10 Easy Bullet Journal Savings Tracker Ideas (That Anyone Can Do)


Here’s how to use a bullet journal savings tracker to crush your savings goals!

Author: Kari Lorz, Certified Financial Education Instructor

Author: Kari Lorz – Certified Financial Education Instructor

The Bullet journal is so versatile; you can use it for almost anything that your brain can think up.

It will help you organize all those mumble-jumbled thoughts into a highly productive planner, guide, and central hub for your life, all in one cute little notebook.

It’s time that we put this method into action by highlighting and showcasing the exact ways you make your own bullet journal savings tracker and start saving more today!

10 easy bullet journal savings trackers

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10 BuJo Savings Tracker layouts that you need today

I tried to pick layouts and images that are easy to recreate. I know the super cute florals, swirls, and designs look great, and we all want our bullet journal look great. But, I honestly struggle with drawing a simple stick figure. I really do.

Since the point is to inspire you to make your own, I wanted it to be friendly to all drawing abilities. If you’re a rock star with markers, then cool, add all the cute swirls you want!

Don’t forget that if you’re looking for bullet journal supplies, check out this post on why a finance BuJo is a necessity! I go over some great products that will take your dotted journal to the next level!

1. The Classic Savings Jar

I am a big fan of classics, and a savings jar layout is the best place to start if you are new to using the bullet journal! It’s hard to mess up a basic jar, and you just color in your savings along the dot lines! Easy peasy lemon squeezy!

2. Simple BuJo savings tracker

If drawing out a savings jar kind of makes you nervous, then never fear; anyone can do the simple layout of this savings tracker! Just block out square and BAM! You can either do the same amount in each square, or as this one shows, you collect random amounts, and once you have it, you color it in! Just be sure to add up your amounts a few times before finalizing it in pen (personal experience speaking here)!

3. Make Saving Money a Game

I love the creativity of this one, such a good idea! Here they’ve used a Monopoly game as their bullet journal savings tracker. Each week you roll the dice, move your marker, and the amount you land on is the amount you’re supposed to save!

4. Monthly Money Saving Challenge

I love how specific this bullet journal savings tracker is! The creator wanted to save money by bringing her lunch to work every day instead of going out to eat! Which is such a great way to save money! According to Visa, their survey “shows that American consumers are spending nearly $2,746 on midday meals each year.

Hmmm… I could do a lot with that kind of money, couldn’t you?

5. Holiday BuJo savings tracker

Saving money for the holiday season can be one of the best things you can do for your finances, as the holiday debt hangover is real! According to MagnifyMoney, “31% of Americans took on holiday debt, at $1,381 on average. Ugh, that’s a hefty bill come January. Instead, use this super cute Christmas tree savings tracker!

6. Show you artistic side

Sometimes, all we need is something beautiful! I love the detail this artist used in her mushrooms, so pretty. This proves the saving money isn’t just boring spreadsheets, it can be inspiring too! No matter what you’re saving for, this style of bujo tracker could work perfectly.

7. Full year bullet journal savings racker

I like this one as it shows her progress over the entire year, as watching your numbers grow and grow is encouraging! This is an excellent example of using sinking funds and separate bank accounts (or cash envelopes) to save money. It looks like she’s saving money for…

  • investing
  • super
  • holiday
  • general

8. Saving up for something specific

Okay, so I’m slightly cheating here; the original creator has intended this to be a mood tracker. But it lends itself perfectly (as most mood trackers do) to be a perfect bujo savings tracker!

Each yarn ball has a numbered section, and then each wood slate on the basket could be a section. Add those sections all up and divide that by the total you need. That’s how much each section is worth. BAM!  

So if your hobby was knitting, and you wanted to buy more supplies (that you need to save for), then this fits perfectly. You can use an image of any hobby item – a new iPhone, a paddleboard, a new pair of XYZ!

9. Big Ticket Savings Tracker

You could use this idea for anything big that you wanted to save for, just get a visual representation of it and transfer it into your bullet journal layout. Here, this user is saving for a wedding! Or you could do one of these for a vacation, a new home, anything basically!

10. Bullet journal goals page

I am a huge fan of setting goals, so why not do a financial goals page in your BuJo? I love this one as it lays out SMART goals, and when you mix that with your personal finances, that a winning combo!

Can using a bullet journal savings tracker help me save money?

Yup, it sure can! Now, don’t get me wrong, you won’t save anything just by using an item. But what the BuJo will do is help you keep “saving money” up in the front of your brain, as you most likely use your BuJo every day!  

When something is in front of you every day, it’s hard to ignore it, so you will constantly be reminded of your savings goals! And let’s face it, everyone needs some help staying motivated while saving money, so this is a huge win!

Plus, when using a BuJo savings tracker, you get to color it in, and let me tell you, coloring in each and every line is so satisfying!  I recently did a no-spend month and used printables on my fridge. One was coloring a piggy bank, and honestly, coloring in my savings was the highlight of my week! My 8 yr old little girl loved to color it in too.

saving money free templates

Easy ways to save money

Now that you have your savings tracker all plotted out in your dotted journal, you need to start actually tracking your savings. But I know that’s the hard part, doing the actual savings. So let’s go over some easy ways for you to cut back expenses and save.

