15 Excel Spreadsheet Templates for Managing Your Finances

Dan Price Updated 24-12-2018

What if you could easily and accurately visualize your financial health? Wouldn’t it be great if you knew where your money was always?


Thankfully, Vertex42 has a range of spreadsheets that make this possible. Here are 15 of the best financial spreadsheets they have to offer.

1. Family Budget Planner

family budget planner free spreadsheet

When you’ve got a mortgage, children, a car payment, and other expenses to keep track of, it’s hard to balance the budget and avoid overspending 5 Simple Ways to Set a Budget and Avoid Overspending Do you set a budget and adhere to it? These five simple methods will help anyone set a budget that they can live comfortably with. Read More . You need a level of financial awareness that perhaps even Paul Krugman doesn’t possess. Or, you could just fire up Excel.

This spreadsheet can give even You Need A Budget a run for its money. It allows you to create a yearly budget to project earnings and expenditures, whilst taking care of variable expenditures and changes in income.

2. Personal Monthly Budget Worksheet

personal budget planner free spreadsheet


If you don’t have a family and you’re eager to take control of your finances, why don’t you check out this personal monthly budget spreadsheet?

It lets you create a budget just for you Make a Personal Budget With Microsoft Excel in 4 Easy Steps Do you have so much debt that it will take decades to pay off? Make a budget and use these Excel tips to pay off your debt sooner. Read More , and then compare it against what you spend. There are fields for daily expenditures, as well as entertainment and discretionary spending. It’s easy to use too.

The spreadsheet only spans a single page and can be printed on one sheet of paper in portrait orientation.

3. College Budget Template

college budget planner free spreadsheet


Going to university is scary. You’re away from your parents, and everything they did for you—washing, cooking and cleaning—is now something you must deal with. Alone. You’ll also have to take care of your finances and avoid the allure of overdrafts and credit cards.

How do you do that? With this college budget spreadsheet, of course. This allows you to plan for the cost of studying over the course of months, semesters, and years. It will help you to keep your bank account in the black.

4. Christmas Gift / Holiday Spending Budget

christmas budget planner free spreadsheet

It’s the most wonderful time of the year, as the song goes. It’s also the most eye-wateringly expensive time of the year, as families push themselves further and further into debt to buy lavish presents.


It doesn’t have to be this way.

This spreadsheet allows you to set a total budget, allocate it on a person-by-person basis, and use that as a guide to for your gift-buying strategy.

5. Travel Budget Worksheet

travel budget free spreadsheet

If you love to travel, you need to be meticulous in planning your costs.


With this beautiful travel budget worksheet, it is easy. The spreadsheet lets you set a total budget, subtract accommodation and transportation, and then factor in discretionary spending.

6. Money Manager for Kids

kids money manager free spreadsheet

Many parents give their children an allowance. It’s a great way for them to learn about the inherent value of money, and to buy the things they want. It’s also a great way to teach them about budgeting and saving.

So, why not also allow them to visualize their progress with this money manager for kids? It’s a budgeting template but packaged to appeal and cater for young minds.

7. Income Statement Template

income statement free spreadsheet

An income statement is a document that declares how much you earned, and how much you spent. They’re used in businesses and households alike to give a picture of the financial health.

This spreadsheet is designed for the small business owner and allows you to thoroughly and meticulously take control of your business’s finances.

8. Savings Goal Tracker

saving goals free spreadsheet

Saving money is hard. Especially when you don’t have a solid goal, other than to “have savings”. And let’s face it, there are a lot of shiny things on sale, that can easily pry your money from your wallet.

How do you deal with this? By visualizing your goals and charting your progress towards them. And what better way to do that than with this spreadsheet?

For additional help with saving money and reducing spending 5 Free Sites and Apps to Save Money and Reduce Spending Are you spending more money than you have? These apps and sites will help you set a budget, reduce spendings, and save money. Read More , take a look at these helpful apps and sites:

9. Credit Repair Spreadsheet

credit repair free spreadsheet

Times are tough. Many people are struggling. And many people find themselves in a hole, missing credit card and car payments, and when they climb out, they find their credit is shot.

But something can be done. Repairing one’s credit is not only possible, but it’s also relatively painless. With this spreadsheet, you can work towards rehabilitating yourself in the eyes of the credit reporting agencies.

