10 Free Budget Spreadsheets for Excel

by Janet Dagostino, Savvy Spreadsheets


There are a ton of free Excel budget spreadsheets out there, but how do you which one to try? The best ones are those that are easy to use and intuitive. It shouldn’t feel like “work” to use them, otherwise you’ll just stop using them. It also helps if they look good, since you’ll probably be spending several hours in it each month.

I’ve narrowed down some of my favorite free budget spreadsheets from around web for you here. These are all compatible with Microsoft Excel. Some may be compatible with other spreadsheet apps like Google Sheets, but I can’t say for sure. Try them out and see what works best for you. Also, if you know of any other good ones, feel free to mention it by commenting below!

1. Super Starter Budget

Of course this template is on the list but it’s super popular for good reason. It’s a straightforward, single-month budget, that’s incredibly user-friendly and simple to understand. Just enter your categories and log your expenses. Then check the summary sheet to see where your money went and how much you saved.

Created by: Savvy Spreadsheets
Download the Super Starter Budget

2. Monthly Family Budget

This budget is just the kind of template that people love to use – it’s easy and pretty. Just enter your budget and actual numbers, and see what the difference is. I should mention, however, that special fonts are used in this template, so your download may not look exactly like the picture unless you have all of the fonts installed.

Created by: What Mommy Does
Download the Monthly Family Budget

3. Simple Budget Worksheet

I love the look and the concept of this simple budget worksheet. To start, enter your income, and decide how you want to split up your savings. Then, enter your expenses into a log to see how much you ended up saving.

Created by: Vertex42
Download the Super Starter Budget

4. Family Budget Planner

The Family Budget Planner is a nicely laid out, comprehensive budget tool. This template is split up into quarters, so you can focus on three months at a time. It also has a clean summary sheet with several graphs.

Created by: Spreadsheet123
Download the Family Budget Planner

5. Weekly Budget Planner

This is a great template for those who want to budget by week. It has plenty of space for multiple income sources, and a whole bunch of expenses listed. Please note however, that you will have enter your email address to get this download.

Created by: Dotxes
Download the Weekly Budget Planner

6. Personal Monthly Budget

I’d be remiss to not include a Microsoft template on this list. This budget has such a clean and refreshing layout. The formulas are straightforward, it’s easy to edit, and it’s nicely formatted to print.

Created by: Microsoft
Download the Personal Monthly Budget

7. Simple Monthly Budget

I love how this template doesn’t look like an Excel spreadsheet. In fact, I wasn’t even sure that it was an Excel template until I downloaded it . It truly is a simple template – just list your income and your expenses, and it will calculate the difference.

Created by: Budget Templates
Download the Simple Monthly Budget

8. Personal Budget Template

This monthly budget sheet lets you plan every dollar in three separate sections – income, savings, and expenses, and then provides a nice graphical summary. After clicking the link below, scroll about halfway down the page (there’s a lot of templates there!) and you’ll see the Personal Budget.

Created by: Smartsheet
Download the Personal Budget Template

9. Cash Flow Budget

Dave Ramsey fans will love this Cash Flow Budget! This template follow’s Ramsey’s philosophy of zero-based budgeting. It also has a very clear instruction sheet so you know exactly how to use it.

Created by: MDM Proofing
Download the Cash Flow Budget

10. Simple Budgeting Spreadsheet

This very well-designed template makes it really easy for you to enter your daily income and expenses by category. It also has a really clear top sheet that summarizes your income, expenses (fixed, variable, and occasional), debt, and savings.

Created by: Money Under 30
Download the Simple Budgeting Spreadsheet

Hope one of these free Excel budget templates meets your needs! And if you find any other good ones, feel free to add a link in the comments below.