Best Free Budget Templates and Spreadsheet Tools for Financial Planning
A budget spreadsheet can simplify financial planning and help you stay on track with your money goals. Here are the most reliable free online budget templates and tools you can start using today.
Microsoft Excel Budget Templates
- Free pre-made spreadsheets for household, holiday, event, and business budgets
- Side-by-side monthly income tracking ideal for variable incomes
- Real-time collaboration features
- Requires Microsoft 365 subscription to use on desktop
- Access via create.microsoft.com (search "budgets")
Google Sheets Budget Templates
- Free with Google account (15GB storage included)
- Annual and monthly budget templates
- Business budget options available
- Access across all devices
- Easy sharing with family members
- Find templates at google.com/sheets in the template gallery
FTC Budget Worksheet
- Simple PDF format for beginners
- Comprehensive monthly expense tracking
- Easy to understand and fill out
- Download from Consumer.gov under "Your Money" section
Man writing at desk
Important Considerations Before Choosing a Budget Template:
- Only download from trusted sources to avoid scams
- Ensure the template matches your specific needs
- Consider automated budgeting apps if spreadsheets aren't your style
- Review your current budget to identify gaps and priorities
- Make sure the format works with your available software
Tips for Success:
- Update your budget regularly
- Track all expenses consistently
- Adjust categories as your needs change
- Share access with relevant family members
- Back up your spreadsheet regularly
Choose a budgeting tool that matches your financial goals and technical comfort level. The best budget is one you'll actually use consistently to track your income and expenses.