thepenniesbudget

The free Budget Starter Sheets

Make your first budget on paper in about an hour. Print the sheets, gather a pay stub and last month's statements, and work through them in order.

Download the free PDF

US Letter, print-friendly. Free, and no email or account required.

What's inside

Take-home pay worksheet
Turn weekly or biweekly pay into a monthly number.
30-day spending tracker
Write down every purchase and total it by category.
One-page monthly budget
Needs, wants and savings, with a "left to assign" line.
Yearly bills list
Turn once-a-year costs into a monthly amount.
Bill calendar
Every due date on one page, lined up with your paydays.

General educational information, not financial advice.