Teaching · Personal Finance
The Teen Budget That Does the Math for You
Type in your money in and your money out. See what you have left and what you’re saving — instantly. Built for how teens actually get and spend money, with every income source optional. Works in Excel and Google Sheets. No app, no account inside the file.
What’s Inside
A budget shaped like your actual money life
Most budgeting tools are built for adults with a salary, rent, and bills. This one is built for allowance, a part-time shift, odd jobs, and birthday money — and the things teens actually buy. Fill in a few rows; everything else calculates for you.
- Monthly Budget — income and spending, with money left over calculated for you
- Plan vs. Actual — compare what you planned with what you really spent
- Savings Goal tracker — how much to set aside each month, and your progress
- Spending Log — jot down purchases; it totals them by category
- Finished Example month — so you always know what “done” looks like
- Editable Categories — change income sources and expenses to fit you
- Need / Want / Save tags on every expense
- Printable PDF worksheet — budget on paper too
Get It
Try the free sample, or get the full version
Free with a free account
Free sample
The Start Here guide plus the complete Monthly Budget sheet — a real, working one-month budget, not a locked preview. Create a free Money Instructor account to download — already a member? Just log in.
Included with paid membership
Full version
The complete six-sheet workbook — Savings Goal, Spending Log, Example month, and editable Categories — plus a printable PDF worksheet. Free and logged-out visitors are prompted to create an account or upgrade.
Who It’s For
Made for teens — and the classrooms that teach them
Teens, grades 7–12
Get a handle on your own money, whatever you earn — a lot, a little, or some birthday cash.
Personal-finance teachers
A no-prep digital budgeting activity for a personal-finance or life-skills unit.
Homeschool families
A simple, hands-on way to teach budgeting with real numbers.
Tried a budgeting app?
If it felt built for someone else’s life — salary, rent, bills — this one fits yours.
Use It Your Way
Type it on a screen — or print it and fill it in
Open the workbook in Excel or free Google Sheets (works on a Chromebook too) and let it do the math. Prefer paper? The full version includes a printable PDF worksheet you can fill in by hand. Either way, the formulas are simple and visible — no macros, no locks, nothing saved online.
Try free interactive money lessons →Questions
Frequently asked questions
Do I need Excel?
What if I don’t have a job or allowance?
Is this real financial advice?
What’s the difference between the free sample and the full version?
How do I get each one?
Can a teacher use it with a class?
Can I reuse it next month?
Start This Month
See where your money goes — in about five minutes
Try the free sample, or get the full version and start budgeting today.