The difference between people who hit their savings goals and those who don’t usually isn’t income — it’s a system. This free Personal Budget is the system: structured, automatic, and ready the moment you open it in Google Sheets.

What’s inside this Personal Budget template

• Income and expense tracking by category — see exactly where every euro goes
• Monthly summary with automatic totals — no manual calculations ever
• Savings goal tracker — set a target and watch the progress update automatically
• Colour-coded overspend alerts — categories that exceed budget are highlighted instantly

How to use this Personal Budget template

1. Click above to open the template in Google Sheets.
2. Make a copy via File → Make a copy — it is now yours to edit.
3. Set your monthly income target in the header row.
4. Enter your fixed costs first — rent, subscriptions, insurance — then variable spending.
5. Use the monthly comparison tab to track whether spending is improving over time.

Why Google Sheets for Personal Budget?

Most budgeting apps charge a subscription to do what a well-built Google Sheet does for free. This template works offline, syncs automatically to your phone, and can be shared with a partner or accountant in one click.

Frequently asked questions

Is this budget template really free?

Yes — completely free. Click the button above, enter your email, and the template link is sent to you instantly. Make a copy in Google Drive and it is yours with no cost ever.

Can I use this for both personal and business budgeting?

Yes. The template works for personal household budgets, freelance income tracking, and small business financial planning. The category names are customisable so you can match them to your exact situation.

Does this work on mobile?

Yes. Google Sheets works on iOS and Android. The template is readable and editable on a phone, though the full monthly overview is easier to work with on a larger screen.