Personal Budget Excel Spreadsheet (Free Template)

What’s inside this Smart Money Management Template

GlimMarket’s Smart Money Management Template is a free personal budget spreadsheet you can use to plan monthly bills, track real spending, and stay consistent with savings goals. It’s built for clarity — the categories are organized, the totals calculate automatically, and you can see the “big picture” without digging through dozens of charts.

Why a personal budget Excel template still works

Budgeting apps can be helpful, but spreadsheets are still one of the most transparent options. You can see the math, adjust categories, and keep your budget portable across devices. This personal budget Excel spreadsheet also works well in Google Sheets, so you can access it anywhere.

Features you’ll actually use

• Income tracking: log paychecks and additional income sources.
• Expense categories: housing, food, transportation, debt, savings, and lifestyle.
• Automatic totals: built-in formulas that update as you enter numbers.
• Monthly overview: spot overspending quickly and redirect money intentionally.
• Flexible structure: rename categories and add rows without breaking the flow.

How to use it (fast)

1. Enter your monthly take-home income.
2. Add your fixed bills first (housing, utilities, debt payments).
3. Estimate variable spending (groceries, personal, transport).
4. Set a realistic savings goal, then adjust categories until it fits.
5. Track your actual spending weekly so the budget stays “real.”

If you want a complementary guide, start with How to Create a Realistic Budget, then come back here and plug your numbers into the template.