Free Finance Spreadsheet Templates
Finance templates for business budgets, invoices, expenses, and operating plans.
Category
This collection covers the finance spreadsheets most teams and households actually use: small-business budget templates, monthly budget trackers, expense logs, invoice documents, and lightweight operating plans. Every template opens directly in your browser and is structured to be edited quickly instead of rebuilt from scratch.
How to choose
Choose a small-business budget template if you need revenue, direct costs, overhead, and margin in one view. Choose a budget tracker if you need planned vs actual personal spending, an expense tracker if you need transaction-level logging, and an invoice if you need client-ready billing.
67 templates in Finance
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Expense Tracker for Restaurants
Track restaurant food, beverage, smallwares, repairs, occupancy, and delivery costs with receipt and review queues.
Invoice Template for Restaurants
Prepare restaurant catering or wholesale invoices with service line items, quantities, rates, deposits, tax, and payment status.
Expense Tracker for Clinics
Organize clinic supplies, lab services, equipment, facilities, software, and administrative spending with receipt review.
Invoice Template for Clinics
Prepare clinic service line items, quantities, rates, adjustments, payment terms, and client-safe labels across three sheets.
Expense Tracker for Retail
Track retail rent, inventory costs, packaging, payroll support, marketing, utilities, and receipts in one free expense spreadsheet.
Invoice Template for Retail
Invoice retail wholesale orders, custom work, delivery, discounts, deposits, tax, fulfillment status, payments, and balances.
Expense Tracker for Hotels
Track hotel housekeeping, maintenance, food service, utilities, amenities, and operating expenses by department.
Small Business Budget for Hotels
Plan hotel room and event revenue against housekeeping, labor, maintenance, food service, utilities, and distribution costs.
Invoice Template for Hotels
Reconcile hotel room blocks, event space, food and beverage, service charges, deposits, folio review, tax, payments, and balances.
Expense Tracker for Construction
Separate construction materials, equipment, subcontractors, permits, safety, and change-order costs by job.
Invoice Template for Home Services
Invoice home service jobs, labor, materials, deposits, trip fees, and follow-up work with a free spreadsheet invoice template.
Expense Tracker for Salons
Organize salon product, retail inventory, supplies, laundry, marketing, and facility costs with receipt review.
Small Business Budget for Salons
Plan salon service and retail revenue against stylist support, product, laundry, marketing, software, and facility costs.
Invoice Template for Marketing Consultants
Bill strategy work, campaign planning, audits, retainers, content projects, and ad advisory fees with a free invoice spreadsheet.
Expense Tracker for Marketing Teams
Compare marketing budgets with actual spend and review status across paid media, creative, events, and software in three sheets.
Invoice Template for Therapists
Track privacy-safe therapy session codes, administrative billing states, packages, payments, and balances without clinical or insurance detail.
Invoice Template for Tutors
Bill tutoring sessions, packages, materials, travel, and make-up lessons with a free spreadsheet invoice template for tutors.
Expense Tracker for Consultants
Track consulting travel, research, contractors, software, client meals, and overhead by engagement with receipt review.
Small Business Budget for SaaS
Plan SaaS MRR, expansion, churn, hosting, product tools, payroll, acquisition, and operations with type-aware net totals.
Invoice Template for Accountants
Invoice accounting clients for bookkeeping, tax prep, advisory work, cleanup projects, and retainers with a free spreadsheet template.
Invoice Template for Bookkeepers
Prepare bookkeeping invoices for monthly close, cleanup, advisory, or recurring service work with quantities, rates, tax, and payment status.
Budget Tracker
Track income, expenses, and savings in one place. Line items, budgeted vs actual totals, and monthly net savings — free to use in your browser.
Expense Tracker
Log every expense, track receipts, and generate category summaries. Free template for personal or business use.
Expense Tracker for Small Business
Track small-business budget, actual spend, variance, and review status across a dashboard, expense log, and setup sheet.
Expense Tracker for Freelancers
Organize freelance software, equipment, contractor, travel, marketing, and home-office costs with receipt status and review flags.
Expense Report Template
Prepare an employee expense report with business context, policy checks, approvals, reimbursement status, and a review summary.
Expense Tracker for Contractors
Track contractor job materials, subcontractors, equipment, permits, mileage, and overhead by project with receipt review.
Expense Tracker for Real Estate Agents
Track real-estate property expenses with budget, actual, variance, review status, and receipt context in three sheets.
Expense Tracker for Nonprofits
Track nonprofit program, fundraising, administration, and grant-related spend with budget, actual, variance, and review fields.
Receipt Tracker Template
Log receipt IDs, merchants, categories, amounts, payment methods, document status, and follow-up actions in one review-ready workbook.
Invoice Template
Professional invoice template with automatic subtotal, tax, and total calculations. Customise with your logo and send in minutes.
Invoice Template for Freelancers
Track freelancer deposits, milestones, approved hours, expenses, tax, payments, and final balances without mixing private project notes into billing.
Invoice Template for Contractors
Build contractor invoices with quantity × rate line items, subtotal, tax, total, paid, and balance fields in Dashboard, Invoice Builder, and Client & Payment Setup.
Invoice Template for Consultants
Bill consulting milestones, workshops, advisory hours, accepted deliverables, reimbursable work, payments, and balances in one three-sheet workflow.
Invoice Template for Photographers
Invoice photography sessions, image packages, editing, prints, travel, usage licenses, deposits, and balances against the gallery-delivery stage.
