It will tell you what’s the balance between your income and expenses, meaning how much cash you have left after all expenses are accounted for, or how much you are overspending. Take a look at the very last row of the worksheet. That way, you’ll make sure everything is accounted for. If you don’t have the exact number for certain categories or items, feel free to use your best “guesstimate” until you have the actual information at hand. Enter each dollar amount in the corresponding category. If you pay bills using your credit card(s), you can identify many of your expenses from your monthly statements. Input the information to the best of your knowledge. If that is not the case, you can simply go month by month and adjust the numbers. The amount that you add on the month of January will be automatically added to the following months, assuming that income is the same monthly. Add in your disposable income at the top of the worksheet. For more expert advice on how to break down your spending categories, read our budgeting guide. The totals are automatically calculated, so you don’t have to calculate those. We have included the most popular items and categories, but you can add more by adding rows under each category. Review and rename, if needed, the labels in column A to personalize this budget spreadsheet to truly reflect your financial picture and to work for your lifestyle. Customize income and expenses categories.You can use Microsoft® Excel, Numbers on a Mac or online Google Sheets to edit it.įilling the first column of your spreadsheet is taking the first step towards financial stability. Fill the form above to receive the spreadsheet and PDF versions of the budgeting worksheet to your email for free. Use the budget worksheet to keep track of your income and expenses, check in with yourself to see how you are doing and readjust as needed. How to Use the Savvy Ladies Budget Spreadsheet

You’ll also receive a printable PDF version in case you prefer to track your monthly income and expenses by hand.

Before you purchase any app membership, download the Savvy Ladies easily customizable and free spreadsheet. And the truth is, there’s little that you can’t do on your own on a spreadsheet. While online apps are practical, especially if they sync with your bank account, they all require a paid subscription. What’s the best one? The answer is simple: the one that you will actually stick with. There are many budgeting methods out there: from online apps to the envelope system and beyond. If you want to take control of your cash flow but aren’t sure where to start, we encourage you to read our budgeting guide and download our free budgeting worksheet and start managing your spending today! Knowing your monthly income and expenses creates mindfulness around your money. A budget is an important part of financial well-being.

Free basic budget template