Monthly Budget Starter — Free Budget Spreadsheet for Excel and Google Sheets

Most budgets fail because they ask for too much. This one asks for one month.

Type your income, your bills, and what you actually spent. Everything totals itself, and one number at the bottom tells you whether the month worked. No accounts to link, no app to learn, nothing to cancel later.

What you get, free:

• Excel spreadsheet with the formulas already built in
• Google Sheets ready — upload to Drive, open, done (Google Sheets is free)
• Printable PDF in US Letter and A4, if you’d rather use a pen
• Start Here guide with a colour legend and four habits that make budgets stick

How it works: you only ever type in the yellow cells. Tan cells calculate themselves. Fill in “Planned” at the start of the month and “Actual” as you go — the gap between them is where the useful information lives.

Why it’s free: it’s the honest sample of what Kit & Quill makes. If it helps, the full kits carry the same idea across a whole year — savings goals, sinking funds, a real debt-free date, and net worth over time.

You’ll get the download link by email, plus the occasional note when we publish something new. One click unsubscribes, and we never share your address.

This is an organising tool, not financial advice.