Printable 50/30/20 Budget Worksheet
50/30/20 Budget Worksheet
| Source | Amount |
|---|---|
| Net paycheck | |
| Partner's paycheck | |
| Other income | |
| Subtotal | $0.00 |
| Expense | Amount |
|---|---|
| Rent / Mortgage | |
| Utilities | |
| Groceries | |
| Transportation | |
| Insurance | |
| Minimum debt payments | |
| Subtotal | $0.00 |
| Expense | Amount |
|---|---|
| Dining out | |
| Entertainment | |
| Hobbies | |
| Subscriptions | |
| Shopping | |
| Travel | |
| Subtotal | $0.00 |
| Goal | Amount |
|---|---|
| Emergency fund | |
| Retirement | |
| Extra debt payments | |
| Investments | |
| Subtotal | $0.00 |
The 50/30/20 budget splits take-home pay into three buckets: 50% for needs, 30% for wants, and 20% for savings and debt payoff. Enter your income and the worksheet shows each bucket's target dollar amount next to what you've actually assigned.
The 50/30/20 rule is a popular starting framework, not a law — high housing costs push many households above 50% on needs. Treat the target percentages as a guide, and adjust the split to your real situation.
How to use it: Base the percentages on take-home (after-tax) pay, not gross. If needs run over 50%, the usual fix is trimming wants, not raiding the savings bucket. Everything except the worksheet is stripped from the printout automatically, so what you see is what prints. To keep a copy, choose "Save as PDF" as the destination in the print dialog — no software to install.
These are free general-purpose budgeting worksheets, not personalized financial, tax, or investment advice. Your entries stay in your browser and are never uploaded.