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. 😉
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.
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.
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.
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.
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.
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, keeps track of account numbers, and other information about all my financial accounts.
How to set up a winning budget today
If 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.
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.
all of them should! Every one is either XLS or google sheets and you should be able to open both on a Mac
Vidhisays
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
Hi
I as i was going through ur site i found some interesting articles…so i wud like to deal with u.. i have Good pr pages & content pages too…i am ready to give u some content pages link… and want u to become my link partner…
So if ur interested in this deal then plz contact me at:
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! 🙂
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!
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.
nadia begsays
thats the good job for the housewives ..to abt the unwanted expenses….
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
Catrinasays
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.
Joshua Timothy Estessays
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.
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?
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.
@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.
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!}
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..
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.
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?
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.
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 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.
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.
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.
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?????????
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.
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.
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.
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.
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!
Nikisays
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!
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?
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.
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
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.
Paulasays
Muchas Gracias!…I am starting to organize my finances after tons of mistakes…Gracias!!! JUST WHAT I NEEDED!
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 😉
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.
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!
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?
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.
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.
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.
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???
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
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!
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!
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.
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.
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?
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
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.
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.
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
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!
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.
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
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.
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.
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.
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.
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.
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.
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..
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.
If 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.
Just what I was looking for! Thanks!
Hi Bob, do you have any spreadsheets that work with MacBooks?
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
No problem! Christina I will check it out… Thanks!
These are great. I think I have finally found something I can use.
Hi
I as i was going through ur site i found some interesting articles…so i wud like to deal with u.. i have Good pr pages & content pages too…i am ready to give u some content pages link… and want u to become my link partner…
So if ur interested in this deal then plz contact me at:
shellybrown1984(at)gmail.com
Waiting for ur reply.
Thanks & regards
Shelly
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! 🙂
Agreed – I wouldn’t want to do my budgeting on paper!! Excel is my friend and makes my life a lot easier!!
Thanks for your hard work. These are great!
This couldn’t have come at a better time in our economy. Thanks for sharing this.
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? 🙂
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.
thats the good job for the housewives ..to abt the unwanted expenses….
I used the Bill Payment Schedule spreadsheet, I altered it to fit me better, but its awesome, Thanks.
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.
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.
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!
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.
@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.
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!}
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
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.
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!
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,
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.
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.
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
I’d like to point out OpenOffice is not a “free version of Microsoft Office.” It’s a free _alternative_ to Microsoft Office.
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.
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 🙂
Anyone have a Debt Reduction spreadsheet that can deal with promotional rates?
Thanks for the excel spreadsheets. I am going to be sure to use them and pass it on,
Started using one…finally found one both my wife and I can use.
I loved these sheets, makes my budget making and keeping up with so much easier. Many thanks.
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?????????
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
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.
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.
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.
Loved sharing your helpful budget forms! I shared them on my website along with daily resourceful tips! Come on over and see!
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
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!
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!
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?
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.
These spreadsheets are awesome! But would you be able to make a Weekly Time Budget?
thank you!
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
Wow exactly what i was looking for, love these spreadsheets 🙂
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.
Muchas Gracias!…I am starting to organize my finances after tons of mistakes…Gracias!!! JUST WHAT I NEEDED!
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!
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!
Great spreadsheet! Just one question, how come the personal budgeting spreadsheet does not have a total for the fixed expenses column?
Where do I download these? I don’t see any links or buttons. Am I missing something?
Susan, click on the titel, took me a few minutes as well to figure it out 😉
i need to download these sheets. These are very nice and impressive 🙂
I do I download the spreadsheets?
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?
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!
Very Helpful. Thanks!
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?
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.
THANKYOU JUST WHAT I NEEDED LOTS OF CHOICES IS AWESOME
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.
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.
Great resource!
Thanks for the share 🙂
OMG AMAZING., Thank you soooo much !!!
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.
I’ve been praying for a way to manage my finances. Thank you!
