excel budget presentation templates

Top Excel Budget Templates (Free Downloads Included!)

Table of Contents

Why Use an Excel Budget Template?

Step 1: choose the right template, step 2: set up the template, step 3: input your data, step 4: track and update regularly, step 5: analyze your finances, step 6: adjust as needed, 1. clarity and control, 2. smarter spending, 3. financial goal achievement, 4. improved savings habits, 5. reduced stress, step 1: set up your spreadsheet, step 2: format your template, step 3: use formulas for calculations, step 4: customize to your needs.

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Managing your finances effectively is crucial for achieving financial stability and reaching your financial goals. Excel budget templates are powerful tools that can help you track your income, expenses, and savings with ease. Explore our wide range of Free Excel Budget Templates is here to help! Whether you need to manage your personal finances, business budget, or plan for an event, we’ve got you covered. Choose from our variety of templates, including Annual, Business, Event, Family, Monthly, Personal, Project, Simple, Student, and Weekly Budget templates. Simplify your budgeting process and stay on top of your financial goals with our easy-to-use, customizable templates. Download your Free Excel template today and unlock a path to financial freedom!

Simple Budget Template

The simple budget template is designed for simplicity and ease of use, making it perfect for beginners. This easy budget template features a basic layout with separate sections for income and expenses, helping you manage your finances without any advanced Excel skills. By providing automatic calculations for total income, total expenses, and remaining balance, this beginner budget template allows you to gain a clear snapshot of your financial status at a glance. Ideal for individuals or small families, this basic budget Excel tool helps identify areas where you can cut back on spending.

Download Simple Budget Template

Download Simple Excel Budget Template

• Basic layout with separate income and expense sections.
• Automatic calculation of total income, total expenses, and remaining balance.
• Customizable categories for different types of expenses (e.g., utilities, groceries, entertainment).
• Easy to set up and use without any advanced Excel skills.
• Provides a clear snapshot of your financial status at a glance.
• Helps identify areas where you can cut back on spending.

Usage: Ideal for individuals or small families who want a straightforward way to track their monthly finances.

Weekly Budget Template

For detailed short-term financial tracking, the weekly budget template is the perfect tool. This short-term budget planner helps you monitor your income and expenses on a weekly basis, providing a clear picture of your financial status. With customizable categories for detailed tracking and weekly summaries, this weekly expense tracker allows you to maintain consistent financial monitoring. Ideal for individuals or families, this weekly financial planning template helps you set and achieve weekly financial goals. Whether you prefer weekly budgeting or need to manage short-term finances, this detailed weekly budget template is essential.

Download Weekly Budget Tracker

Download Weekly Budget Template

• Sections for weekly income and expenses.
• Customizable categories for detailed tracking.
• Weekly summaries to monitor spending patterns.
• Helps maintain detailed short-term financial tracking.
• Provides a clear overview of weekly financial status.
• Useful for setting and achieving weekly financial goals.

Usage: Suitable for individuals or families who prefer to keep track of their finances on a weekly basis.

Monthly Budget Planner

The monthly budget planner is an excellent tool for detailed financial tracking on a monthly basis. This monthly expense tracker features separate sections for income, expenses, and savings, along with graphical representations of spending categories to help you visualize where your money goes. With a monthly summary that compares total income and expenses to previous months, this Excel monthly budget template helps you maintain consistent financial tracking. Suitable for anyone looking to monitor their spending and savings month by month, this budget spreadsheet is a must-have for monthly financial planning.

Download Monthly Budget Free Template

Download Monthly Budget Plan Template

• Separate sections for income, expenses, and savings.
• Graphical representations of spending categories to visualize where your money goes.
• Monthly summary of total income and expenses with comparison to previous months.
• Helps maintain consistent financial tracking month over month.
• Easy to spot trends in spending and savings.
• Useful for setting and monitoring monthly financial goals.

Usage: Suitable for anyone who needs to monitor their spending and savings month by month.

Annual Budget Template

For those seeking long-term financial planning, the annual budget template is the perfect tool. This yearly budget planner offers a comprehensive view of your income and expenses over an entire year. With monthly breakdowns for detailed tracking and forecasting features for future planning, this long-term budget Excel template helps you set and achieve annual financial goals. Ideal for identifying yearly financial trends and patterns, this yearly expense tracker provides a clear overview of your financial status. This annual financial planning template is essential for anyone looking to manage their finances over a longer period.

Download Yearly Budget  Planner

Download Yearly Budget Plan Template

• Comprehensive annual view of income and expenses.
• Monthly breakdowns for detailed tracking.
• Forecasting features for future planning.
• Allows for long-term financial planning and tracking.
• Helps identify yearly financial trends and patterns.
• Useful for setting annual financial goals and budgets.

Usage: Best for those who want to keep an eye on their finances over the course of a year, including recurring expenses and long-term savings goals.

Personal Budget Template

The personal budget template is a customizable tool designed to fit your unique financial situation. This individual budget planner provides detailed sections for various types of income and expenses, allowing for personalized financial management. With monthly and yearly summary sheets, this personal expense tracker helps maintain a detailed record of your finances. By offering customization based on individual financial goals and needs, this detailed budget template provides a clear overview of your financial status. Perfect for anyone looking to manage their personal income, expenses, and savings goals efficiently.

Download Personal Budget Excel Template

Download Personal Budget Template

• Detailed sections for different types of income and expenses.
• Customizable categories to fit personal needs.
• Monthly and yearly summary sheets.
• Helps maintain a detailed record of your personal finances.
• Allows for customization based on individual financial goals and needs.
• Provides a clear overview of monthly and yearly financial status.

Usage: Perfect for individuals who want to keep track of their own income, expenses, and savings goals.

Family Budget Template

The family budget template is tailored to help households manage their shared finances effectively. This household budget planner includes special categories for family-related expenses such as childcare and groceries, making it an ideal tool for family financial planning. With sections for household income and expenses, this family expense tracker provides a clear overview of the family’s financial status. Graphical summaries help visualize spending patterns, making it easier to set and achieve family financial goals. This shared budget Excel template is perfect for families looking to manage their finances collectively.

Download Free Family Budget Tracker

Download Family Budget Template

• Sections for household income and expenses.
• Special categories for family-related expenses (e.g., childcare, groceries).
• Graphical summaries to visualize spending patterns.
• Helps families manage and track shared expenses.
• Provides a clear overview of household financial status.
• Useful for setting and achieving family financial goals.

Usage: Ideal for families looking to manage their finances collectively and ensure all household expenses are covered.

Student Budget Template

The student budget template is specifically designed to help students manage their limited finances effectively. This budget template for students includes sections for student income, such as part-time jobs and allowances, and expenses like tuition and books. With customizable categories, this student expense tracker fits the unique needs of students. Monthly summaries help track spending and savings, making this student financial planning template an excellent tool for maintaining a clear overview of financial status. Perfect for students, this customizable student budget template helps manage finances and stay within budget.

Download Student Budget Manager

Download Student Budget Template

• Sections for student income (e.g., part-time jobs, allowances) and expenses (e.g., tuition, books).
• Customizable categories to fit student needs.
• Monthly summaries to track spending and savings.
• Helps students manage and track their limited finances.
• Provides a clear overview of student financial status.
• Useful for setting and achieving student financial goals.

Usage: Perfect for students who need to manage their finances and stay within their budget.

Event Budget Template

Planning and managing the finances of events is made easy with the event budget template. This customizable event budget template is suitable for various types of events, ensuring you stay within your budget for any occasion. Detailed sections for event-related income and expenses, along with customizable categories, make this event expense tracker an essential tool for event financial planning. By providing summary sections to monitor your budget, this budget template for events helps you efficiently manage event-specific expenses. Ideal for weddings, corporate gatherings, and other events.

Download Event Budget Planner

Download Event Budget Template

• Detailed sections for event-related income and expenses.
• Customizable categories for different types of events.
• Summary sections to ensure you stay within your budget.
• Helps manage event-specific expenses efficiently.
• Provides a clear overview of event finances.
• Useful for staying within budget for various types of events.

Usage: Great for anyone planning an event, from weddings to corporate gatherings, to keep track of all related expenses.

Project Budget Template

The project budget template is designed to help manage the financial aspects of projects, big or small. This customizable project budget template includes sections for project income and expenses, ensuring your project stays on budget. With tracking and summary features, this project expense tracker provides a clear overview of project costs. Ideal for project managers or freelancers, this project financial planning template helps keep a close eye on project-specific finances. Whether you are handling a small project or a large initiative, this budget template for projects is an invaluable tool.

Download Project Budget Manager

Download Project Budget Template Excel

• Sections for project income and expenses.
• Customizable to fit different types of projects.
• Tracking and summary features to monitor project budget.
• Helps manage project-specific finances efficiently.
• Provides a clear overview of project costs.
• Useful for ensuring projects stay within budget.

Usage: Ideal for project managers or freelancers who need to keep a close eye on project costs.

Business Budget Template

Designed specifically for small businesses, the business budget template helps manage business finances effectively. This small business budget planner includes sections for business income, expenses, and profits, making it an excellent tool for business financial planning. Customizable to fit various business needs, this business expense tracker provides detailed financial summaries and forecasts. Ideal for small business owners, this budget template for businesses offers a comprehensive view of the business’s financial status. With this tool, managing and tracking business finances becomes efficient and straightforward.

Download Business Budget Template

• Sections for business income, expenses, and profits.
• Customizable to fit various business needs.
• Detailed financial summaries and forecasts.
• Helps manage and track business finances efficiently.
• Provides a clear overview of business financial status.
• Useful for setting and achieving business financial goals.

Usage: Best for small business owners who need a comprehensive tool to manage their business finances.

Using an Excel budget template can make managing your finances much simpler and more efficient. Whether you’re an individual, a family, a student, or a business owner, there’s a template out there that can meet your needs. Download one of these top templates and start taking control of your finances today!

Imagine navigating a road trip without a map. Budgeting is similar. Without a clear plan, your finances become a confusing, potentially expensive journey. A budget template acts as your GPS, providing structure and direction. Excel budget templates offer numerous advantages for managing your finances:

• Ease of Use: Excel’s user-friendly interface makes it easy to input and organize financial data.
• Customization: Templates can be tailored to fit your unique financial situation.
• Automation: Excel’s formulas and functions automate calculations, saving time and reducing errors.
• Visualization: Charts and graphs help visualize your financial data, making it easier to identify trends and make informed decisions.
• Accessibility: Excel is widely available and compatible with various devices, allowing you to access your budget anytime, anywhere.
• Formulas Save Time: Automate calculations for a faster and more accurate budgeting experience.
• Data Visualization: Charts and graphs make your spending trends clear and easy to understand.
• Organization Powerhouse: Excel keeps your finances neatly organized in one place.

How to Use Excel Budget Templates

Using Excel budget templates can significantly simplify the process of managing your finances. Whether you’re tracking personal expenses, planning an event, or managing a business, these templates provide a structured way to monitor income and expenses. Here’s a step-by-step guide on how to use Excel budget templates effectively:

Identify Your Needs: Determine what type of budgeting you need (e.g., personal, family, event, business). Download the Template: Visit a trusted source like Microsoft Office Templates or a reputable financial website to download the template that suits your needs.

Open the Template: Open the downloaded Excel budget template on your computer. Customize Categories: Adjust the income and expense categories to match your specific financial situation. Most templates allow you to add, remove, or rename categories.

Enter Income: Start by entering all your income sources. This could include salary, freelance work, investments, or any other sources of income. List Expenses: Input your expenses in the corresponding categories. Be as detailed as possible, including both fixed expenses (rent, utilities) and variable expenses (groceries, entertainment).

Monitor Regularly: Make it a habit to update the template regularly with new income and expenses. This could be done daily, weekly, or monthly, depending on your preference. Review Summaries: Use the summary sections to review your financial status. Look at the total income, total expenses, and the remaining balance to understand your financial health.

Identify Trends: Use the graphical representations and summary sections to identify spending patterns and trends. This can help you make informed decisions about where to cut costs or how to allocate more funds to savings. Set Goals: Based on your analysis, set realistic financial goals. This could be saving a certain amount each month, reducing discretionary spending, or planning for a major purchase.

Modify Categories: If you find that your categories are too broad or too narrow, adjust them to better reflect your financial activities. Revisit Goals: Regularly revisit your financial goals and adjust them based on your current financial situation. If you achieve a goal, set a new one to keep yourself motivated.

Importance of Budgeting

Budgeting is a crucial aspect of financial management that can significantly impact your financial well-being. It involves planning and tracking your income and expenses to ensure you are living within your means and working towards your financial goals. Here are some key reasons why budgeting is essential:

Gain Insight: Budgeting gives you a clear picture of where your money is going. It clarifies your income and expenses, giving you control over your money. By tracking your expenses and income, you can see exactly how much you are spending and on what, allowing you to make informed financial decisions.

Avoid Overspending: A budget helps you avoid overspending by keeping your expenses in check. By setting limits for different categories, you can prevent unnecessary expenditures and ensure you have enough funds for essential needs.

Prioritize Needs Over Wants: With a budget, you can prioritize your needs over wants. This helps curb impulse purchases and avoid unnecessary debt. By allocating funds to essential expenses first, you can ensure that your basic needs are met before spending on discretionary items.

Avoid Debt: Budgeting helps you live within your means, reducing the likelihood of relying on credit cards or loans for day-to-day expenses. This proactive approach prevents the accumulation of new debt and promotes long-term financial stability.

Set and Reach Goals: Whether you’re saving for a vacation, a new car, a home, or retirement, a budget helps you set realistic financial goals and create a plan to achieve them. It helps you track progress towards these goals, ensuring you make steady progress.

Emergency Fund: Budgeting helps you build an emergency fund, providing a financial cushion for unexpected expenses like medical bills, car repairs, or job loss. Having this safety net can reduce stress and prevent you from falling into debt.

Consistent Savings: Budgeting enables you to set aside money regularly for savings. A budget ensures consistent allocation towards your savings goals. By treating savings as a fixed expense, you can ensure consistent contributions to your savings account, helping you build wealth over time.

Long-term Planning: A budget helps you plan for long-term financial goals such as retirement, education, or major purchases. It allows you to allocate funds strategically and work towards these goals systematically.

Peace of Mind: Knowing that you have a plan for your finances can significantly reduce financial stress. A budget provides clarity and structure, helping you feel more in control of your financial situation. Knowing every penny’s purpose brings peace of mind.

Preparedness: Being prepared for both regular and unexpected expenses can alleviate anxiety. Budgeting ensures you are financially prepared for various scenarios, providing peace of mind and stability.

How to Create an Excel Budget Template

Creating an Excel budget template is straightforward. Follow these steps to build a customized template that suits your financial needs:

Open a new spreadsheet in Excel. Title your sheet “Excel Budget Template” and create the following columns:

• Date: The date of the transaction.
• Category: The type of income or expense (e.g., Salary, Groceries, Rent).
• Description: A brief description of the transaction.
• Budgeted Amount: The planned amount for each category.
• Actual Amount: The actual amount spent or received.
• Difference: The difference between the budgeted and actual amounts.
• Notes: Any additional notes or comments.

