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Free Download - Excel & Google Sheets

Free 70/20/10 Budget Spreadsheet Template for Google Sheets & Excel

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.

Works in Excel and Google Sheets · CC BY 4.0
Get more value with Essentials Spreadsheet Template Unlock all features with Ultimate Spreadsheet Template
70-20-10-budget.xlsx
Free 70/20/10 Budget Spreadsheet Template for Google Sheets & Excel - dashboard preview

Get More with Essentials or Ultimate 70/20/10 Budget Spreadsheet Templates

Free 70/20/10 Budget

Spreadsheet Template
Works in Excel and Google Sheets · CC BY 4.0
Works in Excel and Google Sheets · CC BY 4.0
What's Included
  • One working sheet, a line per category
  • A targets block above the table, worked out from the income you enter
  • Living 70%, savings 20%, debt and giving 10% - the split the method actually describes
  • Discretionary spending inside the living allowance, where this method puts it
  • What you planned beside what you spent
Essentials 70/20/10 Budget spreadsheet template - Google Sheets and Excel preview

Essentials 70/20/10 Budget

Spreadsheet Template
  • Everything in Free
  • Three sections - living 70%, savings 20%, debt and giving 10%
  • Spending lines with a target, an actual and the difference on each
  • A status column calling each line rather than leaving you to compare
  • A dashboard with the month in headline figures
View Essentials 70/20/10 Budget Spreadsheet Template $19›
Most popular
Ultimate 70/20/10 Budget spreadsheet template - Google Sheets and Excel preview

Ultimate 70/20/10 Budget

Spreadsheet Template
  • Everything in Essentials
  • A sheet for each of the three buckets
  • Room for detail on the living side, with savings and debt kept shorter
  • Planned, actual, variance and variance-as-a-percentage on every line
  • Each bucket's real share of income, beside its target share
View Ultimate 70/20/10 Budget Spreadsheet Template $29›

The FinancialAha Free 70/20/10 Budget Spreadsheet Template is a one-sheet workbook for Google Sheets and Excel, with a How to Use guide on a second tab. It works as a Free 70/20/10 Budget Excel template and a Free 70/20/10 Budget Google Sheets template from the same download. This Free 70/20/10 Budget spreadsheet template splits a monthly income three ways - living at seventy percent, savings at twenty, debt and giving at ten - and sets what you planned against what you actually spent. No macros, no VBA, no sign-up.

Inside the workbook

What's inside the FinancialAha Free 70/20/10 Budget spreadsheet template

The FinancialAha Free 70/20/10 Budget Spreadsheet Template runs on a single working sheet, with the instructions on a tab of their own. It works in both Microsoft Excel and Google Sheets and here is what the Free 70/20/10 Budget spreadsheet holds.

  1. 01 of 01

    Budget

    The single working sheet, and the whole template. A targets block sits above the table: the monthly income you enter, and the three bucket figures that follow from it - living at seventy percent, savings at twenty, debt and giving at ten - each set against what that bucket actually spent so a negative figure flags a bucket that ran over. Nothing in that block is added to anything; it is there to be read beside the spending underneath. The table opens with income and then lists the categories as outgoings, each taking a label, the amount you planned and the amount that actually went out. The gap resolves itself as you type. Because the outgoings are negative, the row at the foot is what is left over rather than a sum of spending. There is no separate wants bucket, which is what distinguishes this split from the others: discretionary spending sits inside the seventy percent alongside rent and groceries, and the twenty percent is savings rather than lifestyle. A strip labelled At a Glance holds the planned balance, the actual balance, and the difference between them. Blank lines sit under the sample, and the category labels are yours to rename.

    FinancialAha 70/20/10 Budget spreadsheet template - Budget sheet

  2. Included guide

    How to Use

    A step-by-step guide on its own tab, covering how to replace the sample values, where the spare rows sit, and how to change the currency. Because it ships inside the file, the instructions travel with the template wherever it is opened.

Works in both Google Sheets and Excel

Free 70/20/10 Budget Spreadsheet template for Google Sheets

Upload the Free 70/20/10 Budget Spreadsheet Template to Drive, right-click it, and choose "Open with Google Sheets". This Free 70/20/10 Budget Google Sheets template needs no conversion step and the totals recalculate exactly as they do in Excel.

Free 70/20/10 Budget Google Sheets template setup

A shared copy of the Free 70/20/10 Budget Google Sheets template suits a household where two people spend from the same money, since both read the same target rows.

Running the Free 70/20/10 Budget Google Sheet

The Free 70/20/10 Budget Google Sheet is filled in as the month goes. Nothing in it depends on how often you update it - the totals read whatever rows are filled in.

