How to Design Free Printable Budget Planners


Printable budget planners are free tools to assist you in organizing and tracking finances. These planners are printable and free to design for many types of budget needs.

Things You'll Need

  • Computer
  • Budget Planner or Publisher software
  • Printer
  • Paper
  • Budget Records

First download a printable budget template or create your own free planners using a publisher software or excel spreadsheet.

Next decide on a budget design for your printable planners depending on your pay schedule and income structure. Choose a daily, weekly, or monthly format or a combination if it suits your budgeting needs best.

Make two column headings at the top of your free printable planners, one for Proposed Budget amount and the other Actual Budget amount.

Now make a category for Income and list all forms of earnings at the top of your printable budget planners.

Next divide your expenses into separate budget categories like home, auto, savings, entertainment, taxes, charitable giving, personal needs, and pocket money.

Start by listing your fixed budget expenses on your free planners such as mortgage loan, home and auto insurance, life insurance, retirement, pension, 401 K, college funds, etc.

Next list all your family necessities and estimate a total for your budget planning period. Necessities include food, utilities, clothing, maintenance supplies, car fuel, school supplies, etc.

Then add personal needs to your free planner categories such as hair, nails, doctor, dentist, lunches, personal investments, habits, or hobbies, etc.

Last make a category on your printable planners for emergency money or cash on hand that you are free to contribute to regularly in any amount.

Enter your proposed budget income and expense amounts on your planners and subtract to get an estimated balance. This will help you make adjustments first before you are free to balance your actual printable budget totals.

Tips & Warnings

  • Try to pattern your printable planners on a budget schedule that emulates your income and bill paying schedules and divide accordingly if you have multiple earning periods.
  • Estimate your income totals lower and higher for expense totals initially to offset over spending and free up discretionary income for savings.

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