Grades 9–12Ages 14–18 · Unit 4.6 · The Blueprint
The personal budget: a free worksheet for high school.
Most budget worksheets hand a student fictional numbers and a tidy rule. This one asks for their own take-home pay, makes every dollar carry a job until the unassigned line reads zero, and then asks the question the tidy version never does: where does 50/30/20 not fit your life, and is that a choice or a constraint?
No account. No email. Nothing collected about your child.
What is on the page
- Four lines to complete against monthly net income
- An unassigned line that has to reach zero
- A written section on where the ratio breaks
- An answer page covering both halves
What it teaches
- Giving every dollar a job before the month starts
- Treating saving as a category, not a leftover
- Judging when a standard rule does not apply to you
How to run it
Ask which line they filled in last. Nearly every student writes saving last and gives it whatever survives — this sheet is built to make that visible.
The other free worksheets
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Need or Want?
Six everyday things to sort into needs and wants, then one of each to draw.
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Three Jars, Not Two
Ten coins across three jars — spend, save and give. They must add up to ten.
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Every Coin Has a Value
Write what a penny, nickel, dime and quarter are worth, then draw a dollar bill.
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My Saving Goal
Name what you are saving for, what it costs, and when you want it by.
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50 / 30 / 20
A first budget: split $10, $20 and $50 across needs, wants and saving.
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Set a SMART Goal
Turn a vague saving wish into a goal with a number, a date and a weekly amount.
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Sort the Earner
Eight people, eight ways of getting paid. Name the income type for each.
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The Four Players
Match five everyday events to households, businesses, banks or government.
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Unit Price Math
Four pairs of packages. Work out the price of one, then say which is really cheaper.
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The Time Value of Patience
Sai saves for ten years and stops. Macon saves for forty. Who has more at 65?
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Advertising Literacy
Four ad lines. What each claims, what it proves, and what it wants you to feel.
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Emergency Fund First
Size an emergency fund from your own costs, and say why it comes before investing.
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The Score That Follows You
The five things that build a credit score — and what a low one costs on one car loan.
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Where Did $177 Go?
Miller earned $1,200 and was paid $1,023. Build the pay stub and find the $177.
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Principal, Interest, Rate
Define the six words on every loan document, and say which raise what you repay.
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Sticker, Gift, Net
Two schools, two sticker prices. Subtract gift aid and find out which really costs less.
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Four Ways to Get Paid
Employee, entrepreneur, investor, hybrid — what each one trades, and its ceiling and floor.
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The Credit Card Trap
A $4,100 balance at 24.9% APR, and four ways to pay it down.
Get this one ›See all four free financial literacy worksheets, read what twelfth grade learns about money, or start with our guide to financial literacy for kids.
Where it comes from
Unit 4.6 · The Blueprint of a 266-lesson curriculum.
This sheet is one activity, unchanged, from Financial Foundations™. Teachers can run a free five-week pilot with one class. Families can take the Family Edition home.