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10 Free Household Budget Spreadsheets

January 5, 2020 By Bob Lotich 166 Comments

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A reader recently asked me if I knew of any good and free budgeting spreadsheets – specifically a household budget template for Excel.

Personally, I love Excel and get a kick out of building spreadsheets, but I know not everyone is as interested in that as I am. 😉

A bunch of free budgeting spreadsheets available to download...Personally, I love Excel and get a kick out of building spreadsheets, but I know not everyone is as interested in that as I am. ;) But whether you like to create spreadsheets or just like to use them, we have a lot of good options for you! <br/>Each one of the sheets below are free and are designed to be used with Excel, but will more than likely work if you use OpenOffice (basically a free version of Microsoft Office). Some may also work with Google Docs, but I have had bad luck with some of my imports into Google Docs....

But whether you like to create spreadsheets or just like to use them, we have a lot of good options for you!

The Free Sheets below…

Each one of the sheets below are free and are designed to be used with Excel, but will more than likely work if you use OpenOffice (basically a free version of Microsoft Office). Some may also work with Google Docs, but I have had bad luck with some of my imports into Google Docs.

What is best for you?

Each of the budgeting sheets below have their own strengths and weaknesses, so give try them out, see what works, and make tweaks and changes if necessary. If you have a spreadsheet that you have built or have found (that is free to distribute) please provide a link to it in the comments below.

New to budgeting?

Long story short, I have been testing out budgeting apps, software, and spreadsheets for the last 13 years (I know pretty nerdy). And I struggled to find anything that worked for Linda and I until we discovered the Real Money Method.

What’s the Real Money Method?

It is a simpler, easier, and more effective alternative to traditional budgeting.  So if you have struggled with budgeting in the past and just want a simple solution that works, definitely check it out.

10 free budgeting spreadsheets

Household budgeting Spreadsheets

Here are all the personal budgeting templates listed in no particular order. If you want to see them in action you can check out this video here.

1. Premium Budgeting Spreadsheet

This is my favorite Excel sheet I have found, but the downside is that is only a free demo, but the full-version is $15. Premium Budgeting Spreasheet

Download

2 Household Budgeting Spreadsheet

This user-friendly Excel family budget template has just the right amount of features to help you get your budget in order.

Personal budget spreadsheet

Download: Click here to download 

3Financial Snapshot and Budget

A colorful and easy way to track your budget and overall Financial Snapshot!

financial snapshot and budgeting spreadsheet

Download: Excel File (XLS) | Google Docs

4Williams Budgeting Sheet

A monthly budget spreadsheet complete with written and video tutorial on how to use it. Also has a handy fuel calculator.

Words of Williams Budgeting Sheet-1

Download: Newsletter sign up required

5Free Budget Template

This one is a spreadsheet and includes a PDF budgeting worksheet version as well. It was created by a CPA, so that says something right there.

Download: Newsletter signup required 

6Zero-Based Budget Spreadsheet

This one is good if you are trying to add up income and expenses and find the difference between the two.

EOD Budget spreadsheet

Download: Excel File (XLS) | Google Docs

7Wedding Budget Template

This sheet provides you with all of the possible categories to create your wedding budget, a place to estimate your spend as well as tracking your actual spend.

Download this wedding budget template or 9 others for FREE here

Download: Download XLS or Google Sheets 

8GLBL Budget Spreadsheet

Simple it is different than most because it works by pay period, rather than by month.

glbl-household-budget-template

Download: Excel File (XLS) 

9Debt Reduction spreadsheet

This is a really cool spreadsheet that helps you decide the best method for paying down your debts. It allows you to create a debt reduction schedule based on the debt-snowball method. The first page is a basic calculator for you to enter your information, choose your total monthly payment, and see a summary of the results based your debt reduction strategy. The second page is a printable payment schedule to help you keep track of your progress.

Debt reduction calculator and spreadsheet

Download: Excel File (XLS) 

10Personal Budget Worksheet

A famous old Microsoft budgeting template. It is very simple but has proven to be helpful with the 2,000,000+ downloads. I like this one because all it does is provides a sheet to add up your expenses and your income showing the difference.

microsoft-excel-personal-budgeting-template

Download: Excel File (XLS) 

11 XL Your Finances Budgeting Excel sheet

Very thorough with possible paid upgrades if desired.

XLS your finances budget sheet

Download: From Website 

12Personal budgeting spreadsheet

A good and simple budget spreadsheet. The user has to enter each purchase and details in order to get full and accurate tracking of daily expenses.

personal budgeting spreadsheet

Download: Excel File (XLS) | Google Docs

13. Not exactly a budgeting spreadsheet

And since we are talking about free spreadsheets, I will tell you about one I built and use. It isn’t necessarily for budgeting, but it really helps keep our finances organized.
  • Financial life on one page FLOP-300
    FLOP (Financial Life on One Page) – Basically my balance sheet to calculate my Net Worth, keeps track of account numbers, and other information about all my financial accounts.

How to set up a winning budget today

The Real Money Method courseIf you are wanting more handholding and specific instruction on how to set up a budget you can actually stick with, then check out our Real Money Budgeting online course. It is a simpler, easier, and more effective alternative to traditional budgeting.  So if you have struggled with budgeting in the past and just want a simple solution that works, definitely check it out.

More thoughts about household budgeting

If you are just getting started budgeting I suggest reading two articles I wrote – How to make a budget and why budgeting is like baking cookies. From personal experience, I can assure you that you won’t get it right the first month. It’s okay, just keep making adjustments and it will get better and easier each month.

