Free Budget Tracker

A real budget tracker that is effective -- not a glorified list with no formulas. And it's free. Most free budget templates are either too basic to be useful or too complex to bother with. This one hits the sweet spot: 4 tabs, 88 formulas, and a visual spending summary that shows you exactly where your money goes -- in under 5 minutes to set up. What's inside: Monthly Budget with 14 expense categories and income tracking -- formulas are pre-built Spending Summary with pie chart breakdown and 50/30/20 analysis (Needs/Wants/Savings) Top overspend alerts that flag the 3 categories where you're bleeding the most money Savings Goals tracker for up to 3 goals with visual progress bars and monthly targets Savings rate calculator so you know your actual savings percentage Who it's for: Anyone who wants to see where their money goes without installing an app or paying for software. Works in Google Sheets, Excel 2016+, and LibreOffice Calc. 4 tabs. 88 formulas. Zero cost. Start tracking in 5 minutes. How it works: Download and open -- works in Google Sheets, Excel, or LibreOffice. No setup wizard, no account required. Enter your income and expenses -- fill in your numbers across 14 categories. Every formula is already built in. Read your summary -- the Spending Summary tab shows your 50/30/20 split, your savings rate, and the 3 categories eating the most budget. Includes 3 editions: Standard (guided input), Example (read-only showcase), and Creator Edition (fully unlocked). Plus UK editions with GBP currency, DD/MM/YYYY dates, and British spelling. Want more? Upgrade to the Budget Dashboard 2026 ($7.99) for 12-month tracking, debt payoff calculator, net worth tracker, and guided 50/30/20 framework setup. Questions? Email hello@boredtools.store -- we respond within 24 hours. Made by BoredTools