• Difference: =D2-E2
• Total Income: = SUM (D2:Dn) for all income rows
• Total Expenses: =SUM(E2:En) for all expense rows
• Net Total: =Total Income – Total Expenses

Adjust the categories and descriptions based on your financial situation. Add any specific items or recurring expenses that are unique to your budget.

Tips for Effective Budgeting with Excel

• Be Consistent: Update your budget regularly to ensure accuracy.
• Review Regularly: Analyze your budget at the end of each month to identify trends.
• Adjust as Needed: Modify your budget based on actual expenses and income.
• Use Conditional Formatting: Highlight important data and trends with Excel’s conditional formatting features.
• Backup Your Data: Regularly save and backup your Excel files to prevent data loss.

Using an Excel budget template is a powerful way to take control of your finances. With the ability to customize, automate, and visualize your financial data, Excel makes budgeting easier and more effective. Download our free templates above and start managing your finances today.

Recommended articles:

• ProjectManager.com: How to Make a Project Budget?
• Income and Expenses Tracking Templates : Check our templates for tracking Income and Expenses
• Smartsheet.com: Free Budget Templates

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You can get the unlocked versions of our templates here: Analysistabs .org

WOW! Fantastic budget template! It’s very user-friendly. Made managing my finances much simpler. Highly recommend to anyone looking for an efficient budgeting solution.

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This Excel Budget Template is a game-changer! Super intuitive and helpful for financial management

Thank you so much for your kind words! I’m thrilled to hear that the Excel Budget Template has been so helpful for your financial management. If there are any specific features you particularly enjoy or if there’s anything else you’d like to see in future templates, please let me know. Your feedback is invaluable!

Just what I needed! This budget template simplifies complex financial tasks. Great job!

Thanks for the kind words! I’m glad the template is helpful. Let me know if there’s anything else you need!

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7 Free Excel Spreadsheet Templates for Budgeting

Bookkeeping is crucial. Whether you are a housemaker or a business owner, keeping a budget is essential to meet your financial goals.

Some people create budgets in their minds, while others get them down on paper. Why not try another way?

Excel budget templates offer a quick way of budgeting. They provide the outline and you only need to fill in the cells.

You can choose any Excel template and use it to track expenses.

To help you make the right choice, we have listed the seven best free Excel budget templates for you. Let’s review them in detail below 😃

Table of Contents

Project Budget

Personal monthly budget, balance sheet, family budget planner, portfolio tracker, customizable 401k calculator, cash flow tracker.

A project manager is responsible for utilizing the funds of a project efficiently. In any business, funds make the backbone of the project.

If the manager is unable to manage the expenses properly, he may put the hard work of the entire team at stake 😕

To this effect, we suggest getting the Excel  Project Budget template . It has helped hundreds of people execute their dream projects successfully and can help you too.

This free budget template will get you through all small and mid-level projects. You can use it for contract work, home renovation, office remodeling, etc.

It shows the actual costs and planned budget. You can use it to see if your expenses are within the budget and, if not, how you can improve them.

All in all, this is great for small tasks that are not as detail-oriented. But if you have bigger projects, it is better you get the paid version of this spreadsheet template.

Having a personal budget that keeps you on track with your savings goals is essential. You need to know where all your money is going and if these expenses are necessary.

You can use the Excel  Personal budget template  for this purpose. It will help you manage your monthly expenses. And you can add multiple sources of income apart from monthly income if any.

It also allows you to set monthly goals and helps you save money accordingly. You can separate fixed costs and see your actual spending. It includes budget categories like housing costs, travel expenses, entertainment, taxes, and others.

All you need to do is add your income and expenses, and this free budget template will do all the calculations for you 😉

Its primary purpose is to compare your budget with your actual costs on a monthly basis. For that, it records your projected and actual expenses.

It will instantly show you the difference and if you were able to meet your set goal. You can always start again and do better.

Being a business owner, you need to be well aware of all your assets and liabilities. An active reminder of how much money you have and how much you need to pay off is important.

It helps keep your mind straight and know the financial health of your company in a better manner. Only then can you make informed decisions and investments.

It will also tell you where to cut down money so you can perform adequate money management and add more to your equity.

You can use the Excel Balance Sheet template for this purpose. It is very easy to use and contains simple terms that even a layman can understand. Moreover, the template is easily customizable, and you can change it in whichever way you want 🎨

You can use this template to summarize your finances. And identify areas that are causing a deficit in your budget.

This balance sheet can also help you determine your net worth at a point in time. It is automatically calculated for you under the owner’s equity portion.

At the bottom of the sheet, you can find the common financial ratios. These include debt ratio, working capital, and 0ther information.

Having a household budget template is very important when you have a family. Household expenses keep on increasing, especially with kids.

To maintain them, you need to have a Family Budget Planner. It will tell you exactly where all the money is going and what you can do to save it.

You can use the Vertex42 Family Budget template . It will help you keep track of your money based on income and expenses for each month 🗓️

It can also work as a yearly planner and allow you to see the bigger picture. The family budget template can be really helpful in planning major life events beforehand.

For example, if you want to buy a house after two years, you need to start saving for it today. You will have to set a goal, for instance, $10,000. Per your income and monthly expenses, you will know where to cut down and add more money to meet your goal.

The best part of this template is its easy-to-use interface. The design is clear, and you can easily understand where to make changes. The template will automatically calculate and update the remaining expenses.

It contains different expense categories like Home Expenses, Daily Living, Children, and others.

If you are a shareholder, you need to have this budget template. It will help you actively keep track of your investments and shares. You can use it to see your transaction history, and your dividends or simply evaluate your equity 💲

The Portfolio Tracker can be of great help in this instance. Whether you are an active trader or prefer being a passive investor, bookkeeping is important to know your financial status.

You can use the Simple Investment Tracker for this purpose. It will readily give you an estimate of your total cost of accounts. It also shows the gain or loss per the market value and you can compare it with previous performance.

You can also check your Average Entry Price compared to the Current Costs and see if you are making enough profit. Moreover, it offers an easy way to compare investment value with market value and visualize the difference.

This budget template will offer comprehensive insights into your investment accounts. It is designed for people who want to quickly view their investments and their profit.

It only shows your investment, its details, and its current value. A disadvantage is that it doesn’t go into the details of everything. This can be difficult to understand as some sections require a description.

Other than that, it’s great for keeping track of your investments.

Having a strong financial status at the time of retirement is a dream of many. But only so many people are able to achieve it.

The key difference is planning and proper budgeting. You need to set a goal or a fixed amount of money that you need to save up before your retirement approaches.

Most people mindlessly put money in their 401k. To get your retirement plan on track, you need to invest money actively. It helps you make wise and informed decisions, and you can use your investments in a better way.

To help with that, you can use the free Customizable 401k Calculator Template . It is all you need to get your retirement plan on track. The interface of this template is simple, and it gives instant results on your entered values 🤓

Add your current annual income, your employer’s contribution, and your expected salary increment. Also, add your withheld salary, current age and the age you plan to retire at, interest rate, and other similar things.

The template budget excel will automatically calculate all other factors. It also displays all your data on a chart for better understanding.

As the name tells, a Cash Flow Tracker helps you track your cash flows. Cashflow simply means the money that comes in (inflow) and the money that goes out (outflow).

Having a cash flow tracker is crucial regardless of whether you are an individual or a business. It can help recognize expenses, operating cash, receivables of the business, and more.

It can also hugely impact your business decisions and planning. If your outflow is greater than your inflow, you need to cut down your expenses and improvise.

This will help you decide if your pace is well-suited for upcoming projects. And make timely decisions to improve it 🤗

The spreadsheet is easy to understand, and you can customize it however you like. All this contributes to making your money-tracking experience smoother. The goal is to help perform all operations smoothly and bring maximum inflows.

Frequently asked questions

Does excel have a budget template.

Yes, Excel has a variety of budget templates. From Personal Budgets to Project Budgets to Family Budget Planners, Excel has it all.

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15 Free Excel Budget Templates to Unlock Financial Finesse

Praburam Srinivasan

Growth Marketing Manager

May 9, 2024

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Microsoft Excel has been the OG option for data-crunching, and its prowess as a money manager is incomparable.

From tech-savvy households to established businesses, everyone leverages Microsoft Excel to manage finances. It has infused financial prudence across users, one cell at a time.

With a few formulae, you can do a cost-benefit analysis to launch a new product, track income and expenses, or calculate your retirement corpus. 

The best part is you don’t always have to start from scratch. You’ll find several free budget templates where you have to key in your details to gain visibility of your financial health. We’re compiling a list of 15 such free budget templates to make your job easier.

What to Look for in Excel Budget Templates?

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Look for the following features in Excel budget templates to gauge whether they can cater to your needs:

• User-Friendly Interface : Microsoft Excel is a highly user-friendly spreadsheet editor; the template should retain these qualities. It should offer a clear and intuitive layout that makes it easy to input numbers and understand financial data  
• Specificity : Since different users have different requirements, the budget templates must match your specific requirements and applications for greater convenience
• Comprehensive : Look for a template that holistically covers all aspects of financial management. Check for financial metrics like income, expenses, savings, investments, debt, liabilities, margins, etc. that align with your requirement
• Customizability : It must offer a high degree of customization and allow users to modify categories, add or remove sections, tweak formulae as per their unique financial requirements, and more
• Automation : Look for templates with built-in formulae, functions, and macros that perform all the computation with little to no manual intervention to save time and reduce errors
• Data Visualization : Consider templates that visually represent your financial data through interactive charts and graphs to make it easier to analyze financial trends or make informed data-driven decisions
• Financial Reporting : Opt for a template that generates detailed financial reports, as it helps maintain compliance and transparency through an auditable log 
• Compatibility : Ensure that the template is compatible with the version of Microsoft Excel in use. Also, check for its compatibility with other applications, software, or devices that you may integrate it with for financial management
• Accessibility : Select a template that is readily accessible across various devices. Don’t just view it from the lens of compatibility but also check how it renders across multiple screens for ease of use
• Security : Since you’ll be storing sensitive financial data in your Excel budget templates, you want it to be safe and secure. Look for features such as encryption or password protection to safeguard your critical data from unauthorized access

Top 5 Free Excel Budget Templates for Various Uses

Now that we understand what to look for, here are five excellent Excel spreadsheet templates to help you manage your budget:

Manage your family’s finances effortlessly with this Excel Family Budget Template .

It puts you in charge of your family’s financial well-being. Simply enter your spending details in the appropriate tab of this monthly budget template and let it do its work. The family budget planner helps you track your monthly income, gain insights into your spending behavior, and keep track of your savings goals. 

Customize the categories under the Monthly Expenses tab depending on your family’s needs and spending. The Expenses Summary tab offers a detailed breakdown of your cash flow and financial goals.

The Excel Simple Monthly Budget Template places you in the driver’s seat while managing your budget.

This easy-to-use monthly budget template is designed to make budgeting a breeze. Use it to compare your monthly income to your expenses and the corresponding surplus or deficit. It grants visibility into where your money goes and how to optimize your budget to meet your goals.

Whether you manage your monthly budget or plan for the future, this tool can easily meld with your financial aspirations. Use it to make smart and informed decisions about your money.

The Excel Expense Report Template simplifies financial tracking. It is a powerful tool to track expenses and compare the budgeted costs with the actual values. Customize this expense tracker to align with your needs by adding or deleting columns or modifying the expense categories across different headers.

It offers excellent versatility, flexibility, and convenience, allowing you to monitor business expenses and personal finance. Stay on your budget and make better expense-related decisions with this free budget template.

Prioritize financial health and well-being with this Excel Personal Budget Template . It is a comprehensive tool to track your monthly expenditures and liabilities, such as travel expenses, housing loans, etc. 

This personal budget sheet automates financial calculations and grants greater control over your finances as you quickly get an overview of what you do with your money.

Whether you wish to maximize your income through savings or bridge the gap between projected costs and actual expenses, this budget template aligns with your personal financial goals.

Stay updated on your business’s finances with this Excel Budget Summary Template . 

It is a powerful tool for cost management , allowing you to track income and expenses, project revenue, and more. It has various business expense categories and a handy chart summarizing budgetary details. 

Use it to monitor your company’s financial performance and health by comparing the projected and actual spending, tracking personnel costs, and identifying areas of improvement. This business budget template streamlines financial management to make your business more profitable.

While Excel budget templates offer many benefits, they also have limitations. Here is an overview of some challenges you might face while using Excel budget templates:

• Manual Data Entry : Although a powerhouse of complex computations, Excel budget templates still require you to enter your financial data manually. Manual data entry is prone to errors and inaccuracies that can affect the usability of the free budget template
• Limited Collaboration : Unless you’re using Microsoft 365 online, your options for collaborating on the Excel budget templates are severely limited. Your regular Excel file gets stored locally, so you cannot share and sync the file with your team or family members
• Version Control : Speaking of copies, managing multiple versions of Excel files takes a lot of work. The lack of collaboration and version control leads to confusion and inconsistencies in data, bleeding into inaccuracies or data obsolescence
• Lack of Integrations : Microsoft Excel may not necessarily integrate with your existing tech stack, software platforms, or other financial tools. As a result, you’ll have to import and export the data manually, which gives rise to data siloes and workflow inefficiency
• Limited Reporting Capabilities : While Excel does possess basic reporting features and data visualization tools, these may fall short if you’re looking for a comprehensive solution. With these limited features, compared to financial management solutions, you’ll have to put in manual effort to generate reports, analyze trends, etc.
• Data Security Risks : Since Excel prevents data centralization, you must maintain multiple local copies and share them over email, subjecting the files to security threats. These files are more vulnerable to corruption, accidental loss, unauthorized access, data compromise, and other such risks
• Scalability : Scalability is a significant issue in Excel, especially in business applications. While it can handle large volumes of data and complex financial scenarios on a small scale, its capabilities may not grow at a rate similar to that of the business’ budgeting needs

10 Excel Budget Template Alternatives to Use in 2024

While the five best free budget templates in Microsoft Excel are attractive options, the above limitations may have you looking for ‘something more.’ Fortunately, we’ve got 10 additional budget templates that make for compelling Excel alternatives .

From managing project budgets to budgeting for events, here is our list of 10 free templates for you to try:

The ClickUp Simple Budget Template makes budgeting easy. It offers clarity, organization, and efficiency in financial management minus the cognitive load of handling multiple variables.

Use it as a personal budget template or a business tool for tracking expenses. This versatile budget planner molds to your individualistic requirements. Behind this versatility lies an intuitive structure and user-friendly interface, which helps track transactions, cashflows, and budgets. In addition to making finances data-driven, it converts financial information into visual illustrations.

Graphically depicting different budget categories empowers individuals and businesses to identify trends, optimize budgets, and achieve financial goals.

ClickUp’s Business Budget Template steers organization success and sustainability

Super-charge your business with this ClickUp Business Budget Template that simplifies money management for businesses of all shapes and sizes. Whether you run a startup or a conglomerate, this budget planner offloads financial and administrative tasks so you and your staff can focus on business growth. 

The template accepts basic inputs regarding your financial goals, while the budget is calculated automatically with absolute detail and granularity. Use this balance sheet to track the actual performance of your business against the planned targets and execute cost-saving strategies or optimize expenses for long-term growth. It also organizes financial data, making it a historical record to benchmark financial performance.

