21 Free Templates
Free Personal Budgeting Templates for Excel & Google Sheets
Monthly, weekly, and annual budget templates for individuals and households.
About These Personal Budgeting Templates
Monthly, weekly, and annual budget templates for individuals and households. Each template includes a dashboard with key metrics, formula-driven calculations, and realistic sample data. Download any template instantly - they work in Microsoft Excel, Google Sheets, and LibreOffice Calc with no setup required.
All Personal Budgeting Templates
Monthly Budget
What you planned sits beside what happened, with a difference on every line, so a month that came out level still shows what ran over. The Free Monthly Budget spreadsheet template takes money in as positive and money out as negative, which makes the foot of the sheet what is left, and treats saving as an outgoing line of its own. Sixteen category rows, plus a How to Use tab. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
50/30/20 Budget
Needs, wants and savings each open on a target row of their own, and every line under them sets what you planned against what actually went out - the difference reading positive wherever you came in under. The Free 50/30/20 Budget spreadsheet template holds sixteen lines on one sheet, with an At a Glance strip carrying the two totals and the gap, a currency dropdown that relabels every money column at once, and coloured cells marking where your numbers go. Google Sheets or Excel. No macros, no VBA, no sign-up.
60/20/20 Budget
A monthly income figure at the top works out the three targets - 60% to needs, 20% to wants, 20% to savings and debt - and the eighteen lines beneath set what you planned against what you spent, with the difference worked out on each. The Free 60/20/20 Budget spreadsheet template runs on one sheet, keeps a How to Use guide on a second, and asks for nothing but the numbers. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
70/20/10 Budget
Living at seventy percent, savings at twenty, debt and giving at ten - the split the method actually describes, with discretionary spending sitting inside the living allowance where this method puts it. A monthly income figure at the top works the three targets out, and the nineteen lines below set what you planned beside what you spent. The Free 70/20/10 Budget spreadsheet template runs on one sheet with a How to Use guide on a second. Google Sheets or Excel. No macros, no VBA, no sign-up.
80/20 Budget
Two targets rather than three, so nothing has to be classified as a need or a want: what you spend, and what goes to savings and debt. The Free 80/20 Budget spreadsheet template takes eighteen category lines under those two headings, works the difference out on each, and lets you rename the buckets if your split is not the standard one. One working sheet, with the planned total, the actual and the gap on a strip at the top. Google Sheets or Excel. No macros, no VBA, no sign-up.
Zero-Based Budget
Eighteen lines, each category named as you like, with what you planned set against what actually went out and a difference that settles itself - reading positive where you came in under. The Free Zero-Based Budget spreadsheet template carries an At a Glance strip holding the planned total, the actual total and the gap, plus a currency dropdown beside the title that relabels every money column at once. One working sheet, How to Use behind it. Google Sheets or Excel. No macros, no VBA, no sign-up.
Household Budget
The shared costs of a home in one list, each line carrying what you planned beside what actually went out, and the difference settling itself as you type. The Free Household Budget spreadsheet template gives you sixteen rows, leaves the categories as free text so the list matches your home, and puts the planned total, the actual total and the gap in a strip above them. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
Weekly Budget
One week at a time, a line per category, each carrying what you planned against what actually went out with the difference settling as you type - positive where you came in under. The Free Weekly Budget spreadsheet template lets you name all fourteen categories as you like, puts the planned total, the actual total and the gap in a strip labelled At a Glance, and stays small enough to check on a phone mid-week. Google Sheets or Excel. No macros, no VBA, no sign-up.
Paycheck Budget
A line per category with what you planned on one side and what actually went out on the other, the difference settling itself as you type. The Free Paycheck Budget spreadsheet template holds 22 lines on a single working sheet, carries both totals and the gap between them in a strip, and leaves the labels as free text so the list matches your own bills. How to Use on a second tab. Google Sheets or Excel. No macros, no VBA, no sign-up.
