Family Budget Planner Spreadsheet | Budget vs Actual, Variance & Savings Rate | Excel & Google Sheets | Monthly + Year to Date
One family budget showing where every euro, pound or dollar went, plus a savings rate that updates itself.
Plan your household budget once, then log what you actually earn and spend each month. Up to 50 income and spending lines sit in 12 groups (housing, bills, food, transport, children, savings and more). Pick a month on the dashboard to see income, spending, savings, money left over and your savings rate, budget against actual, for that month and for the year to date. A monthly review sheet shows the variance for every category in green or red, and two charts show where the money goes. Yellow cells are for your inputs and formulas are locked so nothing breaks. The example family data clears easily. It works in any currency.
Created with AI assistance and checked with automated formula tests. Not financial advice; for general information and planning only. It is not debt, investment, pension or tax advice, and no saving, payoff, return or retirement result is guaranteed. Results are estimates based on your own inputs. Assumed growth and withdrawal rates are editable and illustrative. Investments can fall as well as rise.
Fernbrook Guides is not affiliated with or endorsed by Microsoft (Excel), Google (Sheets) or LibreOffice; the names are used for information only.
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