7 Useful Excel Sheets to Instantly Improve Your Family’s Budget

Dann Albright 12-10-2015

If you want to keep your finances on the right track 15 Excel Spreadsheet Templates for Managing Your Finances Always keep track of your financial health. These free Excel spreadsheet templates are the tools you need to manage your money. Read More , you need a budget. 


The right budget will help make sure you’re saving enough Are You Saving Enough for Retirement? Find Out With These 9 Tools Saving for retirement is one of the most important things you can do - but how do you know if you've saved enough? Here's 9 tools to help you find out. Read More , give you an idea of how much you should be spending on different categories of items, and let you know how much you have left over at the end of the month for fun spending. 

It’s not always easy to set up a family budget, but these seven templates will give you the structure you need to get started.

Family Budget Planner from Vertex42

This single-sheet budget template is one of the most compact available, and focuses on giving you a good idea of how your finances progress over the course of a year.

The simple format makes it easy to work with, and the large number of categories makes it a breeze to categorize all of your spending 15 Cool Tools for Easy Expense Tracking and Budgeting Tracking your expenses and budgeting are two crucial parts of being financial healthy. These 15 apps make it easy to do both. Read More . There’s also a dedicated row near the top of the spreadsheet to keep track of your savings.



The graphs at the top of the page show you how your spending, savings, and earnings fluctuate throughout the year, and help you quickly view your current financial state and determine how best to make changes to improve it.

Personal Monthly Budget from My Money Shrugged

This budget focuses on the difference between your projected income and costs versus your actual income and costs, showing you exactly where you should make changes.

With a number of sections and a variety of categories within those sections, you’ll have places to put just about any kind of cost that you’ll have on a monthly basis, from electricity bills to life insurance to your credit card debt.



By completing this budget each month, you’ll get a better and better picture of your overall finances over time. You could even use Google Sheets’ ability to create graphs Become An Expert Data Analyst Overnight Using Google Spreadsheet Report Tools Did you know that one of the greatest tools of all to conduct data analysis is actually Google Spreadsheet? The reason for this isn’t only because it can do nearly everything you might want to... Read More to get a visual representation of your finances across several months.

Personal Budget Template from MyMoneyBlog

This budget comes pre-built with a sheet for each month, a master budget sheet where you can change your estimated expenses, and a yearly overview, so you could do all of your financial planning from this one spreadsheet.

After inputting your budgeted expenses and your actual earnings and expenditures, you’ll get a “planned vs. actual” cell for each category, showing you exactly what you need to work on.



Each month also contains space for a line-by-line breakdown of your expenses so you can see where your costs come from. The spreadsheet can look overwhelming when you first open it, but the amount of things that are automatically populated help keep everything easy to use.

Family Budget Planner from Spreadsheet123

With a huge range of options for inputting costs, you won’t have to worry about forgetting about something. There are sections for kid-related costs, financial obligations, legal fees, gifts and donations… even a section for pets! Similar to the spreadsheets above, you’ll input a master estimate of income, which will be automatically populated into your monthly pages.


This spreadsheet also includes a number of visual representations of your estimated and actual expenses, helping you better visualize what your budget looks like at any given time. There’s also a sheet at the end for helping you track your savings goals.


Super Starter Budget from Christian PF

If you’d like to be walked through the budget creation process, this spreadsheet is the one for you. By using a number of macros 7 Fun & Weird Things You Can Create With Microsoft Excel Imagine Excel was fun! Excel offers plenty of scope for projects that go beyond its intended use. The only limit is your imagination. Here are the most creative examples of how people are using Excel. Read More , the spreadsheet will give you prompts to explain how each field should be filled in. (Of course, with the recent spate of macro-based malware, you might not feel comfortable using this feature.)


The file also includes a pie-graph generator on the final sheet to give you a visual on how your budget is going. If you’re creating a budget for the first time, this template will help you along. Also, despite needing to add it to your cart and check out, it’s free.

Monthly Budget Spreadsheet from Words of Williams

Another spreadsheet that gives you a lot of assistance during setup, this sheet from Words of Williams actually comes with detailed instructions and a video to give you all the help you need to get up and running. With a fuel cost calculator, a savings sheet, and color-coded categories, this is one of the better free family budget spreadsheets available.


You’ll have to sign up for the Words of Williams newsletter to download this template, but once you’ve done that, you’ll get it for free and you can start keeping track of your family’s finances with ease.

Budget Spreadsheet from Gather Little by Little [No Longer Available]

While this spreadsheet is organized across a large number of tabs, making it a little unwieldy, it does have the advantage of being organized by pay period instead of by month, which could make it more convenient for the many people who get paid twice a month, instead of just once.


This spreadsheet could be especially useful for people who have an unstable income—freelancers, consultants, part-time workers, and others who have an idea of how much they’ll earn every two weeks, but don’t have a definite number. The format makes it a bit easier to make adjustments for income and expenses for these budgeters.

Get Budgeting

With these seven spreadsheets, you have plenty of options for finding tools that will help you get your family’s finances in order. Choose the one that appeals to you most, and start making a budget! Be sure to visit the best personal finance websites Simply Frugal: How To Learn Personal Finance The Easy Way Do you fret over bills and debt on a regular basis? Do you feel lost when others speak using financial lingo? Here's the good news: it's never too late to learn about money. Read More  to get inspired, too. You can even learn a lot from finance-focused subreddits The 12 Best Subreddits About Finance Want real-time news? Investment advice? Tax information? Here are the best subreddits dedicated to finance and money management. Read More !

What sort of spreadsheets do you use to keep track of your family’s finances? Share your favorite useful resources below!

Image Credit: Young Man Looking At Woman Inserting Coin In Piggybank by Andrey_Popov via Shutterstock

Related topics: Budget, Microsoft Excel, Personal Finance, Spreadsheet.

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  1. Anonymous
    October 12, 2015 at 4:10 pm

    I use PearBudget. It has a tab for inputting your budget categories (they suggest some but you can amend them) & then ean income and expense tab for each month. At the end there is an Analysis tab bringing it all together. No visuals, but it is simple, straight forward. There is a downloadable spreadsheet ( )and an online version (, which gives more possibilities.

    • Dann Albright
      October 20, 2015 at 11:08 pm

      That sounds really useful! I really like the Analysis tab—that's one of the things that drew my attention to a lot of the spreadsheets on this list. I'll definitely check it out.

      Thanks for the recommendation!

      • Anonymous
        October 21, 2015 at 4:50 am

        1 other thing: you can cutomise it too. The individual monthly tabs are not protected, so no problem to amend. The Analysis tab is protected, but it is easy to unprotect it, you don't need a password. But be careful on that sheet to change the structure within the cells laid out for you. It is possible, just take care. Adding things outside "their" cells is no problem.