Free Budget Templates – Excel Spreadsheets, No Sign-up

Free budget templates

Four spreadsheets that use the same formulas as the calculators on this site. Download, open in Excel, LibreOffice or Google Sheets, and change the yellow cells. No sign-up, no email.

Preview of the monthly budget spreadsheet: categories with percentages, planned amounts and a needs, wants and saving summary.

Monthly budget (50/30/20)

Plan where every part of your take-home pay goes, compared with the 50/30/20 rule of thumb, and track what you really spent.

Type your monthly take-home income in the yellow box.
Change the % for each category, or add your own in the empty rows (choose Needs, Wants or Saving).
During the month, fill in "Actually spent" and look at the difference.

Download .xlsx (6 KB)Download .csv

Prefer to try it first? Use the household budget calculator.

Preview of the debt tracker spreadsheet: three debts, the payoff month of each, and total interest for avalanche and snowball.

Debt tracker: avalanche vs snowball

List up to 8 debts and see the month each one is paid off, the total interest and the debt-free date, with both payoff orders side by side.

Enter each debt's balance, interest rate and minimum payment.
Type what you can add on top of the minimums each month.
Compare the avalanche and snowball results and pick the order you'll stick with.

Download .xlsx (173 KB)Download .csv

Prefer to try it first? Use the debt payoff calculator.

Savings goal tracker

Work out the monthly amount for a goal and date, then log what you really put aside and watch the progress bar fill.

Enter the goal, what you already have, the months to go and the interest rate.
Set up an automatic transfer for the "Save per month" amount.
Each month, type the real deposit; the balance and progress update.

Download .xlsx (8 KB)Download .csv

Prefer to try it first? Use the savings goal calculator.

Net worth tracker

Add up what you own and what you owe, and record your net worth once a month to see the trend.

List your accounts, investments and other things you own, with today's values.
List what you owe: mortgage, loans, cards.
Once a month, copy the two totals into a new row of the history table.

Download .xlsx (7 KB)Download .csv

Prefer to try it first? Use the my money plan.

Good to know

Formulas only in the .xlsx files. The .csv files hold the same layout with example numbers, for apps that can't open .xlsx.
No macros and no links to other files, so they open without security warnings.
Google Sheets: in Google Drive choose New, then File upload, and open the .xlsx with Google Sheets. The formulas keep working.
Checked against the calculators. Before publishing, each spreadsheet was recalculated and its results compared with the matching calculator on this site: budget amounts, the monthly saving for a goal, and for the debt tracker the debt-free month, total interest and payoff order in three test cases.
The debt tracker looks 15 years ahead. If a debt would take longer at your payments, it says so instead of a month.

Want a one-page list to stick on the fridge? Print the money checklist.

Last reviewed 24 Oct 2026

Education, not advice. I'm not a financial adviser and I don't know your situation. These tools show the maths behind common rules of thumb; check important decisions with a qualified professional. Full disclaimer.