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6 Personal Finance Spreadsheet Templates for Managing Money Management

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These days, it is so easy to earn money and at the same time spend it. You may be tempted to overspend if you don’t keep track of your expenses.

If you want to maximize your income, pay your bills, and save or invest your hard-earned money, consider having a personal monthly budget spreadsheet for expense tracking.

Sitting and working on your budget is not everyone’s cup of tea. If you feel you need more motivation to keep track of your monthly expenses, a visually- appealing budgeting template can help.

Why use a monthly budget spreadsheet for personal budgeting?

The main reason why you have a personal and household budget is to be able to track how much you earn and the expenses you make every month. Using a personal monthly budget spreadsheet template can help streamline your monthly income to reach your financial goals.

With budget spreadsheet templates, you can conveniently plan your daily expenses such as groceries, rent, and transportation. Tracking your income and expenses using budget spreadsheet templates helps you save for important events such as weddings, family vacations, retirement, and more.

There are several personal finance spreadsheet templates for managing money that you can use conveniently; some spreadsheets allow you to connect with your bank account.

What are the benefits of using Excel budget spreadsheets?

A versatile spreadsheet program can be used for data storage, manipulation, and analysis across various industries. Using budget spreadsheets has several advantages. Some of the advantages are listed below:

  • Excel is a stand-alone program that you can privately use to manage your personal finances. It is safe and reliable since you don’t have to upload it to any website or app. You can keep your Excel file to yourself and not share it with others.
  • If you have your own personal computer, you can save your budget spreadsheet on your desktop for easy access. You can even access your Excel file online by uploading it to OneDrive. Uploading it to OneDrive is safe, and you can easily access your budget spreadsheet even on your mobile phone.
  • A budgeting spreadsheet helps you easily analyze and understand your earning and spending behavior.
  • Planning your finances with spreadsheets enables you to determine your financial status and helps you work your way to achieving your financial goals.
  • A personal budget template teaches you responsibility and discipline in managing your finances. You will need to constantly check your spending and your savings to see if they are on track.
  • Monitoring your income and expenses using a spreadsheet helps you reach long-term goals and develop better financial habits and behavior.

6 Best Budget Templates for personal money management

Maintaining a budgeting template for your finances needs a lot of discipline. Routinely updating your spreadsheet for your expenses can be burdensome for some people. Doing it for the first time can be a struggle but is worth it when you get used to it.

The trick to making budgeting a lot easier and more enjoyable is using visually engaging spreadsheet templates. You can check out the websites below for free budget templates.

Simple Sheets Spreadsheet Templates

Simple Sheets has the best budget spreadsheets for your finances that can calculate your total budget. They have developed more than 25 highly dynamic finance spreadsheets that can streamline budgeting for you.

The templates come with written and video instructions to help you navigate the spreadsheet. The templates also come with graphs and dashboards to display money metrics. Keeping track of your income and expenses is easy with Excel templates for finance from Simple Sheets.

Microsoft Excel Budget Spreadsheet Template

Budget spreadsheets of Microsoft Excel are customized to save you from the hassle of setting up your spreadsheet. All you need to do is to encode the data and let the spreadsheets encoded formulas do their work.

Microsoft Excel budget spreadsheet templates include household budget templates, event and holiday planning templates, and many more. There are different templates for your different financial needs.

Google Sheets Budget Spreadsheet Template

Google Sheets is a cloud-based file storage service that allows you to create and upload your spreadsheet. Google Sheets has pre-made templates for annual and monthly budget planning.

Since it is cloud-based, you can access your spreadsheet anytime and anywhere with Internet connectivity. You can open your spreadsheet on your computer, tablet, or mobile phone.

If it is a household budget, you can conveniently share the file with your partner so you can manage your finances. Google Sheets’ budget spreadsheets have a simple layout and design. But very useful when managing financial data.

Tiller Money

If you are looking for a budget spreadsheet template that can be integrated into your bank account, check out Tiller Money. With this type of spreadsheet, you get to see every transaction with your finances in real-time. You can customize and categorize your encoded data in a way that works for you.


Vertex42 has several free templates for personal finance spreadsheets that are compatible with Microsoft Excel, Google Sheets, OpenOffice, and many more. It has a money management template that is free to download, which you can use to track your spending habits, plan your budget, and balance your bank accounts.

They also have a spreadsheet to manage irregular incomes, handle multiple accounts, and track expenses such as car payments and credit card payments. Each spreadsheet template includes tutorial or demo videos on maximizing them.

Mint Lifestyle Templates

You can enjoy budgeting because of Mint’s free templates. Mint is a famous money manager application that also offers budgeting templates. Mint offers a college budget template that college students can use to help track their allowances and expenses. Parents can also use their daycare budget template to manage the expenses of raising a little child.


There are different ways to budget; the most effective way is to record your income and expenses using spreadsheets. Several templates are available, and choosing the best one for you will go through trial and error.

You don’t have to be a certified financial planner to manage your finances. All you need is a reliable and customizable spreadsheet and your commitment and discipline to manage your income and expenses wisely.

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