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Myhome.FreddieMac.com

Budget Worksheet

Use our budget worksheet to calculate where you are spending your money. Once you have a better idea of your current spending habits, you can make adjustments to reach your financial goals.

Enter your income and expenses for the worksheet to calculate your finances at the end of the month. Once you have filled out each section, you can download the completed worksheet.

Enter your monthly income

Net Monthly Income
Description Amount Frequency
Salary/Wages (your paycheck after taxes, benefits, etc.)
Other (alimony, child support, etc.)
Average Monthly Income

Enter your monthly expenses

Description Amount Frequency
Mortgage or rent
Monthly
Homeowner's or condo association fees
Monthly
Property taxes
Monthly
Homeowner's insurance
Monthly
Other
Monthly
Average Monthly Housing Expenses
Description Amount Frequency
Electric
Monthly
Gas/​heating
Monthly
Water/​sewage
Monthly
Cable/​internet
Monthly
Phone
Monthly
Other
Monthly
Average Monthly Utilities Expenses
Description Amount Frequency
Car payments
Monthly
Public transportation/​ridesharing
Monthly
Gasoline
Monthly
Parking
Monthly
Car tags and insurance
Monthly
Other
Monthly
Average Monthly Transportation Expenses
Description Amount Frequency
Medical insurance
Monthly
Other insurance (dental, life, etc.)
Monthly
Doctors/specialists (including insurance deductibles)
Monthly
Medications
Monthly
Gym membership/​fitness
Monthly
Other
Monthly
Average Monthly Health & Wellness Expenses
Description Amount Frequency
Groceries
Monthly
Meals out
Monthly
Entertainment (movies, concerts, etc.)
Monthly
Subscriptions
Monthly
Other
Monthly
Average Monthly Food & Entertainment Expenses
Description Amount Frequency
Daycare/​babysitter
Monthly
Tutoring/​lessons/​sports
Monthly
School tuition & supplies
Monthly
Other
Monthly
Average Monthly Childcare Related Expenses
Description Amount Frequency
Credit cards
Monthly
Student loans
Monthly
Personal loans
Monthly
Medical debts
Monthly
Other
Monthly
Average Monthly Debt Expenses
Description Amount Frequency
Child support/​Alimony
Monthly
Education
Monthly
Clothing, shoes, accessories
Monthly
Personal care and toiletries
Monthly
Technology
Monthly
Petcare
Monthly
Gifts/​Donations
Monthly
Other
Monthly
Average Monthly Miscellaneous Expenses
Description Amount Frequency
Emergency fund
Monthly
Down payment for home
Monthly
Home maintenance/​improvements
Monthly
Household essentials (furniture, appliances, etc.)
Monthly
Education
Monthly
Wedding
Monthly
Retirement
Monthly
Vacation
Monthly
Other
Monthly
Average Monthly Savings Expenses

Summary of your finances

Summary
Description Amount
Average Monthly Income

Total Monthly Expenses and Savings

Total Budget
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