Excel Budget Template | Budget Spreadsheet Template | Personal Finance

Take the stress out of managing your money! This budget template is one of a kind. Most budgets make you do ALL the work and then only tell you where your money went. This budget template actually forecasts your finances as far out as 3 years. Just plug in your paychecks and fixed expenses once and watch it go to work! From there just make small adjustments as you go and add any other expenses that aren’t fixed. You’ll have answers to questions like “Will I have enough to pay my bills 3 months from now if I take this vacation now?” Up until now, all my videos have been tutorials on creating your own budget template. This is my first video that allows you to download the budget template for Microsoft Excel!

Budget Smarter Template (Microsoft Excel Version):

Key Features:
➤Clear instructions
➤instant download
➤Customizable expenses/income sources
➤No prior spreadsheet knowledge needed
➤Easy to use & Quick Setup
➤Automated tabs
➤Eliminate money stress
➤Make adjustments to spending or savings now based on what you see in the future!
➤Add variable expenses
➤Plan for expenses later on (i.e. plan for a holiday budget) ➤No expensive software required (Microsoft Excel)

Need a Google Sheets Version?

Disclaimer:
➡️ I am not a financial advisor. This budget is meant to forecast - which is never exact. I’m not responsible for any bad financial decisions!

[scotwelker]

I have been tracking my expenses for about two years in Excel using an earlier budget template you offered. Let me tell you, this is a terrific revision. I like the forecasting tool (Budget Smarter) and will begin using this at the beginning of 2023. Well worth the minimal investment and I appreciate the time and energy you put into developing this one. I know I will come to appreciate the Dashboard feature as the year rolls along. Very helpful!

[johnfrancis]

Love your work, I was wondering if you can make a video on how to plug in multiple credit card balance tracking into this or the previous budget template you’ve created. this would be a life changer for me, thanks !

[rolanddensonjr]

This is easiest and most flexible personal budget spreadsheet that I have seen in years. Thank you! Exactly what I was looking for.

[ramonl.sanchez]

Outstanding work!, I just purchased this template after using the previous Budget version for some time. Not only did it drastically helped me take control of my budget and opened the door for investments but it also taught me a few extra things about Excel in the process (huge plus!). Can't thank you enough for the content, your valued time, mind, and help to those in need. The new Budget Smart spreadsheet is amazing! I can now breath better by having a projected view 2 yrs ahead and adjust if necessary with plenty of time before problems may arise. I was actually budgeting way too high which is not bad, but this helped me trim it down to a more comfortable, sustained value. Once again a million Thanks, great work!

[scotwelker]

Hey, been using this awesome spreadsheet all month and love it. One issue I'm having is when I add a fixed expense to the Setup tab. Is there a finite amount of rows you can add to the fixed expense section? I am adding a monthly expenses to begin next month (10/1/22). I add it to the table on the Setup tab, press the Add Expenses button. The macro kicks off but the new entry doesn't show in either the Fixed Transactions tab or the Budget Smarter tab when I update the Budget Smarter process as well. What am I missing? All the other Fixed Expense amounts are working and showing up except for this one. Thanks.

[nicholekelly]

Can you show us how to add more expenses to the setup page? I have more expenses then there is fields to input them. So just need to learn how to be able to add more fields on the setup page and how to correctly change the formulas to include those extra expenses.

Love the spread nonetheless and this was totally what I was looking for.

[robertgiuliani]

I watched your video again. You mention not to go out beyond 3 years. Just curious as to why and how do we use it it beyond 3 years. Do we start over?

[tonydataiga]

I've been spending $5/month for years for an app that does this same thing! Never found a good alternative until now. Thank you!

[syflorence]

I'm just finding you and this is EXACTLY what I've been looking for

[corkran]

I just got your budget template today and I have to say it's pretty great! One thing that I would like to add is a line graph for the running balance in the budget smarter tab. Can you explain how this can be done?

[martinyeager]

Thank you. I like the future forecasting updating with actuals. I plan to use this as a supplement to YNAB. I will load my summarized actual income and expenses at the category level rather than the full detail. I have used Excel for years and trust this spreadsheet and work process. I like YNAB being online and on my phone and for me the $100/yr subscription is a fair price for that connectivity. Thank you,

[donarbuckle]

Love the sheet. Lots of hard work that I totally appreciate since I don't have to do it myself. Does all the things I need, however, I have a few more Fixed Expenses than space allows on the set-up sheet. How can I add those fixed expenses (they are monthly) to the spreadsheet/workbook?

[asusi]

How do I add more Fixed Expense on the Set up page?

[bogatyrs]

I just found your spreadsheets, and they are great. I do have one problem! How do I deal with Credit Card purchases? I could just do one entry, but then I can't track the expense details. I never carry a balance; it is paid off each month. I could wait for the bill to come in, enter the details line by line, and record the payment as one transaction. I don't know how this would work. I'd love to hear any suggestions or fixes.
Thanks,
Mike

[hgcspim]

Hi, I am using your budget template for my budget and I ran out of space in the fixed expense space in the setup page. Is there a way I can add more rows in the fixed expense box without messing up the set up?

[nicolenoland]

I have been using your spreadsheet for over a year and it has helped my family save so much! Thank you! I am updating my spreadsheet and was wondering if there is a way to add another row for income source on the set up page?

[JeanneneWalker]

Thank you so much for this amazing tool.

[christianrothe]

Having some issues using the template om my MAC. When updating the Budget smarter either som random dates from the last century 1923 appears or everything is erased. Guess it has something to do with the macro but is it not possible to change from PC to MAC when editing ?

[mcdrums]

Such a great template, would be neat to create a new version that includes a way to keep track of investments!

[stressedbyamountainofworks]

Love it, Maybe add Mortgage/Interest rate adjustment&calculation as well?