Cash Envelope Template Printable

Six envelopes and a ledger, both free to print. This cash envelope template printable works as a blank cash envelope system: page 1 holds 6 write-in envelope boxes, each with a category line, a monthly-amount line, and a spent-tally of 4 circles. Page 2 is the envelope log: 10 write-in rows with a date, the envelope the money left, the amount out, and what is left in that envelope. The sheets record; the amounts stay yours.

How to use this page: print both pages at 100% scale (the site chrome drops out on paper). Write your own category on each envelope box and the amount you plan to spend there for the month; those two lines are the whole setup. During the month, fill one circle on an envelope each time you spend from it, and add each withdrawal as a row on the page 2 log: date, envelope, out, left. A full envelope of circles and an empty log row tell you the same thing at a glance. Reprint both pages each month.

Matchbook Labs · printable · page 1 of 2

Envelope boxes

Month:

No category or amount is filled in for you. This sheet estimates nothing and prints no starter categories.

Category

Monthly amount

Spent tally

Category

Monthly amount

Spent tally

Category

Monthly amount

Spent tally

Category

Monthly amount

Spent tally

Category

Monthly amount

Spent tally

Category

Monthly amount

Spent tally

One envelope per spending place. The tally circles fill in pen: one per spend, and once the four are gone, the envelope holds nothing left to spend until next month. Need more envelope room this month? Reprint and split a category into two envelopes.

Matchbook Labs · printable · page 2 of 2

Envelope log

Every withdrawal from every envelope, one row each, in the order it happened.

#DateEnvelopeOutLeft
1
2
3
4
5
6
7
8
9
10

Copy the envelope name exactly as you wrote it on page 1, so the two pages read as one ledger. "Out" is what left the envelope; "Left" is what the envelope holds after that withdrawal. When a row will not fit the remaining circles on its envelope, the sheet is telling you the month ran long, not the pen.

This sheet records where cash goes and what each envelope holds. It holds no advice on how much to put in any envelope, no spending rules, and no opinion dressed as a number; the amounts on every line are yours to choose.

Fits A4 and US Letter at 100%. Grayscale prints fine.

Four opinions on running a paper envelope month

  1. (Opinion.) Round every monthly amount to a whole number. Envelopes get counted by hand and split mid-month, and 43.70 is a number nobody counts twice. A whole number is faster to write, faster to count, and the rounding difference is smaller than the error a fiddly figure invites. Pick the figures you will actually keep up with.
  2. (Opinion.) Fill the log row the same day cash leaves the envelope. A withdrawal remembered at night loses its date, and a lost date breaks the left column: the last "left" figure only means something if every row before it landed on paper the day it happened. Ten minutes late is fine; a week late is a different ledger.
  3. (Opinion.) Set up the month's envelopes the day your cash arrives. An envelope written after the first spend starts short, and the shortfall reads as overspending when it is really setup lag. Write the categories and amounts before the month's first purchase, and the circles measure the month instead of the delay.
  4. (Opinion.) Reprint rather than squeeze a thirteenth log row. A squeezed row breaks the column arithmetic that makes the log readable at a glance, and the fix costs one sheet. Keep the printed stack where the envelopes live, so the reprint happens before the squeeze, not after.

What this page is

A write-in record sheet for a cash-envelope month: six blank envelope boxes, a tally of four circles per envelope, and a 10-row log of what left each one. It organizes spending records on paper; it does not tell anyone how much to place in an envelope, which categories to pick, or whether cash fits a household better than a card. Nothing on this page is financial advice. What the sheets do is keep the whole month's envelope activity in one visible place, so the next withdrawal is one you write down on purpose.

Where the spreadsheet fits

Paper answers what left each envelope this month. The Personal Budget Tracker workbook answers the next one: what each month held across every category, what a category holds against its monthly amount, and what a savings goal still needs. Its Transactions sheet logs date, description, category, income, expense and method, and the Categories sheet sets a budget per category for the month. Verbatim from the product README:

A one-workbook personal budgeting system for Excel and Google Sheets: log daily income and expenses with dropdowns, read the month-by-month picture on a dashboard that computes itself, hold each category to a monthly budget, and watch three savings goals fill up.

What's inside

FileWhat it does
budget.xlsxThe workbook. 4 sheets: Dashboard (monthly income/expenses/net/savings rate via SUMIFS, YTD totals, savings goal progress bars), Transactions (date/description/category/income/expense/method log with dropdowns, 100 pre-wired rows), Categories (monthly budget vs actual per category with variance and status), Savings Goals (3 goals: target vs saved, % complete, remaining)
instructions.md5-minute setup, every formula explained in plain language, locale fallback, troubleshooting
README.mdThis file

Personal and commercial use allowed - track your own money, use it with clients, as many copies as you like. No resale or redistribution of the pack itself, as-is or with minor edits.

Quoted verbatim from the Personal Budget Tracker Spreadsheet product README.

Get the Personal Budget Tracker Spreadsheet - Excel + Google Sheets →

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