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Excel Simple Personal Budget Template

If you’re looking to get a better handle on your finances and manage your spending, the Excel Simple Personal Budget Template may be just what you want. Spreadsheets are powerful tools and can help you keep your expenses in order. This budget will give you an overview of your budget in one visual place. It also allows you to categorize each expense for further analysis. Operating Budget for any type of business is more organized with this Personal Budget Template.

The simple personal budget template is an easy to use personal financial management tool that makes managing your money easy and fun. It helps you set and track your goals, gives you the ability to see your projected net worth, forecasts your expenses and income, tracks your debt reduction progress over time, and much more. The Excel Simple Personal Budget Template includes many of the same features as the popular Microsoft Money software program with hundreds of thousands of current users worldwide.

Some spreadsheet templates have limitations. The Excel Simple Personal Budget Template is no exception. If the template is not flexible enough, you may find yourself unable to use it. I had plenty of problems while trying to use this template, so it deserves a full review. After all, you want to know exactly what works and what doesn’t before you start using a template. This way, you can avoid making the same mistakes that I made while using this particular template, and put more of your energy into reaching your financial dreams.

If you’re here, it’s probably because you’ve decided that now is the time for a budget. You want to track your spending, plan your savings, and get better control of your finances. And you want all that without having to do much work. If so, then I have good news: This simple personal budget template is exactly what you need.


This is a personal budget template that you can download and use. There are no complicated formulas or difficult steps to follow. It is easy to use, even if you have never used Excel before.

The template provides space for your income, bills/expenses, savings goals, debt reduction plan and more. The Excel file also comes with an example document which shows how each section of the template looks when completed by you!

Use this simple budget template to easily track your monthly income, expenses, and total cash flow.

This template is a simple monthly budget with categories for income, expenses and total cash flow. The total cash flow is calculated by subtracting your total expenses from your total income.

To use this template, you must enable macros in Excel.

What you’ll find in the free Excel budget template

If you have a lot of bills and expenses to manage, then this easy-to-use budget template is for you. It will help you keep track of your spending and see where your money goes each month.

This template has seven different categories: housing expenses, food/drink, transportation, healthcare/medical care, education/training expenses (including any student loan payments), entertainment and recreation expenses, and miscellaneous expenses that include anything else that’s not covered in the other six categories.

You can either manually update this budget template each month or set it up so that it automatically updates itself with the latest information from your bank accounts (see instructions below).

How to use the Simple Personal Budget Template

The Simple Personal Budget Template is ready to use. It’s populated with categories and each category is for a different type of expense or income.

  • Each category has its own cell in the worksheet. These cells can be changed, deleted, or added to as you see fit.
  • You can also group categories together into “groups” if you want to personalize the template further.

How to set up categories in a budget template

When you’re creating your budget template, it’s important to make sure that you have enough categories to reflect the different areas of your spending. For example, if you have a gym membership, paying for groceries and going out with friends regularly, then those three things would be separate categories in your budget.

It’s also important to remember that every category must have an amount of money associated with it. If one is left blank or doesn’t include an amount (like “miscellaneous”), then Excel will automatically assign $0 to it! This means that even though there may be other ways of using up money in this category — perhaps by borrowing money from someone else or getting lucky at the casino — neither option is available because Excel thinks we aren’t spending anything on these things yet (and therefore they can’t possibly be valid expenses).

Key areas of your personal Simple Personal Budget Template

  • Income: The amount of money you earn. This is a very important area because it will determine the type of lifestyle that you can afford.
  • Expenses: The cost of buying items and services such as groceries, gas and utilities.
  • Savings: A portion of your income that does not go toward buying items or paying for services (i.e., rent). You should save at least 10% of your income so that when unexpected expenses come up, you have money set aside for them. If possible, try to save more than 10%.
  • Cash flow: A measure used in accounting to show how much cash is coming into an organization versus going out over a period of time (usually one month). Cash flow is important because it tells you whether or not there’s enough money available next month as well as how much debt has been paid off during this period

Creating and sticking to a budget is hard but it is necessary for financial security.

Creating and sticking to a budget is hard but it is necessary for financial security. If you have no idea how much money you make or what your expenses are, it’s impossible to create a budget. A personal budget template can help you keep track of your cash flow and stay on track with your finances. You need to know exactly where all of your income comes from, as well as all the expenses that are going out of your bank accounts each month. The great thing about using this simple Excel spreadsheet template is that it allows users to fill in their own numbers instead of simply guessing at them or copying them from another source (which would be inaccurate).

In order for any type of budgeting system to work effectively, it needs regular check-ins so that adjustments can be made if necessary. For example, if someone has too much debt relative to their income level then they may want to consider making some changes such as cutting back on certain luxuries like eating out at restaurants every single night during the week where one person could cook dinner instead (and save money) while still living comfortably overall – even though this might affect short-term happiness levels slightly due

Personal monthly budget.

A personal monthly budget is a plan for how you’ll spend your money each month. It helps you stay in control of your finances and make smart decisions about spending, saving, and borrowing.

Why create a personal monthly budget?

