Monthly Business Budget
Maintaining a budget is especially important when running a business. Whether you offer goods or services, this monthly budget template can help put you on the road to success. Record business expenditures, such as advertising, taxes, and legal fees, and plot them against business income, such as product sales and service fees. This template shows you where you need to reduce or eliminate spending, and helps you identify your most profitable sources of income.
DownloadMonthly Business Budget
Excel | Smartsheet
Household Monthly Expense Budget
When you have a house full of people, tracking expenses can get complicated. Monthly budget spreadsheets are helpful when managing spending for your family or roommates. This template gives you a close look at your household’s planned versus actual income and details expenses for individual categories on a monthly basis. Carefully tracking this information will help you better meet financial goals, prepare for emergencies, and plan for the future.
DownloadHousehold Monthly Expense Budget
Excel | Smartsheet
Personal Budget
Setting a budget for yourself is hard — and following it can be even harder. Using monthly budget sheets helps make it easier. This detailed template offers a summary of your income, expenses, and savings goals (both in aggregate and by month) on one sheet with a detailed monthly breakdown by category on another. By taking a closer look at your budget, you can gain better control over your finances.
DownloadPersonal Budget
Excel | Smartsheet
Department Budget
This monthly budget sheet can help you forecast expenses for your business or academic department for the entire fiscal year, as well as by month. You can also compare percentage changes in the budget from year over year. Expenses are grouped by category (for example, website, research, and travel costs) to give you a snapshot of how you’re allocating department funds.
DownloadDepartment Budget
Excel | Smartsheet
Home Construction Budget
Whether remodeling your home or building a new one, it’s easy for costs to get out of hand. Use this monthly budgeting worksheet to account for all labor and materials expenses, track spending by category, and ensure you’re within your overall budget. This template can also help you set aside extra funds for emergency repairs and unforeseen costs, which are common with construction projects. Check out these Excel construction management templates to help you manage a budget for larger jobs.
DownloadHome Construction Budget
Excel | Smartsheet
Simple Monthly Budget
If you just need a basic budget tracker, or if you’re making a budget for the first time, this simple budget template can help you get organized. It offers a basic snapshot of your income, expenses, and insight into extra money that you can save. You can also use this template to plot your finances on a chart for an at-a-glance look at your spending.
DownloadSimple Monthly Budget
Excel | Smartsheet
Academic Club Budget
This monthly budgeting sheet helps you track income and expenses for an academic club. Clubs often have annual goals for fundraising, dues, or sponsorship, as well as limits on monthly and annual spending. Tracking all this on a monthly budget planner can help you gauge progress toward financial goals, and verify that your club isn’t spending more than it’s making.
DownloadAcademic Club Budget
Monthly Budget Calculator
Using this basic budget calculator, you can quickly and easily plot regular expenses for major categories (housing, transportation, debt, etc.) against your income for the month. Simply plug in the payment and receipt amounts, and the calculator will reflect totals in aggregate as well as by category for the month. This gives you an at-a-glance view of how closely you’re sticking to your budget.
DownloadMonthly Budget Calculator
College Student Monthly Budget
College is one of the biggest investments many people will make in their lifetime. Use this monthly budget Excel spreadsheet to help plan for it accurately. In addition to tuition fees, this sheet will help you track spending on textbooks and educational supplies, housing, and transportation, as well as income from jobs, internships, and student loans or scholarships. You can also track your college budget by month or by quarter.
Download College Student Monthly Budget
Excel | Smartsheet
Early Retirement Budget Sheet
Planning ahead is especially important when it comes to your retirement. If income and expenses aren’t tracked and distributed properly, it could seriously impact your future. Using this monthly budgeting worksheet, you can ensure you’re financially secure when you retire. Track income sources as well as living, personal, and medical expenses on a weekly, bi-weekly, quarterly, or annual basis. You can also compare your actual income with what you need to retire comfortably.
DownloadEarly Retirement Budget Sheet
Monthly Family Budget Planner
Families have a lot of expenses. From doctor’s visits to vacations to saving for college, you need a comprehensive budget to track your family’s spending. This monthly budget worksheet allows you to compare expenses with your family’s income and savings, and reflects annual totals by category. Using this template, you can make sure your family is financially prepared for future expenditures, such as education and retirement, as well as for any emergencies that may arise.
DownloadMonthly Family Budget Planner
GLBL Monthly Budget Spreadsheet
If you want granular control over your finances, this “Gather Little by Little (GLBL)” budget template is for you. It allows you to designate every dollar of income you receive from your paycheck for a specific purpose, so you can avoid spending more than you’re making. This comprehensive monthly budgeting worksheet offers an at-a-glance view of all expenses and income on one sheet, and breaks down each spending category in detail on the following sheets in the template.
DownloadGLBL Monthly Budget Spreadsheet
K-12 School Expense Budget Template
Even before your kids reach college, school expenses can add up. Keep track of them with this monthly budget template. It allows you to track all spending related to school and extracurricular activities: tuition, lab fees, books and school supplies, uniforms, club and team dues, and more. By managing your school budget, your kids will have the financial support they need to achieve their goals.
DownloadK-12 School Expense Budget Template
Monthly Budget Template
This all-purpose monthly budgeting spreadsheet can help you keep track of most personal and family expenditures. Use this template to enter housing expenses such as rent, utilities, and telephone; recurring payments such as car loan, insurance, and credit card charges; food and drink expenses; and other costs of living, such as child care, gym memberships, and entertainment. These can be tracked against your individual and/or family income, so you can make sure you’re prepared for the future.
