Free Small Business Budget Template — Excel & Google Sheets
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.
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What is a small business budget spreadsheet?
A small business budget spreadsheet is a practical operating plan for the business, not just a list of expenses. It shows how revenue, direct costs, and overhead interact over time so owners can see whether the company is actually producing enough gross profit and EBITDA to support hiring, marketing, and growth. The useful version is the one you can review quickly every month without needing a full FP&A stack.
What's included
This template is structured like a lightweight P&L for the first half of the year. Revenue lines sit at the top, followed by COGS, gross profit, operating expenses, and a clear EBITDA strip. The bottom snapshot calls out gross margin, EBITDA margin, cash reserve, and planning notes so the sheet doubles as a management review page instead of just a ledger.
Who should use this template?
It works best for founders, owner-operators, finance leads at small teams, and agencies or service businesses that need a clean monthly planning view. It is also useful for bookkeepers and fractional finance operators who want a client-facing budget sheet that is easy to explain in one screen.
How to use it
Replace the sample revenue and expense lines with the way your business actually works, then review the totals monthly to see whether margin is holding as you grow. Keep direct costs separate from overhead so gross profit stays honest. Use the planning notes area for hiring assumptions, campaign ramps, or pricing changes. If you need help, ask Griddy's AI to model a scenario like raising marketing spend, adding a hire, or lowering gross margin by a few points.
Choose a version
Start with the template closest to your workflow
Start with an operating budget shaped around the revenue, staffing, and cost drivers your business reviews.
Use the expense tracker for vendor transactions and receipt review; use a business budget for planned-versus-actual operating decisions.
Related guides
Learn how teams actually use this template
How to Add a Trendline in Excel
Add a trendline in Excel to show direction, seasonality, and movement in sales, costs, forecasts, and operational data over time.
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.
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Open the working template in Griddy, then describe the columns, formulas, formatting, or summaries you want changed.
