Use NerdWallet's free template to make a budget that aligns with the 50/30/20 spending rule. A budget can show you where your money is going so you can make changes if needed.

Here’s how to make it effortless using the Final Family Budget Template:. 1. Know What You Bring In. Start by entering your Monthly Net Income into the input field. This is your take-home pay ...

For example: If you make $4,000 per month after taxes, then $2,000 should go toward needs, $1,200 to wants and $800 for savings and paying down debt. Figure out how your monthly budget breaks down ...

A student loan payment that exceeds 10% of your discretionary income could be difficult to afford. Let's say, for example, that your monthly take-home pay is $3,500.

For example: If you make $4,000 per month after taxes, then $2,000 should go toward needs, $1,200 to wants and $800 for savings and paying down debt. Figure out how your monthly budget breaks down ...

For example: If you make $4,000 per month after taxes, then $2,000 should go toward needs, $1,200 to wants and $800 for savings and paying down debt. Figure out how your monthly budget breaks down ...

For example: If you make $4,000 per month after taxes, then $2,000 should go toward needs, $1,200 to wants and $800 for savings and paying down debt. Figure out how your monthly budget breaks down ...

For example: If you make $4,000 per month after taxes, then $2,000 should go toward needs, $1,200 to wants and $800 for savings and paying down debt. Figure out how your monthly budget breaks down ...

For example: If you make $4,000 per month after taxes, then $2,000 should go toward needs, $1,200 to wants and $800 for savings and paying down debt. Figure out how your monthly budget breaks down ...

For example: If you make $4,000 per month after taxes, then $2,000 should go toward needs, $1,200 to wants and $800 for savings and paying down debt. Figure out how your monthly budget breaks down ...

For example: If you make $4,000 per month after taxes, then $2,000 should go toward needs, $1,200 to wants and $800 for savings and paying down debt. Figure out how your monthly budget breaks down ...