10. Extra Payment Mortgage Calculator

mortgage calculator free spreadsheet

Mortgages are a bit like house guests. The sooner you’re rid of them, the better. The best and quickest way to get rid of a mortgage is to make extra payments. So, why not check out this extra payment calculator, which can show you the benefits of reduced interest when you pay off your mortgage in extra chunks. Brilliant!

11. Credit Account Register Template

credit register free spreadsheet

Lots of people do all their spending on a credit card. If you pay off your balance in full each month, it’s actually a great strategy. You’ll see faster resolution times if someone steals money from your account, and you can rack up thousands of points that you can spend on free goodies like hotel rooms and flights.

To make sure you’ve got a firm grasp on how much money you’re spending on credit, use this credit account register template.

12. Wedding Budget Planner

wedding budget free spreadsheet

Weddings are seriously expensive affairs. Of course, they don’t have to be—you should spend the money on a house or invest it in your pension instead. But most people who are in love don’t want to listen to such sound advice.

If you’re planning for your big day and intend to spend a lot of cash to create the perfect event, you need a wedding budget planner.

13. Donation Tracker

donation tracker free spreadsheet

Are you planning to organize a fundraising event? One of the most important aspects of a successful campaign is keeping an eye on the amount of money that’s coming in.

This spreadsheet offers columns for the date, type of payment, donor, and notes.

14. Price Comparison Template

price comparison free spreadsheet

The key to getting a good bargain is to shop around. But with so many places vying for your business—both on the high street and online—it can be hard to remember all the prices you’ve seen.

That’s where a price comparison tracker comes in useful. Enter all the prices you see and make an informed decision on the store you’re going to use.

15. Money Tracker

money tracker free spreadsheet

We’ll leave you with a budgeting app The 4 Best Budgeting Apps to Get Your Finances in Order Looking for the best budget app to get your finances under control? Here are some great apps to help you manage your money. Read More that’s been specially designed for use on the smartphone version of Excel. Columns are narrow and less cluttered, so it’s much easier to update on a small screen while you’re on-the-go.

Each column also has a drop-down list. You can use it to easily add the date or select one of your most common payees.

Other Useful Excel Spreadsheet Templates

Financial templates aren’t the only way that Excel can help you keep your life in order. Check out the best tax templates for Microsoft Excel to learn more.

Of course, spreadsheets are a great way to stay on top of other areas of your life, too. How about using these useful spreadsheet templates to organize your life?

Need more help with money management? Check out how to analyse your spending with Google Drive 7 Money Management Tools in Google Drive You Should Start Using Keeping track of your finances on paper can get messy. Use these expense trackers and templates to manage your finances instead. Read More or take a look at a few personal finance websites 5 Sites to Learn Personal Finance Basics and Manage Your Money Saving money is a vital resolution for any stage of life. Learn basic personal finance management skills with these sites. Read More and some YouTube channels to help you manage your finances 5 Personal Finance YouTube Channels to Help You Manage Your Money Do you need to start managing your money better? Then these personal finance YouTube channels will help you get started. Read More . And be sure to stay on top of the financial market The 10 Best Finance Sites to Help You Stay on Top of the Market Looking for the best finance websites to keep you on top of the market? Here are the best sites for news, investing, and more. Read More with this list of helpful sites.

Related topics: Microsoft Excel, Money Management, Spreadsheet.

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  1. Abe
    June 5, 2020 at 12:52 am

    I love articles like this

  2. Yori
    September 15, 2016 at 11:29 am

    this is very helpful. I am looking for an excel [or other template] to manage a small portfolio of investments, mainly real estate, but others as well [cash, traded stocks, investment in funds, loans, etc.]. Can you recommend on something? thanks.

  3. Chris
    August 17, 2016 at 1:29 am

    Hello. I'm looking for Low Risk Money Management or Smart Money Management temples. If you have it. Thanks

  4. Nicole
    January 16, 2016 at 5:25 pm

    There is an automated Excel Template at that uses visual basic macros to simplify credit card downloads by auto-labeling your transactions into custom categories, removing previously posted items, reconciling your account balance, comparing your results to your budget and making it easy to track your personal net worth year over year.

  5. Carsten Juul
    January 8, 2015 at 6:55 pm

    I use my backup e-mail in this post