10 Free Household Budget Spreadsheets

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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!

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 

3. Financial 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

4. Williams 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

5. Free 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.

6. Zero-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

7. Wedding Budget Template

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

Download this wedding budget template or 9 others for FREE here

8. GLBL Budget Spreadsheet

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

glbl-household-budget-template

9. Debt 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 on 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

10. Personal 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 provide a sheet to add up your expenses and your income, showing the difference.

microsoft-excel-personal-budgeting-template

11. XL Your Finances Budgeting Excel sheet

Very thorough with possible paid upgrades if desired.

XLS your finances budget sheet

Download: From Website 

12. Personal 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.

FLOP (Financial Life on One Page) – Basically, my balance sheet to calculate my Net Worth, and keeps track of account numbers and other information about all my financial accounts.

How to set up a winning budget today

If you want more handholding and specific instructions 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.

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Comments

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

    • 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

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  5. 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! 🙂

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

  9. 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? 🙂

  10. 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

    • 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.

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

  13. 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.

    • 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

    • 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. 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.

  15. 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!

  16. 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.

  17. @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.

  18. 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!}

  19. 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

  20. 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.

  21. 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!

  22. 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,

  23. 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.

  24. 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.

  25. 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!!

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

  27. 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.

  28. 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 🙂

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

  33. 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?????????

  34. 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

  35. 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.

  36. 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.

  37. 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.

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

  39. 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

  40. 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

    • 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. 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!

  42. 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?

  43. 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.

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

  46. 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

  48. 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?

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

  50. 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!

  51. 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!

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

  57. 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?

  58. 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!

  60. 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?

  61. 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.

  63. 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.

  64. 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.

  67. 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.

  70. 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???

  71. 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

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

    Thanks,
    Stephanie

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

  74. 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!

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

  79. 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!

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  82. 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.

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

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

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

  86. 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?

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

  88. 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

  89. 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.

  90. 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.

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

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

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

  95. 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.

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

  97. 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

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

  100. 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!

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

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

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

  107. 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!

  108. 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.

  111. 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

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

  117. #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.

  118. 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.

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

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

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

  127. 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.

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

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

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

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

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

  137. 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.

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

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

  142. 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.

  143. 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.

  146. 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.

  149. 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

  150. 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.

  151. 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.

  152. 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?