Simple Budgeting Template

If you’ve ever said “I need to budget” but never actually stuck to one… this is for you.

This beginner-friendly template comes with built-in automations that do the tracking for you. No confusing formulas. No spreadsheet stress. You just plug in your numbers… and it shows you exactly where your money is going while keeping you on track month after month.

You’ll be able to:

✨ See where your money is actually going

📊 Get a visual snapshot of your progress each month

📱 Update it easily from your laptop or your phone, anytime (you just need a Google Account to access!)

Designed for anyone who’s ready to get a little more serious about their personal finances — without making it overwhelming.

📥 Download & Setup Instructions

Best experience: This budget works best in Google Sheets.

We strongly recommend opening it with a Google account (free to create) so you can edit, save, and access it across devices.

While you can access and update your budget from your phone, we recommend doing your initial setup on a laptop or desktop for the smoothest experience and best visibility.

You will receive a view-only link. To use the budget for yourself, you must make your own copy.

✅ How to make your own editable copy

Open the view-only Google Sheets link you received.

Click File in the top left corner.

Select Make a copy.

Choose where you’d like to save it in your Google Drive.

Rename it (e.g. My 2026 Budget).

Click Make a copy.

That’s it! 🎉 You now have your own fully editable version.

📱 Using it on your phone

Download the Google Sheets app.

Log into the same Google account.

Your copied budget will be there for quick updates on the go.

⚠️ Important notes

Please don’t request edit access to the original file — it’s a master template.

If you don’t make a copy, you won’t be able to enter your own numbers.

Once your copy is saved, you’re ready to start budgeting

Important Disclaimer & Terms of Use

By purchasing and downloading this budgeting template, you agree to the following terms:

No refunds

Due to the digital nature of this product, all sales are final. No refunds, returns, or exchanges will be provided once the file has been accessed.

Intended use

This template is designed for personal budgeting and educational purposes only. It is a tool to assist with tracking spending and building better financial habits. It does not constitute financial, legal, or professional advice.

Compatibility

This template is designed specifically for use in Google Sheets. While the file may open in other spreadsheet programs (such as Excel or Numbers), full functionality, automations, and formatting are only guaranteed when used within Google Sheets and with a Google account.

Customisation

You may customise this template for your personal use. However, modifying formulas, layouts, or sheet structures may affect how the calculations and automations function.

Limitation of liability

The creator of this template is not responsible for any errors, losses, or outcomes that may result from the use or misuse of this spreadsheet. Users are responsible for how they input, interpret, and manage their own data.

Personal use only

This template is licensed for individual use only. It may not be copied, shared, distributed, resold, or reproduced in any form.