Family monthly budget template

A monthly budget for a family. Housing and bills come first, then groceries, childcare and getting around, then savings for the year ahead and a little for treats. Type what comes in each month and every category gets its share, so the plan adds up at once.

Use this templateFree. No account needed to start.
Planned against $6,500 a month
  • Rent or mortgage28% · $1,820
  • Energy and water6% · $390
  • Phone and internet3% · $195
  • Insurance4% · $260
  • Groceries14% · $910
  • Childcare and school9% · $585
  • Transport8% · $520
  • Health3% · $195
  • Savings10% · $650
  • Retirement5% · $325
  • Family fun and holidays6% · $390
  • Everything else4% · $260
  • Bills
  • Everyday
  • Savings
  • Fun

What to put in it

  • Spread yearly costs, like insurance or holidays, over twelve months and set that aside monthly.
  • Give childcare and school its own line. It is often the second biggest cost after housing.
  • Pay into savings on payday, before the month's spending starts.
  • Import your bank statements to see where the money really went, then adjust the plan.

How it works

  1. Open the template and type what comes in each month.
  2. Every category gets its share, so the plan adds up at once. Change any figure.
  3. Add what you spend, or import a bank statement, and see each month against the plan.

Questions people ask

Is the budget planner free?

Yes. One budget is free, with the last 3 months to look back on. Paid plans keep more budgets and every past month.

Do you connect to my bank?

No. You type what you spend, or upload a statement you downloaded yourself. We never ask for bank logins.

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