Budgeting of some sort is critical if you want to master your finances or get out of debt.

If you are just starting, I wish you all the best and let us know about what you learn in the comments! Also, be sure to check out the article I wrote listing 15 places to get free budgeting software.

Related Posts

  • You're Budgeting WRONG If You Do Any Of These 5 Things
  • Budgeting For Beginners (3 Easy Steps to Create A Budget)
  • How To Stick To A Budget (+10 Budgeting Tips)
  • How To Set Up A Budget With Inconsistent Income
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About Bob Lotich

Bob Lotich, CEPF® is a Certified Educator in Personal Finance and has over 10+ years experience writing about Biblical personal finance and is the best-selling author of 4 books including Managing Money God's Way and has been named a top 20 social influencer in personal finance. His writing has been featured on Forbes, The Huffington Post, Yahoo Finance, CBN, Crosswalk, Patheos and others. He has been a full-time writer since 2008 and loves uncovering financial wisdom in the Bible as well as discovering the best tools and strategies to help you put more money in your pocket.

Reader Interactions

Comments

  1. Flora says

    September 10, 2008 at 7:53 am

    Just what I was looking for! Thanks!

    Reply
    • Cheryl says

      April 29, 2019 at 3:08 pm

      Hi Bob, do you have any spreadsheets that work with MacBooks?

    • Bob says

      May 7, 2019 at 11:35 am

      all of them should! Every one is either XLS or google sheets and you should be able to open both on a Mac

    • Vidhi says

      March 16, 2020 at 8:00 am

      Hi Bob!
      Thank you for such an informative blog I was looking for a free household spreadsheet to work from home and manage it
      Ty for such an amazing blog

  2. bob says

    September 10, 2008 at 8:58 am

    No problem! Christina I will check it out… Thanks!

    Reply
  3. Gramma says

    September 10, 2008 at 1:35 pm

    These are great. I think I have finally found something I can use.

    Reply
  4. shelly says

    September 11, 2008 at 11:08 pm

    Hi
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    Reply
  5. Until Debt Do US Part says

    September 23, 2008 at 8:28 am

    Thanks for the templates. There are some really good ones there.

    I find that using excel or any computer based budgeting application is easier than using a paper based budgeting system as it allows you to run calculations alot quicker, save copies and print – hey aren’t computers just great! 🙂

    Reply
  6. bob says

    September 23, 2008 at 6:45 pm

    Agreed – I wouldn’t want to do my budgeting on paper!! Excel is my friend and makes my life a lot easier!!

    Reply
  7. PHP Developer says

    September 26, 2008 at 12:50 pm

    Thanks for your hard work. These are great!

    Reply
  8. PHP Programmer says

    January 1, 2009 at 8:42 am

    This couldn’t have come at a better time in our economy. Thanks for sharing this.

    Reply
  9. Dee says

    March 6, 2009 at 11:20 am

    I don’t mean to offend anyone but was wondering….how do I know that the spreadsheets are safe to download?

    I keep hearing so many horror stories of identity theft that I just don’t know what is safe…..or am I just paranoid for no reason? 🙂

    Reply
  10. Dave says

    March 18, 2009 at 7:22 pm

    Hey all,
    I’m the one who created the Budget Ministry Spreadsheet. I think what Bob created is great, and I’m glad to see it.
    I think it’s great that there are free budgets available now. I created an excel (or calc) yearly budget based on the envelopes idea. My wife and I have been using it since we were married and I’m convinced it has saved us many difficult conversations. Whether you use mine or another, it’s worth all the effort. I hope that God blesses you through this journey and grows us in the wisdom of good stewardship!

    grace and peace,

    square

    Reply
    • Martin says

      November 10, 2013 at 9:00 pm

      Thanks for the mention of the Ministry spreadsheet, Dave.
      I’m not a spreadsheet guy, far from it so went a’Googling for something pre-made to help with my financial madness.
      Yours has been the best one I’ve managed to find thus far (just had to unprotect all the worksheets first)
      Thanks heap, my friend.

  11. nadia beg says

    June 20, 2009 at 7:22 am

    thats the good job for the housewives ..to abt the unwanted expenses….

    Reply
  12. Ashley says

    September 11, 2009 at 4:21 pm

    I used the Bill Payment Schedule spreadsheet, I altered it to fit me better, but its awesome, Thanks.

    Reply
  13. Don says

    December 2, 2009 at 9:02 am

    When I clicked on Quickin Online free, it took me to Mint, which they say is their wholly owned subsidiary, and when I signed up, it wanted my bank account! I stopped there. In short, it seems that there is no Quickin Online free that doesn’t get the system staff into your personal bank account. I also tried to find another route to Quicken Online, but all Google options led to the same Mint web page.

    Reply
    • Sarah says

      October 29, 2012 at 2:00 pm

      Mint is actually a very good site, they ask for your information but that is so you can actually track your expenses. I did it a few years back and it is helpful. You can set up a budget and it shows you how much you are actually spending versus what you average you spend

    • Catrina says

      December 30, 2014 at 2:08 am

      I enjoyed using Mint. They use the information to keep you up to date with your banking balances. I’ve never been charged for it.

  14. Joshua Timothy Estes says

    December 12, 2009 at 11:44 am

    Thanks Bob for this priceless financial advice. Thank you also for providing this advice through a Christian vantage point. I sincerely appreciate the time and effort that you’ve put into this site.