Creating a budget proposal is a daunting task. However, it is necessary for businesses, organizations, consultants, and freelancers seeking funds and project approvals.

Fortunately, the ClickUp Budget Proposal Template aids the process by maintaining financial data accuracy, consistency, and clarity to craft a compelling proposal that wins opportunities.

To deliver such outcomes, the project’s cost components are broken down to make a robust and data-driven case. It also presents all the information in a visual, easy-to-understand format, which improves your chances of securing funds and approvals. These insights empower stakeholders to make informed decisions about the project’s feasibility.

Its usability extends beyond pitching proposals, as you can use it as a roadmap to track progress, engage stakeholders, and identify areas of improvement. 

The ClickUp Personal Budget Template is a reliable companion in your financial journey. Whether you wish to calculate your net worth or manage your household budget, this monthly budget planner is a highly customizable tool for delivering financial independence and empowerment.

This money manager template tracks your personal and household expenses to clarify your spending patterns and the status of your savings account. Once aware of these parameters, you’ll find it easier to plan and prioritize your short-term and long-term financial goals.

Whether planning a vacation or building an emergency fund, you can make informed decisions using this template.

Event budgeting is quite challenging. Ensuring success requires meticulous planning and organization, followed by dynamic and hands-on execution.

However, managing event budgets can be a breeze with the ClickUp Event Budget Template . This comprehensive template is suited for various events, from corporate webinars to trade events. 

It acts as a centralized hub for setting goals, tracking expenses, and allocating or reallocating budgets. It keeps a log of the fixed costs while maintaining flexibility for unprecedented yet critical expenses.

Managing the event budget allows you to plan unforgettable events while confidently ensuring cost savings wherever possible. 

ClickUp specializes in project management, so how can we miss out on project budget templates ? After all, budget is one of the primary constraints to impact any project.

The ClickUp Project Management Budget Template is your unofficial CFO for managing projects while staying within budget. It enables project managers to track expenses and balance priorities, resources, and timelines. 

It sequentially organizes a project into phases, allowing managers to navigate interdependencies, budgetary constraints, and resource requirements. Such logical organization of the project also provides real-time expense and progress tracking for maximum budget utilization. 

Tailor this template depending on your diverse project needs, and you will be on the course for success.

While managing budgets in small-scale projects is comparatively easier, things can get messy for larger ones. To address this problem, project managers rely on tools like work breakdown structure (WBS) to tackle complexities and interdependencies.

The ClickUp Project Budget with WBS Template does precisely that—it breaks down monolithic tasks into smaller, manageable activities and maps the corresponding budgetary requirements. For instance, you can distribute the yearly budget across 12 monthly budget planners to exercise finer control over your budget.

While this example illustrates the WBS across a timeline, the project budget software can break down budgets across different activities, milestones, features, or specifications. Either way, the template helps you stay on track and within budget, from planning to execution.

Managing a marketing budget is a tricky job. A single misstep can trigger a marketing budget avalanche. Alternatively, one right move can compound your investments and offer multi-fold returns.

With the ClickUp Marketing Budget Template , make data-backed, strategic decisions. It offers a holistic view of all your omnichannel marketing activities and computes the costs per channel. It also identifies areas for improvement and fuels intelligent decisions for resource reallocation.

The template offers significant customizations to accommodate your specific online and offline marketing requirements. This capability is backed by real-time performance tracking, which helps you monitor various marketing metrics and KPIs.

Infuse visibility, efficiency, and effectiveness in your marketing campaigns with this intuitive template.

Not all of us are Steven Spielberg or James Cameron to be blessed with virtually endless budgets for our creative pursuits. And for that, you’ll be grateful for the ClickUp Film Budget Template .

This easy-to-use template allows filmmakers to explore the depths of visual arts and creativity without tripping on the boundaries of budgets. It offers a detailed breakdown of the costs through the pre-production, production, and post-production stages so that investors can analyze the film’s financial viability.

Whether managing one-time equipment rental costs, pro rata rates to cast and crew, or even incidental expenses, you can maintain a finetuned control over the budget.

Leave the number-crunching to such budget spreadsheets and focus on captivating and delighting your audiences.

Managing a budget as a college student is hard—we get it. Balancing the academic, personal, and social life can leave you switching from fancy eats to fast food to dorm ramen. 

For this reason, we’ve created the ClickUp College Budget Template to make college life easier. The template covers all aspects of the college experience and streamlines budgeting to lend greater clarity to your financial situation.

From tracking tuition fees and education loans to managing daily living expenses, you can make informed decisions that align with your budgets. You will be in greater control of how much money you spend on what and how you can save money without compromising your lifestyle.

The template instills financial discipline and responsibility even as you transition beyond academics and enter the workforce—making it an indispensable tool for personal development.

Microsoft Excel has long been a budgeting staple, as evidenced by our five free Excel budget templates list. While these offer the basic functionality of income tracking, spending analysis, and dynamic budgeting, their limitations are undeniable.

Against this background, ClickUp emerges as a much-needed savior that holistically matches your budgeting needs. The ten budget templates offer a better understanding of your finances and act as a robust framework to create detailed budgets, optimize expenses, and save time and resources.

Get started with ClickUp to move several steps closer to your financial goals! Sign up for free today! 

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Top Excel Budget Templates

We’ve provided you with the best free budget template selection around, whether you’re managing a personal budget, an industry-specific budget, or balancing a household budget. additionally, we’ve provided details on how to choose the right budget for your use case, and steps on how to create one..

By Andy Marker Updated April 17, 2020

Business Budget Template

Track and manage your business expenses so you can make the best strategic decisions for your company with this business budget template. Gain visibility into where you’re overspending, where you need to cutback, and the general health of your company.

Download the Business Budget Excel Template

View your budget and expenses in real time so you can make the most informed decisions, track income against expense, and ensure no item goes unseen in savings, spending, or debt repayment goals.

Track Your Business Budget in Smartsheet

Smartsheet Project with Budget Template

A simple, best practice approach for managing the work, budget, and timeline required to initiate, plan, and launch your project. Share with your team to optimize efficiency, gain consistency, and adopt a data-driven process for any project based work. This Smartsheet solution template includes a task tracker sheet, status report, and project dashboard.

Use the Smartsheet Project with Budget Template

Department Budget

Estimate your department expenses for the upcoming fiscal year, track spend against savings, and compare year-over-year budget numbers by percent changes with this template designed for teams and departments.

Download the Department Budget Excel Template

Manage Your Department Budgets with Smartsheet

Project Budget

Using this template will help you stay on top of your project budget. Track the material, labor, and fixed costs associated with each project task, and monitor the variance between your actual and budgeted amounts.

Download the Project Budget Excel Template

Manage Your Project Budget in Smartsheet

Home Construction Budget

Keep an eye on all construction-related expenses, including remodeling, planned improvements, emergency repairs, and labor and material budgets, and monitor the running balance.

Download the Construction Budget Excel Template

Manage Your Construction Budget in Smartsheet

Business Budget Management Template Set 

This set of templates in Smartsheet helps track monthly actuals against budget goals so you can tightly manage your financial performance and ensure your business stay on track.

• Track monthly actuals against budget goals by department
• Receive automated budget and spend approval requests
• See a real-time dashboard view of financial health

Simple Budget

List your income and expenses, calculate spend and savings totals, and view which portion of income is going to which category of expenses to stay on top of your budget and ensure you don’t go over.

Download Excel Template

Personal Budget

Document, track, and manage your personal income, expenses, and savings to ensure you’re moving towards your financial goals. Improve visibility into how well you save your money so you can reach your goals faster.

Household Expenses Monthly Budget

Track, manage, and organize expenses for an entire household on a month-to-month basis, create line items for recurring expenses, and boost savings so you can reach your financial goals faster.

Weekly Budget Planner

Track your income and expenses on a weekly or bi-weekly basis to gain better insight into where you’re spending the most money and identify areas where you can save. Add additional columns and update your spending goals as time goes on.

Money Manager

Track expenses and manage your budget in one location with this money manager template. With a yearly budget, a monthly budget report, and a transaction history log, you will have one comprehensive budgeting solution in one location to track expenses and income appropriately.

Zero-Based Budget

Allocate every dollar of your income to a piece of your budget to better track where your money is going and ensure the difference between your monthly income and expenses equal zero. Document both incoming money and outgoing expenses and adjust allocations accordingly.

GLBL Budget

Manage your budget every paycheck and ensure you’re allocating every dollar of income toward an outgo, resulting in a zero balance. Reduce the possibility of overspending by tracking transactions and assessing incoming and outgoing money on a regular basis.

College Budget

Create a budget to help you save money, balance expenses, and manage student loan payments while you’re in college. Track all income and expenses on a quarterly basis and estimate monthly college expense totals to ensure you are always on top of your money.

Academic Club Budget

Track fundraising efforts, document sponsorship amounts, and manage expenses to ensure the operations and strategies of your academic club run smoothly with this comprehensive template. Gain insight into budget versus actual balances and better manage club revenue.

Wedding Budget

Plan how much money you need to save for your wedding, surface all applicable expenses, estimate overall costs, and establish a baseline spend goal. As you start planning, track actual spend amounts to determine the variance to budget to ensure you remain within the bounds of your ideal spending goal.

Early Retirement Budget

Ensure that you’re saving enough money to live comfortably in retirement by creating a comprehensive plan, estimating your daily needs and expenses, and documenting how you will allocate your income. Gain insight into your income and expenses and estimate your budget with inflation factored in to make sure you’re covering all your bases.

Holiday Shopping Budget

To prepare for the holidays, list all gifts to purchase for whom, document how much each will cost, and compare that against a monthly or yearly budget to ensure you have visibility into how much money you are spending during the hectic holiday months.

Finding the right template can help you get started planning your budget, but you should also look for a solution to ensure your finance operations are as efficient as possible. Consider a tool that provides one location for your team to track and manage financial details, from anywhere, in real time.

Smartsheet is an enterprise work execution platform that is fundamentally changing the way businesses and teams work. Use Smartsheet to boost visibility into your finance operations. Make real-time updates and share details with key stakeholders to increase transparency and accountability. Ensure that everyone is working with the most up-to-date information, so that no detail is missed and you are able to make the right decisions at the right time.

The Importance of a Personal Budget

Creating a personal budget is not only important for your financial well-being and peace-of-mind, but also for your short and long-term goals. Taking control of your finances with a personal budget template will help you make headway on these goals. 

To get started, you want to consider the following steps to help you establish your personal budget:

• Set your goals. Take some time to make a list of your short and long-term goals. Determine why each goal is a priority, how you plan to achieve them, and the timeframe in which you would like to accomplish them. Short-term goals should only take a year to accomplish and would include items like paying off a credit card. Your long-term goals could take many years to accomplish, with examples of long-term goals including saving for your child’s education or your own retirement.
• Track your spending. To make accurate estimates of how much you should allocate to each expense within your personal budget, you will need a sense of how much you are currently spending in each area. Review your bank statements for the last three to four months to get an idea of your spending. Of course, you may decide to change the amount you budget for each item, but this will at least provide a baseline to go off of.
• Personalize your budget. Using a personal budget template is helpful to get your budget started, though you can always personalize your budget to match your specific needs. Additionally, just because you create a budget one month, doesn’t mean your expenses and goals will be the same for the next. Be sure to have monthly check-ins on your budget and don’t hesitate to update it as your circumstances change.

Getting Started With a Personal Budget Template in Excel

Now that you’ve made a list of your goals and started tracking your expenses, you can begin creating your actual budget using a personal budget template. 

Begin by downloading the personal budget template, and inputting your income, savings goals, and expense amounts for the first month. This template is made up of two sheets, one for your budget breakdown and the second is your dashboard.   

Within the first sheet, you will find three sections, including income, savings and expenses. The categories of the income section are:

• Salary/Wages
• Interest Income
• Refunds/Reimbursements

The next section is where you will input your savings goals. These goals may include both your short-term and long-term savings goals that you listed earlier. This section includes the following categories, but can be changed to fit your goals:

• Emergency Fund
• Transfer to Savings
• Retirement (401K, IRA)
• Investments

The last section of the personal budget sheet is for expenses. This section has various primary categories, with multiple sub-categories associated. The primary expense categories include:

• Transportation
• Daily Living
• Entertainment
• Vacation/Holiday

Once you have input the individual amounts for each of the income, savings, and expense categories, you will see that the total for each month is calculated at the bottom of each column. Additionally, totals are calculated at the end of each row, representing your year-to-date total for each budget item, category and section. 

On the second sheet you will find your budget dashboards. Dashboards are helpful to provide a quick visual into the summary and health of your budget, and will automatically update as you make changes to your personal budget sheet. The dashboard sheet included in this personal budget template has the following four distributions:

• Potential to Save Summary  This summary calculates your potential savings, on a monthly basis, after you have met your current savings goals for the expenses incurred. The potential to save amount is calculated by subtracting the Total Savings and Total Expense amounts from Total Income.

• Income to Expenses Chart  The bar chart provides a quick look at the difference between your total income and expenses on a monthly basis, which is helpful to provide a high-level view of the health of your budget.  

• Income-Expense-Savings Pie  This pie chart is helpful to determine the breakdown of your budget, providing a visual of what proportion of your budget goes to income, savings, and expenses.

Use a pre-built Smartsheet template to create a budget in minutes.

Free budget template in Excel: the top 8 for 2024

Budgeting is an essential part of money management, whether it’s for personal or business-related purposes. And when it comes to planning, aggregating, and analyzing budgets, Excel is still the go-to tool for many people from different lifestyles and professions.

Having a budget template in Excel is a more accessible, affordable, and familiar option for many users. What’s more, you can easily customize your templates to suit your exact needs. Whether you need to budget for your new startup business, control annual department spending, or save up for your first car, there is a template out there for everyone.

Let’s go over some of our favorite free Excel budget templates that you can customize to fit your own needs.

Free excel budgeting templates for 2024

• Expense tracker by Sheetgo
• Monthly Budget Planner by Money Under 30
• Annual Budget Planner by Budget Templates
• Student Budget template by Microsoft
• Household Expense Budget template by Smartsheet
• Zero-based Budget Spreadsheet by Smartsheet
• Money Manager template by Smartsheet
• Small business budget template by Capterra

What are budget templates?

• Why use budget templates in Excel?

1. Expense tracker by Sheetgo

The Sheetgo Expense tracker template is ideal for anyone looking for a simple way to monitor expenses and automate financial management. You could use it for your business or implement it in your team. You could even use it at home with your family, to track how much each person is spending.

It is an ideal income and expense spreadsheet for small business and large enterprises alike. 

The Expenses tracker template is easy to use, and gives you a comprehensive view of your expenses. It consists of 4 spreadsheets:

• Three individual expense trackers – Each user will have their own spending tracking spreadsheet. Initially there are three of these but you can add as many as you need to accommodate your team.
• A master sheet – All the data from the individual trackers is combined here for an overview of company expenses.

2. Monthly Budget Planner by Money Under 30

This budget planner by Money Under 30 has a dedicated page for every month of the year. Each page is divided into sections that you can customize to the different areas of your spending. Simply input your purchases in the corresponding category. Track how much money you’ve spent in any given month, and how much of your budget is left over.

Moreover, the template also has a summary page where you can find snapshots of your debts and savings.

