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 Monthly Budget gives you a clear picture of every euro, every week.

What’s inside this Monthly Budget template

• Zero-based budgeting layout — every euro assigned before the month begins
• Actual vs planned comparison — know immediately if you are on track
• Year-to-date totals — understand cumulative spending, not just this month
• Printable monthly summary — one click to a clean PDF for your records

How to use this Monthly 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 Monthly 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

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.