Invoice Template for Designers
Invoice design concepts, revision rounds, production files, licensing, rush work, deposits, and balances alongside the agreed handoff stage.
Invoice Template for Coaches
Prepare coaching invoices for packages, sessions, retainers, discounts, quantities, rates, tax, and paid-to-date status.
Invoice Template for Cleaning Services
Invoice cleaning clients for visits, supplies, recurring service, add-ons, deposits, and tax with a free spreadsheet invoice template.
Invoice Template for Virtual Assistants
Prepare virtual-assistant service line items, quantities, rates, adjustments, payment terms, and client-safe labels across three sheets.
Invoice Template for Event Planners
Prepare event-planning invoices with milestone services, vendor pass-throughs, quantities, rates, deposits, tax, and payment status.
Invoice Template for Law Firms
Build law-firm invoices with quantity × rate line items, subtotal, tax, total, paid, and balance fields in Dashboard, Invoice Builder, and Client & Payment Setup.
Invoice Template for IT Consultants
Bill IT assessments, implementation blocks, support hours, licenses, approved changes, payments, and balances against a service-acceptance checkpoint.
Invoice Template for Real Estate Agents
Bill permitted real-estate marketing, coordination, referral, and administrative services by safe transaction code and milestone.
Invoice Template for Property Managers
Separate property-management fees, vendor coordination, repairs, inspections, owner-approved charges, payments, and balances by property code.
Invoice Template for Nonprofits
Allocate nonprofit program services, grant-supported work, events, reimbursements, approvals, payments, and balances to the correct funding code.
Small Business Budget
Plan revenue, direct costs, overhead, and EBITDA in one compact operating budget. Keep H1 totals, margin, and owner notes visible without building a giant finance model.
Small Business Budget for Startups
Model startup recurring and services revenue against payroll, cloud, product tools, acquisition, compliance, and operating spend for a monthly runway review.
Small Business Budget for Agencies
Plan agency retainers and project revenue against delivery labor, contractors, software, acquisition, and operating costs with margin-aware variance review.
Freelancer Budget & Cash Plan
Plan irregular client income, business expenses, tax reserves, owner pay, and cash buffer in one free freelancer budget spreadsheet.
Budget Tracker for Households
Plan household income, essential bills, flexible spending, and savings with planned-versus-actual totals and documented assumptions.
Budget Tracker for College Students
Plan semester income, tuition, housing, food, books, transportation, and emergency savings with planned-versus-actual totals.
Budget Tracker for Teachers
Organize classroom supplies, reimbursements, grants, and out-of-pocket spending with planned, actual, and variance totals in three sheets.
Monthly Family Budget Template
Plan monthly family income, bills, flexible spending, and sinking funds with planned-versus-actual totals in three sheets.
Budget Tracker for Couples
Compare shared bills, personal spending, and contribution targets with planned, actual, and variance totals in three sheets.
Restaurant Operating Budget & Dashboard
Plan sales, food and beverage costs, staffing, labor, delivery fees, prime cost, and operating margin in a free restaurant budget spreadsheet.
Small Business Budget for Retail
Plan retail sales, inventory, labor, occupancy, and operating costs with type-aware planned-versus-actual totals in three sheets.
Small Business Budget for Ecommerce
Compare ecommerce product and shipping revenue against inventory, fulfillment, advertising, returns, software, and fees.
Small Business Budget for Nonprofits
Plan nonprofit contributions, grants, programs, fundraising, administration, technology, and restricted-use review.
Small Business Budget for Education
Plan education-program income, materials, staff support, and operating costs with type-aware planned-versus-actual totals in three sheets.
Small Business Budget for Consultants
Compare consulting revenue, delivery costs, software, travel, and overhead against a documented operating plan.
Small Business Budget for Contractors
Compare contractor project revenue, materials, subcontractors, equipment, permits, and overhead against a monthly operating plan.
Small Business Budget for Service Businesses
Plan recurring and callout service revenue against field labor, vehicles, supplies, dispatch, acquisition, and operating overhead.
Small Business Budget for Healthcare
Plan healthcare visit and expected reimbursement revenue against staffing, supplies, compliance, facilities, technology, and overhead.
Small Business Budget for Construction
Plan construction billings and approved change orders against trades, materials, equipment, permits, insurance, and operating overhead.
Small Business Budget for Real Estate Agents
Plan real-estate commissions, referral fees, listing marketing, travel, software, dues, and operating costs against closed business.
Small Business Budget for Property Managers
Plan management and leasing fees against maintenance, contractors, vacancy reserve, software, insurance, and owner distributions.
Invoice Template for Agencies
Bill agency retainers, projects, media pass-throughs, approved scope changes, tax, payments, and balances with a visible client-approval checkpoint.
Learn the workflows
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Create an Excel macro to automate repeated formatting, cleanup, reporting, and data-entry steps without rebuilding the workflow by hand.
Read guideExcelHow to Create a Waterfall Chart in Excel
Create a waterfall chart in Excel to show how revenue, costs, adjustments, and changes move from a starting value to an ending total.
Read guideExcelHow to Use Sparklines in Excel
Use Excel sparklines to show compact trends inside rows for budgets, sales, staffing, projects, and operating review sheets.
Read guideExcelExcel Inventory Management
Set up Excel inventory management with item lists, stock counts, reorder points, vendors, costs, and simple review formulas.
Read guideStart faster
Pick a workbook, open it in Griddy, then ask for the edits you would usually do by hand.
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