If you have Microsoft Office, consider Microsoft Excel's suite of budgeting templates designed to fit many different needs, from basic monthly budgeting to financial tracking for specific events.

It provides a clear summary of your monthly expenses and savings. If you're looking for a no-frills tracker, Google Sheets has a free to-do list template with columns for tasks and due dates.

A budget planner is a tool, such as a worksheet or template ... they can track and categorize expenses for you. Keep in mind that some budgeting apps are free, while others charge a monthly ...