Free Home Budget Worksheet
The free Home Budget Worksheet below is meant to help you create a family or personal budget for an entire year. Doing this will help you plan and make predictions about where your family or personal finances will stand in the future. If you are moving, changing jobs, purchasing a home, or making other major life changes, it is essential to plan many months ahead. If you are looking for printable worksheets that don't require you to have Microsoft Excel, then skip down to the printable budget worksheets.
The home budget worksheet is one of our originals, but we now how some newer templates for you to try, such as the Family Budget planner. If you'd like a way to both create and manage your budget, try the new yearly Budget Calculator or the all-in-one Money Management Template.
Home Budget Worksheet
for Excel
This worksheet makes it easy to create and update your home or family budget. Customize the categories and use it for planning your family and personal spending. Created by Eric Bray and Vertex42 LLC.
This file can be imported into almost any spreadsheet program, including Microsoft Excel, Open Office and Google Spreadsheets!
"No Installation, No Macros - Just a simple spreadsheet"
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Using the Home Budget Worksheet
Why Use Excel for your Family or Personal Budget? I use Excel when working with my budget because that it gives me the flexibility to keep track of the information the way I want to. For example, I like to use cell comments to explain certain budgeted items in more detail (such as the fact that in May, there is Mother's Day and a couple of birthdays to remember).
I recommend using Quicken to keep track of your expenses, or your budget projections will end up being only wild guesses. Make sure that you set up the Quicken categories the same as in your spreadsheet, or vice versa. In this worksheet, the categories are organized alphabetically to make it easier to compare to the Cash Flow reports in Quicken.
After each month passes, enter your actual balance at the bottom of the worksheet. If the actual balance is much different from the prediction, try to figure out why, and you may want to adjust your worksheet to reflect your actual income and expenses for the month.
How do I calculate my "actual balance"? What you include in the balance is up to you, but I usually just add up the balance of my checking accounts and then subtract the balance from credit card accounts. In other words, I don't include investments, retirement, or savings accounts in the balance. For example, I include my take-home pay (wage minus tax deductions minus 401k contributions) as an income category, and then I record a transfer to my savings account in the "Savings Expense" category.
More Budget Worksheets
- Family Budget Planner A yearly (12-month) budget planner, but with different categories and formatting than the one listed above.
- Household Budget Worksheet - The monthly version of the 12-month family budget planner.
- Personal Budget Planner - Like the 12-month family budget planner but with different categories (for an individual rather than family)
- Personal Monthly Budget - The monthly version of the personal budget planner.
- YouNeedABudget.com - Try YNAB Pro when you need something more efficient than a basic spreadsheet.
- Household Budget Management - by Eric Bray (.xls ~50 KB) - I was contacted by Eric Bray about putting his worksheet on this site, and he had some great ideas. Creating unique colors for the months helps with readability and might even make it a little more fun to use. Adding and removing categories is a little tricky with this original version because you have to be very careful that the subtotal formulas remain correct.
- Family Budget - by Eric Bray and Vertex42 (.xls ~50 KB) - This spreadsheets is a modification of Eric Bray's original. It's pretty much a cross between the Home Budget Worksheet and Eric's original Household Budget Management worksheet. Note that the categories are the same as in Eric's original, and the subtotals have not been removed. The main difference is some of the formatting and the addition of the projected balance section at the bottom.
- PearBudget - by Charlie Park - If you are looking for a more advanced budgeting spreadsheet that is still simple to use, check out PearBudget, a free Excel workbook by Charlie Park.
Printable Budget Worksheets (PDF files)
- Basic Budget Worksheet, from www.in.gov, - This is a very basic worksheet, but if you are just getting started understanding what a budget is, this may be want you want. And of course, you don't need to have Excel - just a printer.
- Student Budget Worksheet (.pdf), from www.amsa.com, A simple printable budget for college students, from American Student Assistance.
Make a Budget