Monthly Budget Tracker Template (Google Sheets & Excel)

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A ready-made budget spreadsheet with twelve monthly tabs and a year summary that totals itself — so you fill in numbers instead of building the sheet. Works in Google Sheets and Excel, formulas included.

What's Inside

• 12 monthly tabs (Jan–Dec) — each with Planned, Actual, Difference, and Notes columns.
• Year Summary tab — pulls every month's numbers automatically; nothing to maintain there.
• Starter categories — three income lines and eleven expense lines (housing, utilities, groceries, subscriptions, savings, and more), all editable.
• Pre-wired formulas — totals and net update as you type. No SUM to write yourself.

How to Use It

1. Download the .xlsx file using the button above.
2. In Google Sheets: go to drive.google.com → New → File upload, pick the file, then open it with Google Sheets. Alternatively, inside any spreadsheet use File → Import → Upload.
3. In Excel: open the file directly.
4. On each month's tab, fill in Planned at the start of the month and Actual as you go.
5. Check the Summary tab any time — it totals the year automatically.

Customizing It

• Rename or add categories. Insert new rows above the relevant Total row so the SUM formulas keep catching them.
• The Difference column is Planned minus Actual. For expenses, a positive number means you're under budget; for income, a negative number means you beat the plan.
• New year. Make a copy of the file (File → Make a copy in Sheets, or Save As in Excel) and clear the numbers — categories and formulas carry over.