Free download
Free Budget Planner Spreadsheet
Download our free budget planner to plan each month's income, expenses and savings. It works in Excel, Google Sheets and Apple Numbers, needs no sign-up, and keeps your data on your own device.
Last reviewed
smartpath-budget-planner.csv
| Type | Category | Planned | Actual |
|---|---|---|---|
| Income | Take-home pay | $3,600 | $3,600 |
| Needs | Rent | $1,400 | $1,400 |
| Needs | Groceries | $450 | $482 |
| Needs | Transportation | $300 | $271 |
| Goals | Emergency fund | $250 | $250 |
| Goals | Extra debt payment | $350 | $350 |
| Wants | Dining & entertainment | $200 | $236 |
Download the planner
Includes 30+ common categories grouped as needs, wants and goals, with planned vs. actual columns and a monthly difference row.
Download free spreadsheet (CSV)Open in Google Sheets via File → Import, or open directly in Excel or Numbers.
How to use it
- Enter your monthly take-home pay in the Income rows.
- Fill in the Planned column for each category, using last month's statements as a guide.
- Record actual spending each week.
- At month-end, compare Planned vs. Actual and adjust next month's plan.
New to budgeting? Read How to Create a Realistic Budget and Your Complete Guide to Saving & Budgeting.