Simple Monthly Budget & Bill Tracker (Google Sheets + Excel)

Know where your money goes each month, with no app, subscription or bank login.

Set your income and up to 20 spending categories once, then log purchases as you go. The dashboard shows income received, what you've spent, what's left to spend and your savings rate, plus budget vs. actual for every category with progress bars and a chart. A Needs / Wants / Savings split compares your plan to the popular 50/30/20 guideline.

The Bills tab tracks due days and autopay, and each bill shows Paid, Due soon or Overdue automatically. The Savings Goals tab works out how much to save each month to reach each goal on time.

What's included:

- Start Here: simple setup steps

- Setup: budget month, income sources, 20 categories grouped Needs / Wants / Savings

- Transactions: 400 rows with category and type dropdowns

- Dashboard: summary cards, budget vs. actual with progress bars, 50/30/20 split, chart

- Bills: due day, autopay, Paid toggle, automatic status colors

- Savings Goals: target, date, progress bar, monthly amount needed

- One .xlsx file that opens in Google Sheets (free), Excel and LibreOffice. No macros.

How you get it: Instant digital download. Nothing physical will be shipped. Personal use only. Please don't share or resell the files.

Designed by Wood Between Studio with the help of AI tools. Every file was checked page by page for accuracy and quality before listing.