This personal budget spreadsheet keeps your whole month on one simple page. Write your income and expenses, tick bills as you pay them, and four tiles show what came in, what went out, your balance and how many bills are paid. A built-in 50/30/20 panel tells you if your spending is balanced.
Who this template is for
- Young adults building a first budget
- Anyone following the 50/30/20 rule
- People who want a simple yearly budget overview
Features
- One clear page: income, expenses and results side by side.
- Budget vs. actual for up to 28 expenses, with the difference in red when you overspend.
- Paid checkboxes: paid bills are crossed out and counted.
- 50/30/20 rule check: needs, wants and savings & debt compared with your income, with targets you can change.
- Spending by type chart and a running balance.
- Month and year drop-downs; duplicate the tab for every new month.
How to use your personal budget
- Download the file right after checkout.
- Open it in Excel, or upload it to Google Drive and open it with Google Sheets.
- Pick the month, then add your income and expenses with their type.
- Fill in the actual amounts and tick bills as you pay them.
What's included
- 1 Excel file (.xlsx) with a Start Here guide and the Budget page with example data.
- Automatic formulas, no macros. Prints on one landscape page.
Compatibility
Works in Microsoft Excel for Microsoft 365 (Windows and Mac) and in Google Sheets. The checkboxes use Excel's built-in checkbox feature.
FAQ
Is this personal budget good for beginners?
Yes. It has one page, plain labels and a short guide. If you want categories, a transaction log and a yearly view, see our Monthly Budget Template.
What is the 50/30/20 rule?
A simple guideline: about 50% of income on needs, 30% on wants and 20% on savings and debt. You can change the percentages.
Is this a subscription?
No. It is a one-time purchase and the file is yours to keep.
Does it work in the free version of Google Sheets?
Yes. Upload the .xlsx file to Google Drive and open it with Google Sheets. A free Google account is all you need.
Can I use it on a Mac, iPad or phone?
Yes. It works in Excel for Mac and Windows, Excel online and the Google Sheets app. For editing, a computer or tablet is the most comfortable.
How do I get the file?
Right after checkout you get a download link on the confirmation page and by email.
More templates like this: Budget Planners.
This is a digital product. No physical item will be shipped.
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