● Free template · no sign-up
Free simple monthly budget template
One month on one tab: what you planned to spend, what you actually spent, and how it splits into needs, wants and savings. No sign-up, no email: just the file.
What's in it
- Take-home pay and up to 18 categories, each marked Need, Want or Save
- Planned vs actual, with the difference highlighted when you overspend
- The 50/30/20 check on what you actually spent, and your real savings rate (savings, extra debt payments and whatever is left over)
- Filled in with an example month ($5,200 take-home) so you can see how it works; replace the yellow cells with your own numbers
Checked like everything on this site: all formulas recalculate with zero errors, and every total was compared with an independent calculation. Works in Excel and Google Sheets (File → Import).