Lunch Money starter template
Needs, Wants, Savings budget categories
One of the starter sets Lunch Money offers during onboarding. Spending sits in three groups, Needs, Wants, and Savings & Debt, so you can see at a glance how your money splits across them. The same three buckets power the 50/30/20 rule, and you can set whatever split suits you.
- 3 groups
- 2 categories
- 15 subcategories
- Simple (under 40)
All 20 categories in Needs, Wants, Savings
Needs
- Housing
- Utilities
- Groceries
- Transportation
- Insurance
- Healthcare
Wants
- Entertainment
- Dining Out
- Shopping
- Hobbies
- Subscriptions
Savings & Debt
- Emergency Fund
- Retirement
- Debt Payments
- Investments
Income categories
- Income Income
Transfers and excluded categories
- Payment, Transfer Excluded from budget Excluded from totals
How to use this template in Lunch Money
Click Copy entire setup at the top of this page, then paste it into Lunch Money as a preset. See the import steps.
Want only part of it? Mix and match categories in the library to build your own template.
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