Free · no sign-up · saved only if you press Save
Simple Budget Template
A free monthly budget sheet with rows for common household costs, or a quick three-number calculator. No account.
Monthly budget sheet
Pre-written rows for the most common household costs, plus rows of your own. Type what you plan to spend and what you actually spent, and the sheet works out the difference and the totals as you type.
Monthly Budget budgettemplate.app
| Expenses | Budget | Actual | Difference | Delete |
|---|---|---|---|---|
| Total expenses | $0 | $0 | ||
| Income minus expenses | $0 | $0 |
Debts from last month
| Debt | Amount | |
|---|---|---|
| Total debts | $0 |
Listed for reference only. Debts are not added to your expenses unless you also enter a payment in a row above.
Quick calculator
Only want one number? Type income, fixed and variable spending to see what is left.
Result
Left this month
$0
Type your income and spending. The result and the arithmetic appear here.
50/30/20 rule of thumb
| Group | Target | You entered | Difference |
|---|
Your fixed expenses are counted as needs, your variable expenses as wants. That is our simple matching, not a rule. A rule of thumb is a starting point, not advice.
Saving is optional. Pressing Save stores your four amounts in this browser on this device only, and nothing is saved until you press it. Clearing your browser data or using a private window removes it. It is not encrypted, so do not save on a shared computer. Nothing is sent to us.
How the monthly budget sheet works
- Write the month and your income. Use Other income / savings for side income, refunds or savings you plan to use.
- In each row, type what you plan to spend (Budget) and, as the month goes, what you actually spent (Actual). Rename any row, delete the ones you do not need, and use “Add a row” for your own.
- The Difference column is budget minus actual. “Under” means you spent less than planned, and “over” means you spent more. The totals add up as you type.
Difference = budget − actual · Income minus expenses = income − total expenses
The rows are common household costs grouped as housing, utilities, food, transportation, health, debt payments, personal, savings and other. They are only starting labels, not recommended amounts. Debts from last month are listed on their own and are not added to your expenses unless you also enter a payment in a row.
How the quick calculator works
Type three numbers: what you take home each month, what you spend on fixed costs, and what you spend on everything that changes. The tool subtracts them and shows what is left, with the sum written out so you can check it.
Left this month = income − fixed expenses − variable expenses − savings (if you enter any)
Example with made-up numbers: $4,000 − $1,800 − $900 = $1,300. If spending is higher than income, the tool shows “Over by” and the amount. It only does the arithmetic; it does not tell you what to do.
Fixed and variable expenses
- Fixed expenses are about the same every month: rent or mortgage, loan payments, insurance, internet, phone.
- Variable expenses change: groceries, fuel, eating out, clothes, fun. If you are unsure, use last month’s bank statement as a guide.
Keep it, print it, or open it in a spreadsheet
- Save in this browser keeps your sheet (or, for the quick calculator, its four amounts) on this device, only when you press the button. The Delete buttons remove it again.
- Download CSV gives you a file that opens in Excel, Numbers or Google Sheets. Copy for Google Sheets copies the table so you can paste it into a sheet.
- Print / save as PDF opens your browser’s print window; choose “Save as PDF” there to keep a PDF. See the printable budget template.
Your numbers stay in this browser. Nothing is sent to us.
Want to split your pay into needs, wants and savings? Try the 50/30/20 budget calculator. Paid by the paycheck? Use the paycheck budget template.
This site does not give financial, tax or legal advice. It does simple arithmetic on the numbers you type.
Frequently asked questions
What is on the monthly budget sheet?
A month and income field, an expenses table with ready-made rows for common household costs (housing, utilities, food, transportation, health, debt payments, personal, savings and other), Budget, Actual and Difference columns, total expenses, a table for debts from last month, a notes box and rows of your own.
How is the difference worked out?
Difference is budget minus actual. If you planned $200 and spent $180, the row says $20 under. If you spent $230, it says $30 over. The sheet adds up all rows for you, using whole cents so totals are exact.
Can I rename rows, delete them or add my own?
Yes. Every row name can be edited, the × button deletes a row, and “Add a row” under each group adds one more. The last group, “Your own rows,” starts with five empty rows.
How do I make a simple budget?
Write down what you take home in a month, then your fixed costs (rent, bills, loans) and your variable costs (food, fuel, fun). Subtract both from income. What is left is what you have not planned to spend. This page does that sum for you and shows it.
Is there a budget template with no sign-up?
Yes, this one. There is no account and no email. You type numbers and see the result. You can download a CSV file or print the page without giving us anything.
Where is my budget saved?
Nowhere, unless you press “Save in this browser.” Then the four amounts are stored in your browser’s local storage on this device only. They are not sent to a server, and we cannot see them.
What happens if I clear my browser data?
The saved budget is removed with it. A private or incognito window also removes it when the window closes. If you want a copy that lasts, download the CSV or save a PDF from the print window.
Can I open it in Excel or Google Sheets?
Yes. Download the CSV and open it in either program, or press “Copy for Google Sheets” and paste into a sheet. This version does not make .xlsx files.
What is the 50/30/20 rule?
A rule of thumb that suggests about 50% of take-home pay for needs, 30% for wants and 20% for savings goals. See the 50/30/20 budget calculator for the source and a worked example.
Is this financial advice?
No. It is a calculator that adds and subtracts the numbers you enter. Your situation may differ, so for advice about your own money talk to a qualified professional.
Last updated: October 11, 2026