3. Annual Budget Planner by Budget Templates

Budget Templates offers a yearly personal budget planner which gives you an overview of your yearly budget. The spreadsheet can hold a year’s worth of budgeting information in just a single tab. Each worksheet has customizable sections where you can input additional income and investments, so you have everything in one place.

This annual budget template is meant for anyone who needs an effective overview of their financial spending over multiple years. It could provide a solution for regular, long-term spending such as mortgages, loans, and annual vacations.

4. Student Budget template by Microsoft

Managing finances can be a challenge for students, especially for those who’ve just started college and are experiencing the huge responsibility of living on your own.

Microsoft’s Student Budget template is the perfect budgeting tool for those who want to track and control their allowance and part-time job incomes. Add your college-related spending into one tab, and your personal spending in the other. The template will calculate the budget of your personal spending so you never have to worry about going over your income. The best thing is that you can use this Microsoft budget template both as a downloadable file, but also as an online version.

5. Household Expense Budget by Smartsheet

This financial management tool is made for budget-conscious families. With the Household Expense Budget planner by Smartsheet, you track the income and spending of your entire household. 

Each sheet in the template is dedicated to a single month of the year, giving you more insight into your family’s monthly cash flow. Track continuous outgoings such as the mortgage, utility bills, and internet. Then, track one-off expenses such as restaurant bills, cinema tickets, and airfare. With this template, you can even create an emergency fund budget and assign income to your savings account, for a more reliable and secure budgeting solution.

6. Zero-based Budget Spreadsheet by Smartsheet

The idea behind this Excel sheet budget template is to allocate every dollar of your income to a part or aspect of your budget, so the difference between both equals zero.

The Zero-based budget Spreadsheet has two sections – one side for your monthly income and another for your expenses. Once you finish filling out both areas, the difference should be zero. If not, you should adjust either side. This method allows you to track where your money is going.

7. Money Manager template by Smartsheet

Need a tool that will let you keep an eye on your budget and on your expenses in a single location?

Then the Money Manager template is an option to consider. This budget tracking spreadsheet records and tracks all your financial transactions, and even balances your checkbook.

8. Small business budget template by Capterra

If you are starting to dabble in the world of business, then you will be interested in the Small Business Budget template. Capterra has developed a budgeting spreadsheet that startup owners can use for both long-term and short-term budget planning. The template also features an overview sheet. This sheet provides analytical insight into the efficiency of your business budgeting strategy.

Simply add your operational and non-operating income, then input your fixed and variable costs. This template will then calculate your gross profit, with a breakdown and analysis of where your money is going.

Budgeting templates are pre-built structures you can use inside a spreadsheet to organize, manage and monitor your budgeting needs. They can save you a lot of time and manual effort by organizing and calculating your finances for you.

Although budgeting templates can differ in features, the general idea is the same. Record and keep track of all outgoing payments on a weekly, monthly or yearly basis. These templates will give you a clear overview of how much you’re spending, what you’re spending on, and your total gross income.

You can use budgeting templates both in professional and personal circumstances. Here are just a few examples:

• Startup business annual budgeting
• Monthly department budgeting
• Student budgeting
• Family household budgeting
• Event budgeting
• Personal budgeting

Why use a budget template in Excel?

As the most widely used spreadsheet tool, Excel is a popular choice for data management. Using a budgeting template in an already familiar tool is the simplest option to keep track of your finances.

Using an Excel budgeting template has a range of benefits:

• Accessibility: Almost everyone has access to Excel. What’s more, you can open Excel online, so you can collaborate with other users or update your template from any device.
• Personalization : Adding your templates in Excel means that it’s easy for you to customize the templates to your exact needs.
• Optimization: By having your budgeting template in Excel, you can access Microsoft’s range of analytical features and functionalities. Create graphs and charts to visualize your data, or use different formulas to calculate new insights.
• Affordability: Spreadsheet templates are (for the most part) free, the same can’t be said of complex financial software. Simply download your copy and get budgeting! No large upfront costs. 

Free Excel budget templates

And there you have it! Excel is a versatile and valuable budgeting tool that has definitely proven its worth. But as with most things, there is no such thing as a one-size-fits-all money management tool. You’ll need a specific template for a particular budgeting task.

There are a variety of budgeting templates available, which one is best depends on your needs. Although all of the templates we covered provide an immediate solution, the Sheetgo Expense tracker takes budgeting to the next level. 

Looking for an all-in-one solution to control your finances? Check out our spreadsheet-based solution to automate your financial management and track all your business transactions.

Editor’s note : This is a revised version of a previous post that has been updated for accuracy and comprehensiveness.

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The best Excel budget templates

Microsoft Excel is a full-featured spreadsheet application with plenty of features for managing data. With its robust functions and commonly used calculations, it’s also a solid money-management tool.

If you want to track and manage a budget, whether for yourself, your household, or a special event, Excel is a great choice. Luckily, you don’t have to start from scratch. These are the best Excel budget templates to get you started .

Simple budget template

Starting with something basic, you may not need a template with bells and whistles like those below. This simple budget template works just fine for individuals or couples.

Add your income at the top, expenses below, and see totals at the bottom. Each spot lets you enter projected and actual amounts. You also have a nice bar graph showing projected and actual income and expenses.

Personal weekly budget template

If you get paid weekly or biweekly and like to manage your budget the same way, then take a look at this weekly budget template .

Choose the Weekly or Biweekly tab per your preference. Then, enter income and expenses with what you’re budgeting and what the actual costs turn out to be. You’ll see a Month-to-Date column on the right , along with the differences between estimated and actual amounts.

Personal monthly and yearly budget template

To keep track of your monthly and yearly individual budget, this personal budget template has it all. You can see the entire year on a single sheet, with spots for each month.

Enter income, savings goals, household expenses, health, recreation, and miscellaneous expenses in the designated sections. Head to the Dashboards tab to view colorful graphs and charts for incomes, expenses, and the year at a glance.

Family budget template

For families of any size, keeping track of income, bills, spending, and savings is essential. This family budget planner template gives you tons of tools for managing family finances.

The template includes tabs for three-month tracking, covering the whole year. You also have tabs specifically for estimated and actual income, total spending with graphs and charts , and savings tools for retirement and college. Then, for a quick view of total income and spending, visit the Results tab.

Household budget template

As an alternative to a family budget, take a look at this household budget planner template . This one gives you one large sheet to track everything in your home each month.

You can include home expenses, daily living, entertainment, health, recreation, children, business, and even pets. There’s also a spot for miscellaneous expenses that pop up throughout the month. You’ll also see a nifty wrap-up of the expenses as a colored bar chart.

Zero-based budget template

Whether you already use the zero-based budgeting method or want to give it a try, check out this zero-based budget template .

The template includes tabs for your budget, an example to help you get started, and a printable option. You have the categories you need for listing income and expenses as well as adjustments, debt, and savings. You’ll see subtotals beneath each section, with the budget remaining and the final budget at the bottom.

College budget template

College is tough enough without having to struggle to manage money at the same time. This college budget template gives you a helping hand.

The template includes a section for income and funding at the top with expenses at the bottom. You can divide your budget by semester to track the entire school year. Plus, you can enter one-time or monthly expenses, which is ideal for unexpected incidentals.

Travel budget template

Whether you’re traveling for business or pleasure, you’ll want to keep track of your spending. This travel budget template lets you do so on one simple sheet.

Enter your total budget at the top and then include descriptions, categories, quantities, and costs for all your expenses. You’ll see a quick picture of the difference between what you estimate and what the actual costs are for your travel, along with a handy pie chart.

Event budget template

Most any type of sizeable event needs a budget to keep spending under control. This event budget template is ideal. Plan your party, fundraiser, trip, or team outing with ease.

The template has three tabs for Seminar, Camp, and Race, but you can use any one of these for your own event by popping in your own details. Include expenses with income or funding by category, quantity, and cost. Plus, there’s a quick summary at the top to keep things in order at a glance.

Wedding budget template

If there’s one event where keeping track of a budget is essential, it’s a wedding. With this wedding budget template , you can manage everything from the clothing to the rehearsal dinner to the honeymoon.

What’s great about this template is that you can enter the estimated amounts on the Estimator tab. Those then populate on the Budget tab. Enter all expenses in the corresponding sections as they come up and keep the entire special day on a reasonable financial track.

Is there a budget template in Excel?

Microsoft Excel has its own set of templates that you can use. Many are similar to those you see here as far as the type of budget. However, the ones on this list give you options outside of what you’ll find in Excel and offer some extras that you might find useful.

To browse Excel templates online, you can visit the Microsoft Office Templates website .

How do I create a good budget in Excel?

Creating a budget that works starts with the right tools. Excel is a reliable application for tracking different types of budgets. And when you use a template like one on this list, you’re off to a terrific start.

Just remember, your budget sheet is only as good as the information you put in it. The key is to keep up with your budget sheet and make sure you include everything.

Tip : You can also password-protect the Excel file if you’re worried about privacy.

What is the best spreadsheet for a budget?

The best spreadsheet for a budget is like most things: It depends on your needs. While it may be tempting to use a basic budget for your household, it may not have everything you need to accurately manage that budget.

The nice thing about using a template is that it saves you time from creating one from scratch. This includes listing out all of your expenses and adding the necessary calculations with functions and formulas. Plus, you can usually adjust most any template to fit your situation.

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Sandy has been writing about technology since 2012. Her work has appeared on How-To Geek , Lifewire , MakeUseOf , iDownloadBlog , and many other tech-related websites. She also worked as a Technical Editor on the books “iPhone Unlocked” and “Effective SEO and Content Marketing: The Ultimate Guide for Maximizing Free Web Traffic”.

With plenty of gadgets in her home and her hands, Sandy loves to help others use technology to make their business and personal lives a bit easier.

Buying one of the best laptops for using Excel isn’t as simple as just heading to the best laptops list and buying one of those. Well, it kind of is but using Excel requires slightly different priorities than your average great laptop. The focus needs to be on processing power and memory usage but it also often needs plenty of storage and even a good quality screen. The latter is particularly important if you don’t plan on connecting your PC to an external monitor or you need to look up many spreadsheets at once while on the move.

We’ve appreciated all that and collated a list of the very best laptops for Excel right now. The list includes all the best laptop brands so you’re gaining a highly reliable laptop at every turn. Below, we’ve picked out six great laptops for using with Microsoft Excel. These encompass different price ranges as well as offering different features such as a 2-in-1 design or utilizing macOS so there’s something for every scenario. Take a look at our options. If you’re in a rush, just go for the top one as that’s our best pick overall. Dell XPS 13 Best all-rounder laptop for Excel

Modern processors are exceedingly powerful, but you don't have to buy a flagship design to get a great chip. The best budget CPUs can hold their own and punch well above their weight in gaming and productivity. But you don't want to lock yourself into an old ecosystem. All of our favorite budget CPUs offer excellent performance today, and great upgrade potential for the future, too.

More interested in the best CPUs overall? Here's our list of the top processors for 2024.

Whether you're a seasoned professional or enjoy drawing as a hobby, investing in a 2-in-1 laptop is a great idea for all sorts of artists. Drawing on a laptop makes it easy to quickly share your creation with others, which is especially useful if you're doing it as a professional–negating the need to upload your pen-and-paper sketch to the computer before sending it to a client. Moreover, working on a laptop lets you undo mistakes, zoom in to better handle small details, and quickly change utensils.

There are a lot of perks to drawing on a 2-in-1 laptop, but not all of them are great for creators. Some have unresponsive displays that can't register all your movements, while others might have a lackluster resolution or color spectrum that turns most images into a muddled mess. Because of that, it can be hard figuring out which laptop is best for your needs. And if you'll be spending a good chunk of change on the laptop, you'll want to make sure you get it right.

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4 Free Budgeting Templates & Excel Spreadsheets

These online tools let you skip the setup and math, and start tracking and saving your money right now.

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Whether you want to use an Excel spreadsheet or a Google Sheet to define and track a budget — or a fully functional online calculator — the budgeting tools below are among our favorites.

Microsoft Office Excel budget templates

How it works: Maintaining a spreadsheet requires discipline, and creating a spreadsheet from scratch takes time. Save yourself the hassle of setting up rows, columns and formulas by using a pre-made Excel template from Office. Templates include a household expense budget , holiday budget planner and event budget.

What we like: There’s a template for just about every budget situation, from simple to complex. Access Excel online and collaborate with others in the same document at the same time.

Where to get it: Visit templates.office.com and type “ Budgets ” in the search box to find an Excel file to download. Or sign in to Microsoft and edit in your desktop browser.

Google Sheets budget templates

How it works: Google Drive is a file storage service where users can create, upload and share files. Get 15GB of storage for free or upgrade if that's not enough. The Sheets app for Drive includes pre-made templates, such as an annual budget and monthly budget. Google Sheets also provides annual business budget templates for entrepreneurs who want to track their expenses.

What we like: You can bring your budget with you by logging in to your Google Drive account from your smartphone, tablet or computer. You can also share access to a household budget with other members of your family.

Where to get it: Sign in at google.com/sheets , then browse the template gallery, which you can find at the top right of the page.

NerdWallet’s budget planner

How it works: The budget planner enables you to input your monthly income and expenses. With that information, the worksheet shows how your finances compare with the 50/30/20 budget breakdown, which recommends that 50% of your income goes toward needs, 30% toward wants and 20% toward savings and debt repayment. That said, it’s OK if your budget doesn’t perfectly align with the 50/30/20 breakdown. For instance, if you live in an area with a high cost of living, your “needs” bucket may be a little higher, and your “wants” bucket might be less.

What we like: This thorough planner prompts you to consider a wide range of expenses — from life insurance premiums to travel expenses to credit card payments — so you don’t miss anything. You can also see worksheets specific to your situation, whether you’re a college student, parent, homeowner, senior or none of those. We also like that the worksheet compares your budget to the 50/30/20 breakdown.

Where to get it: Learn more about the free budget planner and use it directly on NerdWallet. You can also download the spreadsheet here .

The Federal Trade Commission’s budget worksheet

How it works: The Federal Trade Commission offers a website to educate consumers about money, including how to budget. To get started, consult its "Make a Budget" worksheet. Download the PDF and fill in the fields to see whether you’re making more than you spend or spending more than you make.

What we like: Numbers and formulas can make budgeting a turnoff, but this simple worksheet is the furthest thing from intimidating. It’s a great jumping-off point if you’ve never budgeted before.

Where to get it: On Consumer.gov, download the budget PDF from the "Toolbox" tab.

What to do after you find a budgeting template

Wherever you find a budget spreadsheet or template, do some research before downloading it. Checking online reviews and only downloading budget templates from websites you trust will help you avoid phishing viruses.

Researching budget spreadsheets and templates is already a solid start in managing your money. If the tools above aren’t a good fit, you’ve got other options — including signing up for a free NerdWallet account to view your cash flow and see how it matches the 50/30/20 budget guidelines .

Learn about the various monthly expenses you’ll want to track .

Try an app that tracks and categorizes your spending. Check out the best budget apps for 2023.

Or, if you need to back up and learn more about budgeting, read how to make a budget .

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Ultimate Excel Personal Budget

Bottom Line:   This Excel tutorial teaches you how to create a full-blown personal budget management template in Excel. It will allow you to set up a zero-based budget plan over multiple periods and track your money flows with ease. The budget dashboard will bring all your data together and enables the most insightful monitoring of your personal budget performance.

