Ever open your banking app and feel like you’re watching a disaster in slow-motion? It’s not that you don’t care — you’re just busy, overwhelmed, and trying to do too much without the right tools.
That’s where budgeting comes in. Below are 10 no-cost, no-stress budgeting tools (including blogs, calculators and free spreadsheets) to help you build a personal playbook for your money.
Whether you’re trying to stretch your paycheck, managing money with a partner, or split expenses with a roommate…there’s something here to help.
1. Traditional Budgeting Spreadsheet
Start simple. This budgeting worksheet helps you break down income, expenses and savings goals without the noise. Just plug in your numbers and go.
2. Debt Payoff Worksheet
If you’re juggling credit card balances or personal loans, this tool will help you visualize what you owe and calculate how much of your monthly income can go toward your repayment budget.
3. Couples Budget Spreadsheets
Finances can create tension in relationships but clear planning can ease it. Learn more about different ways to budget with a partner, like choosing between a 50/50 split or a proportional setup based on income.
4. Roommate Budget Spreadsheet
Great for roommates who shared household expenses. Keep track of who owes what — from rent and utilities to shared groceries and pizza nights.
5. Budgeting for Teens
Teaching teens about budgeting now can save them a lot of stress later. This one’s perfect for teens or students who work part-time workers and are learning to manage their own budget for the first time.
6. Back-to-School Budget Planner
School supplies, new clothes, field trip fees add up quickly. This planner can help you prep for those seasonal costs without breaking the bank.
7. Debt Progress Tracker
Created by the CFPB, this printable worksheet helps you monitor debt payments and see your progress over time — especially encouraging when motivation dips.
8. Pet Budget Spreadsheets
The love we have for our pets is infinite, but our incomes aren’t. So, it’s important to budget appropriately for their care. These tools estimate the real lifetime cost of caring for a cat or dog, from food and grooming to surprise vet visits.
9. Holiday Budgeting Spreadsheet
The holidays are the most wonderful time of the year, they can also be the most expensive. This tool helps you map out gift lists, travel expenses and seasonal extras before things snowball.
10. SWOT Analysis for Your Finances
A SWOT analysis helps you look at your financial strengths, weaknesses, opportunities and risks — so you can strategize smarter. Run a SWOT analysis on your finances to learn your own strengths and weaknesses and make strategic improvements.
Building Better Habits Starts With The Right Tools
These tools aren’t magic wands but they are solid building blocks. They can bring clarity to chaos and help you create real momentum with your financial plans and goals.
Problems with Debt? Talk to A Professional
If using these tools helped you shine a light on any debt problems, a Consolidation Specialist at Accredited Debt Relief can review your financial situation and recommend a plan that’s a good fit for you and your debt.