Budget Spreadsheet Google Sheets & Excel

What you get

I have ADHD, and a budget I can't read at a glance is a budget I stop opening. So each month here fits on one page: what came in, what you planned for every category, what you actually spent, and what is left to budget. You choose the method. Zero-based: give every dollar a job until LEFT TO BUDGET reaches 0. 50/30/20: see how needs, wants and savings compare with your targets.

What's inside (18 tabs)

• Start here: setup in 5 steps, how to open it in Google Sheets
• Setup: currency ($, €, £, CA$, A$), year (2026, 2027 or 2028), budget method, target split, up to 6 income sources and 30 categories you can rename (10 needs, 10 wants, 10 savings & debt)
• 12 monthly budgets (Jan to Dec): income, planned vs actual for every category, left to budget, and a budget check with needs, wants and savings as % of income against your targets
• Transactions: 1,200 rows with category drop-downs; actual spending flows into the right month
• Annual Overview: all 12 months side by side, plus planned vs actual for each category
• Sinking Funds: 8 funds for irregular costs, with monthly contributions, progress and what is still to go
• Dashboard: income, spent, saved, savings rate, top spending categories (donut chart), planned vs actual by month, savings over the year, your split vs target

How it works

1. In Setup, pick your method and check your category names.
2. Type your planned income and amounts for January. Later months copy the month before, so you only change what is different.
3. Log purchases in Transactions and pick a category. Planned vs actual updates by itself.

Colors and files

You get 4 files: the same planner in 3 color themes (Lavender, Blush, Sage), ready to use and empty, plus one EXAMPLE file filled with sample numbers so you can see every feature at work.

Compatibility

• .xlsx for Microsoft Excel 2016 or newer (Windows, Mac, Excel online) and Google Sheets (free Google account: upload and open, steps in the file); also opens in LibreOffice
• No macros, no add-ons, no subscription
• Formulas are locked so you can't break them by accident; your cells are shaded

Please note

Digital download: nothing is shipped. The photos show the example file. For personal budgeting, not financial advice. For personal use, please don't resell or share the file.

Made with the help of AI tools and checked by hand.