I use an Apple Numbers spreadsheet; screenshot at https://imgur.com/a/GuHidSQ and can assist you with setting it up What items do you wish to address with a spreadsheet? My objective was monthly income/expense totals and savings Answer from DTLow on reddit.com
🌐
Microsoft Excel
excel.cloud.microsoft › create › en › budget-templates
Free budget template spreadsheets to customize | Microsoft Excel
Browse templates that are tailored for a range of uses including business use cases such as regular monthly budgets and profit and loss statements, where each can be customized to reflect brand colors and logos. Review personal finance template examples including those tailored to savings and college budgeting. Each Excel budget template is populated with the required formulas to ensure the required calculations are accurate and correct.
🌐
NerdWallet
nerdwallet.com › back to nerdwallet homepage › finance › free budget spreadsheets and tools
Free Budget Spreadsheets - NerdWallet
February 26, 2026 - Something as simple as adding an extra 10% to your "needs" category (60/30/10 budget) could better account for your expenses. What we like: The planner prompts you to consider a wide range of expenses — from life insurance premiums to travel expenses to credit card payments — so you don’t miss anything. Where to get it: You can read the story about our free budget template first, then use it directly on NerdWallet. You can also just download the spreadsheet, which is compatible with Microsoft Excel and Apple Numbers.
Discussions

Best free budget spreadsheet?
I use an Apple Numbers spreadsheet; screenshot at https://imgur.com/a/GuHidSQ and can assist you with setting it up What items do you wish to address with a spreadsheet? My objective was monthly income/expense totals and savings More on reddit.com
🌐 r/budget
22
5
August 29, 2024
Excel budget template
Build it in less than a minute: A1: Description B1: In C1: Out A15 to C15: Shade black A16: Balance remaining B16: = SUM(B1:B15)-SUM(C1:C15) More on reddit.com
🌐 r/PersonalFinanceNZ
5
0
January 30, 2025
What is the best budgeting spreadsheet you've found/made?
There are a selection of spreadsheets listed here to get you started https://ukpersonal.finance/budgeting/#Spreadsheets More on reddit.com
🌐 r/UKPersonalFinance
7
1
October 16, 2024
For those who wanted my budget spreadsheet, here it is
Dang man you are definitely living like a resident with only $225/mo on food. (150 groceries and 75 restarant). Well done! More on reddit.com
🌐 r/whitecoatinvestor
14
78
September 1, 2024
🌐
Smartsheet
smartsheet.com › top-excel-budget-templates
Free Excel Budget Templates
July 30, 2025 - From personal expenses to business budgets, this one-stop collection of free Excel budget templates and spreadsheets gives you the tools to track income and expenses, organize your money, gain financial clarity, and make smarter budgeting decisions.
🌐
Vertex42
vertex42.com › ExcelTemplates › budgets.html
20+ Budget Templates for Excel - Vertex42.com
Download free Excel Budget Templates for creating family, personal, business, and household budgets.
🌐
Tiller
tiller.com › home › tiller blog › featured spreadsheet templates › 7 best free excel budget templates for 2026
7 Best Free Excel Budget Templates For 2026 | Tiller
Free Excel budget templates for monthly budgets, annual tracking, and automated spending. Includes the only Excel budget template recommended by Microsoft. Updated 2026. TaggedBudgetingCollected Spreadsheet TemplatesMicrosoft Excel
Published   July 13, 2020
Find elsewhere
🌐
ProjectManager
projectmanager.com › home › 12 free budget spreadsheet templates for excel and google sheets
12 Free Budget Spreadsheet Templates for Excel and Google Sheets
12 free budget spreadsheet templates for Excel and Google Sheets designed for personal, business and project budgeting.
Published   March 13, 2026
🌐
Microsoft Support
support.microsoft.com › en-us › excel › manage-your-household-budget-in-excel
Manage your household budget in Excel | Microsoft Support
Creating a budgeting plan for your ... but Excel can help you get organized and on track with a variety of free and premium budgeting templates. 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 ...
