Top 10 Free Budgeting & Savings Templates

Having a solid Budgeting & Savings plan is crucial for achieving financial stability and reaching your long-term goals. It allows you to prioritize your spending, save for emergencies, and prepare for the future. A Budgeting & Savings template in Notion can streamline this process by providing a structured and customizable framework to track your finances, set budgets, and monitor your savings progress.

Before you dive into creating your own Budgeting & Savings system, take a look at these Notion templates to make the process easier and more efficient.

What Should Budgeting & Savings Templates Include?

Choosing the right Budgeting & Savings template in Notion can streamline your financial management and help you achieve your savings goals more effectively. Here are key components to look for:

Comprehensive Expense Tracker: This feature should allow you to record daily expenses and categorize them, making it easier to analyze spending habits over time.
Goals Setting: A good template should include a section where you can set financial goals, both short-term and long-term, and track your progress towards achieving them.
Savings Calculator: It should have tools to calculate savings over a period, considering various factors like interest rates and monthly contributions.
Monthly Budget Review: Look for a template that provides a monthly overview of your budget, allowing you to see at a glance how well you are sticking to your budget.

With these components, a Notion template can transform how you manage your finances, making it easier to control your spending and save more efficiently.

What Should Budgeting & Savings Templates Avoid?

Choosing the right Budgeting & Savings template in Notion can streamline your financial management. However, some features might complicate rather than simplify your budgeting process. Here are key components to steer clear of:

Overly Complex Categories: Templates with too many specific categories can make it difficult to consistently categorize transactions, leading to confusion and mismanagement of funds.
Non-Customizable Fields: Avoid templates that don't allow you to modify fields. Flexibility is essential as your financial situation and goals may evolve over time.
Excessive Automation: While some automation can be helpful, too much can obscure how your money is managed. A good template should require some manual input to keep you engaged with your finances.

Ultimately, the best template is one that balances simplicity with functionality, helping you to clearly see your financial habits and encouraging consistent engagement with your budget.

1Monthly budget

Discover your monthly financial flow with this intuitive budgeting template. Simply list all your income sources and their amounts in the Income table, and track your spending in the Expenses table. Easily find the total sum at the bottom of each table, giving you a clear snapshot of what you earn and spend each month. Manage your finances smarter and see where your money goes at a glance.

2Simple Budget

Track your spending to reach your financial goals. Set a monthly cap for your spending, then enter your expenses in the database below. View your expenses in different ways using different database views.

3Budget Planner (w/ charts)

Easily manage and visualize expenses budgeting in Notion and visualize income and spend with beautiful charts. The template demonstrates how Notion2Charts can be used to turn Notion databases into bar charts, line graphs, and donut plots.

A template preview for Budget Planner (w/ charts)

4Simple Budgeting

This free budgeting template keeps things simple so you can quickly budget your needs, wants, and savings. It uses the 50/30/20 rule. It's all connected so you don't have to do any extra math!

5How To Budget

This 'How to Budget' template is a handy financial companion that can be used by anyone looking to gain better control over their money. Divided into four key sections: Monthly Income, Fixed Expenses, Variable Expenses, and Savings & Investment, it's your go-to guide for tracking goals, managing expenses and income, and even noting down future financial aspirations.

6Budget Planner

This template help you to organize your daily spends, weekly and monthly budget. This is easy to use and can create and edit simply. My template has own my cute illustration banner and this template is specially for girls who love soft girl, aesthetic soft theme and cute illustration theme. This is free and I hope you can track your money flows in 2024.

7Savings

This page allows people to track upcoming expenses and properly prepare for them by having quick access to your savings amount. Whenever you put money into your savings account(s), update the Notion page "Balance" and tell the buckets where the money went. You can see your progress towards certain savings goals, how much is unaccounted for in your goals, and how much you have saved for an upcoming expense.

8Budget Tracker

Ever heard of the 50/30/20 rule? It's a budgeting technique that allocates your income into three essential categories:
- 50% for Needs: Cover your essential expenses like rent, utilities, and groceries.
- 30% for Wants: Treat yourself without guilt! This portion is for non-essential spending like dining out, entertainment, and personal indulgences.
- 20% for Savings and Debt Repayment: Secure your financial future by saving and paying off debts strategically.

9Budget tracker

You will get a budget with an overview and an automatic calculator of your remaining money to spend on each category! A slick and easy desgin.

10Budget 2023

This template helps people with their personal finance, it should be used to keep track of all of the expeses made each month.

Closing Thoughts

Utilizing these templates can streamline your financial planning process, making it easier to track expenses and save money. They are designed to be intuitive and user-friendly, ensuring you can start without any hassle.

By adopting these tools, you'll gain a clearer insight into your financial habits and improve your savings strategy. Don't hesitate to integrate them into your daily routine to see real benefits.

What is a Sinking Fund?

A sinking fund is a strategic way to save money by setting aside a small, fixed amount regularly for a specific large expense.

What is Zero-Based Budgeting?

Zero-based budgeting is a method where every dollar of income is assigned a specific purpose, whether it's spending or saving, ensuring no money is left unallocated.

What is a Rainy Day Fund?

A rainy day fund is a type of savings used to cover or offset the cost of an unforeseen expense, such as urgent home repairs or medical bills.