Monthly Budget Spreadsheet for Excel & Google Sheets – Smart Budget Tracker with Charts

A monthly budget spreadsheet that tracks your spending against your budget automatically, for individuals and households. No app, no subscription, no ads.

What's inside (8 sheets):

• Transactions: log an expense, income or transfer in seconds. Category dropdowns adapt to the transaction type.
• Monthly Budget: budget vs actual for every category. Turns yellow at 80% and red when you overspend.
• Annual Summary: income, expenses, net savings and savings rate for all 12 months, with charts.
• Accounts: live balance for every account (cash, checking, savings, credit card, PayPal).
• Savings Goals: progress bars and how much to save per month to hit each goal.
• Subscriptions: every recurring bill converted to monthly and yearly cost, so you can spot what to cancel.
• Settings: your own categories, budgets, accounts and household members.

Works in Excel 2016+ (Windows and Mac), Excel mobile, WPS and LibreOffice. Google Sheets supports most features (the dependent category dropdowns may need re-creating).

Sample data included so you can see it working. Delete it and start your own budget.

What you get: 1 × .xlsx file (8 sheets). Instant download.

License: personal and household use. Please don't resell.

Limited time: code MINI30 = 30% off until Oct 31, 2026.