Financial stress rarely comes from not earning enough — it comes from not seeing where the money goes. This Budget puts every income source and expense in one place, so you always know exactly where you stand before the month ends.

What’s inside this 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 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 Budget?

The advantage of tracking your budget in Google Sheets is that the data is yours — no algorithm deciding what to show you, no app with its own agenda. Just your numbers, your categories, and your decisions.

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.