Most people feel the pinch at the end of the month but can’t explain where the money went. According to the NFCC, 65% of people have no idea what they spent last month — and the fix is simpler than most think. A well-structured Savings Goal gives you a clear picture of every euro, every week.

What’s inside this Savings Goal template

• Weekly and monthly views side by side — spot patterns before they become problems
• Fixed vs variable expense split — understand which costs you can actually control
• Annual overview tab — see twelve months of spending in one scrollable chart
• Customisable categories — rename or add rows to match your exact spending habits

How to use this Savings Goal template

1. Click the button above to get instant access to your free template.
2. Go to File → Make a copy to save it to your Google Drive.
3. Enter your income sources in the Income tab — salary, freelance, side income, all of it.
4. Work through each expense category and enter your monthly costs.
5. Review the summary tab at the end of each month and adjust next month’s plan.

Why Google Sheets for Savings Goal?

Google Sheets is free, updates in real time, and works on every device you already own. Unlike banking apps that only show you what happened, this template lets you plan what will happen — giving you control before the month starts, not regret after it ends.

Frequently asked questions

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.

Can I share this budget template with my partner or accountant?

Yes. Use the Share button in Google Sheets to give them view or edit access. Changes appear for both people in real time — no file sending required.

What if I want to add my own categories?

You can add, remove, or rename any category row. The formulas update automatically when you make changes.