How to Create a Blank Budget Form

A blank budget form can be used to track household finances, pay bills, manage spending, or increase savings for retirement. This blank form can be adapted to meet many household budget needs.

First download a sample budget template to pattern your budget after or create your own form using a household spreadsheet software program like Microsoft Excel.

Then choose a schedule format for your budget form depending on your household income/bill payment periods. You can elect to set your schedule weekly, bi weekly, monthly, or customized a blank schedule where you assign individual payment dates.

Next make three column headers across the top of your blank form including: 1. Budget Goal 2. Budget Actual 3. Savings Difference

Now enter categories down the left column of your blank form such as household income, savings and retirement, fixed expense amounts, variable needs amounts, discretionary, emergency cash needs, etc. to separate your budget needs.

Make a category labeled Budget Totals at the bottom of each of your categories and at the bottom of your blank budget form to represent your total goal amounts, actual amounts, and total savings difference.

Use your excel auto sum function to add and subtract your household budget columns to achieve totals for your blank form.


  • Make sure to change the excel number format to represent your currency and choose the number of decimal places. Include blank rows for entering other income and expense items under each budget category on your form.

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