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Free template · Excel and Google Sheets

Free monthly budget spreadsheet template for Excel

This free Excel template keeps your budget month by month: one row per income and per expense, and the workbook works out what you have left, your savings rate, where your money goes and a twelve-month history. Direct download, no sign-up; it opens in Excel and Google Sheets, and imports into Patrice as it is.

Updated · by Patrice

Download the budget template (.xlsx)Excel template · 3 tabs · 40 KB · no sign-up

What the template contains: three tabs

A macro-free Excel workbook for a single person or a couple: each row says who pays, and whether the expense comes back every month.

Budget

One row per income or expense, with the month, the section, the category, the amount, who pays and whether it is a fixed cost. Six hundred rows, four years at a dozen rows a month.

Summary

The chosen month at a glance: income, expenses, money left over, savings rate, share of fixed costs and a doughnut chart of your spending. Below, twelve months side by side and their chart.

Read me

The instructions on one page. Two months of made-up examples show how to fill it in: delete them before you start.

A look at the budget template, filled in with the examples

Monthly budget spreadsheet template, Summary tab: €1,510 left after spending, a 30.5% savings rate and a doughnut chart of expenses
The “Summary” tab: the chosen month, its savings rate and where the money goes.
Monthly budget spreadsheet template, Budget tab: one row per income or expense, with the month, category, amount and who pays
The “Budget” tab: one row per income or expense, every month.
Monthly budget spreadsheet template: income, expenses and savings rate month after month, with their chart
Twelve months side by side: income, expenses, money left over and savings rate.

Money left over and savings rate: what this budget measures

What is left after spending is what remains of the month once everything is paid: income minus expenses. Divided by income, it gives your savings rate, the figure that tells you whether your wealth can grow.

With the template's made-up examples, in October: €4,950 of income and €3,440 of expenses, leaving €1,510 and a savings rate of 30.5%.

The template offers 6 income categories and 12 expense categories: housing, utilities and energy, groceries, transport, insurance, subscriptions and phone, health, children, leisure and going out, holidays, taxes, gifts and miscellaneous. A category missing from the list can be typed by hand.

Keeping your budget in ten minutes a month

  1. 1

    In the first month, enter every income and every expense in the “Budget” tab, working from your statements.

  2. 2

    In the following months, copy last month's rows, change the month, then adjust the amounts that moved.

  3. 3

    Open the “Summary”: the latest month entered is shown; type another date in the gold cell to look at a different one.

  4. 4

    For Google Sheets: upload the file to Google Drive, then “Open with › Google Sheets”.

From the Excel template to Patrice, without typing it all again

This template imports into Patrice for free: Settings › Import & export › Import › Budget Import. Each imported month replaces the month already saved; you see what will be written before confirming. The file is read in your browser.

Patrice then links your budget to your net worth and your cash flow forecasts. The advanced budget (each partner's share, savings goals, AI analysis) is part of Premium; the template itself stays free and complete.

FAQ

Frequently asked questions

Yes. The download is direct, with no sign-up, no email address and nothing in return. The file is free to use: edit it, add categories, adapt it to your household. It is not financial advice; the indicators in the summary are reading aids, not targets.

Divide what is left after spending by your income for the month. In the template, the “Summary” does it for you: income and expenses for the chosen month are added up by two SUMIFS, then what is left is divided by income. With the examples, €1,510 left from €4,950 of income gives 30.5%.

On the income side: salaries, bonuses, rent received, benefits. On the spending side: housing, utilities and energy, groceries, transport, insurance, subscriptions, health, children, leisure, holidays, taxes, gifts and miscellaneous. A dozen stable categories beat fifty you end up no longer filling in.

The file is in the standard Excel format (.xlsx), with no macros or scripts and with ordinary formulas (SUMIFS, EDATE). In Google Sheets, upload it to Google Drive and open it with Google Sheets. LibreOffice and Numbers also read this format; if a drop-down list does not carry over, type the value by hand, as it appears in the list.

Yes, for free: Settings › Import & export › Import › Budget Import. Patrice recognises the Month, Section, Category, Amount, Paid by and Fixed columns, files each row as income or expense and shows you the months that will be written. An imported month replaces the month already saved in the app.

When the spreadsheet is no longer enough.

Explore Patrice with sample data, with no account and no card, then import your budget.

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