Monthly Budgeting Template for Google Spreadsheets
Track every dollar that comes in and goes out each month. Categorize expenses, compare spending to your budget, and see where your money actually goes. Works in Google Sheets - just copy the template and start using it.
One-time payment • Lifetime access • Money-back guarantee
Ready-to-use Spreadsheet Template
Everything You Need to Master Your Monthly Budget
Complete Financial Overview
See your total income, expenses, net balance, and savings rate at a glance. The dashboard updates automatically as you add transactions throughout the month.
- Total income & expenses
- Net balance calculation
- Savings rate tracking
Individual Transaction Tracking
Record and categorize every transaction with predefined or custom categories. Identify spending patterns and know exactly where your money goes.
- Custom category options
- Date and description fields
- Income & expense separation
Income Budget vs Actual
Set monthly income targets and track actual earnings. See the variance between planned and received income for each category - salary, freelance, investments, and more.
- 11 income sources
- Budget vs actual tracking
- Variance calculations
Expense Budget vs Actual
Plan your spending by category and track how much you actually spend. Instantly see if you're over or under budget for rent, groceries, entertainment, and more.
- 17 expense categories
- Real-time tracking
- Over/under indicators
Expense Analytics & Alerts
Visual dashboard showing expense totals, budget compliance, and spending alerts. Get notified when categories exceed their budget limits.
- Total expense tracking
- Budget vs actual comparison
- Overspending alerts
Savings Budget vs Actual
Plan monthly savings contributions across emergency fund, retirement, investments, and custom categories. Track actual savings against your targets.
- Multiple savings types
- Monthly contribution tracking
- Target vs actual comparison
Complete Savings Overview
See your total savings, compare actual vs planned by category, track your savings rate, and get alerts when you're falling behind on your savings targets.
- Savings rate tracking
- Goal funding status
- Behind-plan alerts
Savings Goals with Progress
Define multiple savings goals with target amounts and track your progress. See how much you've saved toward each goal and how close you are to reaching them.
- Multiple goals
- Progress percentage
- Running totals
Goals Overview & Validation
Visual dashboard showing all goals, their progress, and auto-reconciliation with your savings transactions. Know if your goals match your actual savings.
- Progress visualization
- Auto-reconciliation
- Validation alerts
Distribution Charts
Visualize where your money goes with pie charts showing income sources, expense allocation, and savings distribution. Make data-driven decisions at a glance.
- Expense distribution chart
- Income source breakdown
- Savings allocation chart
50/30/20 Rule & Zero-Based Budgeting
Built-in support for popular budgeting methods. See if you're hitting the 50% needs, 30% wants, 20% savings targets - or use zero-based budgeting to allocate every dollar.
- 50/30/20 rule tracking
- Zero-based budgeting
- Need vs want classification
Flexible Category System
Start with 17 expense categories, 11 income sources, and 3 savings types. Add, rename, or remove categories to match exactly how you think about your money.
- 17 expense categories
- 11 income sources
- Fully customizable
Step-by-Step Instructions
Clear instructions built right into the template. Follow the guided setup to configure categories, set budgets, and start tracking - no spreadsheet experience needed.
- Built-in documentation
- Guided setup process
- Tips and best practices
Customizable & Flexible
Easily adapt the template to your specific needs. Add, remove, or modify sections to match your spending habits.
- Add custom categories
- Modify sections
- Adapt to your needs
Simple 4-Step Process
How It Works
Download & Access
Get instant access to the template via Google Sheets. One-time payment, lifetime access.
Add Transactions
Enter your income and expenses as they happen. Categorize each transaction for better tracking.
See Your Totals
Watch as the template automatically calculates totals by category and shows your spending patterns.
Stay on Budget
Use the insights to make informed spending decisions and track your progress each month.
Customer Reviews
What Our Customers Say
If I get half as good at handling my finances as you are at customer service, this'll be the best $26 I've spent lately.
Great tool! Simplifies financial planning without the hassle of complex spreadsheets.
I recently purchased your super convenient spreadsheet, it really helps me!
Built for Results
Why This Template Works
Many Categories
Pre-built expense and income categories. Add, rename, or remove to match your spending.
Easy to Use
Enter numbers in highlighted cells. Pre-built formulas do the calculations.
Google Sheets Based
Access anywhere, on any device. Cloud-based.
Always Improving
Free updates included at no extra cost.
Privacy First
Your data stays private. We never see it.
Lifetime Access
One-time payment. Own it forever.
Got Questions?
Frequently Asked Questions
Is this template free to use?
This template is not free, but it is available for a one-time payment. This payment gives you lifetime access to the template and all future updates.
What do you mean by lifetime access?
Lifetime access means that you will have access to this template for as long as you need it. You will not be required to pay any additional fees for continued access to the template or any future updates.
Do I need to sign up to use this template?
You don't need to create an account with us. The template works in Google Sheets, so you'll need a Google account. If you don't have one, you can create one for free at google.com. After you purchase the template, copy it to your Google Drive, and start using.
What are the benefits of using this template?
This template offers a range of benefits, including: Easy-to-use interface, Customizable to suit your needs, Secure and private, Regular updates and improvements, One-time payment for lifetime access.
Can I get future updates?
Yes, you will receive all future updates to this template at no additional cost. This ensures that you always have access to the latest features and improvements.
Do you offer any discounts?
At this time, we do not offer any discounts on this template. However, the template is available for a one-time payment, which provides lifetime access and free updates.
Do you have any access to my financial data?
No, we do not have access to your financial data when you use this template. The template is designed to be used in your own Google Sheets account, ensuring that your financial information remains private and secure.
Is this template financial advice?
Our templates are not financial advice. They are tools designed to help you manage your personal finances more effectively. If you need personalized financial advice, we recommend consulting with a financial advisor or accountant.
Can I make my own changes and customize this template?
Yes, you can make your own changes and customize this template to suit your needs. The template is designed to be flexible and adaptable, allowing you to add or remove sections, change formulas, and adjust formatting as needed.
Do you offer technical support?
This is a self-service product, and we do not offer technical support. However, if you encounter any issues or have any questions about the template, please contact our team for assistance. Because everyone's financial situation is unique, we recommend that you consult with a financial advisor or accountant if you need personalized financial advice.
Can't find the answer you're looking for? Contact our team
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Ready to Take Control of Your Budget?
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