Monthly Budget Tracker

Budget spreadsheet for any month of any year: set a budget for each category, log what comes in and goes out in one list, and see budget vs actual for the month you pick, with over-budget categories in red.

WHAT IT DOES

• Categories in six groups: income, bills, needs, wants, savings and debt. Up to 40 categories, each with its own monthly budget
• One transactions list: date, description, category from a drop-down and amount. No monthly tabs to copy
• Dashboard: pick a month and see budget, actual, what is left and the share used for every group and every category, with a progress bar and over-budget amounts in red
• Left over each month: income minus bills, needs, wants, savings and debt payments
• Year tab: every category for all 12 months, the year total, the yearly budget and what is left, plus totals by group
• Chart of income and spending by month
• Works for any year (change one cell), with room for 2,000 transactions. Any currency
• Prefer to budget by paycheck? Our 2027 Paycheck Budget Planner plans each payday; this one budgets by month

WHAT YOU GET

• Monthly-Budget-Tracker.xlsx (blank: starter categories, budgets ready for yours)
• Monthly-Budget-Tracker-with-Sample-Data.xlsx (a filled-in example: 19 categories, January to September)
• Quick-start guide (PDF)

HOW YOU GET IT

Digital download. After checkout you get a download page right away, plus a receipt by email. Nothing is shipped.

COMPATIBILITY

• Microsoft Excel 2016 or newer (Windows or Mac) and Excel for the web
• Google Sheets: upload the .xlsx to Google Drive, open it, then File > Save as Google Sheets
• Needs a computer or tablet with a spreadsheet app. This is not an app or a printable planner, and it does not connect to your bank

GOOD FOR

Anyone who wants a simple monthly budget: see where the money went, which categories ran over and how much was left each month.

PLEASE NOTE

A personal budgeting tool, not financial advice. For your own personal use; please don't resell or share the files.

DISCLAIMER

This template is a planning tool and does not replace advice from a qualified or licensed professional (such as an accountant, financial advisor or lawyer). Check the results before you rely on them.

HOW IT WAS MADE

Designed by VARS Digital with AI-assisted tools. Every formula is checked before release, and the sample file shows each tab working.

QUESTIONS

Email varsdigitals@gmail.com and we'll help you get set up.