    Reply
  15. smilinglight says

    January 16, 2010 at 9:45 pm

    Hi Bob,
    Could you please let me know where the”Household Budget Template” in this post came from? I had downloaded it long ago and improvised upon it. Now i want to upload mine on my blog giving credits to the person who developed the original one. But I have no idea who. Could you please help me on this?

    Thanks!

    Reply
  16. maia says

    March 27, 2010 at 8:05 pm

    Please can anyone say, is there a spreadsheet that makes predictions visibly, when you enter say all your direct debits, income, then your spending plans, it will show coloured lines (income, outgoing, actual cash level) i mean, there will be your actual cash level from work, directdebits, regular expediture you put in, then your actual cashlevel – so you can see if purchasing that coat on jan1st will mean you’re not going to manage to pay your phone bill, and if you purchase it jan 15th it will be ok? And so i can ram it through my thick brain in a baby-simple visual way what the impact of my purchasing decisions will be before i live them? I know i need to write it myself, but i am too lazy. Thanks if you know one, not important if you don’t. I’m poor, but the problem is anything, even chocolate for easter, throws out my budget as it’s minute.

    Reply
  17. maia says

    March 27, 2010 at 8:11 pm

    @Dee
    After a disaster involving my internet disconnecting itself while upgrading my security package, i have been reliant on WOT = web of trust, an addon for firefox (firefox=browser, addon you can google, or addon WOT) it’s been amazing, it blocks sites with poor reputations even when you click on them and it shows ratings for how safe links and sites are, i use bym to black my monitor (eyes, environment) so i can’t see the links (bym is great but not perfect) but WOT still works. It works on people rating sites, i think internet explorer has similar features, but i know this has protected my security for free lots. Also, if you have an unusual (eg firefox or something) or latest (latest IE for instance) browser and set it to automatic security upgrades, you will be pretty secure for free. Also there are plenty of christian addons for firefox eg porn blockers and stuff.

    Reply
  18. {JeLisa} @ Blogging Ever After says

    May 4, 2010 at 5:28 pm

    I’m excited to try these! Thanks so much for sharing them.

    {And I love that I found them on a Christian site and there are links in the sidebar to ways to look at my money from a Christian standpoint. This is great!}

    Reply
  19. Tanya Cooper says

    May 30, 2010 at 10:56 pm

    Hi Bob,
    This is great info I teach a computer class to Veterans and they learn Excel. They are always asking about different spreadsheets I will link them here..

    Peace,
    Tanya

    Reply
  20. Cheryl says

    June 6, 2010 at 12:58 am

    I think these spreadsheets are excellent tools. There is spreadsheets for every financial scenario a person may have. I also think they are timesavers. It gives a person a quick overview of their finances without have to take the time to create the spreadsheet. The more information, the better.

    Reply
  21. Mandy says

    June 20, 2010 at 2:29 pm

    I would like to use the first spreadsheet listed, the Personal Budgeting Spreadsheet, but the pages are protected and it will not allow me to make changes to the months. Has anyone else had this problem and could you please tell me how to make changes?

    Thank you!

    Reply
  22. Lisa says

    July 1, 2010 at 2:24 pm

    hello,

    these budget sheets are great for first time budgeters!
    are they available in other currencies? i wouldlikeone in Rand (ZAR)
    please let me know if this is possible.

    thank you,

    Reply
  23. Sharissa says

    July 2, 2010 at 10:45 am

    I have downloaded your wonderful Excel spreadsheet (personal budgeting spreadsheet). It is exactly what we are looking for to get our finances organized, however I am having the hardest time because we have more yearly variable expenses that the spreadsheet allows. When I insert rows and add in the additional information it does not transfer to the other monthly sheets.

    I need 27 rows.

    Reply
  24. Sasi says

    September 23, 2010 at 10:10 am

    I don’t use a spreadsheet (since spreadsheets are a bit overwhelming for me), but I found a super simple software that’s better for me. Search for ‘Innoslice’. this one gives the simplest way of entering daily expenses and tracking them. You should try this out before going to spreadsheets.

    Reply
  25. Shannon says

    November 29, 2010 at 8:15 pm

    I cannot seem to get the personal budget template to download. Is there something I need to do differently other than just clicking?
    Thanks so much!!

    Reply
    • Bob says

      November 30, 2010 at 9:02 am

      @Shannon, when you click the link it should pop up a window to download it – if not, shoot me an email and we can figure it out… seedtime.com/contact

  26. dogsheep says

    February 3, 2011 at 7:05 am

    I’d like to point out OpenOffice is not a “free version of Microsoft Office.” It’s a free _alternative_ to Microsoft Office.

    Reply
  27. Ben says

    April 8, 2011 at 5:07 am

    Help.

    So, I’m looking for a bill tracking spreadsheet that has 2 parts. The first I want to be just a running ledger like an online bank ledger… I.E. with columns for date, company paid, amount paid which gets deducted from the balance, an ‘income’ field for payments in, and a running balance. On another part, I would like to take individual companies and keep a running tab.. i.e. the ledger will show a mortgage payment every month, and on a separate sheet it will just show the deductions for the mortgage co.

    Suggestions?

    I’m NOT looking at creating a budget or using budgeting software… just tracking current bills and expenses.

    Thanks for any replies.

    Reply
  28. Shell says

    May 27, 2011 at 11:21 am

    Thank you so much for these spreadsheets. I just started using the personal budget worksheet, and it’s fantastic. I can finally keep track of all my finances.