Also available as:

Free 70/20/10 Budget Spreadsheet template for Excel

The Free 70/20/10 Budget spreadsheet Excel download is a plain .xlsx. Excel opens this Free 70/20/10 Budget Excel template directly, with no import step and no compatibility prompt. There are no macros and no VBA in the file.

Free 70/20/10 Budget Excel template setup

The same Free 70/20/10 Budget Excel template opens in Excel on Windows, Excel on Mac, and Excel for the web. It is also the identical file you would upload to Drive, so there is no separate Free 70/20/10 Budget spreadsheet download to choose between.

Free 70/20/10 Budget spreadsheet Excel notes

The Free 70/20/10 Budget spreadsheet Excel file carries no macros and no VBA, so Excel opens it without a trust prompt.

Opening the Free 70/20/10 Budget spreadsheet Excel file

Nothing in the Free 70/20/10 Budget Excel template is version-specific, so this Free 70/20/10 Budget spreadsheet Excel workbook behaves identically in Excel on Windows, Excel on Mac, and older builds.

Also available as:

Spreadsheet template highlights

What the Free 70/20/10 Budget spreadsheet template tracks

Every column in the Free 70/20/10 Budget Spreadsheet Template is yours to fill, apart from the one that settles the gap. This build works the three targets out from the income you enter:

Category
the label for the line, whether that is a bucket target or a single expense
Budgeted
the amount you planned against that line
Actual
the amount that actually went out
Difference auto
derived, reading positive where you came in under the line and negative where you went over

Compare builds

FinancialAha 70/20/10 Budget spreadsheet template: Free, Essentials, and Ultimate compared

Feature Free This page Essentials View Spreadsheet Template Ultimate View Spreadsheet Template
Working sheets 1 2 6
Targets worked out from your income Yes Yes Yes
Budget rows 19 19 + 7 + 8 across three sections 20 + 11 + 11 across three sheets
Status column calling each line – Yes Yes
A sheet per bucket – – Yes
Twelve-month history – – Yes
Charts – 2 2

The FinancialAha Free 70/20/10 Budget Spreadsheet Template works the three targets out from the income you enter and sets them above a single table of planned against actual. The Essentials 70/20/10 Budget Spreadsheet Template takes income across several sources, gives each bucket its own section with a status on each bucket, and adds a dashboard with two charts. The Ultimate 70/20/10 Budget Spreadsheet Template gives each bucket a sheet of its own - living, savings, and debt and giving - reports variance in money and percent, and tracks twelve months.

Compare the other builds: Essentials 70/20/10 Budget spreadsheet template or the Ultimate 70/20/10 Budget spreadsheet template .

Good to know

Notes on working in the Free 70/20/10 Budget spreadsheet template

  • The targets sit above the table rather than inside it, so the row at the foot is what is left over rather than targets and spending added together.
  • The three target figures follow from the monthly income you enter, so changing the income moves all three.
  • There is no wants bucket in this split. Dining out, entertainment and the rest sit inside the seventy percent, and the twenty percent is savings.
  • The 70/20/10 shares are fixed in this build. Nothing stops a bucket going over them, and the sheet takes no view about whether the split suits anyone.
  • Sample rows ship in the file so the layout is visible on first open. Type straight over them - the totals read the row range, not the values.
  • The currency dropdown beside the title relabels the money columns of the Free 70/20/10 Budget spreadsheet. It changes the label only and does not convert the numbers.

How the 70/20/10 Budget template works

The Free 70/20/10 Budget Spreadsheet Template holds the split beside what you actually spent. One table: each bucket opens with a target row - living, then savings, then debt and giving - and its categories follow underneath. Every line takes what you planned and what went out, with the difference resolving as you type. The three target figures come from the monthly income you enter, at seventy, twenty and ten percent, and they sit above the table rather than inside it, so the figure at the foot is what is left over.

When this template helps

01

You want the three buckets and the spending against them on one page.

02

You are trying a percentage split and want to see whether your months match it.

03

You would rather rename the buckets than adopt someone else's labels.

04

You prefer a spreadsheet you control over a budgeting app.

Tips to get the most out of it

  • The three shares are fixed on this build; editable allocation percentages start at Ultimate.
  • The per-line difference column is the part to work from, since two lines moving opposite ways net out to nothing.
  • Renaming a bucket changes the label and not the share behind the figure.

Common mistakes to avoid

  • Reading the foot total as a spending figure. It is income less outgoings, so it reads what is left over.
  • Leaving the target rows at the shipped figures, which describe a sample income rather than yours.
  • Recording spending in the bucket it feels like rather than the one you assigned it to.
  • Treating a single month as evidence about a percentage split.

