Even in this era of personal finance apps, Excel budget templates remain the most popular tool for managing money.
But with thousands of free Excel budget templates available across the internet, it can be difficult to find the perfect spreadsheet for your needs.
So we rounded up the best free personal and family Excel budget spreadsheets around the web. Let us know if you’d like us to consider including a template you designed or enjoy using!
1. Tiller Foundation Template for Excel
The Tiller Foundation Template is the only automated Excel budget workbook recommended by Microsoft. Powered by Tiller Money Feeds, the Foundation Template automatically tracks your daily spending, income, and account balances.
The Foundation Template includes several sheets and utilities to help you track expenses, budget, and save money:
In 2022, Microsoft officially recommended the Tiller Foundation Template to replace Money in Excel.
Tiller and the Foundation Template are completely free for 30 days. You can easily cancel your trial and keep the Foundation Template before your card is charged. And Tiller has a fast and easy money-back guarantee.
2. Budget Plan Template
The Budget Plan Template for Microsoft Excel template helps you easily build detailed, accurate budgets based on your past financial habits and trends. It’s very easy to start out with but also offers powerful options to allow you to customize your budget to your needs. This spreadsheet also integrates with the Tiller Foundation Template.
3. Year-to-Date Comparison Template
The Year-to-Date Comparison Sheet for Microsoft Excel provides budget versus actual analysis for the year-to-date period. It integrates with the Tiller Foundation Template to automatically track how your actual spending compares to your budgeted spending.
4. Simple Monthly Budget for Excel
With this personal monthly budget template from Microsoft, you just fill in a few cells with your numbers and the rest of the budget is calculated automatically. It also includes the option to compare projected budgets with actual spending so that you can improve your budgeting accuracy in the future.
5. Simple Annual Budget
If you prefer to budget on an annual basis, the Simple Annual Budget is for you. Several bar charts help you track income and expenses on a monthly and yearly basis.
6. Personal Excel Budget from Vertex42
This popular personal budget spreadsheet is a simple way to create a budget, especially if you need ideas for budget categories. If this one doesn’t suit your needs, Vertex42 offers many more budget templates.
7. Monthly Budget Calendar for Microsoft Excel
The Monthly Budget Calendar is a streamlined spending tracker and monthly budget for Microsoft Excel. Set your monthly spending target, track your daily and cumulative spending, and see how much you have left before the end of the month – or before you hit your spending target. This spreadsheet integrates automatically with the Tiller Foundation Template.
8. NerdWallet’s Budget Worksheet
The NerdWallet Budget Worksheet follows the 50/30/20 budgeting system, which recommends you spend 50% of your income on needs, 30% on wants, and 20% on savings.