    Thank You 🙂

    Reply
  29. Steve says

    July 12, 2011 at 7:23 pm

    Anyone have a Debt Reduction spreadsheet that can deal with promotional rates?

    Reply
  30. Byron says

    August 14, 2011 at 3:56 pm

    Thanks for the excel spreadsheets. I am going to be sure to use them and pass it on,

    Reply
  31. jeff says

    August 30, 2011 at 7:40 am

    Started using one…finally found one both my wife and I can use.

    Reply
  32. Diane Sarratt says

    August 30, 2011 at 7:56 am

    I loved these sheets, makes my budget making and keeping up with so much easier. Many thanks.

    Reply
  33. Tommas Brannen says

    December 8, 2011 at 10:29 pm

    HELP!!!! I have no clue what I’m to do I know I need to set a Budget and I know that it would help my Family as well give me some peace of mind when it comes to money but I don’t know where to start?????????

    Reply
  34. Belinda says

    December 14, 2011 at 1:27 pm

    Bob,

    Thank you for another great article!

    I was wondering if you would “make up” a budget for a small business with sample categories?

    Thank you in advance!
    ~B

    Reply
  35. Practical Wedding Tips says

    December 18, 2011 at 7:40 pm

    I’m now not certain the place you’re getting your info, but great topic. I needs to spend some time finding out much more or understanding more. Thank you for wonderful information I was in search of this information for my mission.

    Reply
  36. Lara says

    January 2, 2012 at 1:59 am

    It has very useful information!
    I think we can use an expense management software on web or mobile either. Therefore it is available everywhere and whenever I need to record any expense. I try Costsbook it is so simple and helps me and my family a lot in better planning.

    Reply
  37. Lara says

    January 3, 2012 at 3:03 am

    It has very useful information!
    I think we can use an expense management software on web or mobile either. Therefore it is available everywhere and whenever I need to record any expense. I try Costsbook it is so simple and helps me and my family a lot in better planning.

    Reply
  38. Jen Freeman says

    January 15, 2012 at 2:57 pm

    Loved sharing your helpful budget forms! I shared them on my website along with daily resourceful tips! Come on over and see!

    Reply
  39. Barbara says

    January 25, 2012 at 1:51 pm

    Hi, As I was checking out your site I some how got linked to ingdirect.com please tell me if this is an OK site. I some how thought it was part of your site.

    Thanks,
    Barbara

    Reply
  40. Jeff says

    February 2, 2012 at 8:43 pm

    Hi Bob,
    Thanks for providing such an excellent resource for general use. I’m actually looking for a spreadsheet which to keep track of rental properties, keep track of a small business and also track personal finance.
    Getting these three coordinated I find to be mind boggling. Do you have any programs which might be helpful or can you provide any solutions?
    Thanks again for all your efforts.
    Jeff

    Reply
    • John Frainee says

      February 3, 2012 at 10:44 pm

      Jeff, you’re going to love WaveAccounting.com. I just set it up for my website over at The Christian Dollar. You can track your personal and business finances all in one place! Let me know how it works out for you!

  41. Niki says

    February 28, 2012 at 4:59 pm

    Hi there,

    I’ve downloaded the Personal Monthly Budget spreadsheet which seems like an amazing tool and exactly what I’m looking for. I’ve unprotected all of the sheets so that I can add my own info, but I’m finding that if I modify the Master Budget (the 1st sheet), these changes don’t correspond to the monthly sheets. When I change an amount in the Master Budget, it also doesn’t calculate it correctly in the total. For example, if I change the monthly mortgage from $700 to $2318, the total is still $2867. Am I doing something wrong? Please let me know how to fix this. I’m so excited to use this tool!

    Reply
  42. Barbara Hassard says

    March 23, 2012 at 10:34 am

    I’ve been using the Household Budget Template. It fits me and my needs wonderfully. I do need to change some of the budget categories and the sub-lists that go with them. I went to Data Validation to change those and it just adds what I put, it doesn’t change them. How do I change those categories and sub-lists?

    Reply
  43. [email protected] Ways says

    April 27, 2012 at 11:14 am

    Thanks for this. I have recently launched a site about budgeting so it’s nice to see that you share other people’s spreadsheets in addition to yours. I have been building my own but think I’ll start passing the love to some of the other blogs out there that also have created their own spreadsheets.

    Reply
  44. CJ Quiroz says

    July 2, 2012 at 8:16 pm

    These spreadsheets are awesome! But would you be able to make a Weekly Time Budget?

    Reply
  45. Leah says

    August 8, 2012 at 10:12 pm

    thank you!

    Reply
  46. Sabrina says

    August 25, 2012 at 5:35 pm

    Hey there! This is kind of off topic but I need some help from an established blog.
    Is it hard to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about setting
    up my own but I’m not sure where to begin. Do you have any points or suggestions? With thanks

    Reply
  47. Aaron says

    September 15, 2012 at 4:22 pm

    Wow exactly what i was looking for, love these spreadsheets 🙂

    Reply
  48. Steven says

    November 1, 2012 at 3:15 pm

    I have been using the Dave Ramsey budgeting techniques for years and can attest to the value of a good budget. What I have yet to find is a good budget spreadsheet. I have tried the personal Quicken, YNAB, and several of my own creation. My issue seems to be that my income is not as fixed as most budgets want it to be. I get paid bi-weekly and my wife is paid monthly. I get expense checks paid to me at random times. I have expenses for work as well as the costs of supplementing other households in the family. My budget has grown complicated to say the least.
    Anyway, what I want is a spreadsheet that will help me allocate and track according to weekly schedules. A monthly schedule is not really adequate when you consider I may budget $1000 for the monthly groceries, but only have $200 available this week. Any ideas?

