Budgeting Spreadsheets and Templates
For people who'd rather see their own formulas than trust someone else's algorithm, a spreadsheet still beats most apps at being exactly what you make it. This shelf covers free templates for Google Sheets and Excel alongside the handful of paid products built to feed your bank data into one automatically.
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A service that feeds your real bank and credit card transactions into a Google Sheets or Excel template every day, so the spreadsheet stays current without you typing in a single line item. It costs $79 a year after a free trial, with no permanent free tier.
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Google's free, built-in template gallery includes an Annual Budget and a Monthly Budget spreadsheet that work for anyone with a Google account. A newer feature called Sheets Canvas can turn a plain-text description of your budget into an interactive dashboard.
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Microsoft's own template library offers free personal, monthly, and family budget spreadsheets, ready to open in a Microsoft 365 subscription or the free web version of Excel. Every number goes in by hand, there's no bank feed attached.
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A template site that's been building spreadsheets since 2003, offering free Excel and Google Sheets budgets including a personal monthly budget, a zero-based budget worksheet, and a family budget planner. There's no bank sync, just formulas and charts you fill in yourself.
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A spreadsheet-database hybrid with a free Personal Budget template you can duplicate and adapt, useful for anyone who wants filtered views, linked tables, and light automation that a plain spreadsheet can't do on its own. Paid plans start around $20 per user a month and target teams more than individual budgets.
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An all-in-one workspace where widely shared community templates turn a budget into a database, with formulas tracking monthly spending and savings goals next to your other notes. It's free for individual use, with team plans from around $10 a month, and every entry is typed in by hand.
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A doc-and-spreadsheet hybrid with a community gallery of budget templates that mix data tables, notes, and charts on a single page. Pricing starts with a free tier and runs from around $10 a month on paid plans, with manual entry and no native bank feed.