In this post, you will find:
- A step-by-step guide to using a budget calendar
- Free budget calendar templates, worksheets, printables
- A digital app so you can take your budget calendar on the go
TAKE ACTION:
- Download our free budget calendar for Google Calendar or any of the budget calendars in our round up
- Input your monthly expenses
- Stay on top of bills and paying them on time
This post may contain affiliate links. See disclosure for more details.
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What is a budget calendar
A budget calendar tracks when large amounts of money come into and go out from your bank account each month. It’s like a roadmap that helps you stay on top of your payments throughout the month to make sure that you don’t miss a bill (and get charged extra fees or interest for it).
While surprises are usually fan, not so much when it comes to your bills and expenses.
How to use a budget calendar
If you plan to use your own budget calendar, there are three main budget categories of items you should log onto it.
- Regular income such as paychecks
- Irregular income, such as from a side hustle, if you know the date you are going to be paid out
Recurring bills
This includes payments with set dates each month, such as for:
- Mortgage/rent
- Utilities
- Water
- Electricity
- Phone
- Cable
- Car payment
- Credit cards
- Student loans
- Monthly bills
There are other recurring bills that come every few months that you can add to your calendar as well, like:
- Insurance payments
- Annual or monthly subscriptions
- Tax payments
- Donations
TIP:
Prefer to work your budgets by month instead of year? To make sure you don’t forget about these once-in-a-while bills, make a list of them on a post-it so you can transfer the sticky over easily each month.
If you have a general routine for common expenses, such as buying gas or groceries once every week, you can add them to your calendar as well. List these with the estimated spend, since you won’t know the exact amount.
DO THIS:
Seriously, DO THIS: Include savings as a part of your recurring bills. Whether to build up an emergency fund or invest in your IRA, mark this on the earlier part of your calendar so you have time to actually do it.
Non-recurring expenses
You aren’t limited to only recording your recurring expenses. If you have something coming up that you know you’ll need to spend some money on, you could choose to put it on your calendar also. Examples include:
- Children-related costs, like snacks for the next soccer game
- Gifts
- Clothing
- Entertainment
- Special occasions
Free budget calendars
Personal finance is all about picking what works best for you. Just as different people prefer different budgeting styles, there are all kinds of budget calendars too, some that may work better for you than others.
Budget calendar for Google calendar
If you’d like to track your bills using Google Calendar, grab our free template by clicking on the button below to automatically download to your device. You can import to your Google account by following the instructions right under the download button. All you have to do is change the dates and amounts from our sample entries to whatever your payment dates and amounts are.

How to import our download to your Google calendar:
- Download the .zip folder and extract the .ical file
- Open Google Calendar
- At the top right, click the gear icon, then Settings
- At the left, click Import & Export
- Click Select File from Your Computer and select the ical file
- Choose which calendar to add the imported events to (you can create a new calendar just to keep these events, or add them to your existing calendar)
- Click Import
Budget calendar app
If you prefer to manage your money with modern technology, getting a premium membership with Undebt.it, our favorite debt management tool, is the way to go.
Sign up for a 30-day free trial to see if it’s right for you. It’s 100% risk-free, since no payment info is required and your account will simply revert back to the free version once the trial is over.
WANT A FREE BUDGETING WORKSHEET?
- Simple walkthrough - just one sheet!
- Divide income into 3 categories: needs, wants, and savings
- Bonus expense tracker
- Form fillable!
Budget calendar printable
If you want something simple yet vibrant, check out this bill payment budget calendar. (via Clean and Scentsible)
Budget calendar excel spreadsheet
This Excel budget spreadsheet that lets you enter your bills in a calendar style view and then auto-magically totals your monthly spend. (via Vertex 42)
Annual budget calendar printable
For something that is broken down by month but shows you the entire year on a single page, try this budget plan. (via Freebie Finding Mom)
Erin Condren budget starter pack
If pretty colors and beautiful design will keep you pumped about your budget, this budget planner package will get you oohing and aahing all the way to the bank.
Erin Condren Budget Starter Pack
This pack includes:
- Petite Planner, so you can plan all 12 months of the year in style
- Goal tracking
- Weekly and monthly spending trackers
- Snap-in budget dashboard to track bills and savings
- Decorative stickers and paper tape
Conclusion
A budget calendar is a simple tool that can help you get your finances organized in no time (get it?). Use any of these free budget printables, budgeting Excel spreadsheets, and digital budgeting apps to make tracking your bills a breeze.
TAKE ACTION:
- Download our free budget calendar for Google Calendar or any of the budget calendars in our round up
- Input your monthly expenses
- Stay on top of bills and paying them on time
SPREAD THE WEALTH, SHARE THIS POST!
LEARN MORE TO EARN MORE:
AUTHOR BIO
Sylvia, aka Mama Chang, is a personal finance blogger out to prove the possibility of navigating high-cost living on a low-cost budget. Paid off college and condo in her 20's on under $55k salary. She wants to teach others how optimize money to maximize quality of life. Dual income with kids, based in Hawaii.
Hangs out on Keeping Up with the Changs: Pinterest
hi dear
please help
i add this free calendar and how remove all event of this calendar
please help
best regards
mehdi
Hi Mehdi! To remove all the events on the calendar, you can follow the steps in this Google Help page under the section that says “Delete all events on your calendar”:
https://support.google.com/calendar/answer/37113?co=GENIE.Platform%3DDesktop&hl=en
We hope you find the calendar helpful for reaching your financial goals!