Managing a budget, while perhaps not the most exciting activity, can help you keep your finances organized and your debt from overwhelming you. It can also help you plan your financial future, from buying that great outfit next month to saving for a new car, to coming up with the down payment on your future home and beyond.
Budgeting doesn't have to be an arduous task, thanks to the power of budget spreadsheets. And thanks also to some industrious, finance-minded people out there, you can further simplify your budget management tasks with the help of handy and free Budget Planner Template with pre-built budget spreadsheets ready to go.
The following rounds up four of the best free budget spreadsheets available on the Internet. Choose from online spreadsheets or downloadable templates that can be used with Microsoft Excel, Google Sheets or Apache OpenOffice Calc. All can be edited to suit your budgeting needs.
HOW TO CHOOSE THE RIGHT EXCEL BUDGET TEMPLATE
A budget template can be as simple or complex as you need. Whether you are creating a budget for a project at work, your household expenses, an upcoming life event such as a wedding, or all of the above, it’s important to choose a budget template that fits your needs. Here are the different types of budget templates and when you should use each of them.
It's Your Money lists seven free budgeting spreadsheets, including a Cash Flow Budget Spreadsheet inspired by Dave Ramsey's budgeting methods. Need to keep a budget by the week? Try the Box Budget Spreadsheet, which breaks down each month into four weeks.
These spreadsheets work with Microsoft Excel 2000 or later with macros enabled, and some will work with OpenOffice Calc (free). It's Your Money offers an assortment of free or low-cost personal
For anyone headed to college, it’s important to prepare a college student budget as early as possible. Although the amount of money needed to attend college can be overwhelming, a college student budget template will help to determine how much money will be needed for expenses, where to save money and how to make it all work. In this college student budget template, you will find a sheet to include all income and expenses on a quarterly basis, and a second sheet to estimate monthly college expenses.
Best Personal Budget Planner: A nicely done and very comprehensive budget spreadsheet with embedded spending and budget summary graphs.
Simple Budget Planner: A more compact budgeting spreadsheet by Google that lets you budget expenses by percentage of annual and monthly income.
Yearly Budget Template: A detailed yearly and monthly budget tracking spreadsheet. This budget spreadsheet lets you project income and savings as well as keep a record of actual income and savings.
If you prefer using Google Drive spreadsheets, you can also find some of the Vertex42 budget spreadsheets mentioned above in the Google Drive templates.