Monthly budget planner template
Plan the month before it starts, then fill in what you really spent. The planner shows the difference for every category, how your spending splits into needs, wants and savings, and a year-at-a-glance sheet.
Monthly budget planner
Download template (11 KB)The file contains only formulas and example numbers — no macros, no links, nothing that connects to the internet.
What's inside
- Income section with up to 5 sources
- 25 expense categories grouped into needs, wants and savings
- Planned, actual and difference columns with totals
- 50/30/20 check and a 12-month overview sheet
Prefer to calculate online? Use the Salary calculator.
How to use it
- Download the file with the button above and open it in Excel, Google Sheets (File → Import), LibreOffice or Numbers.
- Fill in the yellow cells — they hold your own numbers. The example values show the expected format.
- Everything else is worked out by formulas. Save a copy whenever you want to keep a snapshot.
Common questions
What is the 50/30/20 rule?
A simple guide: about 50% of take-home pay for needs, 30% for wants and 20% for savings and extra debt payments. The template shows your own split next to it.
Can I rename the categories?
Yes. Type over any category name; the totals keep working. Each category's group (need, want or saving) can also be changed.
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