide

    Let's do this.) Subtract all your expenses from your income. This number should equal zero, meaning you just made a zero-based budget. This is key: A zero-based budget doesn't mean you let your bank account reach zero. (Leave a little buffer in there of about $100-300.) It also doesn't mean you blow all your money.

  19. 20+ Saving Money Worksheets for Students

    Saving Money Worksheets Here are our favorite worksheets to help teach students smart saving habits. Saving money is the secret to financial success. Regardless of how much or little someone makes, having a reliable and consistent savings plan is critical.

  20. PDF Building your savings? Start with small goals

    this much money next month to help me reach my savings goal: Ways to help you find money to save § Take advantage of free and public services like your local library to borrow things you need rather than buying them. TIP: Don't forget to return your items on time to avoid late fees. § Maintain your car. Keeping up on oil changes and tire ...

  21. Saving Money Lesson Plans, Saving Activities, Teaching Worksheets

    Our lesson plans and worksheets have been thoughtfully developed to guide your students through the principles and practices of saving money. These resources are not only comprehensive but also highly adaptable, allowing you to customize them to suit your classroom needs or individual study requirements.

  22. 14 Free Financial Literacy Worksheets PDF (Middle & High School)

    Here you'll find some great free PDFs all about helping kids to understand how to save money and how to set money saving goals. 1. FDIC's Money Smart Worksheets. Suggested Age: 3-5 grade and 6-8 grade. This is an entire money curriculum from the FDIC (the people who insure our savings accounts), for various grade ranges.

  23. How much money Americans saved at every age in 2023

    Here's how much Americans saved on average in 2023, by generation: Gen Z (ages 12 to 27): $6,441. Millennials (ages 28 to 43): $9,299. Gen X (ages 44 to 59): $5,132. Baby boomers (ages 60 to 78 ...