Free Excel budget templates
Six spreadsheets with working formulas, conditional formatting, and data bars. Download and use them however you like.
50/30/20 Budget
Automatic bucket tracking with green/red alerts when you go over.
What's inside ↓
- — Bucket dropdown (Needs / Wants / Savings) auto-routes every row via SUMIF
- — Three summary cards: ceiling, spent, and remaining per bucket
- — Green/red conditional formatting triggers the moment you go over
- — Data bars show relative spend share across buckets at a glance
- — Pre-filled with 20 common expense categories — rename any row
Zero-Based Budget
Assign every dollar a job. Counter shows exactly when you hit $0.
What's inside ↓
- — "Dollars Remaining to Assign" countdown from income to $0
- — Turns green when within $0.01 of zero
- — Budgeted vs. Actual vs. Difference for all 23 categories
- — Data bars on Actual column show biggest spending categories
- — Sinking Funds & Goals block with funded % data bars
Irregular Income Budget
Finds your income floor automatically from 12 months of history.
What's inside ↓
- — Floor, average, and highest income auto-calculate from 12 months
- — "Floor covers fixed expenses?" YES/NO check
- — Data bars on income history highlight worst and best months
- — Holding account tracker with running balance
- — Sinking Funds & Goals block with funded % data bars
Couple Budget
Split shared costs proportionally by income. Personal allowance built in.
What's inside ↓
- — 3-way split toggle: Proportional, Equal (50/50), or Custom %
- — 13 shared expense categories with auto-calculated split per partner
- — Individual spending allowance — no-questions-asked money per partner
- — Combined summary with remaining unassigned income
Debt Payoff Calculator
Avalanche vs Snowball vs Custom order side-by-side. Shows exact payoff date and total interest.
What's inside ↓
- — Full per-debt amortization — not approximations
- — Avalanche vs Snowball vs your own Custom order comparison
- — Payment rolldown: freed minimums redirect to the next target
- — Months to payoff, total interest, and estimated payoff date per method
- — Data bars on current balances show relative debt sizes
Net Worth Tracker
12-month asset and liability tracking with automatic net worth calculation.
What's inside ↓
- — 8 assets + 6 liabilities tracked across 12 months
- — Net Worth row: green when positive, red when negative
- — Month-over-month trend row with delta formatting
- — Goal section: enter a target and track months to goal
- — Progress-to-goal data bar updates live