How To Start A Grocery Budget | Grocery Budget Calculator (2024)

Let me preface this by saying that taking Jordan Page’s advice about how to start a grocery budget several years ago, was life changing for my family. Before, I always tried to budget for groceries but I didn’t have a clear idea of how much I should be spending or what I should be including.

Basically, budgeting in general, is not my strong suit. (But that’s a whole notha story.)Now lets get to what you came here for..

*Please note, some of these links are affiliate links. That means, if you use my link to purchase, I'll earn a little cash. That cash helps support my business and keeps me truckin' along, sharing all the goodness with you! 🙌 It also just might make you a rockstar, in my opinion!*

Contents hide

1 What is a good budget for groceries?

2 So how do I calculate a grocery budget?

3 How can I spend $100 a week on groceries?

4 So how much should I spend on food in a week?

6 How do I stick to a grocery budget?

7 Need a printable for how to create a grocery budget?

8 Need more grocery shopping or meal planning help?

What is a good budget for groceries?

Not what the USDA’s “Low Cost” food plan says..

I once googled “grocery budget calculator” to establish a baseline for figuring out how to start a grocery budget for my family. I stumbled across the United States Department of Agriculture’s (USDA) Low-Cost Food Plan calculator.

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It’s free. I thought it sounded great. It would certainly give me a starting point for finding the solution to my “what is a good grocery budget” question. Or so I thought, anyway.

That was until I actually answered the questions and it told me that my family of six should be hunky dory with spending over a THOUSAND dollars on food every month.

A thousand.

Dollars!

One thousand, eighty dollars and fifty-four cents to be more precise. $249.37 per week on groceries alone. Uh.. What?

There is no way my family could ever manage that food budget on one income, probably not on two incomes, either. That’s just impossible for my frugal brain to accept. I knew there had to be a better way, a better answer to my question.

So how do I calculate a grocery budget?

Want the simplest grocery budget calculator, ever? $100/person/month.

That’s it. Simple. Start by taking the number of people in your family multiplied by $100 and BAM you have your groceries on a budget for the entire month!

Every time I share my thoughts about how to start a grocery budget and how I continue to stick to my grocery budget, I receive a ton of mixed feedback. Some assume I have completely lost my marbles, while others reply something like, “wow, I wish I could do that!”

But, the truth is, with a little creativity, you can start a grocery budget that you can actually stick to as well! Or at least make one heck of an attempt and still save yo dolla dolla bills, y’all! It’s really not that difficult to start a grocery budget.

Mind blowing fact: my budget for groceries includes all consumables. More on that in another post.

Related: How to Stick to a Grocery Budget.

How can I spend $100 a week on groceries?

Reduce your family size to 4 members. *insert evil laugh*

Kidding. I’m just kidding. Don’t go selling your kids or spouse on Etsy.

For a large family to spend 100 dollars per week or less on groceries long term, they’re going to need some serious dedication.

For the average family, that sort of dedication to hunting sales, clipping coupons, or making significant sacrifices just isn’t feasible. It certainly isn’t sustainable for my family of six.

That’s why I follow Mama J’s grocery bill calculator lead, and recommend 100 dollars per person per month, divided into four weeks.

It’s more feasible for the average family. It’s a workable budget for the long haul, which isn’t that the point anyway?

So how much should I spend on food in a week?

Once I learned how to create a grocery budget for my family, I began grocery shopping once per week. So, it only makes sense to divide my budget for groceries into weeks, as well.

I totally recommend shopping once per week, if possible. Deals are fresh each week, produce is fresh each week, so many good things about shopping weekly.

Plus, if you happen to run out of something, you can easily replenish it the next week instead of making a separate trip to the store which I DON’T recommend. *more on that in a minute*

Related: How to Meal Plan on a Budget!

How To Start A Grocery Budget | Grocery Budget Calculator (2)

For my family, it works best because this mama doesn’t like to plan so many meals at a time. I may preach about the importance of a meal plan, but that doesn’t mean I enjoy doing it! So, I do a little (one week) at a time. Helps so much!

Productivity tip: it’s much easier to manage little bits at a time versus a whole month or even two weeks. Apply this theory when budgeting for meals, vacations, or when creating a cleaning routine, basically, just apply this theory to your whole stinkin’ life, ok?

Related: How to Get More out of Your Day!

How can I spend $25 a week on groceries?

I’m so glad you asked. You may think I’m starting to sound delusional, but it is possible, trust me.. The surviving on $25 per week thing, not me being delusional. Sheesh.

I try to do this at least a couple times a year to keep my kitchen and pantry stocked with usable items and clear out dated inventory. It also helps to reset my brain if I’ve been struggling to maintain my budget, like during the busy months, for example.

But I’ll stop rambling and let you read that post, ok? What is Shelf Cooking?

How To Start A Grocery Budget | Grocery Budget Calculator (3)

In a nutshell, when grocery budgeting, I aim to spend $150 or less each week on consumables. Most weeks, I actually spend closer to $125 because that budget for groceries is still engrained in my brain.

I promise it is doable. It may take some practice. But, if you really challenge yourself, I have faith that you can start a grocery budget that you can stick to, too!

How do I stick to a grocery budget?

Congrats, you made it to the end! But, what now? Now that you know how to start a grocery budget that will be sustainable for your family, it’s time to learn how to stick to it.