Annual Budget Planner
A row per category covering a whole year, income entered positive and every cost negative, so the bottom row simply resolves to what is left. The Free Annual Budget Planner spreadsheet template puts planned beside actual with a difference column that reads the right way round for both, and its sample lines cover the once-a-year costs a monthly budget mistakes for a bad month. Sixteen rows, one working sheet. Google Sheets or Excel. No macros, no VBA, no sign-up.
Student Budget
One student month on sixteen lines - work, aid and family coming in, rent, food, books and the rest going out. Money in is entered positive and money out negative, so the foot of the column is what is left. The Free Student Budget spreadsheet template sets the plan against what actually happened with a difference on every line, and counts saving as an outgoing so a funded month still shows the remainder. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
Envelope Budget
Sixteen envelopes on one sheet, each with a name, what you set aside for it and what actually went out, and the gap between the two settling as you type. The Free Envelope Budget spreadsheet template totals every envelope in a strip labelled At a Glance and relabels the money columns from a currency dropdown. How to Use sits on a second tab. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
Simple Budget Worksheet
A month on one list: what comes in, then broad headings for where it goes, each with what you planned beside what happened. The Free Simple Budget Worksheet template puts a difference on every line, positive where you came in under, and totals at the foot to the money left over. Twelve rows on a single sheet, with a How to Use tab beside it. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
Monthly Budget Calendar
Thirteen bills in date order, each with an amount, a free-text category, a real due date and a paid marker, so the list sorts itself into the shape of the month. The Free Monthly Budget Calendar spreadsheet template totals the month and counts the entries in a strip above them, and keeps its How to Use guide on a second tab. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
Expense Tracker
A row per expense - the date, what it was, a category, the amount and how you paid - with a strip above the log carrying the total and the count of entries. The Free Expense Tracker spreadsheet template holds sixteen rows, leaves categories as free text so the grouping is yours to define, and switches currency from a dropdown beside the title that relabels the amount column. One file, Google Sheets or Excel. No macros, no VBA, no sign-up.
Income & Expense Worksheet
Fourteen lines you name yourself, each carrying what you expected against what actually happened, with the difference settling on the row as you type. The Free Income & Expense Worksheet template leaves the labels free to describe money coming in or money going out, and a strip at the top holds both totals and the gap between them. One working sheet, a How to Use tab beside it. Google Sheets or Excel. No macros, no VBA, no sign-up.
Bill Tracker
Recurring bills arrive already listed, each with what it costs, the day of the month it lands on, and whether it has gone out yet. The Free Bill Tracker spreadsheet template uses a due day rather than a date, so a recurring bill stays correct every month instead of going stale after the first, and leaves the names and categories as free text so the list is yours. Sixteen rows, one working sheet. Google Sheets or Excel. No macros, no VBA, no sign-up.
Subscription Tracker
Sixteen rows, a service on each, with a category and a billing column recording how the charge actually arrives. The Free Subscription Tracker spreadsheet template derives the annual figure at twelve times the monthly one and closes the sheet with monthly and annual totals. One working sheet, a How to Use tab beside it. Google Sheets or Excel. No macros, no VBA, no sign-up.
Money Tracker
Four columns and nothing else: date, detail, money in, money out. No category column, so an entry takes five seconds. The Free Money Tracker spreadsheet template gives you 16 rows on one working sheet, totals both money columns at the foot, and sets one against the other on a net row underneath. How to Use sits on a second tab. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
Wedding Budget
Venue, catering, photography, attire, flowers, music and the rest - fifteen cost categories with what you planned beside what it came to, and the difference on every line, positive where a category landed under. The Free Wedding Budget spreadsheet template adds a buffer line for the small overruns that add up, and totals the wedding as a whole. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
Travel Budget
Thirteen trip cost categories, your estimate beside what each part really came to, and the difference on every line. The Free Travel Budget spreadsheet template makes every row a cost, so the total at the foot is what the trip comes to, and it carries the insurance and miscellaneous lines that mental estimates leave out. One working sheet and a How to Use tab, Google Sheets or Excel. No macros, no VBA, no sign-up.
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