Free Excel Templates for Budgeting, Expense Tracking, and More

Today I thought I’d share a couple of spreadsheets to help you stay on top of your finances. They’re oldies but goodies.

These sheets will hopefully add to your overall financial organization efforts. I’ve provided a brief explanation about each one and links to download the sheets. 

All-In-One Personal Finance Spreadsheet

First up is my all-in-one, dashboard-style spreadsheet. In general, this sheet puts all your personal financial information in one simple, printable spreadsheet. Here’s what’s included:

  1. Personal Balance Sheet: This is simply a listing of all your assets and liabilities. It totals up to give you your net worth.
  2. Personal Income Statement: This includes your income and all your recurring expenses. While this isn’t a full-blown budget, it will help you visualize what you “have to” pay each month.
  3. Financial Goals: It’s important to keep your financial goals in mind when viewing net worth and income vs. expense. This spreadsheet keeps the big picture in mind.
  4. Online Log-in Credentials: If you’re worried about security, you don’t have to use this section, but I like to have all of my log-in information in one spot so that my wife could pick up the pieces if something happened to me.

This sheet will help you:

1. See your entire personal finance situation all in one spot. To make the most of your finances, you must know precisely where you are starting. This sheet will give you that view.

2. Help a loved one in the case that something happens to you. If you’re the one source of financial knowledge for your family, you need this sheet or something like it stored away safely if something happens to you so that your family can take control of your finances.

Here’s more information about the All-In-One Spreadsheet

Download This Spreadsheet:

All-In-One Financial Spreadsheet (Excel)

Monthly Expense Tracker

Up next is the monthly expense tracker. This sheet will help you avoid late payments and overdrafts by tracking all of your monthly recurring expenses and showing you how they will affect your balance at different times in the month.

This sheet includes a rolling calendar of recurring monthly expenses and income, as well as your total available balance projected out for 30 days or more.

More on how this spreadsheet will help you:

  1. Avoid Late Payments: Since you list out your monthly recurring expenses by payment due date, you’ll be able to reference which bill is coming due at what date quickly
  2. Prevent Bank Over-Drafts: Since the sheet contains a running balance, you’ll be able to roughly predict what your balance will be at various points in the month. This gives you a bit of warning so you can shift some money around from a different account and avoid an overdraft.

Download This Spreadsheet:

Monthly Expense Tracker Spreadsheet

PocketSmith, a calendar-based financial planner, is an automated version of this tracker sheet. Check it out if you want something more advanced. Here’s our full Pocketsmith review

Debt Snowball Spreadsheet

When you are drowning in debt, it can feel like the process will last forever. For most people, the time it takes to get out of debt is much shorter than they think.

I put together this simple Debt Snowball spreadsheet just so I could list all my debts out, put them in order from largest to smallest, and get a rough estimate of how much time till I was debt-free.

This sheet does not count interest into the time, but people who get focused on paying off debt tend to find extra money to make their debt go away in about two-thirds the time this spreadsheet lists.

Download This Spreadsheet:

Simple Debt Snowball Spreadsheet

Special Budget Spreadsheet

Sometimes you want to budget money that doesn’t fit exactly into your monthly budget. This could be a lump sum of money you weren’t expecting or money you will use on a vacation that is sitting in savings.

The special budget spreadsheet allows you to plan this money out without clogging up your normal budget. It is also a great starter budget for kids who don’t need all the features that household budget spreadsheets give you.

Download This Spreadsheet:

Special Budget Spreadsheet

Credit Card Audit Spreadsheet

There are many reasons for having multiple credit cards. One reason is that closing them can temporarily hurt your credit score.

Whether you are using all your open credit card accounts or not, it is important to know all of your accounts, check in on them from time to time, and move any debt around to the lowest interest rates.

To help keep track of all the cards that Mrs. PT and I use, I created the Credit Card Audit spreadsheet.

Not only does it have fields for the cards, but it also gives you places to keep track of fees, rewards, and special privileges your credit cards provide you.

Download This Spreadsheet:

Credit Card Audit Spreadsheet

Upcoming Expenses Spreadsheet

One of the more challenging things for people to budget is expenses that only happen once or twice a year. We get tunnel vision and pretend those expenses aren’t coming, and then WHAM they wreck our monthly budget.

We need to save some money each month for these expenses to prevent this from happening, but how much?

The Upcoming Expenses spreadsheet allows you to list all your non-monthly but known expenses. It calculates how much you need to put into savings each month to keep them from making one or two months a year extremely uncomfortable.

Download This Spreadsheet:

Upcoming Expenses Spreadsheet

While the sheets are by no means perfect, they’ve all helped me at times. Hopefully, you can add them to your financial tool belt and make some use of them too. If you have any questions or suggestions about the sheets, feel free to use the comments below.

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About Philip Taylor, CPA

Philip Taylor, aka "PT", is a CPA, blogger, podcaster, husband, and father of three. PT is also the founder and CEO of the personal finance industry conference and trade show, FinCon.

He created Part-Time Money® back in 2007 to share his advice on money, hold himself accountable (while paying off over $75k in debt), and to meet others passionate about moving toward financial independence.

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  1. No problem, guys.

  2. Thx for the shout out my friend!

  3. Thanks for the mention. I wish I had these spreadsheets when I first started my journey, would have been easier than making my own.

  4. Awesome spreadsheets!

    Thanks for the mention.