Free Budget Spreadsheet Template
Start with a monthly budget, then add the trackers you need: family expenses, debt payoff, net worth, and a personal financial statement. Every file downloads instantly as XLSX and imports into Google Sheets.
- Free, no sign-up required
- Downloads work in Excel
- Imports into Google Sheets
7 free downloads
How to use these templates
- Step 1
Pick a starting point
Use the monthly budget for a standard plan, the family budget for shared household expenses, or the daily tracker if you prefer to log spending as it happens.
- Step 2
Enter planned and actual amounts
Fill in income and category budgets, then record what you actually spent. Variance, remaining budget, and savings update automatically.
- Step 3
Review monthly and adjust
At the end of the month, compare planned versus actual and move the difference to savings or debt. Repeat the same file next month to see the trend.
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Budget first, then track
A budget only works when the plan and the actual spending live in the same place. These templates keep both sides visible so the variance column tells you what to change next month.
Add debt and net worth tracking
Once the monthly budget is stable, add the debt payoff and net worth trackers. They answer the two follow-up questions people ask first: when will the debt be gone, and is the overall position improving?
No app subscription required
Everything runs in a spreadsheet you own. There is no account to create, no syncing to a budgeting service, and no monthly fee.
Frequently asked questions
Which budget template should I start with?
Start with the monthly budget spreadsheet if you want one plan per month. Choose the family budget for shared household expenses or the daily expense tracker if you prefer logging purchases as they happen.
Do the budget templates work in Google Sheets?
Yes. Download the XLSX file and import it into Google Sheets with File > Import > Upload, or use the import steps shown on each product page.
Are the files free?
Yes. Every budget template is free to download, with no sign-up, email, or checkout.