NerdWallet's budget template incorporates the 50/30/20 rule ... Your take-home pay, or your monthly income after taxes. A pay stub will likely be the easiest place to find this information.

If you want a template that does all the math for you, Google Sheets offers annual and monthly budget templates. You can also ...

Use this as a starting point or guideline to create your own budget percentages! We use Dave Ramsey’s recommended monthly budgeting percentages, and adjust as needed for our debt payoff goals.