Why use a budget spreadsheet?
A budget is just a plan for your money. This spreadsheet makes it effortless: you fill in what you plan to spend and what you actually spent, and it instantly shows where your money goes, how much is left, and how much you're saving.
How to use it
- Download the file and open it in Excel or upload it to Google Sheets.
- On the Monthly Budget tab, enter your income and expenses.
- Check the Summary tab to see your leftover money and savings rate.
- Use the Debt Payoff and Savings Goals tabs to stay on track.
Frequently asked questions
Is the budget spreadsheet really free?
Yes — 100% free to download and use, no sign-up, no email required. Keep it forever.
Does it work in Google Sheets?
Yes. Download the file, then in Google Drive click New → File upload, upload it, and open it with Google Sheets. All the formulas keep working.
Does it work in Excel?
Absolutely — it's a native .xlsx file. Open it in Microsoft Excel, or the free Excel mobile app, or LibreOffice.
Do I need to know formulas?
No. Just type your numbers in the Planned and Actual columns — every total, the summary and the savings rate update automatically.
What's included?
Four tabs: a Monthly Budget, a Summary dashboard with a chart, a Debt Payoff tracker, and a Savings Goals tracker.