5 Free and Customizable Finance Templates to Set a Budget and Save Money

5 Free and Customizable Finance Templates to Set a Budget and Save Money

If you wish to lower your expenses or repay money owed, the principle factor it’s essential to do is make a finances and observe your bills. And you do not even want an app for it, given the variety of wonderful and free templates out there on-line.

There are some wonderful budgeting apps to get your funds so as. However there’s a privateness and safety concern about giving your monetary knowledge to apps. Plus, a spreadsheet enables you to customise it as you need, which an app by no means would.

1. Funds For Life (Google Sheets): Highly effective Expense Tracker and Cellular Pleasant

Budget For Life is a powerful personal finance manager in Google Sheets that automates your budgeting easily

Funds For Life (BFL) has made it their mission to ship a robust finances supervisor and expense tracker in Google Sheets that looks like utilizing a private finance app like YNAB or Mint. It is fully free and straightforward to arrange and presents a number of shocking options.

Comply with the directions on the web site to put in the add-on in Google Sheets, and arrange a finances based mostly in your incomes and bills. After that, it is merely a matter of monitoring any cash coming in or going out within the log, the place you additionally add a date, description, and class to the transaction. BFL will replace the principle dashboard and different charts to get a fast have a look at your cash state of affairs.

Within the Management Panel sheet, you may discover the mobile-friendly BFL Google Type, which you’ll bookmark in your cellphone or laptop to shortly add any transaction with out opening the total sheet. It is a good innovation that makes this top-of-the-line finances and finance sheets we have seen in a very long time.


The Management Panel sheet in BFL contains numerous different such cool options that almost all finances sheets do not have. For instance, you’ll be able to design a plan to see your future monetary projections, set month-to-month financial savings objectives, and add a notepad to jot ideas in your finances sheet.

2. PearBudget (MS Excel): Easy, Month-by-Month Annual Funds Spreadsheet Template

Popular paid personal finance app PearBudget started as a spreadsheet, and it's still available for free

PearBudget is without doubt one of the greatest finances calculator apps on the web, nevertheless it prices $8.99 a month. Many do not know that the app began as a preferred spreadsheet on the web, and you’ll nonetheless obtain the unique template free of charge.

Because the sheet notes, it takes about 20 minutes to arrange your funds the primary time you employ it. After that, it will solely take 10 minutes every month to repair your finances. PearBudget guides even full novices by way of every step, displaying find out how to divide your bills between common, irregular, and variable spending.

Every month has its personal sheet within the Excel file, full with a abstract evaluation, earnings vs. expense overview, and the way variable bills affected your finances. There is a extra in-depth Evaluation sheet for a fast overview of all months and the way you spent your cash.

3. Finance Tracker (Notion): Easy Ongoing Cash Tracker

The Finance Tracker in Notion is a great looking template that divides your money into easily manageable sections

Google Sheets and Microsoft Excel aren’t the one instruments you should utilize to create a customizable monetary planner. Notion is great for productiveness, and it has top-of-the-line free finance trackers we have seen.

The tracker appears to be like virtually like an expert app, and you will not really feel such as you’re in Notion on the outset. It tracks three parts: accounts (the place your cash is), finances (set quantities for spending classes), transactions (all incomes and bills).

It is fairly easy to make use of and function, because the sheet auto-updates based mostly on any transaction you add. You may see a dashboard of your present funds, resembling your budgets showing in a neat progress bar. There aren’t any month-to-month or annual breakdowns; it is all about realizing and analyzing your monetary state of affairs on an ongoing foundation.

To customise the sheet or speak to the developer, you’ll be able to ask a query on this Reddit publish.

4. Monshare (Google Sheets): Funds and Expense Tracker for {Couples}

Monshare's free spreadsheet for couples is a great way for partners to split finances in a household and set a budget

Monshare is a wonderful app for {couples} to trace funds, cut up payments, and set budgets. However earlier than it was made, its maker Olga used to depend on a easy spreadsheet for all this. And in a pleasant gesture, she has shared that on-line for any couple to make use of free of charge.

The sheet lets a pair add their incomes and observe their bills for shared family funds. With areas for who paid what and what every individual’s fair proportion is, you can set an equitable partnership.

Earlier than you employ the sheet, it will be clever to learn Olga’s weblog publish on utilizing it greatest. It has some good insights into how {couples} want to trace bills and what can go improper within the course of.

5. Funds Sheets (Google Sheets): Auto-Add Date to Incomes and Bills

Budget Sheets makes expense tracking easier by automatically adding dates

One vexing concern with all budgeting spreadsheets is including dates to your earnings and bills and matching them to the month. Funds Sheets solves this with an automatic add-on for Google Sheets.

As soon as you put in the add-on, you may have to activate it based mostly on the values you select within the sheet. If it is too complicated for you, you should utilize their default spreadsheet, make a duplicate, and use the default values for the add-on.

Each time you add an entry in Expenditures or Incomes, the Funds Sheets add-on will robotically add at this time’s date for it. The date then robotically matches the month’s tally (based mostly on the add-on). Basically, you solely have so as to add any expense or earnings of the day, and Funds Sheets will preserve the remainder of your finances monitoring.

With out Auto-Updates, Self-discipline Is Key

Though spreadsheets have a number of advantages, it is difficult to get them to robotically fetch transaction knowledge out of your financial institution or bank card accounts. And with out that auto-update, it is your job to maintain monitoring each transaction.

The nice half is that you just management your knowledge and privateness this fashion. However you may want the self-discipline to maintain monitoring transactions, or it simply will not work out.

5 Budgeting Instruments to Handle Your Funds and Save Cash

Do not feel like counting pennies and monitoring your cash? These finances instruments and strategies take away the hassle and make it simple to handle your cash.

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