A free budget spreadsheet that actually gets used.

One tab to type in, everything else calculated for you. The same layout as our paid templates — just smaller. Take it, use it, keep it forever.

  • Transactions log with category dropdowns — no typos, no duplicates
  • Automatic totals: income, expenses, money left, savings rate
  • Spending by category, ranked by share of your expenses
  • Works in Excel 2010+, Google Sheets and WPS

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What's inside

Three tabs, no macros, no add-ins. It opens in whatever spreadsheet app you already have.

Free monthly budget template - summary tab with totals and spending by category
Start HereA three-step quick start and a preview of the full version. Read it once, then delete or ignore.
TransactionsOne row per transaction. Six sample rows show exactly how to fill it — overwrite them with your own.
SummaryIncome, expenses, money left, savings rate and a category table. Every cell is a formula you never have to touch.

Why free?

Because most budget spreadsheets fail for the same reason: they are too complicated to keep up with, so people stop after two weeks. This one is deliberately small — you can be done in three minutes a week. If it sticks and you later want budget limits per category, a dashboard, an overspend watch list and twelve-month tracking, the full version is a one-time $9.

Want the full system?

The Monthly Budget Planner adds budget-vs-actual limits per category, an automatic dashboard, an overspend watch list and 12-month tracking — $9, one-time, instant download.

See the Monthly Budget Planner — $9