Free Budget Tracker Spreadsheet Template
Track income, expenses, and savings in one place. Line items, budgeted vs actual totals, and monthly net savings — free to use in your browser.
What is a budget tracker spreadsheet?
A budget tracker spreadsheet is a structured worksheet that captures every dollar coming in and going out of your household or business. Instead of a flat list of transactions, it organises spending into line items so you can compare budgeted amounts against actuals and see the difference by category. This free Griddy budget tracker template adds automatic totals and a net savings row — giving you a clear monthly view without manual math.
What's included in this template
The budget tracker template includes a line-item Income section for salary, freelance earnings, dividends, and other revenue streams. The Expenses section lists categories with budgeted, actual, and difference columns so you can spot overspend fast. Totals roll up automatically, and the Net Savings row shows what is left after expenses. All formulas use standard SUM and IF functions that work in Excel and Google Sheets, so you can open it in any spreadsheet tool you already use.
Who should use this budget tracker template?
This template is ideal for individuals and families who want to take control of personal finances without a subscription app. It works equally well for freelancers tracking business expenses, college students managing a first budget, small-business owners who need a simple cash-flow view, and anyone who has tried a budgeting app and found it too complicated. If you can type numbers into cells, you can use this template.
How to use the Griddy budget tracker
Click "Open in Griddy" to load the template in your browser — no download or install required. Fill in your income sources at the top, then enter each expense line with your budgeted and actual amounts. The totals update automatically. To edit, save, or download the spreadsheet, create a free Griddy account. You can also describe changes in plain English — for example, "add a row for health insurance under Expenses" — and Griddy's AI will update the template for you.
Tips for getting the most out of your budget
Update your budget at the same time each week — Sunday evenings work well for most people. Start by tracking every expense for a single month before setting targets; the numbers will surprise you. Use the difference column to identify categories where you consistently overspend. Once you have three months of data, use Griddy's AI to ask questions like "Which category grew the most this quarter?" or "How much extra would I save if I cut dining out by 30%?"
Skip the setup
This template is ready in your browser.
Click “Open in Griddy” to load the template instantly — no download required. Griddy's AI is already connected, so you can customise it in plain English.
Open in Griddy →
