Free template · Personal Finance
Monthly budget template
A one-page monthly budget laid out by needs, wants and savings, with a planned and an actual column so you can see where the month went off track.
CSV opens in Excel, Google Sheets (File → Import) and Numbers. Totals and differences are live formulas. No sign-up, no email.
Preview
| Category | Type | Planned | Actual | Difference |
|---|---|---|---|---|
| Rent or mortgage | Need | 1,200 | 1,200 | 0 |
| Utilities | Need | 180 | 195 | -15 |
| Groceries | Need | 420 | 465 | -45 |
| Transport | Need | 160 | 140 | 20 |
| Phone and internet | Need | 70 | 70 | 0 |
| Insurance | Need | 90 | 90 | 0 |
| Minimum debt payments | Need | 140 | 140 | 0 |
| Eating out | Want | 160 | 230 | -70 |
| Subscriptions | Want | 45 | 45 | 0 |
| Shopping and hobbies | Want | 150 | 120 | 30 |
| Emergency fund | Savings | 300 | 300 | 0 |
| Extra debt payment | Savings | 200 | 200 | 0 |
| Total | 3,115 | 3,195 | -80 |
How to use it
Fill in Planned at the start of the month from your take-home pay. A common starting split is 50% needs, 30% wants and 20% savings.
Update Actual weekly from your bank statements or receipts.
A positive Difference means you spent less than planned; negative means more. Look at the two biggest negatives each month.
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