50/30/20 Budget
kakeibo-templates.com
STEP 1: Your After-Tax Income
NEEDS
Essential expenses you must pay
| Expense | Budgeted | Actual |
|---|---|---|
| Housing (Rent/Mortgage) | $________ | $________ |
| Utilities (Electric, Gas, Water) | $________ | $________ |
| Groceries | $________ | $________ |
| Transportation | $________ | $________ |
| Insurance (Health, Car, Home) | $________ | $________ |
| Minimum Debt Payments | $________ | $________ |
| Childcare | $________ | $________ |
| Other Needs: | $________ | $________ |
| Total Needs | $________ | $________ |
WANTS
Non-essential spending that improves life
| Expense | Budgeted | Actual |
|---|---|---|
| Dining Out | $________ | $________ |
| Entertainment | $________ | $________ |
| Subscriptions (Streaming, etc.) | $________ | $________ |
| Shopping | $________ | $________ |
| Hobbies | $________ | $________ |
| Personal Care | $________ | $________ |
| Travel/Vacations | $________ | $________ |
| Other Wants: | $________ | $________ |
| Total Wants | $________ | $________ |
SAVINGS & DEBT
Building wealth and paying off debt
| Category | Budgeted | Actual |
|---|---|---|
| Emergency Fund | $________ | $________ |
| Retirement (401k, IRA) | $________ | $________ |
| Extra Debt Payments | $________ | $________ |
| Sinking Funds | $________ | $________ |
| Investments | $________ | $________ |
| Other Savings: | $________ | $________ |
| Total Savings | $________ | $________ |
MONTHLY CHECK
Notes & Adjustments for Next Month:
Free template from kakeibo-templates.com
50/30/20 Budget Template - Simple Rule-Based Budget Planner (Free)
Apply the popular 50/30/20 budgeting rule with this ready-to-use template. Automatically calculates your allocations for needs (50%), wants (30%), and savings (20%).
Free to use • Print or save as PDF • No email required
How to Use This Template
Enter Your After-Tax Income
Input your monthly take-home pay
View Your Allocations
The template calculates 50%, 30%, and 20% automatically
List Your Needs
Enter essential expenses - rent, utilities, groceries, insurance
List Your Wants
Add discretionary spending - dining, entertainment, subscriptions
Assign Savings
Decide where your 20% goes - emergency fund, retirement, debt
Track and Adjust
Monitor spending to stay within each category limit
Frequently Asked Questions
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INCOME
| Source | Expected | Actual |
|---|---|---|
$ | $ | |
$ | $ | |
$ | $ | |
$ | $ | |
$ | $ | |
| Total Income | $ | $ |
EXPENSES
Fixed Expenses
| Category | Budgeted | Actual |
|---|---|---|
| Rent/Mortgage | $ | $ |
| Utilities | $ | $ |
| Insurance | $ | $ |
| Phone/Internet | $ | $ |
| Subscriptions | $ | $ |
Variable Expenses
| Category | Budgeted | Actual |
|---|---|---|
| Groceries | $ | $ |
| Transportation/Gas | $ | $ |
| Dining Out | $ | $ |
| Entertainment | $ | $ |
| Shopping | $ | $ |
| Personal Care | $ | $ |
| Health/Medical | $ | $ |
| Other | $ | $ |
| Total Expenses | $ | $ |
SAVINGS & DEBT
| Category | Goal | Actual |
|---|---|---|
| Emergency Fund | $ | $ |
| Retirement | $ | $ |
| Debt Payment | $ | $ |
| Other Savings | $ | $ |
| Total Savings | $ | $ |
MONTHLY SUMMARY
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START OF MONTH REFLECTION
How much money do I have available?
How much would I like to save?
How much am I spending?
How can I improve?
INCOME (収入)
| Date | Source | Amount |
|---|---|---|
| ____/____ | ¥/$ __________ | |
| ____/____ | ¥/$ __________ | |
| ____/____ | ¥/$ __________ | |
| ____/____ | ¥/$ __________ | |
| ____/____ | ¥/$ __________ | |
| Total Income | ¥/$ __________ | |
FIXED EXPENSES (固定費)
| Expense | Amount |
|---|---|
| Rent/Mortgage | ¥/$ __________ |
| Utilities | ¥/$ __________ |
| Insurance | ¥/$ __________ |
| Phone/Internet | ¥/$ __________ |
| Subscriptions | ¥/$ __________ |
| Other Fixed | ¥/$ __________ |
| Total Fixed | ¥/$ __________ |
SPENDING BY CATEGORY
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| Subtotal | $______ | |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| Subtotal | $______ | |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| Subtotal | $______ | |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| Subtotal | $______ | |
MONTHLY SUMMARY
END OF MONTH REFLECTION
What went well this month?
What could I improve?
What will I do differently next month?
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INCOME
GIVE EVERY DOLLAR A JOB
| Rent/Mortgage | $________ | $________ |
| Electric | $________ | $________ |
| Gas/Heat | $________ | $________ |
| Water | $________ | $________ |
| Internet | $________ | $________ |
| Phone | $________ | $________ |
| Car Payment | $________ | $________ |
| Gas | $________ | $________ |
| Insurance | $________ | $________ |
| Maintenance | $________ | $________ |
| Parking/Tolls | $________ | $________ |
| Groceries | $________ | $________ |
| Dining Out | $________ | $________ |
| Coffee/Snacks | $________ | $________ |
| Clothing | $________ | $________ |
| Personal Care | $________ | $________ |
| Health/Medical | $________ | $________ |
| Entertainment | $________ | $________ |
| Subscriptions | $________ | $________ |
| Hobbies | $________ | $________ |
| Health Insurance | $________ | $________ |
| Life Insurance | $________ | $________ |
| Credit Card | $________ | $________ |
| Student Loan | $________ | $________ |
| Other Debt | $________ | $________ |
| Emergency Fund | $________ | $________ |
| Retirement | $________ | $________ |
| Sinking Funds | $________ | $________ |
| Other Goals | $________ | $________ |
| Charity | $________ | $________ |
| Gifts | $________ | $________ |
| Buffer/Fun Money | $________ | $________ |
| Other: | $________ | $________ |
| Other: | $________ | $________ |
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