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.

This budget worksheet is available as a downloadable PDF or via Google Sheets. If you’re using the spreadsheet version, go to File > Make a Copy to save a copy you can edit.

For example: Say your monthly take-home pay is $3,000. With the 60/30/10 budget, you would devote $1,800 to needs, $900 to wants and $300 toward savings.