Where did the money go? This planner shows you, month by month.

Inside (printable PDF, 3 pages, A4 / US Letter):

• Monthly budget worksheet: income and 12 expense categories, each with Budgeted / Actual / Difference columns, plus a money-left total

• Expense tracker: 30 lines, one per purchase — date, what you bought, category, amount

• Savings goal tracker: goal, target amount, monthly saving, target date, plus a 12-month progress grid

• Debt payoff tracker: 6 debts with balance, minimum payment, extra payment and payoff date

• Year at a glance for 2026–2027: all 12 months in one table, with a yearly savings total

• Money rules that actually work, and print-and-reuse instructions.

Print at 100% scale and fill in by hand. No app, no subscription, no account needed.

You get the PDF instantly after purchase. No physical item is shipped.

No income or savings promise: how much you save depends on your income, your expenses and what you actually do with the plan.