Ultimate Personal Budgeting Templates
14 advanced personal budgeting templates for Excel and Google Sheets.
Expense Tracker
Two hundred expense rows, room for a year of spending in one file, with named categories carried through every summary. The Ultimate Expense Tracker spreadsheet template sets budget against actual by category and shows the variance in money and percent, reports remaining budget on the dashboard rather than only what has gone, and lays twelve months out by category with an annual total. Seven sheets, Google Sheets and Excel. No macros, no VBA.
Monthly Budget
Named categories laid across all twelve months, with budget against actual and the variance in money and as a percentage. The Ultimate Monthly Budget spreadsheet template counts how many categories are past what was planned for them, groups them into sections on the setup sheet with a share-of-income column, and compares year over year with the change on every category. Six working sheets, savings trends among them. Google Sheets and Excel, one file.
Household Budget Ultimate
A split ratio you set explicitly for the shared costs, thirty shared expenses each with a description, budget, actual and variance, and a paid-by column on every one so the household can settle up. The Ultimate Household Budget spreadsheet template takes per-person income on its own setup sheet and keeps personal categories per person, out of the shared pool. Seven sheets, Google Sheets and Excel, one file. No macros, no VBA.
Subscription Tracker
A category sheet reporting monthly, annual, count and share of total, and a price-rise log working each increase out as a percentage. The Ultimate Subscription Tracker spreadsheet template carries a twelve-month projection grid by category that you adjust for what is coming, a cancellation sheet, and totals that count active services only. Category, renewal date, status and notes sit on every service. Seven sheets, Google Sheets and Excel.
Bill Tracker
Forty bills, each with a frequency, a due day and a status, and a monthly equivalent column so an annual premium and a monthly subscription can finally be compared. The Ultimate Bill Tracker spreadsheet template totals the year including the bills that never appear in a normal month, flags and counts what is on auto-pay, keeps a hundred rows of payment history, and gives every category its monthly total, annual total and share of the whole. Six working sheets. Google Sheets and Excel.
Wedding Budget
Forty vendors, each with a category, a total, a deposit, the balance due, a due date and contact details, set against fifty rows of payment log with a method and a status on every line. The Ultimate Wedding Budget spreadsheet template puts variance, percentage used and a status on all fourteen budget categories, and drives a per-category cost per guest from the guest count. Seven sheets. Google Sheets and Excel, one file. No macros, no VBA.
50/30/20 Budget Ultimate
A sheet per bucket - sixteen lines for needs, thirteen for wants, ten for savings - each carrying planned, actual and the variance between them, with savings reading the other way round so beating the plan shows as favourable. The Ultimate 50/30/20 Budget spreadsheet template keeps the allocation percentages in cells of their own, so a split other than 50/30/20 is a matter of typing over them, and tracks twelve months behind it. Six working sheets. Google Sheets and Excel, one file.
60/20/20 Budget
Living, goals and flexible each get a sheet - seventeen lines, eleven, twelve - with the variance shown in money and as a percentage on every one. The Ultimate 60/20/20 Budget spreadsheet template derives each target from your own allocation percentages rather than fixed shares, takes six income lines, and keeps twelve months of history behind the current one. Six working sheets and a dashboard reading the split you achieved against the one you set. Google Sheets and Excel.
70/20/10 Budget Ultimate
A sheet for each bucket, with room where the detail actually is - twenty lines for living, eleven each for savings and for debt and giving. The Ultimate 70/20/10 Budget spreadsheet template puts planned, actual, variance and variance-as-a-percentage on every line, shows each bucket's real share of income beside its target share, and keeps twelve months behind it with an average and a total per line. Six working sheets. Google Sheets and Excel, one file.
80/20 Budget Ultimate
Spending and savings each get a sheet - twenty-five lines on one side, eleven on the other - with planned, actual, variance and variance-as-a-percentage on every line. The Ultimate 80/20 Budget spreadsheet template works both targets out from six income lines, shows each side's real share of income against its target share, and holds twelve months of history with an average and a total per line. Five working sheets and a dashboard. Google Sheets and Excel.
Zero-Based Budget Ultimate
An Income sheet converts ten sources from their own pay frequencies to monthly figures. Budget Allocation then carries allocated, spent, remaining and share of income across 30 categories, with a zero-based check on whether income and allocation have met. The Ultimate Zero-Based Budget spreadsheet template pulls actual spending through from a 100-row Spending Log, so there is no second tally, and keeps Monthly History and Budget vs Actual alongside. Seven sheets, Google Sheets or Excel.
Envelope Budget Ultimate
A 100-row spending log feeds the envelope balances on its own, so there is no second tally to keep. The Ultimate Envelope Budget spreadsheet template defines 15 envelopes once, each with an allocation, a priority of essential, important or optional, and a note, then carries 30 fund transfers, twelve months of history, and unallocated income reported as a buffer. Six working sheets. Google Sheets and Excel, one file. No macros, no VBA.
Paycheck Budget Ultimate
Each paycheck gets a sheet of its own - 20 bills apiece, with a due date and a paid status against every one. The Ultimate Paycheck Budget spreadsheet template summarises both checks on Pay Setup with net pay, bills assigned, what is left over and the share committed, then puts them side by side on a Monthly Overview with a combined column and each category's share of income. An Annual View sits above that. Seven sheets, Google Sheets or Excel. No macros, no VBA.
Weekly Budget Ultimate
Define each category once on Weekly Setup, with its monthly equivalent and its share of the week, and a buffer line shows the part of the week's income the categories have not claimed. The Ultimate Weekly Budget spreadsheet template then tracks four weekly sections together - budget, actual, difference, status and notes - tags every transaction in a 100-row log with the week it belongs to, and totals the Monthly Summary from that log. Seven sheets, Google Sheets and Excel. No macros, no VBA.
Looking for free templates?
We also offer free personal budgeting templates with basic features. Try them first, then upgrade to Ultimate.