Starting out in your 20s
First real paycheck? Build the habit now and every raise after this goes further.
Free budgeting spreadsheet
Finally see where your money goes. Free.
Get the Free Budget Sheet: a clean, simple budget you can set up in an evening. Track your income, plan your spending, and know exactly where every dollar went this month.
Spreadsheet preview
What's inside
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Track your income
List every paycheck and side hustle in one place, so you start each month knowing what you actually have to work with.
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Plan spending by category
Give every dollar a job: housing, food, transportation, savings and more. Adjust the categories to fit your life.
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See where your money goes
A monthly view shows planned versus actual spending, so the leaks are easy to spot.
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Excel or Google Sheets
You get an Excel (.xlsx) file that also opens in Google Sheets, so you don't need to buy any software.
Who it's for
Getting serious later in life
It's not too late. Starting in your 40s or 50s still changes where you end up.
Paying off debt
You can only get out of debt with money you know you have. A budget shows you where it is.
How it works
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Enter your email
Pop your email in the form. First name is optional.
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Confirm in your inbox
Click the confirmation link in the email from Free Budget Sheet.
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Open your spreadsheet
Download the Excel file (or open it in Google Sheets) and start budgeting.
Questions
Is it really free?
Yes. No credit card, no trial. Just enter your email and we'll send it to you.
What format is it?
An Excel file (.xlsx). It also works in Google Sheets: upload it to Google Drive and choose File > Save as Google Sheets.
Do I need Excel?
No. Google Sheets is free with a Google account and works great. Excel works too if you have it.
Will you spam me?
No. You'll get the spreadsheet plus occasional emails about budgeting and our products. Every email has an unsubscribe link.
Is this financial advice?
No. Free Budget Sheet is educational content to help you learn money basics. It is not financial, investment, tax or legal advice.
Ready to take control of your money?
Get the free spreadsheet in your inbox in a minute or two.