100+ Budget Categories To Create A Successful Budget

“What should I include in my budget?”

A lot of us want to create a budget but don’t know how or where to start. Budgeting is the first step to financial freedom. No matter if you make $1,000 a month or $100,000, you need a budget to help you stay on the right track. It’s easy to overspend and go into debt, luckily it’s also easy to set up a budget and stick to it. What’s hard is living paycheck-to-paycheck with growing debt.

A budget is also much more than just housing, food, and transportation. It’s important to consider every cent you make and spend. A lot of people make the mistake of leaving out categories when setting up their budget and then not having enough money at the end of the month.

This list is designed to help you brainstorm and come up with your own categories for setting up a budget.

I’ve tried hard to cover every possible expense, so you don’t miss a thing.

Related Post: How To Create A Budget When You Suck With Money

100+ Budget Categories


  • Salary (paycheck)
  • Side hustle
  • Bonuses
  • Reimbursed job expenses
  • Tips
  • Alimony (received)
  • Child support (received)
  • Gifts (received)


  • Mortgage
  • Rent
  • Home Owners Association (HOA) fees
  • Home maintenance/repairs
  • Home improvements/upgrades
  • Property taxes
  • Home warranty
  • Lawn care
  • Home security service


  • Electricity
  • Internet
  • Cable
  • Phone
  • Heating
  • Garbage
  • Recycling
  • Water
  • Sewer
  • Natural gas


  • Groceries
  • Restaurants
  • Fast food
  • Coffee shops
  • Alcohol


  • Car payment
  • Fuel/gas
  • Car maintenance/repairs
  • Annual car fees (registration, inspection)
  • Oil changes
  • Parking permits/fees
  • Property taxes
  • Public transportation (subway, taxis, Uber/Lyft)
  • Tolls (EZ Pass)
  • Roadside assistance (AAA)


  • Adult clothing
  • Work Uniforms
  • Kids clothing
  • Dry cleaning


  • Extra-curricular activities
  • Toys
  • Kids sports gear
  • Allowance
  • Baby necessities (diapers, formula)
  • Tuition
  • School uniforms
  • School supplies
  • Babysitter
  • Child support

Personal care

  • Haircuts/barber
  • Hair coloring
  • Cosmetics (makeup, shower supplies)
  • Nail salon
  • Eyebrows
  • Massages/Spa


  • Doctor visits
  • Dentist visits
  • Hospital visits
  • Prescriptions
  • Over the counter medication
  • Glasses, contacts, contact solution
  • Vitamins/Supplements


  • Medical insurance
  • Dental insurance
  • Vision insurance
  • Mortgage insurance
  • Renters insurance
  • Car insurance
  • Life insurance
  • Property insurance (i.e. jewelry)
  • Disability insurance
  • Long-term care insurance
  • Pet insurance

Household supplies

  • Cleaning supplies
  • Paper products
  • Tools
  • Furniture
  • Home décor
  • Pool supplies


  • Gym memberships
  • Magazines
  • Professional Society annual fees
  • Netflix/Hulu
  • Amazon Prime
  • Music (Spotify, Pandora)
  • Sports TV subscription (like ESPN)
  • Software subscriptions
  • Identity theft protection


  • Bars/Going out
  • Movies/Concerts/Sporting Events
  • Hobbies/Crafts
  • Hosting parties
  • Books
  • New technology (phones, computer, TV)


  • Veterinarian visits
  • Pet food
  • Pet toys/beds
  • Pet medication (i.e. flea shots, heart worm medication)


  • Charity/donations


  • Holiday gifts
  • Birthday gifts
  • Wedding/wedding shower gifts
  • Baby/baby shower gifts
  • Service gifts (secretary, lobby man)


  • Credit card debt
  • Student loans
  • Medical debt
  • Personal loans
  • Auto loan payments
  • Alimony


  • Vacation
  • Trips to see family
  • Trips for weddings, bachelor/bachelorette parties
  • Souvenirs
  • Baggage fees
  • TSA Pre-check or Global Entry


  • College savings
  • Retirement savings
  • New car savings
  • Health Savings Account/Plan
  • Emergency Fund
  • Investments


  • Financial advisor
  • Lawyer
  • Tax professional


  • ATM fees
  • ID renewal fees
  • Postage
  • Holiday spending
  • Family pictures



Do I Need All These Categories?


No, of course not! Go through this list (or print it out) and check the ones you need. Then, with a planner or spreadsheet, create a budget with allotted amounts for each. I personally love using the Google Sheets Monthly Budget Template. What’s great about this, is you can download the app and put in expenses as they occur so you’ll never be surprised by a bank statement again.


How Much Money Do I Need To Put In Each Category?


That’s completely different from person to person. I recommend the 50-20-30 rule if you’re getting started. It’s what I aim for most months. There’s always many different ways of doing things, so play around with it and see what works for you.




Stop struggling to start a budget!! Check out this list of over 100 budget categories! These budget categories will help you create a successful budget tailored towards your lifestyle and needs. #budget #budgetcategories #howtobudget