How to Use the Free 70/20/10 Budget Spreadsheet Template

1
Enter your monthly income
The three bucket targets follow from it, at seventy, twenty and ten percent.
2
Name your categories
Under the bucket each belongs to.
3
Plan and record
What you allowed, then what went out.
4
Read the per-line gap
The difference column, line by line.
Ultimate
70/20/10 Budget Ultimate
Ultimate (29) gives each part its own sheet, with deeper reporting on top.
View Ultimate $29

Built by Claude AI. Perfected by us.

We use Claude AI to draft each template, after a deep research. Then our team steps in. We refine the layout, stress-test every formula, fix edge cases, and polish the design until it feels like something we would actually use ourselves. The AI gets us 80% there. The last 20% is all human judgment.

Excel
Sheets
No signup
Download instantly, no email required
Formula-driven
All calculations update automatically
Dual compatible
Works in Excel and Google Sheets
Sample data included
See the template in action right away

Frequently Asked Questions

What is the difference between the free, Essentials, and Ultimate Free 70/20/10 Budget spreadsheet template?

Free is a single-sheet starter template with sample data and a How to Use guide. Essentials ($19) is the fuller build - more capacity, more detail, and more worked out for you rather than typed. Ultimate ($29) goes further again, usually six working sheets, giving each part of the template its own sheet and adding deeper reporting on top. What each tier holds differs by template - the comparison table on every template page lists it exactly.

Which Free 70/20/10 Budget spreadsheet template should I download?

Upgrade to Essentials if you want a dashboard with charts, more categories, larger capacity, and a more polished spreadsheet for ongoing use. The Free version is a good fit for one-off planning or trying out the layout.

Can I upgrade the Free 70/20/10 Budget spreadsheet template later?

Essentials is a one-time $19 purchase with no subscription. It typically adds a full dashboard, 30-50% more categories or rows than the Free version, and richer formulas. Most buyers upgrade after using the Free version for a few weeks and hitting its limits.

Is the FinancialAha Free 70/20/10 Budget Spreadsheet Template a Google Sheets template?

Yes. Upload the file to Drive and choose "Open with Google Sheets". Nothing needs rewriting in the Free 70/20/10 Budget Google Sheets template, and the totals recalculate exactly as they do in Excel.

Is the FinancialAha Free 70/20/10 Budget Spreadsheet Template an Excel template?

Yes. The download is a plain .xlsx, so the Free 70/20/10 Budget Excel template opens directly in Excel with no import step. There are no macros and no VBA in the file.

Will the FinancialAha Free 70/20/10 Budget spreadsheet Excel file open in older versions of Excel?

Yes. The Free 70/20/10 Budget spreadsheet Excel workbook ships as a plain .xlsx, so it opens identically in current Excel and in builds that predate dynamic arrays.

Does the total at the foot show my budget?

It shows what is left over. Income is entered as a positive line and the outgoings as negatives, so the foot row reads income less spending. The three bucket targets sit above the table and are not added into it.

Are the targets worked out from my income?

Yes. Enter your monthly income above the table and the three targets follow from it at seventy, twenty and ten percent. The shares themselves are fixed on this build - the Ultimate build makes them editable cells.

Can I rename the buckets?

The category labels are yours to rename. The three bucket targets are fixed at 70/20/10 on this build, because that is the split the template is named for; the Ultimate build lets you change the percentages.

Does the sheet stop a bucket going over?

No. It reports the gap and takes no view. The shares set what each target figure comes to, and nothing beyond that steps in when a bucket runs over.

How many rows does the FinancialAha Free 70/20/10 Budget spreadsheet hold?

As many as you need. Blank lines sit under the sample, and right-clicking a row inside the table and choosing Insert extends it - the totals expand to include it. The three bucket targets sit above it and are not part of that count.

How do I open the Free 70/20/10 Budget spreadsheet template in Google Sheets?

Upload the .xlsx file to Google Drive, then open it with Google Sheets. All formulas and formatting will be preserved.

Can I use the Free 70/20/10 Budget spreadsheet template for commercial work?

All free templates are released under CC BY 4.0 (Creative Commons Attribution). You can use, modify, and share them freely - including for commercial purposes - as long as you credit FinancialAha.com. They are provided as-is and do not constitute financial advice.

More Free 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.

Free

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.

Free

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.

Free

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.

Free
70/20/10 Budget
Free · $19 · $29
View Essentials 70/20/10 Budget Spreadsheet Template $19