Personal Budget Spreadsheet

Take control of your finances and plan your savings — all in one easy-to-use spreadsheet.

This fully customizable Personal Budget Spreadsheet helps you track your income, expenses, and savings month by month, giving you a clear overview of your financial habits throughout the year.

Whether you're budgeting for yourself or your household, this template includes pre-set categories like home, transportation, daily living, and more. You'll be able to:

• ✅ Track monthly income and expenses
• ✅ See a clear breakdown of your savings
• ✅ Set and monitor savings goals
• ✅ Identify high-spending months vs high-saving ones
• ✅ Calculate your "Potential to Save" each month

Designed to be simple yet powerful, this spreadsheet gives you real-time insights into your finances and helps you stay on top of your money.

But that’s not all — the interactive Dashboard sheet gives you a visual breakdown of your budget:

• ✅ Pie charts for income vs expenses
• ✅ Line charts for income, spending, and savings trends
• ✅ Bar and doughnut charts showing how your money flows across categories each month

Everything is automatically calculated and beautifully visualized — no formulas or setup needed.

Whether you're trying to save more, spend less, or just understand where your money’s going, this template is your personal finance assistant.

Getting started is simple: just download the template and begin by entering your income and expenses into the spreadsheet.

The first worksheet is your Personal Budget tracker, where you'll log all your income sources along with the amounts received from each. To make things easier, the template comes pre-filled with a variety of common income categories, so you can hit the ground running with minimal setup.