    Reply
    • Brad Hull says

      August 12, 2013 at 3:35 pm

      When did you try YNAB? I have been using YNAB since late 2009 and I think there is nothing that addresses your perceived needs better. Try ain’t again free for 30 days.

  49. Paula says

    December 7, 2012 at 2:31 pm

    Muchas Gracias!…I am starting to organize my finances after tons of mistakes…Gracias!!! JUST WHAT I NEEDED!

    Reply
  50. Florence says

    January 4, 2013 at 2:05 am

    Hi. My husband and i are just starting out with a structured budget and I am pleased to find such a comprehensive and easy-to-use tool. Thanks!

    Reply
  51. Janet says

    January 7, 2013 at 8:16 pm

    Hi Bob – thanks so much for this awesome resource for budget spreadsheets! Excel really is the BEST tool for budgeting!

    Hi everyone – I am the one who created the “Super Basic Budget” (I hope you like it!) and I just wanted to mention that it does require Excel 2007 or 2010 for PC, or 2011 for Mac in order to work (because of tables, etc). Just don’t want anyone thinking it doesn’t work properly 😉

    Enjoy!

    Reply
  52. Jody says

    January 12, 2013 at 12:10 pm

    Great spreadsheet! Just one question, how come the personal budgeting spreadsheet does not have a total for the fixed expenses column?

    Reply
  53. susan says

    September 2, 2013 at 2:57 pm

    Where do I download these? I don’t see any links or buttons. Am I missing something?

    Reply
  54. antoinnette says

    September 19, 2013 at 11:46 am

    Susan, click on the titel, took me a few minutes as well to figure it out 😉

    Reply
  55. amina says

    October 3, 2013 at 11:38 am

    i need to download these sheets. These are very nice and impressive 🙂

    Reply
  56. Dawn says

    October 10, 2013 at 9:14 am

    I do I download the spreadsheets?

    Reply
  57. Janice Seaver says

    October 13, 2013 at 7:08 pm

    I have been in and out of homeless shelters for the past three years. My credit (history and current) is just shot to all yuk. Score is lower than 600. I start a new job as a bus driver in a large city in Central CA on Nov 5. Once I start getting used to a steady income I would like to clean up my mess. How do I do this without all the debt collectors making threats at me while I’m only calling for account info. I called one last week and they wouldn’t give me any info without me first telling them my current employment status and who my employer is. I don’t want to give that out. This is the painful part of getting back on my feet after being unemployed for so long.

    Any advice?

    Reply
  58. Calvin says

    October 25, 2013 at 10:35 am

    Oh my God, thank you! I have been searching for budget templates I can stick to for most of this past year. I JUST found one on this page that fits all my needs and just spent the last 2 hours setting it up. I love, love, love this site. Thank you so much!

    Reply
  59. Herson says

    January 6, 2014 at 11:48 am

    Very Helpful. Thanks!

    Reply
  60. Mike says

    January 10, 2014 at 8:52 am

    I like the idea of the yearly family budget but does any of them have it to where you can input each persons income listed (for each) for 2 or 3 people? or can any of them be modified to do this? nothing complicated just a yearly budget of expenses, and listed income for each person on same spreedsheet. or is that too detaled?

    Reply
  61. [email protected] Education says

    February 8, 2014 at 9:47 pm

    Really very impressive work you have done by sharing home budget spreadsheet template. Actually, I feel something missing in my personal budgeting spreadsheet and now I got my answer. Sometimes we want to do but don’t know the proper way of placing things. And that problem always solved by a professional who do experiment in related field and also an expert in that field.

    Reply
  62. bridget says

    February 26, 2014 at 11:05 am

    THANKYOU JUST WHAT I NEEDED LOTS OF CHOICES IS AWESOME

    Reply
  63. CIARA says

    June 3, 2014 at 2:53 pm

    This is almost what I was looking for. The one budget spreadsheet that fit me or at least that I can tame is the SNOWBALL Debt reducer. Awesome spreadsheet and easy to use. I would have liked to see an additional column or something where I could input my net pay for the month and have the spreadsheet figure the whole thing out BUT it’s still awesome. Thanks so much.

    Reply
  64. John Campbell says

    July 2, 2014 at 12:47 pm

    Love the spreadsheets! I have a spreadsheet for almost everything in my life. That’s an impressive collection. Found some new ideas here. I also use Moneyble which combines several spreadsheets into an application. It eliminates errors caused by missing formulas.

    Reply
  65. Chuck says

    July 27, 2014 at 5:08 am

    Great resource!

    Thanks for the share 🙂

    Reply
  66. Andrea Sledge says

    August 11, 2014 at 11:29 am

    OMG AMAZING., Thank you soooo much !!!

    Reply
  67. Gord says

    October 29, 2014 at 2:21 pm

    Nice article! I started using MINT online & would NEVER go back to Excel. Its smarter, faster, and way more features than excel could ever have.

    Reply
  68. Traci Matthews says

    June 6, 2018 at 12:17 pm

    I’ve been praying for a way to manage my finances. Thank you!

    Reply
  69. Peabody says

    June 17, 2018 at 1:34 pm

    These aren’t sheets for google sheets, which is how I got here.