A budget can help you:

  • Understand the true cost of living – so that you can set realistic goals and expectations for yourself.
  • Stay on track with your financial goals – like paying off debt or saving for retirement or an emergency fund. You can use it to see if there are any areas where you’re spending too much money during the month and adjust accordingly. For example, if having coffee at work every day costs $4 per day (or about $100 per month), then maybe instead of buying coffee at work every day, you could use those savings to pay off some debt or put towards retirement instead!

Weekly budget template.

A weekly budget can help you stay on track with your financial goals and give you a better idea of how much money is coming in and going out each month. A weekly budget will also allow you to see how much money is left for discretionary spending at the end of the week, which can be helpful when deciding whether or not to take advantage of a sale or splurge on something special.

Before creating your first weekly budget, make sure that all-important expenses are included in your monthly expenses column; this includes items such as rent/mortgage payments, car loans, utilities (gas/electricity), groceries etc. You should also consider adding any irregular expenses that occur throughout the month (e.g., car repairs).

Once these columns have been completed it’s time to begin filling out each individual line item for each pay period with its corresponding dollar amount. For example: if you know that every two weeks you’ll receive $1,000 from your employer on payday then put “$1,000” into the “Cash On Hand” column under “Payday 1st Week.” If those funds will be spent on bills then put those expenses into the corresponding “Bills Due” column under “Payday 1st Week.” Note: The first line item listed under this column should be what day payment goes out (“2nd Friday”). This way when calculating totals later we do not have to worry about missing days because they’ve already been accounted for as part of our regular paychecks (which typically come twice per month).

Project budget template.

  • Project budget template.
  • This is a great way to show how much money you have leftover in your budget at the end of the month, and whether or not you’re on track with your goals. If you have a project coming up soon and need an easy way to keep track of how much it will cost, this template is all that you need!

Business budget template excel.

To be successful, you need a budget that fits your business needs and goals.

Your personal budget template is different from a business budget template. The most important difference between the two is that in a personal finance context, income and expenses are usually paid by the same person (you). However, in a business context, sometimes the corporation or organization is both paying for things as well as collecting money from others. This means that there are many accounts payable and receivable on one side of your balance sheet and cash flow statement, which can make it more complicated than usual to manage your money effectively.

To start with it’s important to understand what kind of accounts you have:

  • Cash/CASHFLOW – this is where you keep track of all incoming funds (e.g., sales) and outgoing ones (e.g., payments). You can also use this category if you have several bank accounts listed under one name e-g “Bank account 1.” Here’s what each one does: * INCOME [income] – this category has all active income sources for your company’s operations including sales revenue coming into its coffers via credit card purchases etc.; * EXPENSES [expenses] – here we list all costs associated with running our business such as salaries paid out every month or utilities consumed during production; * CAPITAL PROJECTS [capital_projects] – this category refers specifically to long-term investments made by companies looking at improving their operational capacity (e..g buying expensive machinery);

Personal annual budget.

This template is a sample budget that can be used for your own personal use. It is not meant to cover all expenses or circumstances, but it will help you get started in creating a budget of your own.

This 2-income family has an annual income of $80,000 and $70,000 respectively. They have two children ages 9 and 12 as well as one dependent parent who lives with them who receives an additional $1250 per month from social security benefits. The family also owns their home and has no outstanding debts at this time.

Annual personal household budget template.

Now that you have a good understanding of what a household budget is and how it works, let’s take a look at some examples.

Example 1: A Personal Household Budget Template

Let’s say you’re single and want to create your own personal household budget. You live in an apartment with one roommate. Your landlord has not increased rent since they were last raised two years ago, but they will be raising it by 2% next year due to inflation. You work full time and earn $50K per year while your roommate works part-time making $15K per year when they can find work (they’ve been lucky lately). Your goal is to spend less than you earn so that you can save money each month for vacations and retirement savings accounts. You want this budget to cover everything from groceries and utilities to transportation costs as well as entertainment expenses like Netflix subscriptions and movie tickets for date nights out with friends (or even alone!).

Monthly household budget worksheet excel.

The monthly budget template is an excellent way to manage your finances and stay on track with your spending. It allows you to create and monitor a budget for each month, which can help you avoid debt and save more money. The worksheet can be used by everyone from students to families with children, so it’s perfect for any type of household budget. You’ll be able to easily see where all of your income is going at the end of each month, so that you’re not surprised by extra expenses or bills that have gone unpaid. If you’re looking for a free personal finance tool that will help keep track of what’s coming in and going out, check out one of our free downloadable templates today!

Personal Budget Templates

While building a budget for yourself, you need to make sure that you are focusing on the right things. The best way to do this is by creating a personal budget template.

There are different types of personal budget templates, such as monthly, weekly and yearly or project-based ones. You can download the free template here or create your own with Excel and Google Sheets plugins like BUDGETS or Budget Tracking PRO.

This post will provide useful information about creating your own personal budget Excel template now!


Create your personal budget on a spreadsheet with the Excel Simple Personal Budget workbook. Whether you’re brand-new to managing money, or a seasoned professional, this template will make it easy to track your income and expenses to help you save money and meet your other financial goals

A simple budget template in excel. This personal budget template will help you stay on top of your finances and organize your bills, income and expenses. Just type in your monthly spending amounts, then watch as the totals change automatically as new information is entered. You can use this template to create your own personal budget. It will help you stay on track with your spending, avoid unnecessary debt, and reach important financial goals.

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