  • When you make your dinners, always try and double it so you can have your lunch all ready for the next day. It only takes minutes more for some extra chopping or slicing.
  • Use your local library and the Libby app to get free audiobooks and eBooks. Just download the app, put in your library card number and you’re all set! It’s by far one of my most used apps!
  • Do a money saving challenge! They’re lots of fun, and you figure out all sorts of ways to save. I did a no-spend challenge for a month and saved $540!
  • I tend to be a little Amazon click-happy. So I did a trial run of only letting myself hit the buy button on the 1st and the 15th of the month. During the month, I would add stuff to my cart but just hold it. When order day came around, I found that I could go through and easily delete 30% of what was in my cart. Easy savings!
  • Have a treat day! If you like to run to the coffee shop every day, consider making it just a special event. Say, on Wednesday, you can grab a coffee; that’s your day. You can bet you’ll save a ton and look forward to it so much more! That’s easily $30 in savings!

When saving money is your goal, it can be useful to also have a spending tracker. This way, you can see exactly where your money is going and spot any potential trends that you may need to get a handle on.

Other bullet journal ideas for finance spreads

Before we dive into the savings trackers, let’s look at a few other bullet journal ideas for personal finance. There are so many different ways you can use a BuJo for your money; let’s go over some of the best bullet journal ideas for personal finance.

  • Monthly budget tracker
  • Expense tracker/ spending log
  • Savings tracker- use these to get some ideas
  • Financial Goal spread & bullet journal inspiration page
  • Bullet journal debt tracker
  • Monthly bill tracker/monthly expenses
  • Habit Tracker – spending habits (making own coffee, not eating out, etc)
  • Savings challenge spread
  • Emergency fund log
  • Income tracker

Let’s dig into the best bullet journal savings tracker layouts, and you can start yours today!

What if using a bullet journal just isn’t for me?

I hear you; sometimes, the pressure to think up a creative & cute bullet journal spread takes all the fun out of it, and it just becomes a chore. That’s exactly what we don’t want. You can always use a savings tracker printable instead! This way, all you need to do is fill it in, easy peasy lemon squeezy!

Or you can check out a budget planner; these all have a few pages dedicated to saving money, and they’re already preformatted, so all you have to do is fill in the numbers.

If you’re looking for free printable savings trackers, then I’ve got you covered! Just go here, fill out your email, and I’ll send them right over to you! You can literally start filling it in within 5 minutes.

If you need help making your BuJo cute

Okay, first off, let me say that I hear you! I couldn’t draw a stick figure if you paid me! I am a horrible artist, which is sad because my father is an art teacher. Oh well.

There are some great options for you, no talent required!

Check out these cool printable bujo finance spreads – lots of savings trackers in here, all formatted to the right dotted journal size. All you do is buy, download, print, cut, and tape/glue them into your own bullet journal.

Or maybe you like the idea of using stencils. There are lots of bullet journal-sized stencils; here is a good option with layout options. There are other stencil options too – flowers, animals, etc.

At the end of the day

Using a bullet journal savings tracker is a great way to keep your savings goals up and in front of your consciousness. It keeps saving money fun and something you look forward to, which can be tricky during the long haul. So anything that makes it easier and more fun is a money must-do!

saving money free templates

Are you going to add a savings tracker to your BuJo?

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    1. Yes, consistency is the key to seeing success, but it happens to be one of the hardest pieces that we all struggle with. Just keep going!

  1. I recently started bullet journaling and I am getting the hang of it. I love keeping planner and trackers for everything. Helps me stay organized.

  2. This is really helpful! I’m really excited to put this to some use. We are looking to buying a house so we need to track our savings rate, thanks so much for sharing!

  3. These are great bullet journal ideas to track savings. You’re right about making it fun and interesting. Thanks for the tips!

    1. I guess it’s just like Mary Poppins with cleaning up the nursery, make it fun and then it’s something they want to do! 🙂

  4. I absolutely love bullet journaling. Although, I have more of a minimalist style. Still, I can appreciate the artistic talent that is required for some of these layouts.

    However, this article is giving me great ideas for different habit trackers!

    Thank you!

    1. I too like a minimalist style, but I can appreciate the talent and artistry that people put into their BuJo! Yes, the savings trackers can easily be adapted to a habit tracker! So many options and ways to go with it.

  5. I am so into journaling. And I write my expenditures every day in my journal. Your post gave me so many ideas to up my saving game. Thanks for sharing ?

  6. Currently I am been trying to learn and track my savings so much better. It’s a good idea to have a journal and track my savings and see all of my progress. Thank you for the wonderful insight.

    1. Tracking is such a great was to help you stay motivated while saving money, you can literally see your savings grow! You’re going to do great with it!