Free Monthly Budget Template for Google Sheets

Stop struggling with your budget. Start succeeding with our proven template - used by thousands of people to save money and reach their financial goals.

Stop Struggling with Your Budget. Start Succeeding.

Most people fail at budgeting because they're using the wrong tools. Complicated apps, rigid categories, and monthly fees that eat into the money you're trying to save.

Our free Google Sheets budget template is different.

✅ Simple to use - Set up in 15 minutes
✅ Completely customizable - Fits YOUR life, not someone else's
✅ Always free - No subscriptions, no hidden costs
✅ Works offline - Access your budget anywhere
✅ Automated calculations - Math done for you

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Already trusted by thousands of people to manage their finances

Why This Template Works (When Others Don't)

The Problem with Most Budget Templates

You've probably tried budgeting before. Downloaded some generic spreadsheet, filled it out for a week, then gave up when it didn't fit your actual life.

Here's why most templates fail:

• Too complicated - Dozens of categories that don't match how you spend
• Not flexible - Can't handle irregular income or unexpected expenses
• No guidance - Just empty cells with no instruction
• Outdated design - Looks and feels clunky to use

How Our Template Is Different

Built by real people, for real people. We've perfected this template based on feedback from actual users who needed something that works.

🎯 Smart Categories

• Pre-built categories that actually make sense
• Easy to add, remove, or customize
• Based on how people really spend money

📱 Mobile-Friendly

• Works perfectly on your phone
• Edit on-the-go from anywhere
• Syncs across all your devices

🧮 Automated Math

• Calculations happen automatically
• Shows you exactly where your money goes
• Clear overview of your financial position

📊 Visual Progress

• See your progress at a glance
• Clear financial overview
• Monthly summary tracking

What's Included in Your Free Template

📋 Complete Budget Worksheet

• Income tracking - All income sources in one place
• Expense categories - Smart categories that cover everything
• Monthly overview - See your full financial picture
• Balance calculations - Automatic totals and remaining amounts

📊 Automated Calculations

• Total income - Automatically sums all income sources
• Total expenses - Adds up all spending categories
• Remaining balance - Shows what's left after expenses
• Category totals - Track spending by category

🎯 Goal Setting Features

• Savings targets - Set and track savings goals
• Spending limits - Budget amounts for each category
• Progress tracking - See how you're doing month to month
• Customizable categories - Add what matters to your life

How to Use Your Monthly Budget Template (Step-by-Step)

Step 1: Download & Open (2 minutes)

1. Click the download button above to get your template
2. Open in Google Sheets - Works on desktop or mobile
3. Make a copy - File → Make a Copy (so you have your own version)

Pro tip: Rename it something like "My Budget 2025" so it's easy to find later.

Step 2: Enter Your Income (3 minutes)

1. Go to the Income section (clearly labeled at the top)
2. Add all income sources:
   • Salary/wages (after taxes)
   • Side hustle income
   • Investment dividends
   • Any other regular income
3. Use monthly amounts - If you're paid bi-weekly, multiply by 2.17

Example: If you make $3,000/month salary + $500/month freelancing = $3,500 total

Step 3: List Your Expenses (5 minutes)

Fixed Expenses (same every month):

• Rent/mortgage
• Insurance
• Phone bill
• Subscriptions

Variable Expenses (changes monthly):

• Groceries
• Gas
• Entertainment
• Shopping

Don't overthink it! Start with your best estimates. You can refine these over time.

Step 4: Set Your Budget Goals (3 minutes)

1. Emergency fund - Start with $1,000, then build to 3-6 months expenses
2. Savings goals - Vacation, new car, home improvements
3. Debt payoff - List debts and target payments
4. Long-term goals - Retirement, major purchases

Step 5: Track Throughout the Month (Daily)

Option 1: Manual Entry

• Add expenses as they happen
• Takes 30 seconds per transaction
• Most accurate method

Option 2: Weekly Review

• Check bank/credit card statements
• Enter all expenses at once
• Takes 10 minutes weekly

Option 3: Use Avery for Automation

• Connects to your bank accounts
• Imports transactions automatically
• Categorizes everything for you
• Keeps your Google Sheets updated in real-time

Advanced Tips to Maximize Your Budget

The 50/30/20 Rule Made Easy

Our template helps you implement this popular budgeting method:

• 50% Needs - Rent, groceries, utilities, minimum debt payments
• 30% Wants - Entertainment, dining out, hobbies
• 20% Savings - Emergency fund, retirement, debt payoff

Irregular Income? No Problem.

