PearBudget Free Budget Spreadsheet

What You Need To Know About PearBudget

Serious man paying bills online at home
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Overwhelmed by your financial situation? Are you in need of a quick and easy way to set up a budget?

PearBudget may be the answer -- or at least a good place to start.

PearBudget is a free budget spreadsheet for Mac or Windows that is used with Microsoft Excel or similar spreadsheet software. Use PearBudget spreadsheet to set up and track spending month-to-month.

PearBudget tracks a monthly personal or household budget, and accommodates envelope budgeting by using irregular expense categories for annual, quarterly or other non-monthly expenses.

Enter a yearly amount for irregular expenses, and PearBudget tells you how much you need to save to cover the bills when they are due. PearBudget then rolls unused amounts for irregular expenses forward to the next month to work as anĀ envelope budgeting app.

PearBudget requires entering daily expenses onto the spreadsheet. If you won't keep up with the data entry, try another budget spreadsheet, or free personal money management software.

The PearBudget web-based budgeting tool is also available with a free trial and $3 per month thereafter.

Pros of PearBudget

  • PearBudget spreadsheet is free.
  • Compatible with multiple operating systems.
  • Great for those who want to get very detailed with budgeting.
  • Specific directions are included.

Cons of PearBudget

  • Requires a lot of manual entry.
  • May be frustrating to those who like more automation.


  • Twenty minutes to set up worksheets, 10-20 minutes to do data entry each week, depending on your spending patterns.
  • PearBudget tracks fixed, irregular and variable expenses separately, which is optimal for budget analysis.
  • Enter transactions manually, which keeps you on top of your spending.

PearBudget Review

PearBudget is a comprehensive household budget spreadsheet that is downloaded and used with Microsoft Excel, Open Office Calc, or any Windows or Mac spreadsheet software that supports .XLS files.

If you do not have Microsoft Excel, give Open Office Calc a try.

PearBudget spreadsheet does not track financial accounts like traditional personal finance software does. Instead, it is a spreadsheet that's all set up for you with formulas and formatting to make it easy to create and track your budget. Here's what you get:

  • The Start Here tab walks you through setting up expense categories and setting up budgeted amounts with comprehensive yet simple instructions.
  • Tabs at the bottom of the PearBudget worksheet designate each month where you enter daily expenses and review the amount budgeted against amount spent for the month.
  • The Analysis tab analyzes expenses by month and category, and reveals the difference between actual spending and budgeted spending for variable expenses.

Of course, PearBudget lacks the features of traditional financial software for Windows or Mac personal finance software, or online financial software. However, if you simply need to set up a budget, you have basic spreadsheet skills and you don't need other personal money management features, the PearBudget spreadsheet is worth a try, especially if you're seeking a free product that will help you set up and stick to a budget.

Download PearBudget Spreadsheet

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