If you've just entered the real world as a newly independent adult, or if you've been spending more money than you can afford, it's time to figure out a budget. To get started, you can use my free personal budget spreadsheet template in Excel or Google Sheets to track your income and expenses using a common set of budget categories. You can easily change the categories as needed.
If this is your first time trying to create a personal budget, you may want to read the article "How to Make a Budget." It explains how to use a spreadsheet to track your expenses, and then how to turn that information into a budget.
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The personal budget spreadsheet below is one of my original budget templates. It provides a simple way to create a budget, especially if you need ideas for budget categories. If you want a more complete system that helps you track, plan, and analyze your spending, try the Money Management Template.
Like my Family Budget Planner, this personal budget spreadsheet can be used to create a yearly budget. By planning many months ahead, you can account for variable expenses and estimate how major life changes like moving, changing jobs, or purchasing a home may affect your financial future.
First reason: it's free. Microsoft Excel isn't free, but if you already own Excel, then you can create a budget without purchasing other budgeting software. If you don't own Excel, then Google Sheets and OpenOffice are free options to consider.
Second reason: flexibility. The reason I use Excel when working with my home and business budgets is that it gives me complete flexibility to keep track of the information the way I want to. For example, I like to use cell comments to explain certain budgeted items in more detail (such as the fact that in May, there is Mother's Day and a couple of birthdays to remember).
Creating a simple personal budget (even if it is only on paper) is one of the first steps to gaining control of your spending habits. Tracking your income and spending comes both before and after making a budget. For expense tracking, you could use my Income and Expense Worksheet, Checkbook Register, or the newer Money Manager. A budget is almost useless without tracking what you are spending.
A spreadsheet may not be the best budgeting solution for everybody. In my opinion, the #1 problem associated with using a spreadsheet for your personal budget is the chance that you'll make errors. The flexibility comes at the price of possibly deleting or messing up an important formula, or making bad assumptions.
Maintaining a budget is especially important when running a business. Whether you offer goods or services, this monthly budget template can help put you on the road to success. Record business expenditures, such as advertising, taxes, and legal fees, and plot them against business income, such as product sales and service fees. This template shows you where you need to reduce or eliminate spending, and helps you identify your most profitable sources of income.
College is one of the biggest investments many people will make in their lifetime. Use this monthly budget Excel spreadsheet to help plan for it accurately. In addition to tuition fees, this sheet will help you track spending on textbooks and educational supplies, housing, and transportation, as well as income from jobs, internships, and student loans or scholarships. You can also track your college budget by month or by quarter.
Even before your kids reach college, school expenses can add up. Keep track of them with this monthly budget template. It allows you to track all spending related to school and extracurricular activities: tuition, lab fees, books and school supplies, uniforms, club and team dues, and more. By managing your school budget, your kids will have the financial support they need to achieve their goals.
Build a budget and track your expenses with this Personal Budget template. Enter your monthly projected income and expenses and a starting balance for the year. Then, enter your actual monthly income and expenses month-by-month and the sheet's built-in hierarchy functions will calculate the rest for you.
The great thing about this budget, which my friend from showed me initially, is you can change it to make it work for you. This is what we spend money on and what makes sense for our lives, but it will probably be different for you.
The purpose of a household budget is to summarize what you earn against what you spend to help you plan for long and short-term goals. Using a budgeting spreadsheet can help make your financial health a priority by keeping spending in check and savings on the rise!
Prefer to do things yourself? This Excel template can help you track your monthly budget by income and expenses. Input your costs and income, and any difference is calculated automatically so you can avoid shortfalls or make plans for any projected surpluses. Compare projected costs with actual costs to hone your budgeting skills over time.
If you stick to fixed expenses, you can get to your short and long term goals more quickly. But, you can also include a certain amount in your monthly budget for fun and entertainment - a variable expense you certainly might want to track while attending college.
However, not everyone likes the idea of sharing their private banking information which is required to drive these applications. Another option is to use one of a wide array of customizable, downloadable Google Sheets budget templates available online. These let you utilize technology to track your finances for free while keeping your banking information private.
This template from Saved by the Cents excels for two reasons. One, it is highly customizable. You can add anything you want to your monthly expenses with ease. And two, it is truly simple. No special spreadsheet knowledge required to get up and running.
I have created a workbook that fits the way I think about things for the most part. I am most curious about how to do this where I can have monthly sheets reflecting my envelope style and actual spending. So far I am thinking of a sheet for each month, which can be difficult with all the formulas for a newbie like me.
I have had others comment on how terrible this setup is. I get it. It probably is. I am very VERY new to budgeting this way and am trying. Like I said, this represents what I am looking for, but just mostly want input on Functionality!!
I am trying to create a budget spreadsheet in Google sheets. I get paid weekly. I would like to make a sheet that represents each day of the month, where on each sheet credits and debits for the calendar day are listed in B2:B32, added together in cell f6 and then I would like to create a monthly summary sheet that would have the seven day value of f6 that runs from Friday to the next Thursday added together, the sum being reported in g11.
Then every Friday when I am paid again, I would like the spreadsheet to shift to the next Friday through Thursday period, an example being that the current pay period is January 27th 2023 through February 2nd 2023. Then when it is February 3rd and I am paid again, I would like the workbook, without wiping any values from any sheets, automatically switch to the pay period of February 3rd through February 9th, those dates represented the number of each sheet in the workbook.
Basically, it helps you set priorities in your budget and categorize expenses by breaking your spending into three types: needs, wants, and savings. Then, it gives a different percentage of your income to each of these expense categories.
You cannot edit the public version of the spreadsheet. Go to File -> Make a copy to save your own copy of the budget spreadsheet. You can also download the spreadsheet to use in other applications like Microsoft Excel.
Empower, formerly Personal Capital, is *Larry David voice* pretty, pretty straightforward: link up your bank account and the app tracks your spending. Your results are displayed on this budgeting app in easy-to-read charts.
If you like visualizing your budget on a calendar, this template is for you. It provides a clear view of your monthly expenses, making it easier to manage your money effectively. Also powered by Tiller (but can be used without a Tiller subscription), the Monthly Budget Calendar is a minimalist spending tracker and monthly budget for Google Sheets.
Reddit user Celesmeh created this great budget spreadsheet for people who feel intimidated by budgeting. She used to be one of those people herself, but after practicing on budgeting apps and asking for input from people who were good at the whole money thing, she created a worksheet that made the process easy for her.
[Disclaimer: Please note that while these budget templates can be valuable tools for managing your finances, individual financial situations vary. Always consult with a financial advisor for personalized advice.]
The template is also built to accommodate irregular expenses that you might only spend money on or have to pay for a few times a year. Once you enter a list of the things you want to create an annual budget for, the template will calculate how much you need to save per month to cover it. And that amount is deducted before you set up your monthly budget.
This budget template is only made for two sources of income. If you have more than one additional source of income, you can count them together and enter the total as one number for your extra monthly income.
Start by adding things you pay for once a year or irregularly in the Annual Budget box. You can find examples and suggestions by hovering over the budget category* cell.
After you enter in all the annual and irregular expenses you can think of, the budget template will divide the total into a monthly amount inside the Fixed Monthly Costs box.
At the top of the list is the monthly amount to set aside for your annual budget and the second item is your after tax retirement account. If you have one and gave it a nickname in the Asset Names box, the nickname will be used for this line item. ff782bc1db
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