Use the "Conservative Estimate" method:

1. Look at your income for the last 6 months
2. Use the lowest month as your budget baseline
3. Treat extra income as bonus savings or debt payoff

Example: Your income ranges from $2,500-4,500/month. Budget based on $2,500, save the extra in good months.

Automate Your Success

Set up these systems to make budgeting effortless:

Automatic Transfers:

• Move savings the day you get paid
• Set up separate accounts for different goals
• Use automatic bill pay for fixed expenses

Weekly Money Reviews:

• Schedule 15 minutes every Sunday
• Review the past week's spending
• Plan for the upcoming week

Handle Budget Challenges

When you overspend (and you will):

1. Don't abandon the budget - adjust and move forward
2. Find the money elsewhere - reduce another category
3. Learn from it - identify why it happened and how to prevent it

Common budget challenges and solutions:

• Eating out → Meal prep Sundays, keep healthy snacks handy
• Impulse purchases → 24-hour rule, unsubscribe from retailer emails
• Car repairs → Build a car maintenance fund ($50/month)
• Medical expenses → Health Savings Account (HSA) if available

Frequently Asked Questions

Is this budget template really free?

Yes! Completely free, no strings attached. We believe everyone deserves access to good financial tools. No email required, no trial periods, no hidden fees.

Do I need to use Avery to make this work?

Not at all! This template works perfectly in any Google Sheets account. Avery just adds automation features like bank syncing and automatic categorization, but the template functions great on its own.

Can I customize this for my situation?

Absolutely! Add categories, remove ones you don't use, change the layout, modify the formulas - it's yours to customize. We've made it flexible so it adapts to your specific needs.

What if I've never used Google Sheets before?

No worries! Google Sheets is like Excel but simpler and cloud-based. If you can use a calculator, you can use this template. Plus, we include clear instructions to get you started.

I have irregular income. Will this work for me?

Yes! We have specific guidance for freelancers, contractors, and anyone with variable income. The key is budgeting conservatively and treating extra income as a bonus.

Can I share this with my spouse/partner?

Definitely! Google Sheets makes it easy to share and collaborate. Both people can edit in real-time, which is perfect for couples managing money together.

How is this different from apps like Mint or YNAB?

• Cost: Free vs $10-15/month
• Control: You own your data vs company controls it
• Customization: Infinite flexibility vs limited options
• Learning: Understand your finances vs black box algorithms

What if I need help setting it up?

We've got you covered! The template includes:

• Clear instructions and example entries
• Email support if you get stuck
• Step-by-step setup guidance
• Tips for customizing it to your needs

Ready to Take Control of Your Finances?

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Instant download - no email required

What happens after you download:

1. Immediate access - Template opens directly in Google Sheets
2. Make it your own - Copy and customize for your situation
3. Follow the setup guide - Be budgeting in 15 minutes
4. Start saving money - See exactly where your money goes

What people are saying:

"Finally, a budget template that actually makes sense for real life. I can see exactly where my money goes each month." - Sarah M.

"I've tried so many budgeting apps, but this simple spreadsheet works better than anything else I've used." - Mike K.

"The automated calculations save me so much time. I just enter my expenses and everything updates automatically." - Jessica R.

Take Your Budget to the Next Level

Love the template but want even more automation?

Avery connects your bank accounts directly to Google Sheets, so your budget updates automatically. No more manual entry, no more guessing where your money went.

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What Avery Adds:

• Automatic bank syncing - Transactions import automatically
• Smart categorization - AI sorts your expenses
• Multiple account support - Checking, savings, credit cards
• Real-time updates - Always current, always accurate

Perfect for people who want professional-level budgeting without the manual work.

More Free Financial Templates

Looking for other financial tools? Check out our other templates:

• Small Business Bookkeeping Template - Complete accounting system for entrepreneurs
• Property Management Financial Tracker - Perfect for rental property owners
• Debt Payoff Calculator - Strategic debt elimination planning

All free. All Google Sheets. All designed to help you succeed financially.

Join thousands of people who have taken control of their finances with our proven templates.

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