Monthly Budget Worksheet - Track Spending - Plan Income and Expenses

Sep 13, 2026

Monthly budget worksheet for tracking income and expenses across categories such as transportation, food and housing, utilities, education, entertainment, health, family costs, and debt payments. Includes budget versus actual columns and automatic totals to reveal whether spending matches the planned amounts. Supports setting savings goals and monitoring spendable income, using inputs for work income, other income or refunds, and emergency or savings funds to guide monthly adjustments.

LanguageEnglish

CategoryForms

FormatPDF

Pages1

AccessFree to download

Income

Expenses

Savings and emergency fund

Spending categories

Debt and payments

Totals and spendable income

My monthly budget worksheet Use this interactive worksheet to track your spending, build a monthly budget, and set a goal. It automatically totals your numbers so you can check if you’re on track, or if you need to make some adjustments. | Income | | Budget | | Actual | | Expenses | | Budget | | Actual | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | Work | $ | $ | | | | Transportation | | | | | | Other/aid refund
Total income | $
$ | 0.00 | $
$ | 0.00 | | Car payment
Car insurance Gasoline Transportation
Other | $
$
$
$
$ | | $
$
$
$
$ | | | | | | | | | | | | | | | Expenses | | Budget | | Actual | | | | | | | | | | | | | | Savings
Savings
Emergency expense fund | $
$ | | $
$ | | | Food and housing
Groceries Insurance Rent/mortgage Taxes
Other | $
$
$
$
$ | $
$
$
$
$ | | | | | | | | | | | | | | | | Utilities
Cable/internet
Cell phone | $
$ | | $
$ | | | Education
Books/supplies Tuition/fees Other | $
$
$ | $
$
$ | | | | | | | | | | | | | | | | Entertainment
Eating out
Other | $
$ | | $
$ | | | | | | | | | Miscellaneous
Clothing/laundry Pet supplies
Other | $
$
$ | | $
$
$ | | | Health
Medical/prescriptions Life/health insurance
Other | $
$
$ | $
$
$ | | | | | | | | | | | | | | | | Total expenses | $ | 0.00 | $ | 0.00 | | Family expenses | | | | | | | | | | | | | | | | | | | | | | | | Babysitter/child care | $ | $ | | | | | | | | | | | | | | | | Totals | | Budget | | Actual | | Other | $ | $ | | | | | | | | | | | | | | | | Total income | $ | 0.00 | $ | 0.00 | | Debt | | | | | | Total expenses
Spendable income
(Income minus expenses) | $
$ | 0.00
0.00 | $
$ | 0.00
0.00 | | Credit card payments | $ | $ | | | | | | | | | | Student loan payments | $ | $ | | | | | | | | | | Other | $ | $ | | | | | | | | | © 2025 SLM Education Services, LLC. All rights reserved. Scholly, Sallie, the Sallie logo, other Sallie names and logos and all related names, logos, product and service names, designs, and slogans are the property of SLM Education Services, LLC, our affiliates, or licensors. All other names and logos used are the trademarks or service marks of their respective owners. WF775300 0925

FAQs

How do I use this monthly budget worksheet to track spending?

Enter amounts for income and for each expense category in the Budget and Actual sections. The worksheet totals your numbers so you can compare planned spending against what you actually spent.

What categories of expenses are included in the worksheet?

It covers transportation, food and housing (including groceries, insurance, rent or mortgage, and taxes), utilities, education, entertainment, miscellaneous, health, family expenses, and debt-related items like credit card and student loan payments.

How does the worksheet help me plan savings and goals?

Use the Savings and Emergency expense fund sections to record savings amounts. The worksheet also shows spendable income as income minus expenses, helping you adjust your plan during the month.

Sep 13, 2026

Uploaded by Felix Montgomery