Monthly Budget Template — Simple Budget Spreadsheet for Google Sheets and Excel
A monthly budget template tracks income and expenses in a simple spreadsheet with automated category totals, budget vs. actual comparisons, and a bill tracker. Works in Google Sheets and Excel with formulas that don't break when you add rows.
Free budget templates look great until you insert a row and every formula breaks. SaaS budgeting apps charge $10–$15 every month for features you don't use. This monthly budget spreadsheet solves both problems: one-time purchase, formulas that use full-column references so they never break.
Track your income, expenses, and bills in one place. See your savings rate at a glance. Start a new month in 30 seconds.
Monthly Budget Template is a purpose-built Google Sheets and Excel spreadsheet with a dashboard, budget planner, transaction log, and bill tracker. You enter transactions; the spreadsheet does the math. No subscription, no recurring fees, no cloud dependency.
Key Features
- Dashboard with savings rate and expense pie chart
- Budget vs. actual tracking with automatic SUMIF formulas
- Transaction log with category dropdown and income/expense tagging
- Bill tracker with paid status and payment method
- Conditional formatting: green = under budget, red = over budget
- Full-column formula references that don't break when you add rows
Get Instant Access
Instant download. Secure payment. Fix-or-replace guarantee.
What's Inside
Five tabs that work together: a dashboard, a budget planner, a transaction log, a bill tracker, and instructions. All formulas use full-column references so they don't break when you add rows. No macros — works in Excel, Google Sheets, and LibreOffice.
- Dashboard — total income, total expenses, remaining, savings rate, and pie chart of expenses by category
- Budget — income and expense categories with budgeted vs. actual tracking and automatic difference calculation
- Transactions — log every transaction with category dropdown and automatic budget updates via SUMIF
- Bill Tracker — bill names, amounts, due dates, paid status, and payment methods with running totals
- Instructions — step-by-step guide for beginners including how to start a new month easily
What This Tool Does NOT Do
- No bank syncing — you enter transactions manually for full control and privacy.
- No investment tracking — this is for monthly cash flow, not portfolio management.
- No multi-month trends — use the Annual Budget Template for year-over-year views.
- No macros — works in Excel, Google Sheets, and LibreOffice Calc with no add-ons.
✓ All formulas unlocked and visible. Zero macros. Compatible with Excel 2016+, Google Sheets, and LibreOffice Calc.
If your tool doesn't work as described, we'll fix it or replace it free.
Frequently Asked Questions
How do I create a budget spreadsheet in Google Sheets?
Upload the .xlsx file to Google Drive, right-click and open with Google Sheets. Enter your income and expense categories on the Budget tab, then log transactions on the Transactions tab. All formulas work natively.
What is the best monthly budget template for Google Sheets?
The best template tracks income and expenses by category, shows budget versus actual side by side, and includes a bill tracker. This template does all three with formulas that don't break when you add rows.
How do I set up a simple monthly budget in Excel?
Open the template, enter your month, fill in your income and expense categories with budgeted amounts, then log transactions as they happen. The Actual column updates automatically using SUMIF formulas.
Can I use this budget template for zero-based budgeting?
Yes. Enter every dollar of income as a line item, then assign all of it to expense categories including savings. The Difference column shows whether each category is over or under your allocation.
Does this budget spreadsheet work on mobile?
How do I start a new month in this budget template?
Right-click the Budget tab, select Duplicate, rename it to the new month, then clear the Budgeted and Actual columns. Copy the Transactions tab too and clear it. Formulas use full-column references so they won't break.
Is this a 50/30/20 budget template?
You can use it for 50/30/20 budgeting by creating three main category groups: Needs (50%), Wants (30%), and Savings (20%). The template is flexible enough for any budgeting method.
Does this work on Mac?
Yes! All our tools are .xlsx files that open in Excel for Mac, Google Sheets, LibreOffice, and Numbers. No Windows-only features or macros are used.
Is this a one-time purchase?
Yes! Pay once, download immediately, and it's yours forever. No subscriptions, no recurring charges, no hidden fees.
Can I customize the tools?
Yes! All cells are unlocked and editable. Add your own categories, change formulas, rename tabs — make it yours. (Just don't resell or redistribute.)
What's your refund policy?
Fix-or-replace guarantee. If the tool doesn't work as described or the file is corrupted, email adelerocks80@gmail.com for a replacement or fix — we'll make it right.
Last updated: October 2, 2026