If you’re new to budgeting, the process can sound a little intimidating and, in some cases, confusing. This is very normal, which is why many companies are offering budget templates.
Budget templates take away most of the guesswork by preparing the layout for you in advance, with the only thing left to do to fill in your numbers.
Budget templates come in all shapes and sizes, including templates for a personal budget, a household budget, and everything in between.
Ultimately, budget templates are a tool that can help you get your finances in balance.
15 Best Budget Templates
Here are the top 15 budget templates you can start using today:
- Personal Capital
- Simplifi by Quicken
- Google Sheets Free Budget Templates
- Microsoft Excel Budget Templates
- Free Budget Printable from A Mom’s Take
- The Savvy Couple Free Budget Templates
- Frugal Fanatic
- Pretty Presets
- Frugal Mom eh!
1. Personal Capital
Personal Capital‘s approach to budgeting follows its ethos – a simple budget template is not enough to take control of your finances.
That’s why they offer a template that covers all of your bank accounts and investment accounts, including savings and checking, loans, 401k, and several others.
Their budget template is available through the Personal Capital dashboard free tools. It includes categories, variable and fixed spendings, as well as hot spots to help you make sure to stay on track.
Check out our Personal Capital review to learn more.
Mint’s budgeting template offers some automation to help yo draw up your monthly and yearly budgets faster.
It looks at your spending habits and makes suggested cutbacks to help you save money. You will then see how much money you can save by reducing the amount of money you spend in a single category.
The budget tracker also updates automatically so that you’ll know how much money you have left instantly – allowing you to adjust your budget to avoid slipping into the red.
YNAB’s budgeting template is built on four rules designed to make budgeting as easy as possible.
To help you get started, there are live online workshops that are available every day. You can use YNAB’s budgeting templates to track goals with graphs and charts that make it easy and fun to measure progress.
Using YNAB, you can work on your budget using a variety of devices, including smartphones, tablets, computers, as well as Apple Watch.
4. Simplifi by Quicken
Simplifi by Quicken was voted as the best budgeting app by the New York Times, making it one budgeting template worth looking into.
You can install the app on Google Android and Apple iOS devices, with the app easily downloadable from Google Play and App Store, respectively.
Simply connect your accounts so that your budget is always updated with the latest figures. You can also set saving goals to receive insights that help you stay on track.
EveryDollar provides customizable templates that make it easy to set budgets your own way.
To start, you’ll first need to add your monthly income and monthly expenses. Once this is done, you can either connect your bank account to automatically track spending or input transactions manually.
Once data is entered, it will automatically sync across all of your devices, making it that much easier to stay on top of your budget.
To get started with EveryDollar, simply visit their website and create your budgeting account for free.
Mvelopes uses the envelope budgeting technique to help you achieve financial peace of mind. Using this method, every dollar earned is assigned into an envelope.
The envelope works as a category, helping you make sure that all money earned is given a purpose. From eliminating debt to controlling how you spend your money, the envelope budgeting system can reduce stress and build better financial habits.
Mvelopes offers three different plans to choose from, depending on your budgeting requirements.
7. Google Sheets Free Budget Templates
Google Sheets is a spreadsheets software program that can very easily be adapted to meet your budgeting needs. You can very easily create your own or download one of the many Google Sheets free budget templates available online.
You can also download a ready-made template and then adapt it to your needs.
Google Sheets is available for free online. All you need is a Google account and an internet connection to get started.
8. Microsoft Excel Budget Templates
Just like Google Sheets, Microsoft Excel is a spreadsheet software program that can be accessed online or installed on your computer or smartphone.
You can find many Microsoft Excel budget templates pre-configured with the software, and they’re essentially budgeting spreadsheets. You can also download them for free online.
To access the online version of Excel, you need a Microsoft account, which you can create for free. The good news is that it will also grant you access to the rest of the Microsoft Office Suite, including Word, Powerpoint, and Outlook.
9. Free Budget Printable from A Mom’s Take
A Mom’s Take is a blog run by mom blogger Janel. The blog features recipes, family activity ideas, and other fun and useful information.