DownloadMonthly Budget Template
Zero-Based Budget Spreadsheet
Similar to the GLBL budget spreadsheet, the zero-based budget involves distributing your income to certain expense categories, so the balance equals zero at the end of each month. Whether you’re allocating money to living expenses (housing, car, groceries, etc.), to fun and entertainment, or to save for the future, a zero-based budget sheet will tell you where each dollar is going. Use this spreadsheet to plot your current income against your expenses, and adjust your budget until it zeroes out.
DownloadZero-Based Budget Spreadsheet
Completed Sample Budgets
Need some more help getting started? These templates offer an example of what your budget might look like once it’s complete. No matter how great your income, planning ahead is important so you don’t overspend, or spend too much in the wrong place. Easily compare your own spending against these sample low-income and high-income budgets to see if you’re on track or need to make adjustments.
Download High Income Budget - PDF
Download Low Income Budget - PDF
How to Use a Budget Template
To create your budget, first determine your regular income: for example, paychecks, government assistance, alimony payments, and child support. Businesses should consider how much money is allotted for specific projects. Don’t count irregular income, such as bonuses or gifts, since these fluctuate from month to month.
Next, calculate your regular expenses. Include everything from housing costs to insurance premiums to recreational spending. For variable expenses, such as utility bills, calculate your monthly average. Don’t forget to include things like groceries, gym memberships, and regular ATM withdrawals.
Finally, choose and download the right budget template and use it to plot all of this information - make sure your spending doesn’t exceed your income. You can also track your finances on an even deeper level by downloading and using one of our weekly budget templates.
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As a financial expert with a comprehensive understanding of budgeting principles and tools, I can confidently delve into the concepts outlined in the provided article. My extensive experience in financial management and budgeting strategies enables me to provide insights and guidance on the various monthly budget templates mentioned.
Monthly Business Budget:
- The template emphasizes the importance of maintaining a budget for businesses, helping to record and analyze expenditures such as advertising, taxes, and legal fees against income from product sales and service fees. This approach ensures businesses can identify areas for cost reduction and pinpoint the most profitable income sources.
Household Monthly Expense Budget:
- This template caters to the complexities of managing expenses for a household or roommates, providing a detailed look at planned versus actual income and categorizing expenditures. Careful tracking assists in achieving financial goals, preparing for emergencies, and planning for the future.
Personal Budget:
- The personal budget template offers a detailed summary of individual income, expenses, and savings goals. It provides both an aggregate and monthly breakdown by category, empowering individuals to gain better control over their finances.
Department Budget:
- Designed for businesses or academic departments, this monthly budget sheet aids in forecasting expenses for the fiscal year, allowing for a comparison of budget changes year over year. Expenses are categorized to offer a snapshot of fund allocation.
Home Construction Budget:
- Tailored for home remodeling or construction projects, this template helps track labor and material expenses, ensuring adherence to the overall budget. It also assists in setting aside funds for emergency repairs and unforeseen costs.
Simple Monthly Budget:
- Geared towards beginners or those needing a basic budget tracker, this template provides a snapshot of income, expenses, and potential savings. It offers a straightforward way to visualize financial data through charts.
Academic Club Budget:
- This template facilitates tracking income and expenses for academic clubs, aligning with annual fundraising goals and monthly spending limits. It aids in monitoring progress toward financial objectives.
Monthly Budget Calculator:
- The basic budget calculator allows users to quickly plot regular expenses against income for the month. It provides an at-a-glance view of adherence to the budget.
College Student Monthly Budget:
- Specifically tailored for college students, this template covers tuition fees, textbooks, housing, and income from various sources. It assists in tracking spending and managing a budget on a monthly or quarterly basis.
Early Retirement Budget Sheet:
- Focused on retirement planning, this monthly budgeting worksheet tracks income sources and various expenses on different time scales. It helps ensure financial security in retirement by comparing actual income with retirement needs.
Monthly Family Budget Planner:
- Addressing the diverse expenses of families, this monthly budget worksheet allows for a comprehensive comparison of expenses with income and savings. It aids in financial preparedness for future expenditures and emergencies.
GLBL Monthly Budget Spreadsheet:
- Providing granular control over finances, this template allocates every dollar of income to specific purposes, preventing overspending. It offers a detailed breakdown of expenses and income.
K-12 School Expense Budget Template:
- Designed for families with school-going children, this monthly budget template tracks expenses related to tuition, school supplies, extracurricular activities, and more. It ensures financial support for educational needs.
Monthly Budget Template:
- An all-purpose monthly budgeting spreadsheet covering personal and family expenditures, including housing, recurring payments, and various costs of living. It allows users to track against individual or family income.
Zero-Based Budget Spreadsheet:
- Similar to the GLBL budget, the zero-based budget ensures every dollar is allocated to specific expense categories, resulting in a balance of zero each month. It aids in understanding where each dollar is spent.
Completed Sample Budgets:
- The provided sample budgets offer examples of low-income and high-income budgets, allowing users to compare their spending and make necessary adjustments. Planning ahead is emphasized to prevent overspending.
How to Use a Budget Template:
- The article provides a step-by-step guide on creating a budget, emphasizing the importance of determining regular income and expenses. It advises against counting irregular income and encourages the use of suitable budget templates to ensure financial alignment.
In conclusion, the mentioned monthly budget templates cater to diverse financial needs, providing individuals, businesses, and academic organizations with effective tools to manage and plan their finances. The variety of templates ensures flexibility and adaptability to different financial scenarios.
