Budget template for a young professional

For someone living on their own salary for the first time. It pays yourself first with savings, keeps room for going out, and sets rent aside every month so the yearly payment is ready when it is due.

Use this templateFree. No account needed to start.
Planned against $4,000 a month
  • Rent (saving towards it)22% · $880
  • Electricity and fuel5% · $200
  • Data and airtime3% · $120
  • Food15% · $600
  • Transport10% · $400
  • Personal care and clothes5% · $200
  • Family support5% · $200
  • Emergency fund10% · $400
  • Investments10% · $400
  • Going out8% · $320
  • Subscriptions2% · $80
  • Everything else5% · $200
  • Bills
  • Everyday
  • Savings
  • Fun

What to put in it

  • Move savings out on payday, before you spend anything.
  • Keep an emergency fund of three months of costs before investing.
  • If one category keeps going over, raise it and lower another. The plan should match your life.

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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