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Use NerdWallet's free monthly budget planner to quickly see how your spending aligns with the 50/30/20 rule.

Detailed free budget calculator to plan personal finances with Debt-to-Income (DTI) ratio and expense breakdown. Also, download our free budget template.

Oct 7, 2025 · Creating a budget is the first step to better financial planning. Our guide covers helpful budgeting tips and includes a basic budget template for beginners.

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Oct 8, 2025 · The federal budget deficit was $1.8 trillion in fiscal year 2025, CBO estimates, $8 billion less than the shortfall recorded during fiscal year 2024.