Skill Level: Advanced

Video Tutorial

A personal budget is one of the most fundamental and powerful tools for actively taking control over your personal finances, as it helps you to understand and to pro-actively plan where your money goes.  

While many people already use Excel to build simple expense trackers for themselves, this tutorial will take it to a new level and show you how to build a full-blown personal budget management tool in Excel   that let’s you pro-actively plan your income allocation to custom expense and savings categories for every single month, then let’s you track and assign your actual money flows to the defined categories and based on that automatically generates a well-structured and interactive dashboard analysis with a detailed breakdown of your budget performance for each individual month and year.  

This tutorial teaches every single step on how to create such an advanced and well-thought-out personal budget management spreadsheet in Microsoft Excel. Along the way you will learn a ton of high-level Excel skills such as how to

• systematically set up and design an extended professional Excel tool from scratch
• create understandable and reusable formula constructs based on named calculations
• design outstanding interactive charts to visualise the most important KPIs in your data
• how to set up multi-level dropdown list constructs that with a dynamic list input
• how to apply smart  conditional formatting rules for data visualization and 
• and much more…

Final Template

The final Ultimate Excel Personal Budget  has the following main features:

• Zero-based budget planning
• Fully customizable income, expenses, and savings categories
• Multi-period approach to set the right expectations for every single month
• Smart table to assign all your money flows to your defined categories
• Option to “shift” late monthly income to the next month
• Dynamic aggregation of all planned and tracked data
• Smart budget breakdown and chart visualizations
• Fully interactive for selecting different period and visualization views

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Free Budget Templates

All the Vertex42™ budget templates can be downloaded for personal use and no charge. We hope that they will be helpful to you! The templates featured below also work with OpenOffice and Google Spreadsheets, so if you don't own a version of Microsoft Excel®, the only thing stopping you from making a budget is the time to download and the determination to get your finances under control.

If you are brand new to budgeting, you may want to start with the Income & Expense worksheet to start tracking your expenses. The Zero-Based Budget Worksheet provides a useful exercise as well. For more advanced money management, try our Money Management Template .

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9 Free, Easy-To-Use Budget Templates and Spreadsheets

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Budgeting is more popular than ever. A 2022 Debt.com survey found that 86% of people track their monthly income and expenses, up from 80% in 2021 and 2020 and roughly 70% pre-pandemic. And in a world full of  budgeting apps that allow you to swipe and tap your way through your monthly budget, some people still prefer to use good, old-fashioned budget templates and spreadsheets. 

9 Free Budget Templates and Spreadsheets

The good news is that if apps aren’t your thing, you don’t have to complicate your life by asking yourself, “How do you make a printable budget sheet?”

Instead, here are nine completely free, simple-to-use budget templates and spreadsheets that are available to download right now.

1. Microsoft Excel Personal Monthly Budget Spreadsheet

Where to get it:  Microsoft 365

As a heads up, if you’re interested in free Microsoft Office budget templates, you’ll likely find the majority in Microsoft Excel format, not Microsoft Word.

One good option to consider is the Microsoft Excel personal monthly budget spreadsheet. This comprehensive budgeting template contains main categories, such as housing, entertainment, transportation, loans and taxes, and also plenty of subcategories to allow you to easily  break down specific expenses . It also allows you to compare projected and actual income and expenses, so, at a glance, you can see how well you’re sticking to your budget each month.

2. Mint’s Simple Budget Template

Where to get it:  Mint

Although  Mint also offers more complex budgeting template options, this simple one lives up to its name. It’s perfect for beginning budgeters who want to plug in their income and expenses and have the results automatically populate. The template also includes a budget summary, complete with graphic organizers, which breaks everything down, including your top five expenses for the month.

3. Google Sheets Monthly Budget Template

Where to get it:  Google Sheets

If you’re a fan of Google Sheets, this might interest you. Like other simple monthly budget templates, this one allows you to log planned and actual income and expenses and then auto-populates the difference. It’s also one of the more aesthetically pleasing templates, featuring custom colors, bar and line graphs and a callout that boasts how much you saved during the month.

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4. Budget Planner From 20somethingfinance

Where to get it:  20somethingfinance

This Google Sheets budget planner from 20somethingfinance stands out because it allows you to track a year’s worth of budgeting at a time. While you can choose to viewyour income and expenses by month, you can also use the yearly sheet to get a comprehensive month-to-month overview of your income and fixed expenses. There’s also a separate sheet that details a year’s view of  credit card payments , which can help give you insight into that specific area of spending.  

5. Free Easy Monthly Budget Template From TheGoodocs

Where to get it:  TheGoodocs

This simple monthly budget template found on TheGoodocs is designed to open in Google Docs and features a budget summary up top that includes total income and expenses, the amount saved, the amount overspent and the  percentage of your budget that you utilized for the month. In the middle of the doc, you can plug in your actual and budgeted expenses. As an added bonus, the bottom of the template includes a colorful doughnut chart that details a percentage breakdown of your monthly expenses.

6. Free Green Family Monthly Budget Template From TheGoodocs

This template is a bit different from others because it’s designed for a two-income family. Beyond that, it includes all the basic expense categories and subcategories — which you can edit — and also areas to plug in additional planned and actual income.

7. Federal Trade Commission’s Make a Budget Worksheet

Where to get it:   Consumer.gov

The FTC’s budget worksheet is designed from the perspective that you should track all of your expenses for one month to help you set up your budget for the next month. The budget worksheet is simple, breaking down expenses into various categories and subcategories. It also includes a line for “other expenses,” which are expenses that do not occur every month, such as registration fees or annual premiums.

8. Free Monthly Budget Worksheet From A Cultivated Nest

Where to get it:  A Cultivated Nest

If you prefer putting pencil to paper rather than plugging in numbers online, this free budget sheet template might be for you. It’s very straightforward and allows for tracking income and expenses over three months. At the top, you’ll fill in the names of the three months and the expected incomes. The main expense categories are already filled in — household, utilities, auto,  groceries , debt and miscellaneous. But there are open spaces underneath each category to fill in your preferred subcategories. At the bottom is where you’ll total everything up for each month.

9. Family Budget Worksheet From A Mom’s Take

Where to get it:  A Mom’s Take

This free budget worksheet from A Mom’s Take is printable, which is perfect if you’re not committed to the idea of doing your number crunching online. In comparison to A Cultivated Nest’s printable budget sheet, this one is more detailed because the subcategories are already filled in for you. Also unlike the former, it includes a column for writing the difference after you subtract your actual expenses from your expected ones. And if aesthetics matter to you, this worksheet has a fun, somewhat whimsical feel due to the bright colors and scripted font.

Make Budgeting Easier With a Template or Spreadsheet That Works for You

If you’re interested in a budgeting solution that will allow you to customize things according to your lifestyle, you’ll want to opt for a template or spreadsheet that you can download and edit. If you just want a basic budgeting tool that you can print out and fill in, choose a printable worksheet. Either way, finding a budgeting template or spreadsheet that works best for your finances will help you  create a budget and stick to it .

• Google Docs does not have a native budget template, but many users have created custom budget templates that you can open in Google Docs. Sites like TheGoodocs can be good places to look for templates that fit your needs.
• While you may be able to find some Microsoft templates online, the majority of budget templates are made for Microsoft Excel, not Word. Excel gives users access to advanced functions, such as automatic calculations, which can make budget planning easier. If you still prefer to use Word, a good option is to download the Simple Budget Template from General Blue.
• The 50/30/20 rule is a way to divide your income when budgeting. Under this rule, 50% of your income goes to needs, such as housing and groceries, 30% goes to wants, such as hobbies and dining out, and 20% goes to savings.

Chris Ozarowski contributed to the reporting for this article .

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• How To Make a Budget
• How To Stop Living Paycheck to Paycheck
• How To Set Your Budget Percentages

Types of Budgeting

• What Is Zero-Based Budgeting?
• What Is the 50/30/20 Budget Rule?

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Use an excel budget template, use a third-party budget template, create a budget from scratch.

Keeping track of your budget, whether for yourself or your entire household, is key to money management . If you already use Microsoft Excel, you can create a budget easily using a template or making one from scratch.

You can get a jumpstart on your budget by using a template . Microsoft offers several budget templates already in Excel or via the Office Template website.

Related: How To Create Custom Templates in Excel

To see the budget templates in Excel, open the application and select "More Templates" in the Home section.

Enter the word "budget" into the search box and you'll see many options.

Choose the template you want to use to see more details and click "Create" to open the template.

You're then on your way to budgeting your money with premade sections and built-in formulas. For more options, visit the Budget section of Microsoft's Office Template site . You can then pick a template to download and use in Excel, or open it online and use it in Excel for the web.

If you've browsed Microsoft's budget templates and don't see one you like, you can choose a third-party template. Sites like Vertext42 and Spreadsheet123 offer nice collections of budget templates.

One benefit of using a template is that it lists common expenses for you so that you don't forget anything.

This option from Vertex42 is ideal for managing your own finances. It's a personal monthly budget template with spots for all income you receive, and the expenses are grouped by category. At the top, you'll see a wrap-up section of moneys in and out along with the net amount, totals, and averages.

The template from Spreadsheet123 is a good option for a family monthly budget. Similar to the personal budget template above, you have places for income and expenses but also with estimated and actual amounts. The top section shows you your estimated and actual totals with the differences per month.

If you can't find a template to fit your needs or just want something simple, or if you have unique circumstances and needs, you can create a budget from scratch with helpful Excel budget functions. For the purpose of this tutorial, we'll make a basic monthly budget.

Related: How to Create Expense and Income Spreadsheets in Microsoft Excel

Open a new workbook, select the sheet, and give your budget a title at the top of the sheet. Then, create sections for income and expenses labeled however you like.

If you have more than one source of income such as more than one earner, multiple jobs, or dividends from investments, you can list those separately in your income section.

Then, list all of your expenses. Be sure to include all bills, loans, and miscellaneous expenses.

Next, head back to the top and enter the months across the second row, starting in the second column. If you prefer a weekly budget, you can enter the week numbers or for a daily budget, enter the days of the week.

You can enter the first two or three months, week numbers, or days and then use the fill handle to enter the rest.

You can then start adding the amounts for income and expenses starting with your current month. If you want to insert these amounts for previous time periods, that'll be helpful for an overall picture of the year.

To format the amounts as currency , select the cells containing the amounts. Then go to the Home tab and pick "Currency" in the Number drop-down box.

Because you want a clear picture of money coming in and going out, you should add totals to your income and expense sections. This will also let you easily see how much money you have remaining at the end of the month.

Go to the first cell below all income for the first month. Select the Sum button in the Editing section of the Home tab and pick "Sum" from the list. Confirm the cell range and press Enter or Return. Then, do the same for your expenses.

You can then copy both total formulas across the rows for the remaining months. Select the cell with the formula, use the fill handle to drag to the remaining columns, and release. Although some months display $0, you'll have the formulas ready to go when you add the amounts later.

Next, you can include a money remaining section at the bottom as mentioned above. You can do this easily by subtracting the cell containing your total expenses from the one containing your total income.

Go to the bottom of the column for the first month, below expenses. Enter the subtraction formula for the two total cells. For instance, our income total is in cell B6, and expense total is in cell B19, so we'd use this formula:

Press Enter or Return and you'll see your remaining money at the end of the month. Remember, you can use the fill feature to copy the formula to the rest of the months. Optionally, you can label this amount in the first column as well as the income and expense totals if you like.

Once you have this basic budget built, you can use Excel's formatting features to spruce up the sheet if you like. Here, we simply increased the font size for the title and added font colors and bold for income expenses, totals, and months. Visit the Font section of the Home tab for options like these.

If you want to create a more detailed budget, take a look at our list of Excel budget functions to see if any interest you. 

Here are just a few examples:

• Use the COUNT function to count the number of expenses you have.
• Use the MAX function to see your most costly expense.
• Use the TODAY function to always see the current date when you open your sheet.

With these easy ways to create a budget in Excel, you can stay on top of your incoming and outgoing money. It's also a great option if you're a Money in Excel user and looking for a replacement for the vanishing service .

Related: 7 Essential Microsoft Excel Functions for Budgeting

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Best Budget Spreadsheets for Your Financing Decision

“ Beware of little expenses. A small leak will sink a great ship. ” – Benjamin Franklin. The quote is a powerful reminder of the importance of monitoring and controlling small expenses using budget spreadsheet templates. It may not sound like the most enjoyable task in the world to create a budget, but it’s an essential part of organizing your finances while attempting to control the funds you need to live the way you want. 

Budgeting helps you track your income and manage monthly expenses such as student loans, vacations, desires, and future finances. Using an Excel spreadsheet for budgeting allows you to create an expenditure plan for your money, and it ensures you’ll always have enough money, let’s say, in your bank account, to cover all your expenses. If you are actually in debt, implementing a  budget or spending plan  can also keep you out of debt or help you find your way out of debt.

What is an Excel Spreadsheet Budget Template?

An Excel Spreadsheet Budget Template is a financial planning tool created using Microsoft Excel, a widely used spreadsheet program. It helps individuals or organizations manage their income, expenses, and overall financial goals over a specific period, such as monthly or yearly. The Excel Spreadsheet Budget Template is typically structured in a table format, allowing for the systematic organization of financial data into categories.

What to Include in an Excel Spreadsheet for Budgeting?

Creating an Excel spreadsheet for budgeting involves organizing your financial information into categories that help you track and manage your money effectively. Here’s what to include in each section:

• Income : In the income section, list all sources of money that you regularly receive. This includes your salary and any additional income streams such as bonuses, freelance work, rental income, or investments. For each source of income, note the amount and the frequency (e.g., monthly, bi-weekly). It’s essential to clearly understand your total income to set realistic budgeting goals and ensure that your spending does not exceed your earnings.
• Fixed Expenses : Fixed expenses remain relatively constant from month to month. This section should include rent or mortgage payments, insurance premiums (health, auto, life, etc.), loan payments (student loans, car loans), and any other regular payments that do not fluctuate significantly in amount. Listing these expenses helps you understand how much of your income is already committed to these unavoidable costs and what portion remains for variable expenses and savings.
• Variable Expenses : Variable expenses fluctuate based on your usage or consumption. This category includes groceries, utility bills (electricity, water, gas), transportation (gas, public transit), entertainment, and personal spending. Since these costs can vary, tracking them closely allows for adjustments in spending behaviors. By identifying patterns or areas where spending is high, you can make informed decisions to reduce costs if necessary.
• Savings : In the savings section, allocate a portion of your income towards future financial goals. It could include an emergency fund, retirement savings, or specific goals like travel, education, or home buying. Determining a fixed amount or percentage of your income to save each month can help ensure that you’re building a financial cushion and working toward long-term stability and success.
• Debt Repayment : If you have any debts, including credit card debt, personal loans, or any other type of debt, it’s crucial to include a section for debt repayment. List each debt, the total amount owed, the minimum payment required, and the interest rate. Prioritizing debt repayment is essential for financial health. You may focus on paying off high-interest debts first (the avalanche method) or start with the smallest debts for quick wins (the snowball method).

