The Best Budget Spreadsheets

Managing a budget can help keep your finances organized and control your debt. It can also help you plan your financial future, from saving for a new car to coming up with the down payment for a new home. But budgeting doesn't have to be an arduous task, thanks to the power of budget spreadsheets. In addition, you can further simplify your budget management tasks with the help of handy and free Excel templates with pre-built, ready-to-use budget spreadsheets.

Free or low-cost budget spreadsheets are available on the internet. Choose from online spreadsheets or downloadable templates that can be used with Microsoft Excel, Google Sheets, or Apache OpenOffice Calc. All can be edited to suit your budgeting needs.

Vertex42 Spreadsheets

Vertex42 lists over a dozen free budget spreadsheets that work with Microsoft Excel, as well as some that are compatible with Apache OpenOffice Calc and Google Sheets. You'll find spreadsheets for monthly and yearly household and personal budgets, Christmas gift budgets, business budgets, wedding budgets and a Money Manager Spreadsheet for Kids.

For those who want to track expenses against a budget, the Money Management Template is an excellent Excel or Calc spreadsheet that does not require the use of macros.

Many of these spreadsheets include a demo video tutorial.


It's Your Money Budget Spreadsheets

It's Your Money lists seven free budgeting spreadsheets, including a Cash Flow Budget Spreadsheet inspired by Dave Ramsey's budgeting methods. Need to keep a budget by the week? Try the Box Budget Spreadsheet, which breaks down each month into four weeks.

These spreadsheets work with Microsoft Excel with macros enabled, and some work with OpenOffice Calc (free). It's Your Money offers an assortment of free or low-cost personal money management spreadsheets.


PearBudget Free Budget Spreadsheet

PearBudget is a free, comprehensive household monthly budget spreadsheet that can be downloaded and used with Microsoft Excel or any other spreadsheet software that supports xls files. An analysis tab analyzes expenses by month and budget category, and shows the difference between actual and budgeted spending.

PearBudget also offers an updated online version of the budget spreadsheet that does not require a download and is available for a free 30-day trial.

Google Sheets Budget Spreadsheets

Use the Google docs template gallery for Google Sheets to find some great options for budgets:

  • Best-Personal-Budget-Planner: A very comprehensive budget spreadsheet with embedded spending and budget summary graphs.
  • Simple Budget Planner: A more compact budgeting spreadsheet by Google that lets you budget expenses by percentage of annual and monthly income.
  • Yearly Budget Template: A detailed yearly and monthly budget tracking spreadsheet. This budget spreadsheet lets you project income and savings as well as keep a record of actual income and savings.

If you prefer using Google Drive spreadsheets, you can also find some of the Vertex42 budget spreadsheets in the Google Drive templates.

Using Budget Spreadsheets

With the variety of available online and downloadable budget spreadsheets and templates, it's easy to manage your finances. In addition to budgeting for routine, daily expenses, these tools can help you save for an upcoming family event, a new business, or a college education. Spreadsheets are available in ready-to-use form or can be easily modified for your use.