    Reply
    • Bob says

      June 19, 2018 at 8:45 am

      Not all, but many of them are Google Sheets –

  70. Tania says

    September 24, 2018 at 4:54 pm

    Hello – I have used Excel and created my own budgets for years. I am very particular about what I see and like to be able to move things around on a weekly or daily basis. However, I am now married and cannot figure out the best way to keep the budget shared so that my husband is aware of seeing it and knowing what is going on. What do you suggest???

    Reply
  71. James Baxter says

    October 29, 2018 at 7:00 am

    Ok, very nice for what I see. Next year, I am looking to build a home. Can I place in the cost of the land, the home. So I see you can add your monthly bills. So can this help with tax’s. One more thing. I a looking to get a Tesla car. So I don’t know about the power. As I am looking at going off grid. Selling power back to them. So how does this all work for tax’s

    Reply
  72. Stephanie says

    November 1, 2018 at 5:58 am

    I loved number 4, but it downloaded as view only. How do I change that so I can fill in and update?

    Thanks,
    Stephanie

    Reply
    • Lauren (SeedTime Editor) says

      November 1, 2018 at 10:02 am

      Hey Stephanie, you should be able to copy and save it as another file in google sheets if that is where it downloaded for you!

  73. Bill Megelich says

    December 12, 2018 at 6:56 am

    I really admired this post, it will surely going to help a large number of people across the globe. Keep Posting.

    Reply
  74. Derek @ MoneyAhoy.com says

    December 20, 2018 at 8:44 pm

    Some of these are really great – thanks for sharing! I made my own sheet years and years ago and still use it, but I’m considering switching to #5. I like that one a lot!

    Reply
  75. Jhunu Das says

    December 27, 2018 at 7:02 am

    Hi,
    Thank you for sharing the post with us. This is what I was looking for. Thank you very much…

    Reply
  76. jef marshal says

    January 2, 2019 at 10:12 pm

    Very good points in this post. Awesome. Bookmarking it.

    Reply
  77. Niel says

    January 23, 2019 at 5:55 am

    Thanks for sharing these budgeting spreadsheets!

    Reply
  78. izzi says

    January 30, 2019 at 5:22 am

    thanks for sharing spreadsheet and detail information.

    Reply
  79. sayra queen says

    February 5, 2019 at 11:11 am

    Thanks for the layouts. There are some really good ones there.

    I find that using succeed or any internet centered cost management program is simpler than using a document centered cost management system as it allows you to run computations more quickly, save duplicates and create – hey aren’t computer systems just great!

    Reply
  80. Kiran says

    February 12, 2019 at 2:49 am

    An institution, par excellence, based on the profound experiences of visionaries who believe in enduring and germane education. The Indus valley philosophy focuses on ensuring a learner centred holistic education, aspiring to produce versatile, ethical and futuristic global citizens.

    Reply
  81. Kiran says

    February 12, 2019 at 3:08 am

    Hey matt great article keep posting the articles every day so that we can learn with more ease

    Reply
  82. Alex says

    April 8, 2019 at 10:55 am

    I made my own spreadsheet years ago, but the problem was not the making of the spreadsheet but rather the “following-the-budget-on-the-spreadsheet”! I modify it slightly every year to adapt to our current situation.

    Reply
  83. Naveen Sohail says

    April 23, 2019 at 4:08 am

    It’s really help to control your budget and buy all the required household things.

    Reply
  84. Mobile Tracker says

    May 10, 2019 at 3:53 pm

    Probably the best article I have read so far. This is great! Thank you for taking the time to create such a helpful resource!

    Reply
  85. Maria Smith says

    May 23, 2019 at 7:09 am

    Thanks for sharing this all above useful sheets. I really want to save and budget on overspending limits.

    Reply
  86. Muhammad Yasir says

    May 26, 2019 at 4:03 am

    Hi Bob,

    I downloaded the first sheet (Household one) – it’s great, but just one question. I tried replicating the sheet into further sheets (to spread through months), but I can’t seem to get the graphs working with new values in sheet 2. Is there a better way to replicate the sheet for every month in the same Book?

    Reply
    • Lauren (SeedTime Editor) says

      May 28, 2019 at 9:58 am

      If you copy and create a new sheet, you should be able to edit and tweak as necessary!

  87. Rup says

    June 21, 2019 at 12:46 pm

    Amazing post, very helpful. Thanks.

    Reply
  88. Rohit says

    July 7, 2019 at 6:46 am

    Financial planning is a must have goal in one’s life. If someone is ignore financial planning he/she is just digging a grave of debt and lack of money for himself

    Reply
  89. Anand Kumar says

    July 13, 2019 at 7:00 am

    Thank you for such an Informational blog. It is truly the best information that I have read till now. And also discovered Some useful tips also.

    Reply
  90. Pooja says

    July 29, 2019 at 12:21 pm

    Great collection of spreadsheets. Thanks for sharing these as I can select the one appropriate for me to check and maintain the budget of my house. Keep sharing such helpful posts with the readers.

    Reply
  91. James says

    August 26, 2019 at 7:05 am

    Household Budget Spreadsheet looks good to me, I will try and let you know how it went for me and thanks for sharing.

    Reply
  92. manoj kumar says

    September 22, 2019 at 12:23 am

    Thanks a lots for sharing lots of knowledge in very simple and short words
    Thanks once again Sir 🙏

    Reply
  93. manoj kumar says

    October 1, 2019 at 12:51 am

    Wonderful information, thanks for sharing such a great article.

