Free Budget Tracker

Free. Works in Google Sheets and Excel. No email required, no paywall.

This is a clean monthly budget with 14 categories, a running total, and a 50/30/20 split (Needs, Wants, Savings) auto-calculated from your entries. The top three categories where you overspent each month flag up at the top of the sheet.

What you get

Monthly income and expense tracking. One row per transaction.

14 pre-set categories you can rename to match your life. Housing, food, transport, subscriptions, the usual suspects.

Automated totals. No formulas to build. Type the number, the sheet does the rest.

50/30/20 analysis. Auto-calculates whether you're hitting the classic Needs/Wants/Savings split. Useful as a baseline even if you don't follow it strictly.

Top overspend alerts. The three categories where you blew the budget worst that month show at the top of the dashboard.

US and UK editions included. Dollars or pounds, your choice.

Works on desktop, laptop, and mobile (Google Sheets app).

Why free

Because the people who need a budget the most can't always pay £10 a month for a fintech app. This sheet handles 80% of what YNAB does and costs £0.

If you want more (net worth tracking, debt payoff calculator, savings goals, couples mode, etc.) the paid Budget Dashboard 2026 is £7.99.

Questions? Email hello@boredtools.store