Monthly Budget Planner (PDF) – undated, printable & fillable

Take control of your money in just 10 minutes a week.

This undated A4 budget planner helps you see where your money goes, pay every bill on time and finally start saving, without complicated spreadsheets. Print it, or fill it in on your tablet or computer.

Instant PDF download right after payment. This is a digital product, so nothing is shipped.

What’s inside: 16 pages

1. Cover – write your name and the year.
2. How to use – 4 simple steps, about 10 minutes a week, plus print and tablet tips.
3. Contents – tap a card to jump to any page.
4. My money vision board – your “why” and 6 dream cards (travel, home, car, learning, treat myself, big dream) with the cost and a “by when” date.
5. Year at a glance – colour the income vs expenses bars month by month and note how much you saved.
6. Monthly budget – planned on day 1, actual every Monday: income (with 13th month or bonus and family allowance), fixed costs, variable costs and savings.
7. Where my money went – a spending donut to colour in (each slice = 5%) and your top 3 categories.
8. Expense tracker – big, easy rows, week by week, with category numbers from the key.
9. Bills & due dates – a calendar that starts on Monday and a list of this month’s bills to tick off.
10. No-spend days & habits – a 31-day no-spend challenge with your own reward, 5 money habits and how you felt about money each week.
11. Subscriptions – the cost per month and per year, “keep or cancel”, and what you save by cancelling.
12. Debt payoff mountain – colour one step per payment until “Debt free!”, list up to 5 debts and pick the snowball or avalanche method.
13. Emergency fund & savings goals – a jar to fill level by level (each level = 10% of your goal) and 3 goal thermometers.
14. 50/30/20 calculator – split your net income into needs, wants and savings & debt, then colour your real split.
15. 52-week coin jar – save €1 in week 1, €2 in week 2… up to €52: €1,378 in a year.
16. Month review & wins – earned, spent, saved and debt paid, your wins, what you learned, your money mood and next month’s plan.

See it filled in

Made for Europe

Amounts in €, weeks that start on Monday, and categories for rent or mortgage, insurance, family allowance and the 13th-month salary. Because it’s undated, you can start any month and use it again every year.

Who it’s for

• You want to start budgeting but spreadsheets put you off.
• You juggle rent, bills and family costs and want everything on one page.
• You are paying off debt or building an emergency fund, step by step.
• You like to see your progress: colouring in a chart or a coin jar keeps you going.

How to use it

• Print it: A4, at actual size (100%). Print the monthly pages again every month.
• On a tablet: open it in GoodNotes, Notability, Xodo or Acrobat Reader and tap the tabs on the right to move between pages.
• On a computer: in Acrobat Reader you can type straight into the fields.
• Your routine: plan on day 1, update every Monday in about 10 minutes, review and celebrate at month end.

Price and download

€7.90 + VAT. Gumroad adds your country’s VAT at checkout, so the final price is, for example, €9.24 in Luxembourg, €9.40 in Germany, €9.48 in France and €9.72 in Portugal.

Instant PDF download right after payment. This is a digital product, so nothing is shipped.

EU right of withdrawal: this is digital content supplied immediately. By purchasing, you request immediate access to the download and acknowledge that you lose your 14-day right of withdrawal once the download starts. Faulty file or not as described? We will fix it or refund you. See our Terms of sale.

Questions

Is it dated?

No. It’s undated, so you can start in any month and reuse it every year.

What size is it?

A4 (16 pages), designed for European printers.

Can I type in it?

Yes. In Acrobat Reader you can type in the fields. In GoodNotes or Notability you write by hand with your pen.

Also available in French, German and Portuguese.