Monthly Budget Spreadsheet Template Excel and Google Sheets

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Take control of your finances with this all-in-one Monthly Budget Spreadsheet for Excel & Google Sheets.

It’s designed to help you manage income, expenses, savings, investments, bills, and debt from one convenient place. Whether you're budgeting monthly expenses, aiming to grow your savings, or working to pay off debt, this tool offers a clean and organized system to stay on track.

Who It’s For:

This template is ideal for anyone wanting to get better with money — whether you're managing a personal budget, tracking household expenses, handling fluctuating freelance income, or setting savings goals.

Main Features:

• Custom Categories & Currency Setup

 Choose your base currency once, and the entire spreadsheet updates accordingly. Create up to 50 personalized categories to tailor income, savings, bills, investments, and debt to your situation.

• Automated Bill & Debt Calendar

 View all upcoming payments in a dynamic calendar. Once you mark something as paid, it’s automatically crossed off — so you always know what’s left.

• Smart Calculations

 Totals update instantly as you log transactions, giving you a live snapshot of your financial status.

• Multi-Currency Friendly

 Enter transactions in any currency — they’ll be converted to your base currency for consistent tracking.

• Budget & Expense Tracking

 Plan your monthly budget and track spending with ease. See where you stand by comparing projected vs. actual amounts in each category.

• Beginner-Friendly Setup

 Clear instructions are built right into the spreadsheet to guide you through every step, even if you’re new to budgeting.

What’s Included:

• Dashboard – A snapshot of your entire financial picture in one place.
• Transaction Log – A simple space to record all income and expenses.
• Bill Calendar – An interactive calendar that keeps tabs on due dates.
• Budget Tracker – Plan and compare your budget vs. reality.
• Savings & Debt Monitor – Track your goals and repayments with clarity.

This spreadsheet makes budgeting simple. With automatic calculations, an intuitive layout, and powerful tracking tools, it helps you get organized, stay on budget, and feel confident about your financial future.

WHAT’S INCLUDED?

• Step-by-step instructions 
• 4 Templates of Spreadsheets
• Sample Google Sheet with Mock Data
• Blank Google Sheet
• Sample Excel with Mock Data
• Blank Excel
• Editable in Google Sheets and Microsoft Excel
• Compatible with MAC, PC, Phones, or Tablets

HOW IT WORKS & REQUIREMENTS

YOU WILL NEED:

• A device to access Google Sheets or Microsoft Excel
• A Google Account (if using Google Sheets)
• Microsoft Excel software (if using Excel)
• Basic computer skills

HOW IT WORKS:

• Purchase and download instantly.
• Open the PDF file to access the Google Sheet link.
• Download the Excel template.
• Open the spreadsheet and start planning!

IMPORTANT TO KNOW:

• This is a digital download; no physical items will be shipped.
• Due to the nature of digital products, all sales are final, and refunds are not available.

COLOR DISCLAIMER:

Please note that colors in the spreadsheet may vary slightly due to screen display differences on your device. This can include variations in color on phones, tablets, and computers.

Note: For the best experience, we recommend using a desktop or laptop for full editing capabilities.