1 free budget templates · Word and PDF

Free Monthly Budget Template

A monthly budget spreadsheet for a household: income at the top, expenses in groups (housing, transport, food, health, fun, savings and debt), planned and actual amounts side by side, and a summary of what is left over and how much you saved. Every total is a formula, so you only type amounts.

Edit online for free Word file for Word and Google Docs One column, ATS-readable No sign-up, no watermark

Spreadsheet

Monthly Budget

November 2026

Income	Planned	Actual	Difference
Take-home pay	$4,800	$4,800	$0
Side income	$400	$520	$120
Other income	$0	$60	$60
Total income	$5,200	$5,380	$180

Expenses	Planned	Actual	Difference
Housing
Rent or mortgage	$1,650	$1,650	$0
Utilities	$180	$204	-$24
Internet and phone	$120	$120	$0
Housing total	$1,950	$1,974	-$24
Transport
Car payment	$340	$340	$0
Gas and transit	$160	$142	$18
Car insurance	$110	$110	$0
Transport total	$610	$592	$18
Food
Groceries	$520	$548	-$28
Dining out	$180	$236	-$56
Food total	$700	$784	-$84
Health and personal
Health insurance and care	$210	$185	$25
Personal care and clothing	$120	$95	$25
Health and personal total	$330	$280	$50
Fun and subscriptions
Streaming and apps	$45	$45	$0
Hobbies and outings	$120	$160	-$40
Fun and subscriptions total	$165	$205	-$40
Savings and debt
Emergency fund	$300	$300	$0
Retirement (IRA)	$250	$250	$0
Credit card payoff	$200	$200	$0
Savings and debt total	$750	$750	$0
Total expenses	$4,505	$4,585	-$80

Left over$795planned $695

Savings rate13.9%savings and debt payoff

Use this template

Monthly Budget Template

Planned and actual side by side, grouped expenses, and what's left over, all worked out for you.

GlobalXLSX

Guide

Choosing a budget template

Which design fits your field and experience, and what to put on the page.

How to fill it in

At the start of the month, type what you plan to earn and spend in Planned. As the month goes on, type what really came in and went out in Actual. The Difference column shows where you are over or under.

Make it yours

Rename any line, delete the ones you don't need, or insert a row inside a group: the group total includes it as long as it is inside the group's rows.

Google Sheets

Upload the file to Google Drive and open it with Google Sheets. The formulas and the layout carry over, so you can share it with a partner and edit it together.

FAQ

Frequently asked questions

Quick answers about our budget templates.

Is this monthly budget template free?

Yes. Download the Excel file and use it for as many months as you like, with no sign-up.

Does it work in Google Sheets?

Yes. Upload the .xlsx file to Google Drive and open it with Google Sheets. The formulas keep working.

How is the savings rate worked out?

It is the Savings and debt group's total divided by your total income, for planned and for actual. Paying off a credit card counts, because it frees money for next month.