Including these sections in your Excel Spreadsheet for Budgeting gives you a comprehensive view of your financial situation. This organization helps manage your current finances and plan for future expenses and savings goals.

Budgeting Template Types

Although all budgets track finance, they can have various components depending on intent. Budgeting templates need categories that, along with other variables, are tailored to the scale and length of a project. Below are some of the most popular kinds of budgeting templates or best budget spreadsheets that you might use in your everyday life:

• 3 statement  model budget : This model budget comprises the five most common and generally used accounting statements: Income Statement, Balance Sheet, and  Cash Flow  Statement. This model combines three key reports into one consolidated forecast so you can forecast your future cash position and financial health.
• Zero-based budget – Zero-based budgeting is a way to budget where the revenue minus spending equals zero. With a zero-based budget, you must ensure that your expenditures balance your monthly revenue.
• Cash flow budget – A cash flow forecast estimates all cash revenues and expenses planned to occur for a given period. Yet cash flow budgeting looks at moving capital, not net income or profitability.
• Flexible budget: This budget adjusts or flexes with changes in volume or activity. A flexible budget is more sophisticated and valuable than a static budget.
• Business budget: This outlines the financial  and operational goals of your organization, so it can be considered as an action plan that helps you allocate funds, assess performance, and determine actions. When starting a new  business, a budget  is essential to your business plan.
• Student budget: As a student, you may earn little. The best way to hang on to the money you do have is through budgeting. While making and adhering to a budget is daunting, the process may be more straightforward than you think.
• Household budget  – A personal  or household budget is a detailed list of expected income and expenses that help you plan how to spend or save your money and track your actual spending habits.

How are Budget Spreadsheet Templates Used?

Budget spreadsheet templates are versatile tools for multiple financial planning and management purposes.

• Generate Financial Insights : Budget spreadsheet templates are designed to organize financial data to highlight spending patterns, income sources, and potential areas for savings. You can generate insights into how your money is being utilized by inputting your financial information—such as income, expenses, savings, and investments—into these templates. This analysis can reveal trends over time, showing areas where you’re overspending or underspending. It helps make informed decisions about financial planning and adjustments to meet your financial goals.
• Help Build Savings : Budgeting Spreadsheet Templates often include sections for savings goals, allowing users to allocate a portion of their income toward future savings. By visualizing your savings goals and tracking your progress, you’re more likely to stay committed and disciplined in your savings habits. The template can show how small, regular contributions to savings can grow over time, providing motivation and a clear path to achieving your savings objectives.
• Manage Budgets Efficiently : The primary function of budget spreadsheet templates is to help individuals and businesses manage their budgets more efficiently. They allow for the categorization of income and expenses, making it easier to see where your money goes each month or year. This clarity helps identify areas where expenses can be reduced, ensuring that spending aligns with priorities and financial goals. Effective budget management leads to better financial health and stability.
• Prepare for Sudden Changes : Financial stability requires preparedness for unexpected events, such as job loss, medical emergencies, or urgent home repairs. Budgeting spreadsheet templates can help you plan for these unforeseen changes by setting aside emergency funds or adjusting your budget to accommodate new financial realities. By regularly updating your budget template to reflect current financial situations, you can quickly adapt your spending and savings plan to mitigate the impact of these sudden changes.
• Schedule Debt Repayment : For individuals dealing with debt, budget spreadsheet templates can be invaluable in planning and tracking debt repayment. These templates can outline a strategy for paying off debts, from credit cards to loans, by prioritizing them based on interest rates or balances. By having a clear repayment schedule and tracking progress, you can stay motivated and on track to becoming debt-free, potentially saving money on interest payments in the long run.
• Track Income & Expenses : At its core, a budget spreadsheet template is a tool for tracking all sources of income and expenses. This comprehensive tracking gives users a complete picture of their financial situation. By understanding exactly where every dollar is coming from and going to, individuals can make precise adjustments to their financial habits, ensuring that their spending aligns with their financial goals and priorities.

In summary, budgeting spreadsheet templates are multifaceted tools that help organize and manage financial data and empower users to make informed decisions regarding their financial well-being. Whether building savings, managing debts, or preparing for unforeseen circumstances, these templates provide a structured approach to achieving financial stability and goals.

Financial Forecasting T hrough Budget Spreadsheet Templates

A budget is also needed when estimating future funding requirements and figuring out if they can be funded internally or require external sources of financing. Internal financing uses the cash generated from the business’s standard operating activities. On the other hand, external funding refers to the capital provided by parties external to the company, such as banks or investors. Therefore, you need to use your budget to analyze how much external financing you will require.

You can chart your spending plan or budget for six months to a year after you make your first budget and keep your finances on track. Doing so lets you easily predict which months your finances could be complicated and which ones you’ll get additional revenue. Steady growth in the industry will not only happen overnight. It is also prepared with caution and needs careful planning, thorough observations, and experience in financial forecasting. By analyzing your financial affairs’ past and current state, a good management accountant creates accurate and meaningful financial forecasts. These act as a real-time benchmark for your business’s growth and  financial health .

Financial forecasting, an essential element of business planning, is commonly used as the basis for budgeting activities. The forecast puts forward a scenario the management believes is realistic. As per the definition, a budget is always wrong, and only an educated person can best guess how the financial results will turn out. However, preparing a budget is very helpful in itself as it helps management anticipate the company’s problems and requires them to find solutions in time. Therefore, financial forecasting will be very helpful for decision-making.

Budgeting Tools for Financing Decisions

If you manage the finances at work or home, an essential first step is to have a budget in place. A budget is needed to learn where you are currently spending, decide where you can save, and determine where you want your money to be spent.

A comprehensive  budget plan  is a formal statement of the management’s expectations regarding an organization’s sales, expenses, volume, and other financial transactions for the coming period. Basically, a budget is a set of  projected financial  statements. These include the forecasts of:

• Income Statement
• Balance Sheet
• Cash Flow  Statement

While forecasting an Income Statement, more clarity on future revenues, costs, and profits might be obtained. However, for many businesses, liquidity planning is even more critical. Therefore, one needs to forecast a company’s  cash flow  statement. It also requires to  forecast the Balance Sheet .

A budget is not only a tool for planning but also for taking control of finances. At the beginning of the period, building a budget plan is standard. At the end of the period, it will serve as a controlling tool to help the management measure the performance of the actual result against the forecasted budget plan so that in the future performance, it can be further improved.

It is critical to note that with the aid of today’s technology, budgeting can be used as a very effective tool for evaluating “what-if” scenarios. This way, the company can better develop the best plan or strategy against different scenarios through multiple simulations. It can be done by  financial forecasting , which helps provide the necessary data to analyze the business financing.

If the resulting data isn’t to the company’s liking, especially to the budgeted financial statements in terms of various financial ratios such as the liquidity, turnover, leverage, profit margin, and market value ratios, the company the budget serves as a basis to analyze where the problems are or its origin. The company can then act upon and change its previous strategy and  business plan . Though quite time-consuming for executives, the need to draft a new budget plan today is standard and considered good practice for responsibly managing any business.

Top Qualities of a Good Budget Spreadsheet Template

What should we look for in an Excel Budget Spreadsheet? Before you decide which Excel budget  spreadsheet template  you will acquire, here is our list of top qualities that help determine good budgeting spreadsheets.

• Allows Actual vs Budget Comparisons : This process involves using financial data to assess how closely a company’s spending and  generated revenue meets the financial  forecasting projections included in its budget. Performing regular budget vs. actual comparisons will reveal trends in your operations that could otherwise go unnoticed.
• Better Understand Cash Flows : It’s so crucial for businesses to understand the basics of cash flow and cash flow forecasting. Owners and investors need to know how a company’s operations are running, where its money is coming from, and how money is being spent.
• Focus on Short-Term: Budget plans work best for short-term periods. It allows the business to control the funding more efficiently as well as be able to compare the Actual vs Budget plan sooner. Thus, after analyzing the results, the budget plan will be updated again to ensure that there will be more improvement in the future.
• Identify Deviations from the Budget : Using  budgeting spreadsheets , your business forecast, and your P&L statements by doing a side-by-side comparison of these numbers. Afterward, you can tell where in your total operation you need to focus your attention based on the difference between expected and actual outcomes. Areas where you were below or on budget can be set aside for later.
• Track Essential KPIs : A good budget spreadsheet in Excel offers you all insights, knowledge, and especially important Key Performance Indicators (KPIs) that you would love to track and measure to develop a suitable financing decision.
• Visual Representation : Observe your budgeting flow and variances by looking into a visual representation, such as graphs and charts, to visualize your budgeting trend carefully and precisely.

Best Budgeting Spreadsheet Templates

Need  budget Excel templates ? We offer a selection of budget Excel templates used by our experienced practitioners. The spreadsheets come as Excel files and provide more insights into the  budgeting process and the ways  to present them.

The following Excel budgeting  spreadsheet templates  are used by entrepreneurs, executives, and other users worldwide, such as in the US, UK, Canada, Australia, Japan, and many more countries that need help from experienced  financial modelers  with substantial know-how.

Email Campaign Management Excel Template

The email campaign management template encompasses various activities to efficiently oversee your email campaigns, covering platforms, delivery rate e... read more

•   Excel Template  –  $49.00 Version 1.1

Equity Options Fair Value Calculator (Black-Scholes)

The Equity Options Fair Value Calculator (Black-Scholes) is your go-to tool for determining the fair market value of any stock's call or put options. ... read more

•   Fair Value Calculator  –  $24.99 Version 1

Fintech Mobile App Financial Model

A comprehensive editable, MS Excel spreadsheet for tracking Fintech Mobile App finances, including yearly Online and Offline Marketing % Opportunities... read more

•   Excel Model  –  $130.00 Version 1

Commercial Property Investment Appraisal Toolkit

Streamlined financial model for commercial property development, offering, Precise investment appraisal with residual valuation. Our financial model f... read more

•   Excel Template  –  $40.00 Version 1

Fast Casual Restaurant Financial Model

This Fast Casual Restaurant Financial Model Template has been built for use by any company founder or executive in the Fast Casual Restaurant space, I... read more

•   Excel Model Template  –  $49.99 Version 1

Fin-Wiser Custom Financial Modeling Services

Fin-Wiser provides Financial Modeling & Analysis services which can quickly uncover the financial drivers of business by analyzing different varia... read more

•   1 Hour  –  $85.00  x 
•   Full Day  –  $600.00  x 

Big 4 Accounting and Financial Services Tender Template

Innovative tender template designed to support the development of powerful tender documents to a style and standard of one of the Big Four Professiona... read more

Tool Hire Company Finance Model

A very comprehensive editable Excel spreadsheet for tracking your tool hire financials throughout the year, including 11 separate category tool hire t... read more

•   Excel Model  –  $69.95 Version 1

Profit and Loss Excel Dashboard

Manage your monthly budget through the Profit and Loss (P&L) statement and easily obtain a Dashboard with all the information you need to plan you... read more

•   Excel Template  –  $39.00 Version 1

Action Plan Excel Template Dashboard

This Excel tool is developed for project managers and business owners who want to define problems in their organization and create a solution to impro... read more

•   Excel Model  –  $29.00 Version 1

B2B SaaS Financial Model

This B2B SaaS Financial Model Template (Income Statement, Balance Sheet, Cash Flow, DCF Valuation, SaaS Metrics & Ratios) features specific SaaS metri... read more

•   Excel Template  –  $49.99 Version 2

Seed SaaS Financial Model

This Seed SaaS Startup Financial Model Template has been built for use by any company founder or executive in the Seed SaaS space, Investors or Analys... read more

Brow and Lash Bar Financial Model

This Brow And Lash Bar Financial Model Template has been built for use by any company founder or executive in the Brow And Lash Bar space, Investors o... read more

Smart Home Services’ Business – Financial Model (10+ Yrs. DCF and Valuation)

The Smart Home Services Business Financial Model with a 10+ Years DCF (Discounted Cash Flow) and Valuation provides a comprehensive analysis of the fi... read more

•   Excel Model  –  $79.00 Version 1
•   PDF Model  –  $0.00 Version 1

Surfboard Rental Business Financial Model

Surfing is not just a sport—it's a lifestyle booming globally. With eco-tourism on the rise and outdoor adventures in high demand, now's the time to... read more

•   Excel Version  –  $129.95 Version 1.2
•   PDF Version  –  $0.00 Version 1.2

Custom Financial Model Design Service

Unlock the power of strategic financial planning with The Company Doctor's Custom Financial Model Design Service. Whether you're launching a startup o... read more

•   Custom Service ― 1 Hour  –  $79.00 Version 1  x 
•   Custom Service ― 2 Hours  –  $159.00 Version 1  x 
•   Custom Service ― 3 Hours  –  $239.00 Version 1  x 
•   Custom Service ― 4 Hours  –  $319.00 Version 1  x 
•   Custom Service ― 5 Hours  –  $399.00 Version 1  x 
•   Custom Service ― 6 Hours  –  $479.00 Version 1  x 
•   Custom Service ― 7 Hours  –  $559.00 Version 1  x 
•   Custom Service ― 8 Hours  –  $599.00 Version 1  x 
•   Custom Service ― 2 Days (8 Hours per Day)  –  $1,199.00 Version 1  x 
•   Custom Service ― Investor Pitch Deck Design (20 Pages Max.)  –  $349.00 Version 1  x 
•   Custom Service ― Startup Business Plan Writing Service  –  $999.00 Version 1  x 

Bistro Restaurant Financial Model

This Bistro Restaurant Financial Model Template has been built for use by any company founder or executive in the Bistro Restaurant space, Investors o... read more

•   Excel Model Template  –  $49.99 Version 2

Real Estate Financial Model

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Indoor Rock Climbing Gym Financial Model

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Solar Energy Financial Model (10 Year Financial Forecast)

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•   Sales Tracker  –  $45.00 Version 1

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•   ntuitive Planning Tool  –  $28.00 Version 1

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Inventory Tracking Model

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Underwriting Model with T12 and T3 Historical Reference Mapping

Plan out the feasibility of acquiring a company based on historical financials and expected projections / exit multiples. There are mostly top-down as... read more

•   Full Version  –  $45.00 Version 1

Ethnic Restaurant Financial Model

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Solar Farm Installation (Design, Build, Construction) Financial Model

A comprehensive editable, MS Excel spreadsheet for tracking Solar Farm Installation finances, including construction plant hire costs, SCADA Installat... read more

•   Excel Model  –  $50.00 Version 1

Budget Hotel Financial Model

This Budget Hotel Financial Model Template has been built for use by any company founder or executive in the Budget Hotel space, Investors or Analysts... read more

Silver Mining Financial Model

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Financial Projection Model for Sales and Purchases on Account

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Client Pipeline Manager with Up to 6 Stages

This template makes it easy to always have a current snapshot of all your clients and where they are in the sales pipeline process. Excel and Google S... read more

Custom Financial Modeling Services

We are dedicated to providing customized financial solutions designed exclusively for our clients. Our Custom Financial Model Service is tailored to m... read more

•   Custom Financial Model Service (1 Ticker/Stock)  –  $100.00 Version 1  x 
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Pareto Analysis Model

Enhance both the efficiency and effectiveness of your data analysis and decision-making processes with this useful template for management.