On the website, you can also find a printable family budget worksheet that can be downloaded for free.
The worksheet is easy to use with a number of color-coded categories that you can easily fill in. You can also easily work out the difference between the expected and actual spending, helping you do better next time.
10. The Savvy Couple Free Budget Templates
The Savvy Couple is a blog site run by Kelan and Brittany. The aim of the blog is to help families better manage their finances through useful advice and downloadable freebies.
Here, you will find some 10 different budget templates that can be downloaded for free.
The first one on the list is a free template designed by the couple themselves. It offers a simple and straightforward way to create a budget, perfect if you’re just getting started with your first budget.
11. Frugal Fanatic
Frugal fanatic is a website designed to help people save and make money. They offer a number of ebooks and worksheets, all downloadable from their website.
On offer is a budget spreadsheet template that includes many of the budgeting functions usually reserved for apps. The spreadsheet features monthly budget templates in separate tabs with a yearly summary providing a general overview.
The spreadsheets also include formulas so that all calculations are done automatically, making budgeting that much easier to complete, month after month.
12. Pretty Presets
Pretty Presets is a photography blog aimed at helping photographers. The founders of the blog are offering clear and easy-to-use budgeting worksheet templates along with useful tips on how to plan your budget.
The templates can be downloaded for free from their website, with each section uniquely color-coded to help you understand your financial situation that much faster.
The blog also includes tips for self-employed people who might be struggling with budgeting due to variations in income. This alone makes it worth checking it out!
Keepify has one mission – to improve online financial tools for consumers. They offer a number of budget templates, available for both Google Sheets as well as Microsoft Excel.
All templates are available for free, with a number of different templates designed for specific use cases such as annual budgets, wedding budgets, Christmas budgets, and many others.
Keepify also offers many useful tips to make your budgeting a success for those new to budgeting as well as veterans with a few budgets under their belt.
Vertex42’s budget template can help you get out of debt fast, using the snowball method.
Using this type of budget, you can pay off all debts faster by snowballing payments. This can help you save money on interest payments.
While the snowball method is designed to get you out of debt faster, it still remains important to consider any other financial obligations to avoid increasing risks.
Vertex42’s templates are available for Microsoft Excel, Google Sheets, as well as Open Office.
15. Frugal Mom eh!
Frugal Mom eh! is a blog run by blogger Elizabeth. While she offers all kinds of tips to moms, her budget templates are well considering.
The colorful templates use the snowball method and can be downloaded for free as a PDF to be printed and filled in.
The templates come with very detailed instructions on filling them in and tips on how to make sure your money lasts. The templates also include matching printable envelopes to keep your money safe.
Why Do You Need a Budget Template?
Managing your personal finance is not always easy.
From managing your cash flow to clearing credit card debt, a budget planner can be very useful.
From a simple budget to a more complex one, having a budget can provide you with a framework to make sure you don’t overspend while identifying areas that might need more attention.
In most cases, budget templates follow a methodology that has been proven to work. Even if you have done budgets in the past, by downloading a template, you might be able to find a better way to manage your money.
While some templates require a payment, many of them are free, making them well worth trying. It is also worth mentioning that many of the paid versions come with a 30-day trial and even longer in some cases.
Think of budgets as an expense tracker. They are not something you fill in once and then forget. Rather, it’s something you can refer to time and again, offering useful insights to help you manage your finances better.
Stay On Top of Your Finances with a Budget Template
Budgeting is an important aspect of good financial management. This is especially true if you’re growing your net worth, trying to get out of debt, or would like to practice better money management.
While it might sound daunting in the beginning, it does get easier with time. Don’t give up, and it will be well worth your while.
The good news is that there are many different budget templates available. From weekly budget templates to monthly and yearly, you can go as detailed as you want, helping you choose the best budgeting method that works for you.
It is also important to remember that there is no best budgeting template that works for everybody.
Since everyone has different financial needs and requirements, what works best for one person, might not be what works best for the next person.
Because of this, it’s important to find the best budgeting method that works for you and stick with it.