If you want a template that does all the math for you, Google Sheets offers annual and monthly budget templates. You can also find tons of third-party templates you can customize in Google Sheets.

9 Free Budget Templates and Spreadsheets The good news is that if apps aren’t your thing, you don’t have to complicate your life by asking yourself, “How do you make a printable budget sheet?” ...

If you're not sure how to best approach it, you may put it off for another time. Good budgeting templates, however, take care of that so you can just get started.

Templates are customizable and the company boasts data privacy as a key feature. (Tiller costs $79 per year after a 30-day free trial, so we didn’t add it to our list of free spreadsheets.) ...