These aren’t sheets for google sheets, which is how I got here.
Not all, but many of them are Google Sheets –
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???
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
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!
I really admired this post, it will surely going to help a large number of people across the globe. Keep Posting.
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!
Hi,
Thank you for sharing the post with us. This is what I was looking for. Thank you very much…
Very good points in this post. Awesome. Bookmarking it.
Thanks for sharing these budgeting spreadsheets!
thanks for sharing spreadsheet and detail information.
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!
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.
Hey matt great article keep posting the articles every day so that we can learn with more ease
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.
It’s really help to control your budget and buy all the required household things.
Probably the best article I have read so far. This is great! Thank you for taking the time to create such a helpful resource!
Thanks for sharing this all above useful sheets. I really want to save and budget on overspending limits.
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!
Amazing post, very helpful. Thanks.
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
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.
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.
Household Budget Spreadsheet looks good to me, I will try and let you know how it went for me and thanks for sharing.
Thanks a lots for sharing lots of knowledge in very simple and short words
Thanks once again Sir 🙏
Wonderful information, thanks for sharing such a great article.
Thanks
I used the Bill Payment Schedule spreadsheet, I altered it to fit me better, but its awesome, Thanks.
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.
I’d use #1 – the household budgeting spreadsheet!
These are the best spreadsheet for everyone who need. I like house hold budget spreadsheet very much.
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
Many, many thanks for these spreadsheets.Just what I was looking for to keep track of my finances!
Wow !great information thanks for the sharing
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!
Really helpful post for household budget spreadsheets. Thank you for sharing your valuable knowledge.
I just went through your blog on your website this afternoon .good stuff
keep it up!
Nice article on 10 Free Household Budget Spreadsheets for 2020
It was helpful
Thank you for sharing this valuable information!
I am looking forward to using this info for my business.
Regards,
Blue Heaven Media
Great information.Thanks for sharing.
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!
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.
Thank you so much for the wonderful information
helpful post for household budget
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
helpful post for household budget
nice and well written article
Thanks for Sharing wonderful article helpful!
well every person should have nice budget . and your article give right path thanks for sharing this informative article.
yes this is so good it’s very good things so i am so thankfull to you
#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.
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.
Thanks for posting Really Such Things. I should recommend your site to my friends.
I am sure I am trying a couple out of these 10. Great article. Thanks.
Thanks for Free Household Budget Spreadsheets tips and help
Thank You! I am loving it. You guys rock! Thanks for Sharing wonderful article.
Hello dear,
Thanks a lot for your valuable post. This is very much helpful for me, because I have been searching these information.
Hi,
After reading your article, I think is the best post for me. Glad to found your article on google. Thanks.
its Valuable Information thanks for sharing if you are facing any type of problem regarding
Valuable information thank you for sharing.
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.
Thanks for sharing your experience here, lots of great points you considered here. I especially like the way of you presented is great
Thank You very much. That is what I needed.
Thanks for sharing this informative information.
The household budgetting one is so great, thanks for sharing such useful financial tools.
“Thank you so much for sharing all this wonderful info with the how-to’s!!!! It is so appreciated!!!”
very informative blog
10 Free Household Budget Spreadsheets for 2020
the topic is great…. keep posting such blogs
Hi,
I use #1 Template. It was very useful to do my household Expenditure.
Thank you so much for sharing..
I just start using the personal budget worksheet, Thank you for these spreadsheets. Its’s Help Full.
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.
Hi,
Such a nice thing shared very useful for managing home budget, keep updating us thank you.
Thank You very much. That is what I was looking for. 🙂
thank you
That’s great Stuff, Bob. I will surely try this spreadsheet.
Thanks for sharing quality blogs
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.
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.
that was helpfull thanks
This is really helpful. Thanks for sharing this helpful post.
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.
Thanks for sharing this is really helpful
good post
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
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.
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.
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?
hmmm, not sure what was going on, but it seems to be working now!