Food Bar Financial Model 5 year 3 Statement

A comprehensive editable, MS Excel spreadsheet for tracking Food Bar & Cafe finances, including yearly Online and Offline Marketing % Opportunitie... read more

•   Excel Model  –  $40.00 Version 1

Toy Manufacturer Finance Model Excel Template

A comprehensive editable, MS Excel spreadsheet for tracking a Toy Manufacturing company finances, including yearly Online and Offline Marketing % Oppo... read more

•   Excel Model  –  $95.00 Version 1

Project Management SaaS Financial Model

This Project Management SaaS Financial Model Template has been built for use by any company founder or executive in the Project Management SaaS space,... read more

Pre-Seed SaaS Financial Model

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Real Estate Commissions Tracker

Excel spreadsheet designed to help you track, monitor, and analyze your property commissions

•   Excel Calculator  –  $29.99 Version 1

Bookkeeping Agency Finance Model Excel Template

A comprehensive editable, MS Excel spreadsheet for tracking Bookkeeping services finances, including yearly Online and Offline Marketing % Opportuniti... read more

•   Excel Model  –  $90.00 Version 1

Industrial Real Estate Financial Model

This Industrial Real Estate Financial Model Template has been built for use by any company founder or executive in the Industrial Real Estate space, I... read more

AirBnb (10-year) Financial model

Airbnb has revolutionized the way we travel and experience new destinations, offering unique accommodations and experiences around the globe. For inve... read more

•   Excel Model  –  $99.00 Version 1
•   Free PDF  –  $0.00 Version 1

Accounts Receivable Dashboard

Enhance Accounts Receivable Management with Excel Spreadsheet Template

•   Excel Template  –  $49.00 Version 1

Mobile Workforce Finance Tracker

Track the expenditure of your mobile workforce with this Excel template.

•   Excel Tracker  –  $30.00 Version 1

Absenteeism Report Excel Template

The purpose of this spreadsheet is to define the absenteeism of the company in numbers, through the Absenteeism Report.

•   Excel Template  –  $29.00 Version 1

Diner Restaurant Financial Model

This Diner Restaurant Financial Model Template has been built for use by any company founder or executive in the Diner Restaurant space, Investors or ... read more

Semiconductor (Microchip) Manufacturer Financial Model

Our Semiconductor Manufacturer Financial Model is a powerful tool designed to streamline financial processes and maximize profitability. Key highlight... read more

•   Excel Model  –  $89.00 Version 1

Organic Farm Financial Model

This Organic Farm Financial Model Template has been built for use by any company founder or executive in the Organic Farm space, Investors or Analysts... read more

Anti-Aging Clinics Chain Financial Model

The financial model for the Anti-Aging Clinics Chain is designed to analyze and forecast the financial performance of the clinics by incorporating det... read more

•   Full Excel Version  –  $130.00 Version 1
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Google [Alphabet, Inc.] Financial Model

Looking for a basic financial model with hardcoded numbers of Google [Alphabet, Inc.], then we can help you with that. Here, we are sharing the hardco... read more

•   Google _Model  –  $10.00 Version 1

A Chart Showing Three Dimensions of Data

A professionally-designed chart which can show data in three measurements

•   Full price  –  $5.00 Version 1

HR KPI Dashboard Excel Template

Elevate Your HR Insights with this Comprehensive KPI Dashboard!

•   Excel Template  –  $49.00

3 Statement 5 Year SAAS HR Software Development Company Finance Model Excel Template

A comprehensive editable, MS Excel spreadsheet for tracking SAAS HR software development company finances, including yearly Online and Offline Marketi... read more

•   Excel Template  –  $85.00 Version 1

Clustered Stacked Column Chart

A smart column chart showing three dimensions of data.

•   Full price  –  $15.00 Version 1

3-Statement Financial Model

3-year financial model that is specially designed for early-stage companies.

•   3-Statement-Excel-Model-with-5-year-Forecast.xlsx  –  $39.00 Version 1

SaaS Startup Financial Model

This SaaS Startup Financial Model Template (Income Statement, Balance Sheet, Cash Flow, DCF Valuation, SaaS Metrics & Ratios) has been built for use b... read more

Dog Grooming Business Financial Model

A comprehensive editable, MS Excel spreadsheet for tracking Dog Grooming Business finances, including yearly Online and Offline Marketing % Opportunit... read more

•   Full Excel Model  –  $90.00 Version 1
•   PDF How-to Walkthrough  –  $0.00 Version 1

Beach Hotel Financial Model

This Beach Hotel Financial Model Template has been built for use by any company founder or executive in the Beach Hotel space, Investors or Analysts l... read more

Yoga Studio Business Plan & Profit Plan (in-person and online classes and workshops)

Template for making a detailed projection for your Yoga studio. Before opening your yoga studio, you need to have a business plan. Your yoga business ... read more

Wind Energy Project Finance Model

The financial model is a template for Wind energy power project with all the standard workings which can be tweaked for region/country specific regula... read more

Project Report Template

A simple and easy to follow report template

•   Project Report Template  –  $28.00 Version 1

Fintech Financial Models Bundle

A collection of five Fintech Financial Models offered at a discounted price you can’t miss!

•   Template Bundle  –  $480.00 Version 1

Logistics Company Finance Model

A comprehensive editable, MS Excel spreadsheet for tracking logistic company finances, including yearly summary tabs, integrates Income Statements, Ba... read more

•   Excel Model  –  $85.00 Version 1

Graphic Design Company Financial Model Excel Template

A comprehensive editable, MS Excel spreadsheet for tracking Graphic Design Company finances, including yearly Online and Offline Marketing % Opportuni... read more

•   Excel Template  –  $80.00 Version 1

Buffet Restaurant Financial Model

This Buffet Restaurant Financial Model Template has been built for use by any company founder or executive in the Buffet Restaurant space, Investors o... read more

Human Resource Management (HR / HRM) SaaS Financial Model

Human Resource Management (HR / HRM) SaaS Financial Model Template has been built for use by any company founder or executive in the HR / HRM SaaS spa... read more

Boutique Hotel Financial Model

This Boutique Hotel Financial Model Template has been built for use by any company founder or executive in the Boutique Hotel space, Investors or Anal... read more

Mushroom Farm Financial Model

This Mushroom Farm Financial Model Template has been built for use by any company founder or executive in the Mushroom Farm space, Investors or Analys... read more

Resort Hotel Financial Model

This Resort Hotel Financial Model Template has been built for use by any company founder or executive in the Resort Hotel space, Investors or Analysts... read more

Consulting Industry Impact Measurement Tool

Supports the demonstration of difference made for Consultants, Accountants, advisors and other professional services. Based on strong academic researc... read more

Expense Analysis Excel Dashboard

This spreadsheet is a comprehensive tool for monthly spend analysis, including actual and estimated costs.

•   Excel Dashboard  –  $39.00 Version 1

Custom financial modeling services for start-up companies, operations and projects.

•   1 Hour  –  $65.00 Version 1  x 
•   4 Hours  –  $260.00 Version 1  x 
•   8 hours  –  $520.00 Version 1  x 

Invoice Tracker – Actual Example and Template

Simple and Invoice Tracking System that helps you track and manage invoices. also includes a sample invoice that can easily be developed for your busi... read more

•   Excel Template + Example Invoices  –  $38.00 Version 1

Meal Plan Business – Financal Model

Meal Plan Business - Financial Model for the financial feasibility of operating an Online Meal Plan Business/Platform

McKinsey 7S Model Excel Template

Originating in the late 1970s by consultants at McKinsey & Company, the McKinsey 7S framework is a strategic management tool designed to align sev... read more

Trading Company with Own Store Financial Model

This financial model template can be used for a trading company that buys/imports goods and sells it through its own store.

•   Excel Model  –  $15.00 Version 1

Pizzeria Restaurant Financial Model (Income Statement, Balance Sheet, Cash Flow, DCF Valuation, Restaurant Metrics & Ratios)

This Pizzeria Restaurant Financial Model Template has been built for use by any company founder or executive in the Pizzeria Restaurant space, Investo... read more

AgTech Startup Financial Model

A comprehensive editable, MS Excel 5 Year 3 Statement spreadsheet for tracking AgTech Startup financials, development channels, summary tabs, Income S... read more

•   Excel Model With Marketing Scenarios  –  $95.00 Version 1
•   Financial Model  –  $85.00 Version 1

Travel Mobile App Financial Model

This Travel Mobile App Financial Model Template has been built for use by any company founder or executive in the Travel Mobile App space, Investors o... read more

Games Mobile App Financial Model

This Games Mobile App Financial Model Template has been built for use by any company founder or executive in the Games Mobile App space, Investors or ... read more

Medical Record Template Dashboard

Medical Record Template helps the doctor to know the patient’s health history. Medical Record Templatewill help you to track the patient’s health ... read more

Cohort Modeling Framework for SaaS – Historical Data Analysis

A simple framework for any recurring revenue business (SaaS or otherwise) to drop in their historical customer purchase data in order to see spending ... read more

•   Excel Template  –  $75.00 Version 1

Strip Mall Acquisition Model – Up to 30 Tenants

Analyze various strip mall acquisition deals with this model. Includes two waterfall options for joint ventures if applicable.

•   Full Version  –  $75.00 Version 1

Olive Orchard Farm Financial Model

This Olive Orchard Farm Financial Model Template has been built for use by any company founder or executive in the Olive Orchard Farm space, Investors... read more

Urgent Care Clinic Financial Model

This Urgent Care Clinic Financial Model Template has been built for use by any company founder or executive in the Urgent Care Clinic space, Investors... read more

Business Hotel Financial Model

This Business Hotel Financial Model Template has been built for use by any company founder or executive in the Business Hotel space, Investors or Anal... read more

Full Digital Transformation Excel Toolkit

Revolutionize your business with the Complete Digital Transformation Excel Toolkit. Streamline processes, enhance productivity, and future-proof your ... read more

•   Full Version  –  $89.00 Version 1

Air Conditioning Supplier Financial Model 5 Year 3 Statement

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•   Excel Financial Model  –  $80.00 Version 1

Events Planning Forecast Model

The Events Planning Forecast model is a financial projection model tailored to the events planning industry with a DCF valuation.

•   Full Version  –  $55.00 Version 1
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Lithium Mining Financial Model

This Lithium Mining Financial Model Template has been built for use by any company founder or executive in the Lithium Mining space, Investors or Anal... read more

UPtick Custom Financial Modeling Services

Providing you professional Financial Modeling services for your business needs.

•   1 Hour  –  $99.00  x 
•   8 Hours  –  $700.00  x 

Restaurant Aggregator and Food Delivery Business Financial Model Template

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Process Management Suite – Google Sheets Template

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Expense Tracker with Budget vs. Actual

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Financial Product Management Excel Template

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Medical Center Financial Model 5 Year 3 Statement

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•   Excel Template  –  $90.00 Version 1

LBO Calculator

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Car Detailing Financial Model

A comprehensive editable 3 Statement MS Excel spreadsheet for tracking Car Detailing business finances, including yearly Online and Offline Marketing ... read more

Dental Clinic Financial Model

This Dental Clinic Financial Model Template has been built for use by any company founder or executive in the Dental Clinic space, Investors or Analys... read more

CleanTech Startup Financial Model

A comprehensive editable, MS Excel spreadsheet for tracking CleanTech Startup finances, including yearly Online and Offline Marketing % Opportunities ... read more

•   Excel Model Including Marketing  –  $95.00 Version 1

Free Monthly Budget Spreadsheet Template (Excel & Google Sheets)

Are you looking for a comprehensive budgeting tool? Look no further! Download our free monthly budget template to easily track your spending and take control of your finances. Our budget spreadsheet template, available for both Excel and Google Sheets, is designed to help you organize your finances efficiently.

Free Monthly Budget Template

• This simple monthly budget template makes budgeting fun and exciting .
• It comes complete with an easy-to-follow set of instructions so you can get started budgeting in no time.
• No need to reach for the calculator. The budgeting spreadsheet performs the calculations automatically .
• Access your budget spreadsheet online from anywhere so you never forget to track an expense.

Download Excel

Download Google Sheets

What’s Inside The Monthly Budget Template

• Detailed instructions on how to use the budget spreadsheet
• Budget dashboard with 3 different charts and helpful summaries
• Expense tracker where you can track your spending by category (and add expenses to your budget automatically)
• Quick summary of main budget categories so you know how much you have left to spend in each of them
• Budgeting tools & resources that will help you improve your budgeting skills

How It Works

Request your copy by filling in the form above . We’ll send you an email with the download link for the budget template in Excel and a link to make a copy of the Google Sheets budgeting template.

You can download the Excel file to your computer by clicking on the ‘ Excel ‘ button in the email.

How to Use the Google Sheets Budgeting Template

In order to use the Google Sheets budgeting template, you will need a free Google account.

Once you click on the ‘ Google Sheets ‘ button in the email you received the template will open in your browser. You will be asked to make a copy of the template. Click on the ‘ Make a Copy ‘ button it will get saved to your Google Drive account. That’s it!

If you’re having trouble using our monthly budget template or would just like to chat send us an email at [email protected] .

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How to create a budget in Excel (with free templates)

Learn how to create a spreadsheet budget that’s customized to your goals..

Maintaining a budget is crucial for a strong financial plan. As you set goals for your spending, saving, investing, and other financial objectives, your budget makes it possible for you to put your plans into action.

There are several different ways you can create a budget, and many budgeting apps have built-in tools to make the process easier. But if you have privacy concerns or you want the ability to customize your budget in a way that works for you, an Excel spreadsheet — or Numbers if you own a MacBook — can be a great choice.

Here's what you need to know about how to create a budget in Excel and some of the alternatives to consider.

How to create a budget in Excel in 5 steps

Excel can be a great option for new budgeters trying to find an approach that works for them, as well as experienced budgeters who want full control over the process. Here are some steps you can take to get started.

1. Choose your approach

Depending on your budgeting experience and what you want to do, you may decide to build your budget spreadsheet on your own or use an existing Excel budget template.

If you're new to budgeting, a template can give you a framework to get an idea of what works for you and what doesn't. It can also provide crucial features, including formulas, that can be helpful for people who don't have a lot of experience using Excel. We’ve included a template below, but you can always search online for other options.

However, if you've been doing this for a while or you know your way around an Excel spreadsheet, you may opt to build your spreadsheet on your own.

2. Review income and expenses

Take a look at your income and expenses over the last few months to get an idea of how much money you take home and where it goes.

Regardless of how complex you want your budget to be, it may be a good idea to categorize all of your expenses as you begin to help you determine how much money you want to allocate toward your financial goals versus your lifestyle.

3. Construct your budget

If you're not using a template, you'll want to create your Excel budget based on your preferred approach. If you want a simple approach, for instance, you can create more general budget categories, such as:

Necessary expenses

Debt payments

Savings and investments

Charitable contributions

Discretionary spending

Alternatively, if you want a more detailed view of your spending with a zero-based budgeting approach , you could break those down into further categories. For example, under necessary expenses, you could list out your rent or mortgage payment, insurance premiums, groceries, utilities, childcare, clothing, and medical expenses.

For discretionary spending, you could include streaming subscriptions, other entertainment, dining out, and other lifestyle-related expenses.

