Automated Monthly Budget Spreadsheet
If you would rather type numbers into a spreadsheet than fill out a paper planner, this is the same monthly budget with the maths already done.
Buy for $7 Instant download · secure checkout via Gumroad
What's inside
- Income, fixed costs, variable spending and savings on one sheet
- Totals and remaining balance update as you type
- Category breakdown so you can see where the money actually goes
- Month by month, reusable all year
Details
- Works in Microsoft Excel and Google Sheets
- Formulas already built in — no formula knowledge needed
- Instant digital download
Who it's for
For people who like budgeting but not arithmetic — and who would rather type than write. It is the same monthly structure as the printable planner with the totals calculated for you: change a number and the remaining balance, the category breakdown and the savings line update immediately. That instant feedback is the reason to choose the spreadsheet over paper: you can test a decision (what if the holiday costs three hundred more?) before making it, instead of discovering the answer at the end of the month.
How to use it
- Open it in Excel or make a copy in Google Sheets — do not edit the shared original, or your changes will not save.
- Enter income first, then fixed costs. The remaining balance at the top tells you what is genuinely free.
- Rename the categories to match how you actually spend. Generic categories are why most budget templates get abandoned.
- Enter spending as you go, not weekly. The formulas only help if the numbers are current.
- Duplicate the sheet for the next month rather than clearing it; the old months become the history that shows your real averages.
Questions
Does it work in Google Sheets as well as Excel?
Yes. The file opens in Excel, Numbers and LibreOffice, and imports into Google Sheets with the formulas intact. Use File → Make a copy in Google Sheets before editing so your version saves to your own drive.
Are the formulas locked?
No, nothing is protected or hidden. You can see and change every calculation, add rows and categories, or strip parts out — it is an ordinary spreadsheet, not a locked app.
How is it different from the printable budget planner?
Same structure, different medium. The spreadsheet does the maths and lets you test scenarios; paper makes you slow down and notice. People who overspend without registering it usually do better on paper; people who like to model choices do better here.
This is a digital product — nothing is shipped. Files are available to download immediately after checkout.