Free Monthly Budget Spreadsheet (Lite) – Excel & Google Sheets

A free, simple monthly budget: plan what you expect to earn and spend, fill in what actually happened, and see what's left.

What's in it (monthly-budget-lite.xlsx, free)

- Budget sheet: 4 income lines and 12 expense categories (rent, utilities, groceries, transportation, insurance, phone & internet, debt payments, savings, dining out, personal & household, entertainment, miscellaneous), each with Planned and Actual columns. You can rename the categories.

- Totals for income and expenses, plus Left to spend (income minus expenses), planned and actual.

- A Difference column that turns green when you're on or better than plan and red when you're behind.

- A "Get the full version" tab listing what the paid budget templates add.

Example numbers are filled in so you can see how it works. Type over them with your own.

It's free. Payhip asks for your email address to send the download (price $0).

Works in Excel and Google Sheets (upload the .xlsx to Google Drive, then File > Save as Google Sheets). No macros, scripts or add-ons.

Want more?

- Monthly Budget & Debt Payoff Planner ($9): your own categories (up to 39), a transactions log (up to 1,999 rows), a budget dashboard for any month with savings rate and a chart, a snowball/avalanche debt payoff plan for up to 15 debts with a 360-month schedule, and savings goals: https://payhip.com/b/Is04a

- Personal Finance Bundle ($22, $29 if bought separately): the planner above plus a Biweekly Paycheck Budget, Savings Challenge Tracker, Subscription Tracker and Freelancer Income, Expense & Tax Tracker: https://payhip.com/b/jhoZ7

Instant download: you get the file right after checkout.

Questions? hirelinetemplates@mail.grokbot.com