    Thanks

    Reply
  94. alex rogers says

    October 1, 2019 at 5:52 am

    I used the Bill Payment Schedule spreadsheet, I altered it to fit me better, but its awesome, Thanks.

    Reply
  95. Annie says

    October 2, 2019 at 8:28 am

    Hi. Which one of these (or another one not shown) will work best if I want to track spending by paydays? Our issue is that when we figure out income/expenses, we have enough money, but cash flow seems to be our biggest problem. I’ve tried several times to make my own, but mine end up very high maintenance, basically recreating all the time. Hope this makes sense. Thanks for any help.

    Reply
    • Lauren (SeedTime Editor) says

      October 3, 2019 at 11:23 am

      I’d use #1 – the household budgeting spreadsheet!

  96. William Jr. says

    October 22, 2019 at 3:53 am

    These are the best spreadsheet for everyone who need. I like house hold budget spreadsheet very much.

    Reply
  97. Needing Help says

    October 28, 2019 at 11:33 am

    Hey Bob,
    Thanks for the research on this budget spreadsheets. After doing our homework we have decided to go with debt reduction spreadsheet. We need to make some progress in this area and feel this tool could be a major help. Thanks

    Reply
  98. Vana Verouti says

    November 1, 2019 at 5:49 am

    Many, many thanks for these spreadsheets.Just what I was looking for to keep track of my finances!

    Reply
  99. intex says

    November 6, 2019 at 12:12 am

    Wow !great information thanks for the sharing

    Reply
  100. david says

    November 23, 2019 at 4:12 am

    This is what I love to watch. Thank you so much for the wonderful information you have shared to us, your kindness was truly admirable!

    Reply
  101. Web Monde says

    November 29, 2019 at 6:06 am

    Really helpful post for household budget spreadsheets. Thank you for sharing your valuable knowledge.

    Reply
  102. QB Desk says

    April 10, 2020 at 3:14 am

    I just went through your blog on your website this afternoon .good stuff
    keep it up!

    Reply
  103. Ehsan Abid says

    April 12, 2020 at 2:18 pm

    Nice article on 10 Free Household Budget Spreadsheets for 2020

    Reply
  104. rohi says

    May 16, 2020 at 10:18 pm

    It was helpful

    Reply
  105. Gaurav Kumar says

    May 20, 2020 at 1:54 pm

    Thank you for sharing this valuable information!
    I am looking forward to using this info for my business.
    Regards,
    Blue Heaven Media

    Reply
  106. Tent Depot says

    May 28, 2020 at 8:21 am

    Great information.Thanks for sharing.

    Reply
  107. Emma says

    June 2, 2020 at 5:05 am

    The Household Budgeting Spreadsheet is super user friendly, I’ve been using it for 2 months now, only had to make a few tweaks and it has all my budgeting included!

    Reply
  108. Jay Warra says

    June 16, 2020 at 1:43 pm

    A very useful budget spreadsheet compilation. For me, the simpler the sheet, the better. I like to customize mine, which is easier when the download is free of macros or complicated links.

    Reply
  109. Sandeep says

    June 18, 2020 at 1:06 am

    Thank you so much for the wonderful information

    Reply
  110. Varun Surana says

    June 18, 2020 at 1:07 am

    helpful post for household budget

    Reply
  111. Charu says

    June 22, 2020 at 7:55 am

    I was searching for such a content from long period of time and finally i got it right.
    Thank you so much for sharing and keep sharing such great knowledge with us.
    Have a good day

    Reply
  112. city book says

    July 1, 2020 at 11:57 am

    helpful post for household budget

    Reply
  113. elidsouza says

    July 8, 2020 at 4:57 am

    nice and well written article

    Reply
  114. Pratap says

    July 9, 2020 at 6:36 am

    Thanks for Sharing wonderful article helpful!

    Reply
  115. elli Dsouza says

    July 11, 2020 at 6:57 am

    well every person should have nice budget . and your article give right path thanks for sharing this informative article.

    Reply
  116. capacious technologies says

    July 15, 2020 at 7:10 am

    yes this is so good it’s very good things so i am so thankfull to you

    Reply
  117. Mark A. says

    July 15, 2020 at 10:00 pm

    #1 is probably the best looking one of the bunch. Have you tried the Aspire Budget sheet? It’s a nice looking one too with a good design.

    Reply
  118. Harry Smith says

    July 23, 2020 at 1:27 am

    Well i have to admit that this post is great and very informative as well. Besides, it was also verny inspiring to read it. Keep up the good work and thank for sharing.

    Reply
  119. Sam Haris says

    July 31, 2020 at 5:28 am

    Thanks for posting Really Such Things. I should recommend your site to my friends.

    Reply
  120. Barry J says

    July 31, 2020 at 7:46 am

    I am sure I am trying a couple out of these 10. Great article. Thanks.

    Reply
  121. Habib ullah says

    August 13, 2020 at 2:28 pm

    Thanks for Free Household Budget Spreadsheets tips and help

    Reply
  122. Nancy Bowman says

    August 25, 2020 at 1:18 am

    Thank You! I am loving it. You guys rock! Thanks for Sharing wonderful article.

    Reply
  123. Sam Haris says

    September 8, 2020 at 4:21 am

    Hello dear,
    Thanks a lot for your valuable post. This is very much helpful for me, because I have been searching these information.

    Reply
  124. Sam Haris says

    September 8, 2020 at 4:22 am

    Hi,
    After reading your article, I think is the best post for me. Glad to found your article on google. Thanks.

