Monthly Budget Spreadsheet Template Excel & Google Sheets

This Monthly Budget Spreadsheet is designed to help you track income, expenses, savings, investments, bills, and debt in one place. Whether you're trying to stick to a budget, pay off debt, or grow your savings, this spreadsheet provides a clear and structured way to manage your money effectively.

Who Is This For?

This spreadsheet is perfect for anyone who wants a better handle on their finances. It works well for individuals managing personal budgets, families keeping track of household expenses, freelancers organizing irregular income, and anyone looking to save more and spend smarter.

Key Features

• Customizable Currency & Categories – Set your base currency once, and it will update across the spreadsheet. Create up to 50 custom categories for income, savings, investments, debt, bills, and expenses to match your financial needs.
• Smart Bill & Debt Calendar – Automatically tracks all upcoming bill and debt payments. Once a payment is made, it will be crossed out so you can easily see what’s been paid and what’s still due.
• Automated Calculations – Just enter your transactions, and all totals will update automatically, giving you a real-time view of your finances.
• Multi-Currency Support – Enter transactions in any currency, and they will be automatically converted to your base currency for accurate tracking.
• Budget & Transaction Tracker – Compare your planned vs. actual spending, log all transactions in one place, and make sure you stay on track with your budget.
• Built-In Instructions – A step-by-step guide on the first tab makes it easy to set up and use, even if you’re not experienced with spreadsheets.

What’s Inside?

• Dashboard – A clear overview of your finances, showing your income, spending, savings, investments, and debt in one place.
• Transactions – A log for all transactions, categorized automatically to keep everything organized.
• Bill Calendar – A fully automated calendar that tracks due dates for bills and debt payments.
• Budget Tracker – A section to compare planned spending with actual spending for each category.
• Savings & Debt Tracker – A space to monitor savings progress and keep track of debt repayments.

This spreadsheet is built to simplify budgeting and give you a clear picture of your financial situation. With automatic updates, easy tracking, and a structured layout, it helps you stay organized and in control of your money.