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The Budget Planner spreadsheet for Excel and Google Sheets, with monthly budget vs actual, bills and an expense tracker. A preview shows the dashboard with income, spent, saved and left over, bills to pay, charts and categories over budget.

Monthly Budget Spreadsheet for Excel & Google Sheets

A budget works when it is easy to keep up. The Budget Planner gives you a monthly budget for each category, a place to type your income and payments as they happen, and a list of recurring bills you can tick when they are paid.

For every month you see budget against actual, what is left and which categories went over. The Dashboard puts income, spending, saving and what is left over in one view, and the Summary tab shows the whole year month by month.

It is a digital download for Excel and Google Sheets, made for individuals and households.

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Digital download. Works in Excel and Google Sheets. Nothing is shipped.

What this spreadsheet tracks

Up to 30 categories in 4 groups: Income, Needs, Wants, and Savings & Debt
A monthly budget per category, with optional amounts for single months
Up to 2,000 transactions a year: date, description, category and amount
Up to 40 recurring bills with due day, and a status: paid, due in 7 days, overdue or upcoming
Budget, actual, difference and percent of budget for every category
A dashboard with 8 tiles and 4 charts, and a yearly summary

Who it's for

Individuals and households who want a clear monthly budget
People who prefer a spreadsheet to a budgeting app
Anyone who wants to see budget against actual for the whole year

How it works

Choose the year on Start Here and rename the ready-made categories if you like.
Set a monthly budget for each category.
Add income and payments on the Transactions tab, and tick bills on the Bills tab.
Check the Monthly tab and the Dashboard to see where you stand.

See inside

Budget dashboard with 8 summary tiles (income, spent, saved and debt, left over, savings rate, over budget, bills to pay and data warnings), charts by month and category, and tables of categories over budget and bills to pay.

Transactions tab with one row per payment or income: date, description, category from a dropdown and amount. Each row is checked and tagged with its month and group, and every total updates by itself.

Budget tab with ready-made categories in four groups (Income, Needs, Wants and Savings and Debt), a monthly budget for each category and optional amounts for single months, with the year budget calculated.

Monthly tab showing budget, actual, difference, percent of budget and status for every category in the month you choose, with totals for income, spent, saved and left over.

Bills tab with recurring bills, due day, amount and a paid mark for each month, plus the due date and a status for this month: paid, due in 7 days, overdue or upcoming.

Summary tab with every category month by month for the whole year, year actual, year budget and what is left in the budget, plus income, spent, saved, left over and savings rate for each month.

List of the 7 tabs included in The Budget Planner and three steps: download, set your budget, then add your transactions. Budgeting tool, no macros, no subscription, digital download.

Frequently asked questions

Does it work in Excel and Google Sheets?

Yes. You get an Excel workbook and a PDF guide with a link to make your own copy in Google Sheets. The two versions are separate files and do not sync.

Does it connect to my bank?

No. You type your transactions in yourself. It does not connect to any bank or app, so your data stays in your own file.

Is this financial advice?

No. It is a tracking tool. Results depend only on the numbers you enter.

Is there an example file?

Yes. A second Excel file is filled with example data for a year of budget, bills and transactions, so you can see how everything works before using your own numbers.

Read the guide

A clean white desk with a notebook and pen next to an open laptop showing a monthly budget dashboard with charts and spending categories.

How to Make a Monthly Budget in a Spreadsheet (Step by Step)A seven-step way to plan your month, with an example budget table and the formulas that compare planned and actual spending.

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