If you use the easy grocery bill calculator of $100 per person per month, your grocery budget will be easy to remember, so you’re already halfway there. But, I do have more tips for meal planning, budgeting for groceries, and sticking to a tight grocery budget, long term. You can check those out here:

  • How To Go Grocery Shopping Online and Save Money
  • 3 Tips for How To Stick To a Grocery Budget
  • 10 Cheap and Easy Ways To Stretch a Meal
  • How To Save Money on Groceries Without Coupons
  • How To Meal Plan on a Budget – The Beginner’s Guide
  • 11+ Frugal Ideas for School Lunches Kids Will Actually Eat

I hope this grocery budget calculator was helpful for you to not only start a grocery budget, but stick to one, too. Do you have a super awesome money saving hack when it comes to all things groceries? I’d love to hear about it in the comments down below!

Until next time,
Stay Courageous

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Need a printable for how to create a grocery budget?

I created a printable for you, so you can remember what you’re supposed to be budgeting for meals without coming back to this post. Click here to download and print that!

Need more grocery shopping or meal planning help?

I have just the thing for you! I threwallmy meal planning tips and tricks into a course!Click hereto learn more about it!

How To Start A Grocery Budget | Grocery Budget Calculator (5)
How To Start A Grocery Budget | Grocery Budget Calculator (6)
How To Start A Grocery Budget | Grocery Budget Calculator (7)
How To Start A Grocery Budget | Grocery Budget Calculator (2024)

FAQs

How to calculate your grocery budget? ›

The 50/30/20 budget can help you work out how much to spend on groceries based on your specific income and expenses. Following this framework, you spend about 50% of your monthly after-tax income on needs, 30% on wants and 20% on savings and debt repayment.

What is a reasonable amount to budget for groceries? ›

According to the USDA guidelines, you might spend $979 a month on a thrifty plan, $1,028 on a low-cost plan, $1,252 on a moderate-cost plan and $1,604 on a liberal plan.

How do I make a grocery budget list? ›

Keep grocery store receipts to get a realistic picture of your current spending habits. It might help to break down spending by category (via a spreadsheet or on paper), including beverages, produce, etc. Once you've done this, you can get an idea of where you need to trim down your grocery bill.

How much for groceries for 2 people per month? ›

Average grocery cost per month for 2 people in a household

The average grocery costs for a two-person household across the Thrifty to Liberal plans range from $476.92 to $868.66: Male and female living together: $514.09 to $819.26. Two adult females: $476.92 to $769.86. Two adult males: $551.26 to $868.66.

What is the formula for food cost budget? ›

Total food cost percentage = (total cost of goods sold / total revenue) x 100. Before you can use this formula, you need to gather some information about your restaurant. Start by taking an inventory count with the costs for each item. Doing this on a regular basis can help you maintain consistent inventory reports.

What is the 50 30 20 rule? ›

The 50/30/20 budget rule states that you should spend up to 50% of your after-tax income on needs and obligations that you must have or must do. The remaining half should be split between savings and debt repayment (20%) and everything else that you might want (30%).

What is a realistic grocery budget for a family of 5? ›

On average, a family of five spends anywhere from $922 to $1,488 a month on groceries, according to USDA monthly food plans. If you're looking to curb your spending, consider meal planning, buying in bulk, and shopping at more affordable grocery stores.

What is the average monthly cost of groceries for one person? ›

The average adult spends between $212 and $405 per month on groceries. This range encompasses all financial brackets and is indicative of a realistic monthly grocery budget. A single adult male spends between $264 on a thrifty plan and $405 on a more liberal plan.

How much does a single person spend on eating out per month? ›

However, a rough estimate would be between $150 to $300 per month. This estimate includes meals at casual dining restaurants, fast food chains, and occasional visits to higher-end establishments. Keep in mind that this is an average and individual spending habits may differ.

How to budget for beginners? ›

Follow the steps below as you set up your own, personalized budget:
  1. Make a list of your values. Write down what matters to you and then put your values in order.
  2. Set your goals.
  3. Determine your income. ...
  4. Determine your expenses. ...
  5. Create your budget. ...
  6. Pay yourself first! ...
  7. Be careful with credit cards. ...
  8. Check back periodically.

How to do groceries on a tight budget? ›

10 Easy Ways to Grocery Shop on a Budget
  1. Revisit Your Grocery Budget. ...
  2. Meal Plan. ...
  3. Make a Grocery List. ...
  4. Take Cash Out for Groceries. ...
  5. Try Aldi (or Other Discount Grocery Stores) ...
  6. Learn the Clean Fifteen and Dirty Dozen. ...
  7. Shop Generic. ...
  8. Buy in Bulk (Sometimes)
May 31, 2023

What is a realistic food budget for one person? ›

Feeding Yourself According To The USDA
Thrifty$241.40 – $309.90
Low-Cost$249.60 – $296.60
Moderate Cost$306.90 – $371.70
Liberal$400.80 – $451.80
Nov 27, 2023

What is the average grocery bill in the US? ›

The average household grocery cost per month is $475—which totals to $5,703 a year. And that number is likely to increase as overall food prices continue to go up. In fact, Americans spent 1.3% more on food at home (aka groceries) in December 2023 than they did in December 2022.

What state spends the most on groceries? ›

1. California

In California, the average weekly grocery spending is $297.72.

How do you calculate your budget? ›

Try the 50/30/20 rule as a simple budgeting framework. Allow up to 50% of your income for needs, including debt minimums. Leave 30% of your income for wants. Commit 20% of your income to savings and debt repayment beyond minimums.

Is there an app to scan groceries to keep track of total cost? ›

The Perfect Grocery Shopping App: Total Plus makes your life easier when shopping and helps you stay on budget. It calculates your total shopping list based on discounts and the sales tax rate you specify. See exactly how much you will pay at the register. Calculate items by quantity or by weight (Pounds or Kilograms).

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