Monthly Budget Spreadsheet
Where the money went, and what is still to go out.
A monthly budget template for households who plan by calendar month and want the spending, the bills and the money set aside for later to live in one file instead of three.
Monthly Budget Spreadsheet is a 9-tab Excel and Google Sheets workbook. 4 you type into, 3 calculated from those and 2 you set once. No macros, so it opens without a security warning.
- This Month Money in, bills still to pay and what remains unpaid, for the current month.
- Year All twelve months side by side, with running totals.
- Funds What you have put aside against each target, and which fund is behind.
Filed under personal finance and cash flow & budgeting.
4 of the 9 tabs, exactly as they look in the file. Click a tab to look inside.
Sound familiar?
What's inside, tab by tab
You only ever type in the highlighted input cells. Everything else is calculated from what you type.
| Tab | What you do | What it does |
|---|---|---|
| Tab 1Start Here | Set once, never again | A one page setup guide inside the workbook. Enter your basics once, in about 5 to 10 minutes. |
| Tab 2This Month | Calculated for you | Money in, bills still to pay and what remains unpaid, for the current month. |
| Tab 3Year | Calculated for you | All twelve months side by side, with running totals. |
| Tab 4Funds | Calculated for you | What you have put aside against each target, and which fund is behind. |
| Tab 5Transactions | You type here | Date, description, category and amount. Room for 800 across the year. |
| Tab 6Budget Plan | You type here | What you intend to spend per category, per month. |
| Tab 7Bills | You type here | Recurring bills with the day of the month they land and how often. |
| Tab 8Sinking Funds | You type here | The annual costs, with a target, a deadline and what to put aside each month. |
| Tab 9Settings & Lists | Set once, never again | Categories, accounts and dates. Change them once and the whole workbook follows. |
Want one quick number first? The free debt payoff calculator shows your debt-free date and total interest. It runs in your browser, no sign-up.
Built like software, priced like a spreadsheet
Enter your data; totals, flags and the dashboard update instantly.
Checked cell by cell before release. Find one and we will fix it.
Formula cells are protected. You can only type where typing is safe.
Both versions in every purchase. No converting, no broken references.
Clean report pages for your records, your accountant, or your next meeting.
Delivered by Etsy the moment you pay. Free updates to this template forever.
How it works
Secure checkout through Etsy, no account needed here.
The Excel file and the Google Sheets link arrive immediately.
Type into the highlighted cells and every total is calculated from what you typed.
Questions, answered
Do I need a paid Excel version?
Any desktop Excel from 2016 onward works, including Microsoft 365. If you don’t have Excel at all, use the included Google Sheets version. It’s free.
Does it fully work in Google Sheets?
Yes. The Google Sheets version is made from the same file as the Excel one and checked in Google Sheets before release. Every formula uses functions that work the same in both.
Is this a one-time purchase?
Yes. One payment, no subscription. You keep the files forever and get free updates to this template.
What does it not do?
It does not connect to your bank, import your statements or sort your spending for you, and it does not track debt payoff; the Debt Payoff Tracker does that. You type your entries in, on one tab.
What’s the refund policy?
Refunds follow Etsy’s rules for digital downloads. If a template doesn’t work as described, email support@elecart.us and we will fix it.
What if I get stuck?
Email support@elecart.us and the person who built the template answers, usually within one business day. Etsy Messages works too.
How much data can it handle?
Input tabs are sized generously and tested with full sample data: enough for years of typical use. Need more room? Duplicate the file per year, or email support for an extended version.
Where the money went, and what is still to go out.
$2.99, once, 70% off until Nov 28. Yours forever, with free updates.
Get it on Etsy →Also in Personal Finance