    Reply
  125. Sam Haris says

    September 10, 2020 at 4:28 am

    its Valuable Information thanks for sharing if you are facing any type of problem regarding

    Reply
  126. plvan says

    September 24, 2020 at 3:15 am

    Valuable information thank you for sharing.

    Reply
  127. Vardankur says

    October 7, 2020 at 12:22 am

    Thanks for sharing great information about Free Household Budget Spreadsheets, I read this blog and also searching on many websites regarding this information. But your Article gives me complete details.

    Reply
  128. rsoft says

    October 28, 2020 at 4:13 am

    Thanks for sharing your experience here, lots of great points you considered here. I especially like the way of you presented is great

    Reply
  129. ViseTech says

    October 31, 2020 at 5:45 am

    Thank You very much. That is what I needed.

    Reply
  130. Chiara Bradshaw says

    November 23, 2020 at 7:52 am

    Thanks for sharing this informative information.

    Reply
  131. strategi marketing property says

    February 4, 2021 at 1:40 am

    The household budgetting one is so great, thanks for sharing such useful financial tools.

    Reply
  132. James Jones says

    February 4, 2021 at 4:08 am

    “Thank you so much for sharing all this wonderful info with the how-to’s!!!! It is so appreciated!!!”

    Reply
  133. millionaires group says

    March 17, 2021 at 12:55 am

    very informative blog
    10 Free Household Budget Spreadsheets for 2020
    the topic is great…. keep posting such blogs

    Reply
  134. Ramm says

    March 17, 2021 at 2:31 am

    Hi,
    I use #1 Template. It was very useful to do my household Expenditure.

    Reply
  135. İbrahim Demir says

    May 4, 2021 at 12:21 pm

    Thank you so much for sharing..

    Reply
  136. anirudh says

    June 3, 2021 at 6:08 am

    I just start using the personal budget worksheet, Thank you for these spreadsheets. Its’s Help Full.

    Reply
  137. ESHCS says

    June 3, 2021 at 7:24 am

    10 Free Household Budget Spreadsheets was really the best article I read today when I was looking for another article. I got interested in reading this. good work is done by the admin of this post.
    I love the way of writing this post, Keep it up.

    Reply
  138. Jose Olsan says

    June 9, 2021 at 9:20 am

    Hi,
    Such a nice thing shared very useful for managing home budget, keep updating us thank you.

    Reply
  139. Tim says

    June 9, 2021 at 12:14 pm

    Thank You very much. That is what I was looking for. 🙂

    Reply
  140. worldog says

    June 13, 2021 at 2:31 am

    thank you

    Reply
  141. Aniket says

    June 14, 2021 at 8:54 am

    That’s great Stuff, Bob. I will surely try this spreadsheet.
    Thanks for sharing quality blogs

    Reply
  142. hamad says

    August 16, 2021 at 6:07 am

    I really like your concept and the way you explain all the points. I have cleared all my doubts and got answers to all the questions. I hope you create more blogs like this in future. Really help me alot.

    Reply
  143. Angie @ Good Money Good Life says

    August 16, 2021 at 12:15 pm

    This is pretty great. I personally use stuff like Mint / Personal Capital to keep track of my expenses.

    But the annoying thing with cloud/automated syncing is that I get spoiled into not classifying each line item manually, which means I’m probably not as conscious of my spending as I should be with a spreadsheet.

    These spreadsheets are awesomely detailed and I love that you took the time to put together this resource! Will definitely help me in terms of being more conscious of my spending and it also allows for a lot more customization.

    Reply
  144. tarhandish says

    August 18, 2021 at 3:35 am

    that was helpfull thanks

    Reply
  145. AOL Desktopgold says

    August 20, 2021 at 6:55 am

    This is really helpful. Thanks for sharing this helpful post.

    Reply
  146. Myleadmachine Ltd says

    August 26, 2021 at 2:57 am

    Thank you for this kind of blog, such a great idea. Keep on writing! These budget spreadsheet software types have everything that an individual or a family needs to take hold of their finances.

    Reply
  147. WesternFX says

    September 15, 2021 at 7:53 am

    Thanks for sharing this is really helpful

    Reply
  148. Flats in kochi says

    September 20, 2021 at 6:40 am

    good post

    Reply
  149. codesera says

    September 28, 2021 at 2:36 pm

    Hi Bob,
    This is great info I teach a computer class to Veterans and they learn Excel. They are always asking about different spreadsheets I will link them here..

    Peace,
    Codesera

    Reply
  150. Amelia Miller says

    October 7, 2021 at 8:57 am

    Hey Bob Lotich,
    You shared very exciting tips for budgeting. I am searching for this for the last few days. As you know due to pandemics I lost my job and find some ways to make money online.

    Reply
  151. dara says

    October 30, 2021 at 1:14 am

    Hi there.
    It’s a very helpful and informative blog. Thanks for sharing this information. I would like to know more and more from you. Good luck dear.

    I have read your article and it is awesome. Thanks you sharing this
    information.

    Reply
  152. Mary Mosher says

    January 30, 2022 at 8:35 am

    Your information is very informative I have been trying to download #2 but it does not open for me. Would you be able to help me with this issue?

    Reply
    • Bob Lotich says

      March 25, 2022 at 5:58 pm

      hmmm, not sure what was going on, but it seems to be working now!

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Hey! I’m Bob Lotich. Jesus follower, husband, dad, best-selling author, CEPF®, and money nerd.

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