Monthly budget
| Item | Planned | Actual | Difference |
|---|---|---|---|
| Income | |||
| Total | $0.00 | $0.00 | |
| Fixed costs | |||
| Total | $0.00 | $0.00 | |
| Everyday | |||
| Total | $0.00 | $0.00 | |
| Savings and debt | |||
| Total | $0.00 | $0.00 | |
| Income − spending | $0.00 | $0.00 | |
Printable monthly budget planner
Type your planned amounts at the start of the month and the actual ones as you go. Totals and differences update on their own. Rename or add lines, then print it or save it as a PDF.
How to use it
- Start with income: what will actually reach your account this month.
- Fixed costs next: rent, utilities, insurance, phone, transport, subscriptions. They're known in advance, so plan them exactly.
- Everyday spending: groceries, health, children, going out. Plan a realistic amount, not an ideal one.
- Savings and debt: put an amount in, even small. Paying yourself first works better than saving what's left.
- At month end, fill in the actual column. The difference column shows where the plan held and where it didn't.
"Income − spending" at the bottom should be zero or positive. If it's negative on the plan, adjust before the month starts, not after.
Paper, spreadsheet or app?
Paper works if you look at it every week. For a ready-made spreadsheet, see our monthly budget template. If writing things down is the step you skip, the Binome360 app lets you say "groceries 45" and keeps the totals for you.
About this planner
Nothing you type is sent or stored: it disappears when you close the page, so print or save it first.
Frequently asked questions
Is this budget planner free?
Yes, with no account. Fill it in and print it, or choose Save as PDF in the print window.
Can I change the categories?
Yes: every line label is editable, and you can add lines in each group.
Planned or actual: which matters more?
Both. The plan tells you where money should go; the actual column tells you where it went. The difference is where you learn.
Put it into practice
Say it once. Binome360 keeps the record.
A sentence, a voice note or a receipt photo: the assistant prepares the record in the right space, you confirm. 7 days free.
More free tools
50/30/20 budget calculatorEnter your take-home pay and see your 50/30/20 split for needs, wants and savings, then compare it with what you really spend. Free, private, no sign-up.Debt payoff calculator: snowball vs avalancheEnter your debts and your monthly budget: see when you'll be debt-free and how much interest you'll pay with the snowball and avalanche methods, side by side.Profit margin and markup calculatorWork out your gross margin and markup from cost and price, or the selling price you need for a target margin, with or without VAT or sales tax. Free, instant.Savings circle payout schedulePlan a tanda, susu, chama, paluwagan or tontine: enter members, amount and rhythm, draw the order, and get the full payout calendar to print or share.52-week savings challenge plannerBuild your 52-week savings challenge: choose the starting amount, the weekly step and the start date, tick off each week, and print the chart. Free, no sign-up.Emergency fund calculatorWork out your emergency fund target from your essential monthly spending, see how far you are from it, and how many months it takes at your saving pace.Savings calculatorSee how much your savings grow with a monthly deposit and interest, how much of it is interest, and when you reach your goal. Free, private, no sign-up.Free invoice generatorFill in your invoice online, see it as you type, then print it to PDF or download it as a Word file. Free, no sign-up, nothing you type is stored.Free quote templateFill in a quote online, see it laid out as you type, then print it to PDF or download it as Word, with a signature block for your client. Free, no sign-up.VAT calculatorAdd VAT to a net price or take it out of a gross price, at 20%, 5%, 0% or any rate, and see the VAT amount and the formula. Free, instant, no sign-up.BMI calculatorWork out your body mass index from your weight and height, in kg and cm or lb and feet, with the WHO adult category and what BMI does and doesn't tell you.Discount calculatorWork out a sale price from a percentage off, stack two discounts correctly, or find what percentage a reduction really is. Free, instant, no sign-up.Break-even calculatorFind how many units you must sell each month to cover your fixed costs, your break-even revenue and your contribution margin. Free, no sign-up.Debt-to-income ratio calculatorCalculate your debt-to-income ratio from your monthly income and debt payments, and see how a new loan or card payment would change it. Free, no sign-up.Blank weekly timetableA free blank timetable: choose your hours, 30- or 60-minute slots and whether to include the weekend, fill it in on screen, then print it or save it as a PDF.Daily cash book templateA free daily cash sheet: opening float, cash in and out, expected cash, counted cash and the difference, worked out for you. Fill it in, then print or save as PDF.Expense report templateA free expense report: date, purpose, category, amount and tax for each expense, with the total to reimburse worked out. Fill it in online, then print or save as PDF.12-month cash flow forecastA free 12-month cash flow forecast: money in and out each month, net cash and month-end balance, with negative months in red. Fill it in, then print or save as PDF.Calorie table for common foodsCalories per 100 g and per portion for 116 everyday foods, including West African staples, from official food composition tables. Search, adjust the grams, done.Rent receipt templateMake a rent receipt in a minute: landlord, tenant, property, period, rent and charges, payment method and date. Print it, save it as PDF or download it as Word.Free receipt generatorMake a payment receipt for cash, bank transfer, check or mobile money: who paid, how much, for what and when. Print it, save it as PDF or download it as Word.