Free Monthly Budget Spreadsheet | Simple Budget Template for Google Sheets & Excel

Want to know where your money goes this month, without a complicated system? This free spreadsheet gives you one clean page. Plan the month, type in what you really spend, and see what's left at the end.

Enter your take-home pay, your fixed bills, your everyday spending and what you want to save. The sheet does the math: totals for each section, how far you're under or over on each line, and your remaining balance. A simple status line tells you if you're over budget, what your biggest overspend was and what percent of your pay went to savings.

What's inside (4 tabs):

- Start Here: 6 quick steps (about 10 minutes) and how to read the sheet.

- My Budget: your blank budget, ready to fill in. Category names (Rent, Groceries, Gas and more) are already there, so you just type amounts:

- Income (5 lines), Fixed expenses (12), Variable expenses (12) and Savings (5)

- Planned, Actual, under/over and % used for every category, with overspending highlighted in red

- A summary with your remaining balance, a "plan check" for zero-based budgeting, your biggest overspend, your savings rate and a small planned vs. actual chart

- Example (Jordan): the same sheet filled in with a made-up month, so you can see what a finished budget looks like

- Want More: our full-year, dashboard, sinking funds and debt payoff templates, if you outgrow the free one.

Made for:

- First-time budgeters who want something simple that works on day one

- Zero-based / "every dollar a job" budgeters who want a quick monthly plan

- Anyone who is tired of budget apps and wants a private spreadsheet that doesn't connect to the bank

Details:

- Works in Microsoft Excel (desktop & web) and Google Sheets (upload to Google Drive, then Open with → Google Sheets)

- No macros, add-ons or bank connections

- Starts blank: your 'My Budget' tab is empty and ready for your numbers, with a filled-in example tab next to it for reference

- Covers one month. For a new month, duplicate your My Budget tab

- Instant digital download (1 .xlsx file), free. Just enter your email

Please note: this is a digital file, so nothing will be mailed to you. It's an organizing tool, not financial advice. Apple Numbers and LibreOffice will open it, but it's built for Excel and Google Sheets. By downloading you'll get occasional emails from Santos Template Co with budgeting tips and new templates. Unsubscribe anytime.