NerdWallet's template incorporates the 50/30/20 budget ... medical debt and other kinds of debt in your monthly budget. Having all of this information at hand will make calculating your budget ...

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.