Free Finance Spreadsheet Templates
Finance templates for business budgets, invoices, expenses, and operating plans.
What's in this 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.
42 templates in Finance
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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 expenses by vendor, category, payment method, receipt status, and month in one free spreadsheet for Excel and Google Sheets.
Expense Tracker for Freelancers
Track freelance business expenses, receipts, software, client costs, mileage, and tax categories in one free spreadsheet template.
Expense Report Template
Submit expenses for approval or reimbursement with dates, vendors, categories, business purpose, receipt status, and approved totals.
Expense Tracker for Contractors
Track contractor expenses, materials, mileage, job costs, receipts, and reimbursable purchases in one free spreadsheet template.
Expense Tracker for Real Estate Agents
Track real estate expenses, mileage, staging, marketing, client gifts, open houses, receipts, and reimbursable costs in one spreadsheet.
Receipt Tracker Template
Track receipts, proof of purchase, missing documentation, owners, amounts, and follow-up status in one free spreadsheet template.
Invoice Template
Professional invoice template with automatic subtotal, tax, and total calculations. Customise with your logo and send in minutes.
Invoice Template for Freelancers
Invoice freelance clients with line items for hourly work, project fees, deposits, tax, and payment terms. Free spreadsheet template for faster billing.
Invoice Template for Contractors
Send contractor invoices with labor, materials, project references, progress billing, and total due in one spreadsheet. Free Excel and Sheets template.
Invoice Template for Consultants
Bill consulting clients with clear project scopes, retainers, workshop fees, and payment terms in one polished spreadsheet invoice template.
Invoice Template for Photographers
Invoice photography clients for shoots, editing, deposits, usage rights, and final balances with a free spreadsheet template built for creative work.
Invoice Template for Designers
Invoice design clients for concepts, revisions, retainers, deposits, licensing, and final deliverables with a free spreadsheet invoice template.
Invoice Template for Coaches
Invoice coaching clients for sessions, packages, retainers, workshops, deposits, and payment plans with a free spreadsheet invoice template.
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
Invoice VA clients for hourly support, retainers, admin tasks, project work, reimbursable costs, and payment terms in one spreadsheet.
Invoice Template for Event Planners
Invoice event clients for planning fees, deposits, coordination, vendor management, travel, and pass-through costs in one spreadsheet.
Invoice Template for Law Firms
Invoice legal clients for hourly work, flat fees, retainers, matter references, expenses, and payment terms in a clean spreadsheet format.
Invoice Template for IT Consultants
Invoice IT clients for implementation work, support blocks, retainers, hardware pass-through costs, and project milestones.
Invoice Template for Real Estate Agents
Invoice real estate clients for commissions, referrals, consulting, staging reimbursements, and transaction fees in one spreadsheet.
Invoice Template for Property Managers
Invoice property owners for management fees, leasing fees, maintenance coordination, reimbursements, and service charges.
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
Plan startup revenue, burn, headcount, tools, and runway with a free operating budget spreadsheet built for early-stage teams.
Small Business Budget for Agencies
Plan agency retainers, project revenue, payroll, contractors, software, and gross margin in one free operating budget spreadsheet built for service teams.
Budget Tracker for Freelancers
Track irregular income, taxes, software costs, savings goals, and owner pay in one freelancer budget spreadsheet. Free template for Excel and Google Sheets.
Budget Tracker for Households
Track household income, fixed bills, flexible spending, savings, and monthly rollups in one free household budget spreadsheet for Excel and Google Sheets.
Budget Tracker for College Students
Track student income, rent, groceries, books, subscriptions, and semester spending with a free budget spreadsheet for college life.
Monthly Family Budget Template
Plan household income, bills, childcare, groceries, debt, and savings with a free monthly family budget spreadsheet for Excel and Google Sheets.
Budget Tracker for Couples
Plan shared income, bills, savings goals, debt payments, and personal spending with a free couples budget spreadsheet template.
Small Business Budget for Restaurants
Plan restaurant sales, food costs, labor, rent, supplies, delivery fees, and operating margin in one free budget spreadsheet template.
Small Business Budget for Retail
Plan retail revenue, inventory costs, payroll, rent, marketing, software, and operating margin with a free budget spreadsheet template.
Small Business Budget for Ecommerce
Plan ecommerce revenue, inventory buys, shipping, fulfillment, returns, ad spend, and operating margin in one budget spreadsheet.
Small Business Budget for Nonprofits
Plan nonprofit revenue, grants, donations, program costs, admin expenses, fundraising spend, and reserves in one spreadsheet.
Small Business Budget for Consultants
Plan consulting retainers, project revenue, subcontractors, software, travel, marketing, and operating margin in one budget spreadsheet.
Small Business Budget for Contractors
Plan contractor job revenue, materials, labor, equipment, insurance, permits, overhead, and margin in one budget spreadsheet.
Small Business Budget for Service Businesses
Plan service revenue, payroll, contractors, scheduling costs, supplies, software, marketing, and operating margin in one budget spreadsheet.
Small Business Budget for Healthcare
Plan healthcare practice revenue, payroll, supplies, insurance, billing costs, rent, equipment, and margin in one budget spreadsheet.
Small Business Budget for Construction
Plan construction revenue, materials, subcontractors, labor, equipment, insurance, permits, overhead, and operating margin in one budget spreadsheet.
Small Business Budget for Real Estate Agents
Plan real estate commission income, lead generation, marketing, dues, software, mileage, listing costs, and operating margin.
Small Business Budget for Property Managers
Plan property management fees, leasing revenue, maintenance coordination costs, payroll, software, travel, and operating margin.
Invoice Template for Agencies
Invoice agency clients for retainers, projects, media fees, and scoped deliverables with a free spreadsheet invoice template built for service teams.
Learn the workflows
Guides that pair with these templates
How to Create a Budget in Excel
Create an Excel budget with income, expense categories, planned vs actual columns, variance formulas, and a review-ready monthly summary.
Read guide →ExcelHow to Use AVERAGEIF in Excel
AVERAGEIF calculates the average of cells that meet one condition. Learn the syntax, practical budget examples, and when to use AVERAGEIFS instead.
Read guide →ExcelHow to Use MAXIFS and MINIFS in Excel
Use MAXIFS and MINIFS to find the largest or smallest value that meets one or more conditions in Excel, with finance examples and common fixes.
Read guide →ExcelHow to Use TEXT Function in Excel
Use Excel's TEXT function to format dates, numbers, percentages, and currency inside formulas without changing the underlying cell value.
Read guide →Why these pages exist
These category hubs give users and search engines a cleaner map of the template library. They group related spreadsheet workflows together so you can move from a broad need like finance or project management into a specific template without relying on client-side filters alone.
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