Aspire Budget

Aspire Budget is a community-maintained Google Sheets template that handles zero-based budgeting with formula-driven envelopes, spending reports, and a dashboard view of your categories. Being a spreadsheet means it's free and fully transparent, and you own the file. Updates come from the community rather than a company.

Ideal for people comfortable in spreadsheets who want a polished template instead of building from scratch. You can customize it freely without vendor lock-in. Works well for households that already use Google Workspace and prefer a flat-file budget over another app.