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70+ Budget Categories To Consider For Your Budget

If you're new to budgeting, or a seasoned budgeter.. here are 70+ budget categories to help you gain control of your finances!In society to concur an effective budget, you lot’re going to involve some basic personal budget categories to showtime.

Determining the budget category to utilisation isn’t always tardily, specially if you lot’ve never made a budget earlier.

Start your budget off correct . . . hither are some of the best budgeting categories to laid yous off on the right human foot.

Making Your First Budget

The budgeting categories listed below won’t exercise you whatever goodness unless yous receive got some audio principles behind them.

Bob has written a great article on how to prepare a budget that includes how to create the “solid solid ground’s easiest budget” together with other budgeting methods designed to save you the most money possible.

And if you prefer, you can download one of these gratis budgeting spreadsheets or take the Real Money Budgeting online class of instruction as sound.

lxx+ Basic Personal Budget Categories

Below I’ve listed many basic budgeting categories, but empathize that these are non necessarily prioritized. Some are essential, some are recommended, together with some are discretionary – it’s upwards to you lot to figure out which are which beyond what I’ve said below. I’ve added subcategories to each major category too hence yous give the sack further define your budgeting categories as needed.

Remember, these are but to get yous started, nil more than than.


Giving puts money inward perspective – in addition to it as well helps the community at large. It should survive the top priority on your budget.


You give the sack’t concur out without it. Food needs to endure real high on your prioritized budget listing.

  • Groceries

  • Restaurants

  • Pet Food/Treats


Nothing similar a roof over your chief. This i is important too, together with brand certain that yous terminate afford whatever domicile you select!

  • Mortgage

  • Rent

  • Property Taxes

  • Household Repairs

  • HOA Dues


Don’t forget the importance of utilities. Some of these are to a greater extent than of import than others. For case, you powerfulness select to give-upward the ghost without cable!

  • Electricity

  • Water

  • Heating

  • Garbage

  • Phones

  • Cable

  • Internet


Wear something. It’s kind of socially important. But don’t go overboard here with all the latest trends – that’s for your Fun Money category to deal.

  • Children’sec Clothing

  • Adult’second Clothing


Commute to spell of operate? Transportation is of import. But you lot’re going to necessitate to a greater extent than gasoline too fossil oil changes . . . .

  • Fuel

  • Tires

  • Oil Changes

  • Maintenance

  • Parking Fees

  • Repairs

  • DMV Fees

  • Vehicle Replacement – This should be for reasonable vehicle replacements; fancy add together-ons should come from your Fun Money category.


Even if y'all are good for you inwards improver to don’t conduct lucifer many medical expenditures, brand for sure you lot consider these categories.

  • Primary Care

  • Dental Care

  • Specialty Care – Think orthodontics, optometrists, etc.

  • Medications

  • Medical Devices


The goal of insurance is to pay for expenses you can’t afford but desperately need to cover. Raise your deductibles to save some money if you have a fully funded emergency fund.

Household Items/Supplies

Look at your depository financial institution Federal Reserve musical bank complaint and determine what household items together with supplies you buy throughout the calendar month. Here are some commons supplies . . . .

  • Toiletries

  • Laundry Detergent

  • Dishwasher Detergent

  • Cleaning Supplies

  • Tools


This is exactly every fighting it sounds. This category is a sort of “choose grip of all” for anything having to exercise with you or your menage personally. It terminate include subscriptions to personal items or services every bit well as other personal expenditures.

  • Gym Memberships

  • Hair Cuts

  • Salon Services

  • Cosmetics

  • Babysitter

  • Child Support

  • Alimony

  • Subscriptions

Debt Reduction

Reducing your debt is a vital share of your overall financial wellness. Adding as good as maintaining debt causes yous to pay to a greater extent for items as well as services than y'all should.


It’sec pregnant to have a retirement programme you lot tin depend on. With Social Security wavering, who knows if you lot’ll live on able to depend on the authorities for assistance. It is ofttimes recommended to relieve together with invest for retirement every bit a high priority inwards your prioritized budget.


Funding your family’s education is a great return on investment. Raise your income through education! Beware of funding your education through debt. Instead, relieve money upwardly for your teaching needs.

  • Financial Coaching

  • Children’sec College

  • Your College

  • School Supplies

  • Books

  • Conferences


Many financial experts recommend saving at to the lowest storey 10% of your income for diverse expenses. Here are the most mutual ones.

  • Emergency Fund

  • Hill and Valley Fund – For people amongst variable incomes.

  • Other Savings – You tin dismiss add together other specific saving categories here where needed.


Whether you’re saving for gifts for your spouse, house unit members, or friends, brand for sure you write out how much yous think on spending per soul per occasion. You mightiness involve a spreadsheet for this to include inwards your budget.

  • Birthday

  • Anniversary

  • Wedding

  • Christmas

  • Special Occasion

Fun Money

Everyone needs a little fun. If you don’t budget some fun money, you’ll end up spending money from categories you shouldn’t. Keep this category reasonably funded.

  • Entertainment

  • Games

  • Eating Out

  • Spontaneous Giving

  • Vacations

  • Subscriptions – Such as Netflix.

Editor’s Note: Need a revised and expanded list of these categories? Check out my Budget Category Brainstormer – a beautiful worksheet for printing amongst lxxx+ quaternary dimension-tested categories together with enough of blank spaces for your own!

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