The Ultimate List of 75+ Budget Categories

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A budget is telling your money where to go instead of wondering where it went.  One of the biggest issues with most budgets is that they are not realistic because they are missing certain categories.  When these budget categories are missing, it is easy to forget about those expenses.  In order to make sure your budget doesn’t miss an important category, I created this ultimate list that includes over 75+ budget categories!  Yes, you read that right, over 75 budget categories!

Use this as a guide while you create your own budget or update your budget.  Of course, no two households are alike and, therefore, no two budgets are alike.  In addition, every month is different.  For example, during August you may have additional back to school expenses for yourself or someone else in your household.  During October you may have additional expenses related to Halloween.

Overall some of the budget categories may not apply to you; however, I hope it jogs your memory to expenses that you have forgotten to include in your budget.

If you have never created a budget before, these posts will give you a jump start:

The Ultimate List of 75+ Budget Categories


Housing is one of those budgeting categories that is pretty standard.  It is considered a fixed expense.  Although you may be able to cut down your overall housing expense by getting a roommate or renting out a room in your house, the cost will still be there.

  • Rent/Mortgage Payments
  • Property Taxes
  • Household Repairs
  • Homeowner Associate Dues
  • Lawncare


Honestly, the food category is one that can definitely get out of hand if you aren’t careful but it is also one of the budget categories that you have the most control over.

  • Groceries
  • Fast Food
  • Restaurants

Related: 9 Simple Ways to Save Money While Eating Out


  • Alarm System
  • Telephone Bill (House and/or Cell Phone)
  • Internet
  • Cable
  • Electricity
  • Heat and/or Gas
  • Trash Removal
  • Water
  • Sewage


  • Car payment
  • Gas
  • Toll Road Fees
  • Tires
  • Oil Changes
  • Other Routine Car Maintenance
  • Parking Fees
  • Car Registration Fees


  • Life Insurance
  • Medical Insurance
  • Homeowners Insurance/Renters Insurance
  • Car Insurance
  • Emergency Roadside Assistance
  • Long-term/Short-term Disability Insurance


  • Medical Insurance
  • Dental Insurance
  • Optical Insurance
  • Prescription Drugs/Copays
  • Medical Devices
  • Specialty Medical Care (orthodontics, etc…)

Household Supplies

  • Toiletries
  • Cleaning Supplies
  • Tools
  • Kitchen Cookware
  • Other Household Supplies (laundry detergent, paper towels, etc…)

Personal Care

  • Hair Care Supplies (Shampoo, Conditioner, etc…)
  • Salon/Barbershop
  • Gym memberships
  • Personal Training
  • Cosmetics
  • Waxing
  • Nail care (pedicure/manicure)
  • Eyebrow Care
  • Other Spa Services (facial, massage, etc…)


  • Tithing
  • Offering
  • Charitable giving
  • Birthday
  • Anniversary
  • Wedding
  • Christmas
  • Other Special Occasions

Related: 3 Ways to Save Money as a Wedding Guest


  • School Supplies
  • Tuition (for yourself or children)
  • Required School Fees
  • Parking Pass
  • Certification Fees
  • Childcare

Debt Reduction

  • Student Loan Payments
  • Credit Card Payments
  • Personal Loan Payments
  • Home Equity Line of Credit Payments

Related: 8 Strategies to Pay Off Debt Fast

The Ultimate List of 75+ Budget Categories-2

Entertainment & Fun

  • Vacations
  • Sporting Events
  • Concerts
  • Monthly subscriptions (Hulu, Netflix, etc…)
  • New electronics

Related: 25+ Free Activities to Enjoy This Summer


It is important that saving is included in your budget categories.  Saving is one of the most important things if you want to attain financial freedom and get out of living paycheck to paycheck.  Even though it is one of the last sections of the list, strive to make saving one of the most important things in your budget.

Related: 4 Best Apps to Automate Saving


You may enjoy these other posts about budgets:


Are there any budget categories that are missing from this all-inclusive list?


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One comment

  1. Love the list! I have about 20 or so major categories I use as my primary categories and then notes that help me decipher certain spend. For example, I have a generic “House” category and in the notes I will identify what it was related to (i.e. landscaping, furniture, etc.).

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