🌐
Sheetgo
sheetgo.com › home › free budget templates in excel
Free budget templates in Excel - Sheetgo
April 20, 2026 - The Sheetgo Expense tracker template is ideal for anyone looking for a simple way to monitor expenses and automate financial management. You could use it for your business or implement it in your team.
🌐
Tiller
tiller.com › home › tiller blog › featured spreadsheet templates › 11 best free monthly budget templates for 2026 (google sheets + excel)
Best Free Monthly Budget Templates 2026 | Google Sheets & Excel
June 29, 2020 - Track your finances with this free, easy-to-use personal budget template for Excel. ... This free monthly budget template for Google Sheets is a user-friendly income and expense tracker. ... If you’ve used Quicken for budgeting in the past, but don’t want to keep up with the fees, Reddit user Zacce has created a great substitution with almost 10,000 upvotes. You can read the explanation of the spreadsheet here.
🌐
Moneysmart
moneysmart.gov.au › budgeting › budget-planner
Budget planner - Moneysmart.gov.au
3 weeks ago - Our free online budget planner helps you track, plan and prioritise where your money is going.
🌐
The Happy Giraffe
happygiraffe.org › home › free budgeting spreadsheet (excel) – just fill & go
Free Budgeting Spreadsheet (Excel) – Just Fill & Go
August 22, 2023 - This free Excel budgeting spreadsheet isn’t just a template. It’s a full system that’s ready to go. Just add your income and expenses, and it’ll show you your weekly spending money (that’s your Happy Money!) and a clear 2-year forecast. It’s simple, category-free, and designed to help real people like you start budgeting with confidence.
🌐
Consumer
consumer.gov › sites › default › files › pdf-1020-make-budget-worksheet_form.pdf pdf
Make a Budget
Use this worksheet to see how much money you spend this month. Then, use this month’s · information to help you plan next month’s budget
🌐
WalletHub
wallethub.com › edu › b › free-budget-templates › 25887
Best Free Budget Templates for 2026
January 27, 2026 - How to Get Free Templates: Go to create.microsoft.com and search “budgets.” Once you find a template you like, you will need to sign in or create a Microsoft 365 account so you can edit the template with the web version of Excel.
🌐
Smartsheet
smartsheet.com › 32-free-excel-spreadsheet-templates
Free Excel Spreadsheet Templates
December 30, 2025 - Download Excel spreadsheet templates for project tracking, inventory management, budgets, personal finance, to-do lists, planners, invoices, and more.
🌐
Smartsheet
smartsheet.com › content › small-business-budget-templates
Free Small Business Budget Templates
Start your small business budget quickly with a pre-built template that’s ready to use. These free small business budget templates for Excel and Google Sheets help you organize income and expenses, track monthly cash flow, and compare projected versus actual performance.
Published   July 24, 2025
🌐
Microsoft Excel
excel.cloud.microsoft › create › en › business-budgeting
Business budget planner: edit and share online | Microsoft Excel
Easily create business spreadsheets to track budgets, expenses, accounting and more... Explore five free budget planner templates in Microsoft Excel online for weddings...
🌐
Olivia White
houseofwhite.com.au › home › how to set a budget + free spreadsheet
How To Set A Budget + FREE SPREADSHEET • Olivia White
February 19, 2021 - So I know this has been promised for a long time now. But FINALLY, I got my self organised and have put together a family specific Budgeting Spreadsheet for you to download and use! Here you should find everything you need to list in order to work out what your monthly spending looks like. The […]
🌐
Vertex42
vertex42.com › ExcelTemplates › personal-budget-spreadsheet.html
Personal Budget Spreadsheet Template for Excel
Download a free Personal Budget Spreadsheet template for Excel and or Google Sheets. Easily organize your personal home finances. Create a yearly budget plan.
🌐
Tidyflow
gettidyflow.com › blog › best-budget-spreadsheet-templates
Best Free Budget Spreadsheet Templates for 2026 (Excel, Google Sheets & Notion) | Tidyflow
March 11, 2026 - Microsoft’s own budget template is surprisingly solid for a free offering. It includes income tracking, categorized expenses with pre-built formulas, and a clean summary section with pie charts showing spending distribution. The template works in both desktop Excel and Excel Online.