Spreadsheet123 offers a free download of their personal budget, as the picture to the right shows. You can download this budget template here. However, you could also modify it to meet whatever you need.

The first is projected budget, the second is actual, and the third is the difference between the two.īasically, you can use this spreadsheet to compare your actual to projected budget.

There are three columns that it uses to analyze your budget. The spreadsheet breaks down expenses into dozens of categories and subcategories, so it is pretty thorough in that respect. However, we did find one good family budget that might fit your needs.Ī picture of the analysis can be seen at the right. We visited their site and found that many of the spreadsheets are poor quality, have trouble downloading, or are still tied to external sheets that aren’t included in the download. They offer dozens of free budget spreadsheets that can be downloaded and saved to your desktop. A Household Budget Spreadsheet from Microsoft OfficeĪ great place to start is by turning to the Microsoft Office home budget templates. Once you have your spreadsheet software ready, go ahead and read on. You can also open any of these documents in Google Docs for free. Most people prefer Excel, but to save money, I use OpenOffice, which is not only a spreadsheet program that is almost identical to Excel, but it also includes a word processor and Powerpoint type program, and it’s completely free. That means that if you find the one that is closest to what you need, that you can change the rows, columns and calculations to make it exactly what you want.īefore you start, make sure you’ve picked out some spreadsheet software. If you like to just put in actual figures each month and compare them over time, then you should use one that covers an entire year.Īnd remember, all of these budgets can be freely modified by you. If you like to project and then compare to actual, then you should use one that accounts for that. The key to creating the right budget for yourself is finding the one that most closely matches your needs and your way of thinking. And one has calculations that break down necessary versus discretionary spending. One has very detailed expense categories. For example, one of them breaks out costs for each month. What we found is that each one has something unique about it. We took a look at dozens of free spreadsheets from other sites and then downloaded and tested them ourselves. If you’re looking to find a good spreadsheet to help with your budgeting, then you’ve come to the right place.

Best free home budget spreadsheet