Home · Spreadsheet templates · 50/30/20 budget calculator · Savings goal calculator · Debt payoff calculator
A simple, one-sheet budget vs actual template. Type your monthly budget and what you spent in each category; it shows what is left, which categories are overspent and how much of your income you spent. Excel, Google Sheets and Apple Numbers. No sign-up, no email, any currency.
Download the free budget spreadsheet (.xlsx)
One .xlsx file, about 5 KB, no macros. Google Sheets: upload it to Google Drive, then Open with > Google Sheets.
| Summary | Planned vs actual income, spending and money left over, plus share of income spent |
| Income | 3 income sources: expected vs received |
| Spending | 15 categories (12 filled in: rent, utilities, groceries, transport, subscriptions, savings, debt and more): budget, spent, left, % used and a bar |
| Sample month | Example numbers show how it works; overwrite them with yours |
| Free | Full ($4) | |
| Budget vs actual per category | Yes | Yes |
| Spending categories | 15 | 25 + 8 income |
| Log each purchase once, totals add up automatically | No (type totals) | Yes, 3,000-row log with category dropdown |
| Switch between months | One month per copy | All 12 months in one file |
| 12-month overview with savings rate | No | Yes |
Get the full Monthly Budget Planner on Etsy ($4)
Or the Personal Finance Spreadsheet Bundle ($9, 3 files): budget planner + debt payoff planner (snowball vs avalanche) + savings goals tracker. Instant download, no subscription.
1. Income. Enter your take-home pay (after tax) and any side income you expect this month.
2. Budget. Give every spending category a monthly amount. Not sure where to start? The 50/30/20 calculator splits your pay into needs, wants and savings.
3. Spent. At the end of the month (or every week), add up your bank and card statements per category and type the totals in the Spent column.
4. Review. Red negative numbers in Left are overspent categories. Move money from categories with room left, or raise the budget if it was unrealistic.
Saving for something specific, like a holiday or car repairs? Use the savings goal calculator to set the monthly amount for your Savings transfer line.