b2KIT
budgets - DOCX / PDF

Personal Monthly Budget

Track income, fixed expenses, variable spending, savings goals, and debt payments with the 50/30/20 framework

Personal Monthly Budget
Period
Prepared By
CategoryBudgetedActualVariance
Total
Notes

The budget that actually works because it’s simple enough to maintain.

Budget Categories

Income:

  • Salary/wages (after tax)
  • Side income, freelance, gig work
  • Investment income, dividends

Needs (50%):

  • Housing (rent/mortgage)
  • Utilities (electric, gas, water, internet, phone)
  • Insurance (health, auto, renters/home)
  • Groceries
  • Transportation (car payment, gas, transit pass)
  • Minimum debt payments

Wants (30%):

  • Dining out and takeout
  • Entertainment (streaming, concerts, hobbies)
  • Shopping (clothing, electronics, home)
  • Travel and vacations
  • Subscriptions and memberships

Savings & Debt (20%):

  • Emergency fund
  • Retirement (401k, IRA)
  • Extra debt payments
  • Short-term savings goals

Includes actual vs. budgeted columns and running balance. Notes section for tracking irregular expenses.

Customize categories, set your target amounts, and track monthly in PDFb2.

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