Read more: 7 ways to save money on a tight budget

4. Set your spending goals

Each month, you'll want to evaluate your upcoming expenses and decide how much you want to spend in each category of your budget.

Fixed expenses such as rent, internet, phone bills, and debt payments typically won't change over time, so you don't have to update them every month. For other variable expenses, however, you can make adjustments based on planned activities and your financial goals.

As you go through this process each month, don't forget recurring expenses that don't get charged every month. For example, you may have an auto insurance premium every six months, and if you forget to account for it in your budget, you may end up overspending. A sinking fund for one-off or infrequent expenses can help you plan for them.

Read more: Fixed vs. variable expenses: Key differences and how to budget for each

5. Determine how strictly you want to stick to your budget

If you're in a relatively good financial situation, you may have the freedom to give yourself some flexibility with your budgeting goals.

However, if you're struggling to get by or you have important financial obligations or objectives to satisfy, you may be more willing to align your spending with your monthly goals.

You'll also need to determine how often you want to update your budget. Because this requires you to log in to your financial accounts to track your expenses, daily updates can be onerous.

However, updating your transactions only once a month can make it hard to evaluate how well you're sticking to your budget. As a result, once a week is often a good cadence.

Read more: Struggle with budgeting? Following the 50/30/20 rule could be your solution.

6. Reassess your approach

It can take several months for you to find the right balance with your budget, especially if you're creating one for the first time.

As you track your spending each month, evaluate how effective you are at working toward your goals. If you notice that some of your goals are too rigid or relaxed, make adjustments as you go.

While you'll be bombarded by specific advice about how you should manage your money, you'll find that creating a budget is personalized to your needs and priorities can help you minimize unnecessary stress.

Excel budget templates

If you're thinking about using a template to help you design your budget, here are a few options you can try, including budget templates for specific savings goals:

Free personal budget template

This is a basic template for tracking your personal income and expenses.

Free family/household budget

If you have a large family or multiple members of your household, this budget template can help you budget as a unit.

Free wedding budget template

If you're saving money for a wedding , this budget template can help you plan for the big day.

Free holiday shopping budget template

The holidays can easily derail your budget if you aren't careful. Use this budget template to plan for the upcoming holiday season and keep your spending in check.

Read more: What is a holiday savings account?

Excel budget alternatives

If you're not sold on using Excel to manage your budget, or you simply want other options to compare, here are some to consider:

Google Sheets: One of the downsides of using Excel is that it lives strictly on your hard drive — cloud access requires a subscription. If you want the flexibility to manage your budget wherever you are, you could consider Google Sheets instead. Google Sheets is also free to use.

Budgeting apps: Budgeting apps make it easy to manage your money by providing a template, usually with customization options to personalize your budget. Many of them also allow you to import transactions from multiple financial accounts into one place, making it easier to track your spending with little effort. That said, many budgeting apps also charge monthly or annual subscription fees.

The bottom line

Creating an Excel budget can help you better manage your money and accomplish your financial goals. But depending on your experience with the spreadsheet program and your preferences, you may want to consider using a template to help you get a framework to build on.

If you're not familiar with Excel at all or you simply want to save time, consider a budgeting app that can help by doing some of the legwork associated with budgeting. Regardless of what you decide to do, it's crucial that you find the best approach for you.

Free Budget Templates for Excel

The preset budget templates you can apply in File > New are a subset of all available budget templates. To access the full range of available budget templates, visit https://create.microsoft.com/en-us/templates/budgets and explore budget templates designed for different purposes, from regular monthly budgets to wedding, college, or home-ownership budgets.

Family Monthly Budget Template

This free budget template doesn't have complex visualizations but lets you keep track of your family's monthly expenses with little effort. It's a simple monthly budget template for beginners that requires you to create a separate budget spreadsheet file for each month of the year.

To use this Excel budget template, click the Customize in Excel or Download button on the Family Monthly Budget Template page:

  -  The details of your expenses are entered on the Monthly expenses tab by selecting an expense type from the cell drop-down list , entering the projected cost at the beginning of the month, and updating the actual cost throughout the month:

  -  The list of available expenses is updated on the Expenses categories tab:

  -  The auto-updating pivot table on the Expenses summary tab provides an aggregated view of your monthly spending:

A family or individual can use this simple, accessible, yet powerful budget template to track monthly income, expenses, and total cash flow. Family budgeting is easy when you follow this sample budgeting template in Excel. This family budget template provides a clear cash flow analysis of projected vs. actual income and expenses.

Semi-Monthly Budget Template

This free budget template is for the whole year. This biweekly budget template worksheet is for you if you get paid twice a month and need to plan your expenses accordingly. Thanks to advanced features such as slicers and a timeline, you can use this budgeting spreadsheet for multiple years.

To use this Excel budget template, click the Customize in Excel or Download button on the Semi-Monthly Budget Template page.

  -  The Dashboard tab includes charts for monthly and yearly totals and a table for bi-weekly income and expenses (see above).

  -  The details of your income and expenses are entered on the Expenditures & income tab:

• The expense category is selected from the auto-updating drop-down list .
• The expense description is selected from the dependent drop-down list .

  -  The list of expense categories and descriptions is updated on the Data lists tab:

  -  The Budget report tab provides visualization and filtering of expense data:

This budget template provides a variety of tools for analyzing your expenses. However, it doesn't provide projected income and expenses like the Family Monthly Budget Template . The easiest way to solve this problem is to add projected rows on the Dashboard tab or create a full-featured Monthly Expenses tab with actual and projected amounts.

Holiday Budget Planner Template

This free budget template helps you track expenses for entertainment, gifts, travel, and more for extended family vacations and events. Holiday and vacation budgeting is much easier with this Excel template that instantly calculates the difference between projected costs and actual spending.

To use this Excel budget template, click the Customize in Excel or Download button on the Holiday Budget Planner Template page:

There is only the Holiday Budget Planner tab in this budget planner template. The lack of complex data tools and formulas makes this template easy to understand and adapt to its needs, even for beginners.

Home Construction Budget Template

This free budget template helps you quickly see if you are within your home construction budget and if any funds are available. Before you start a construction project, it is important to create a budget and write down all the costs associated with the project, including labor, materials, and fixed costs.

To use this Excel budget template, click the Customize in Excel or Download button on the Home Construction Budget Template page.

  -  The Budget Summary tab provides a high-level view of your home improvement or construction project.

  -  The Itemized Expenses tab tracks labor, materials, and home construction costs breakdown against your original estimates. You must create a detailed budget by estimating how much each will cost and keep track of your costs. Therefore, it is better to add a projected cost column at the beginning and compare allotted funds to the projected costs:

Note : The Data Bars in the Amount cells do not represent the used/remaining fraction. They show the cost relative to the most expensive item.

Personal Net Worth Template

This free Excel template is designed to visualize a summary of assets and debt. The personal balance sheet helps individuals and households determine their financial health, create a budget, and define goals. This personal balance spreadsheet lists all personal assets, anything owned with financial value, and all personal liabilities and debts owed to financial institutions. The net worth or equity is an amount the individual or household would have if they sold all assets and paid off all liabilities.

To use this Excel budget template, click the Customize in Excel or Download button on the Personal Net Worth Template page.

  -  The Personal Net Worth tab shows a net worth and a summary of your assets and debt.

  -  The Assets tab contains a categorized list of assets like cash, real estate, investments, life insurance, and investments:

  -  The Debt tab contains a categorized list of liabilities like mortgages, loans, and other debts:

Further Reading

If you use one of the above templates, you may need to add or modify individual components. The following links to the articles may help you understand and customize the budget templates:

• How to create drop-down list in Excel cell
• How to create an automatically extended or dynamic drop-down list
• How to create a dependent drop-down list
• How to create a computable drop-down list
• Creating and using named ranges

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Download 73+ Budget templates in Excel and Spreadsheet for personal and business use. This page offers wide range of Budget excel templates . You can organize and compute budget for your fundraiser event , any other events, family and household budget, small to medium sized business budget.

Furthermore, you can find budget templates related with business trips and dashboards for event budget to get infographic result in your excel computation sheet.

Budget Templates are useful in any business organization to have proper plan and fund allocation in place in terms of mobilization of funds and resources . Hence, budgeting is one of the crucial part of any event or business transaction.

Here, budget excel templates can be for personal use and business use .

• In personal use cases, you can use these budgeting sheets as living expenses excel template, grocery list template, joint expenses tracking spreadsheet, manage multiple bank accounts, family trip budgeting, check book tracker, stock investment tracker and budget and many more.
• If we talk about business use cases, budgeting templates can be useful for project budget template, notion budget template, budget proposal template, budget calculator template, budget google sheets, cash flow budgeting excel template and many more.

Manage My Money

Manage money with an Excel template that shows you monthly income, savings, and expenses in a handy, easy to understand pie chart. That way, you’ll always know how much you’re spending versus saving. Managing bills is easier when you have an overall view of your financial health.

Monthly Budget

Make your own accessible Monthly Budget or use as a guide to create new templates usable by people who are blind or have low vision. Additional information at the end helps you learn accessibility requirements for charts and data bars.

Monthly Food Budget

See food expenses at a glance with this accessible budget template. It breaks down spending by category and date. Totals are calculated for you in each category and at the top for a grand total where you can easily compare spending against budget.

Marketing Event Budget

Plan your marketing event with this accessible budget template. Set up various expense categories and estimate the costs of each. See at a glance which categories have the highest costs with the category chart.

Personal Budget Worksheet

Manage your personal budget with this template that tracks your yearly income and expenditures. The monthly break down makes this template easy to use.

Family Monthly Budget

Do you have more or less money each month than you expect? Estimate what your monthly income and expenses are, and then enter the actual numbers to see the difference with this budget template.

Monthly Budget Planning

this personal budget template shows your income, expenses, savings, and cash balance at a glance to help you track how you’re doing from month to month.

Monthly College Budget

Allows a college student to track their monthly budget by simply entering information into a variety of customizable categories. Cool charts, a slick slider, and Sparkline make tracking your budget fun! This is an accessible template.

Personal Budget

An Excel budget template makes it easier than ever to manage your finances. Simple in design, this personal budget template shows your income, expenses, savings, and cash balance at a glance to help you track how you’re doing from month to month.

Personal Monthly Budget

Make your financial health a priority with this Excel monthly budget template. It tracks your monthly expenditures by income and expenses, including housing loans, transportation costs, and more.

Website Budget Tool

This template enables budgeters to enter potential costs and benefits for a Web initiative over a three-year period. The template calculates the return on investment (ROI), which is expressed in net present value (NPV), internal rate of return (IRR), and payback period.

Watercolor Wedding Budget

Keep your wedding budget lighthearted and joyful with this water color wash budget template. Create a beautiful budget for your or your client’s wedding. Organize the expenditures.

Simple Budget Tool

Anyone looking for an easy way to track their money can use this monthly budget. A budget template helps you more quickly and easily stay on top of your finances. Input income and expenses into the customizable tables and watch Excel do the rest.

Wedding Expense Comparison

Track budgeted and actual wedding expenses and compare with total wedding budget. This template is helpful for wedding planners and wedding consultants. Optimize wedding cost for your potential clients.

Wedding Expense Budget

Plan the budget for your wedding, and then track the actual expenses against your estimates with this accessible wedding budget template. A bar chart keeps you on track visually, and exclamation points show you at a glance which items are over or under budget.

Wedding Budget Planner

Making a budget for a wedding need not be a chore with the right tools. Keep track of your budget for wedding expenses with this complete planning template. Whether you’re planning a budget wedding or a grand affair, staying within a budget makes good financial sense.

Wedding Budgets

Monitor the budget of your wedding reception, music, apparel, decorations, and more with this detailed template. Charts and other visual cues will help you stay on track. Easily change the colors and fonts in this template to match your wedding theme.

Website Budget

Manage your website development project expenses with this accessible three-year budget template. Estimate annual hardware, software, and development costs for building and maintaining your company’s site, as well as the benefits the site will produce.

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Billing statement (simple), financial projection for startups, purchase return book, employee absent rate calculator, family budget planning, sales pipeline tracker, project milestones, weekly attendance records, project to do list, employee attrition rate calculator, employee payslip, data analytics and computation made easier with free excel templates.

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Excel Personal Budget Template

Track your finances with this free, easy-to-use personal budget template for Excel.

This simple workbook includes sheets for tracking expenses, income, and cash flow. Easily customize categories. Or add a partner to manage household budgets.

Excel format provides customizable and expandable budgeting workbook. Take control of your money with this simple, 3-sheet personal finance template today.

Track money in a spreadsheet 10X faster with Tiller

Only Tiller automatically tracks your spending, balances, and budgets in Google Sheets and Excel, so you can see all your finances in one place and manage your money, your way. Tiller includes easy templates, stellar support, and a helpful user community. All with complete ownership of your data and no ads.

This is a free template built by a member of the Tiller Community. While it’s free for anyone to use, it’s designed for spreadsheets  automated by Tiller . Additionally, it’s recommended for use within the  Foundation Template .

Tiller is the only automated personal finance service for Google Sheets and Microsoft Excel. Tiller automatically imports your daily spending, income, and balances in your spreadsheets, so you can see all your finances in one place and manage your money, your way.  Learn more →

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Add function and flair with Excel templates

Whatever you use excel for, there are customizable design templates that'll help you get started on your next project. find templates that'll jumpstart your work the next time you need to crunch some numbers., planners and trackers.

Stay on top of all the important details with easily customizable templates for planners and trackers. From inventories to budgets and client meetings, find a template to keep it all organized.

Whether you're creating editorial calendars, promotional calendars for customers, or something for yourself, keep life on track with helpful and easily customizable calendar templates.

While a schedule won't give you more hours in the day, it will keep those hours organized. Find templates for class schedules, sports teams, and more to help you stay on time.

Branded invoice templates bring a professional touch to your billing. Use easily customizable templates to bring your personal style or business branding to your invoices.

Financial management

From budgets to loan calculators, find templates that help take the guesswork out of accounting and money management.

Start with the best Excel templates

A hassle-free way to create custom, useful Excel spreadsheets

Create custom budgets, invoices, schedules, calendars, planners, trackers, and more with easily customizable Excel templates. You don't need to be an expert in design or Excel. Here's how:

1. Find the perfect Excel template

2. Customize your creation

3. Show it off

Let's create an excel spreadsheet, frequently asked questions, what is a template in excel.

A template for Excel is a pre-built spreadsheet or workbook that's already formatted, organized, and populated with formulas tailored for its purpose. If you need to organize or plan something, there's probably an Excel spreadsheet or workbook template perfect for the task. You can use pre-built Excel templates for time management, budgeting, project planning , and much more.

What kind of Excel templates are there?

There's an Excel template for practically any number-related document you'll need. Planning an event with a budget? Find a budget template for your needs. Want to stay organized with your everyday tasks? Customize an Excel calendar that you can print and write on or type directly into. Does your business need to send an invoice to a customer? Use an Excel invoice template that you can add your logo and business colors to. If you need to stay organized and see a lot of information at once, using an Excel template is the way to go.

What can I use Excel templates for?

You can use Excel templates to unlock the full functionality of your spreadsheets. Excel is way more than rows and columns: You can use it to organize your personal life, your professional tasks , manage your time , boost your productivity, and more. See what you can do with Excel when you start with a customizable template.

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