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YNAB Template

Recently Graduated

Fresh out of college and ready to tackle your finances? This template comes from a recent college graduate in Nashville living with two roommates. As a musician with variable income and subsidized health insurance, they're currently focused on saving a six-month buffer. The total cost to be this YNABer is roughly $3,000/month. Use this template as a guide to customize your own categories and amounts.

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Notes

Import this template into your YNAB budget. Choose where to add it (new or existing budget). Make it your own by renaming categories and setting amounts. Enjoy that sense of calm and possibility wash over you. New to YNAB? Start your free trial using the link below, and you'll be prompted to add the template during onboarding.

Template Features

  • Won't overwrite current data
  • Add to a new or existing budget
  • Select from list of categories during import

Preview

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Import into YNAB (Web Only)

Bring this template into your plan in the YNAB web app.

Hey there! Check out this spending template from YNAB: Recently Graduated 23 categories · 4 groups ReadMe! 📋 About This Template Monthly Expenses 🏠 Rent/Utilities: $1,100.00 🛒 Groceries/Personal: $300.00 🚗 Transportation: $200.00 🍽️ Dining Out: $125.00 💪 Health/Fitness: $150.00 🩺 Health Insurance: $15.00 💇‍♂️ Personal Care: $80.00 🚙 Car Insurance: $75.00 📱 Phone Bill: $50.00 Non-Monthly Expenses 💳 Credit Card Annual Fee: $95.00 🎬 Entertainment: $20.00 🔧 Car Maintenance: $300.00 🎵 Music Business Expenses: $100.00 🧹 Household Items: $50.00 ❤️ Dates: $50.00 🎁 Gifts: $20.00 🎸 Music Gear: $100.00 ✈️ Travel: $100.00 💰 Taxes: $120.00 Savings 🛡️ Six-Month Buffer: $15,000.00 🌍 Europe 2026 📈 Investments Total: $18,050.00 YNAB: Never worry about money again · ynab.com/templates/recently-graduated

Recently Graduated

23 categories

www.ynab.com/templates/recently-graduated
  • ReadMe!

    • 📋 About This Template
  • Monthly Expenses

    • 🏠 Rent/Utilities
      $1,100.00
    • 🛒 Groceries/Personal
      $300.00
    • 🚗 Transportation
      $200.00
    • 🍽️ Dining Out
      $125.00
    • 💪 Health/Fitness
      $150.00
    • 🩺 Health Insurance
      $15.00
    • 💇‍♂️ Personal Care
      $80.00
    • 🚙 Car Insurance
      $75.00
    • 📱 Phone Bill
      $50.00
  • Non-Monthly Expenses

    • 💳 Credit Card Annual Fee
      $95.00
    • 🎬 Entertainment
      $20.00
    • 🔧 Car Maintenance
      $300.00
    • 🎵 Music Business Expenses
      $100.00
    • 🧹 Household Items
      $50.00
    • ❤️ Dates
      $50.00
    • 🎁 Gifts
      $20.00
    • 🎸 Music Gear
      $100.00
    • ✈️ Travel
      $100.00
    • 💰 Taxes
      $120.00
  • Savings

    • 🛡️ Six-Month Buffer
      $15,000.00
    • 🌍 Europe 2026
    • 📈 Investments
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