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 SpreadsheetsHere 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. free demo, but the full-version is $15. Click here to download Excel File (XLS) | Google Docs Newsletter sign up required
5Free Budget TemplateThis 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 Excel File (XLS) | Google Docs Download: Download XLS or Google Sheets
8GLBL Budget SpreadsheetSimple it is different than most because it works by pay period, rather than by month. Download: Excel File (XLS) 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. Download: Excel File (XLS)
10Personal Budget WorksheetA 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. Download: Excel File (XLS) From Website tracking of daily expenses. Download: Excel File (XLS) | Google Docs
13. Not exactly a budgeting spreadsheetAnd 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.