Free Budget Spreadsheet Download

May 2, 2016

My Budget Spreadsheet That’s Saved Me Thousands of Dollars

I’ve been meaning to share my free budget spreadsheet with you for at least a year. I know you can get a free budget spreadsheet on almost every personal finance blog out there these days, which is great, but guess what — everyone budgets differently. We all pretty much use the same principles to create our budgets, but not one budget is the same.

The big reason I wanted to share my budget spreadsheet with you is that I’ve been using this template for over 6 years now — and it works.

The first version I created was when I was broke and living on my own for the first time in my life. I was 24 and my annual salary was $30,000. Sometimes I just can’t wrap my head around how I was able to pay rent, feed myself, have fun and save up $8,000 that first year, but the truth is I owe everything to my budget. And my side hustle as a teleprompter operator definitely helped!

Over the years my budget has evolved, and the free budget spreadsheet I’m sharing with you is by far the most user-friendly version I’ve ever created. And because I’m a bit of a nerd and want to do more stuff on YouTube, I’ve created a video tutorial on how to use my budget spreadsheet.

But if you still have any questions, either shoot me an email or comment on this blog post.

Disclosure: Nothing on my website or affiliated channels should be considered advice or an endorsement, and some content may include affiliate links in which I may earn a commission at no extra cost to you. Please read my disclaimer to learn more.

add a comment

  1. Ramona @ Personal Finance Today says:

    Really great share. Need to take a look. I am not that good with spreadsheets myself, so any ‘template’ I can get is good.

  2. Mario says:

    I opted in, but haven’t yet received it. I like the video though. Seems much more customizable than the online account aggregation sites

  3. Kurt says:

    Any tool–especially a free one!–that encourages people to do a budget is a good thing, I think! I know for me the hardest part of budgeting is just getting started–the task can be a bit daunting, especially the first time through. A template’s a great way to make getting started pretty easy. Thanks for sharing yours!

  4. Elle @ New Graduate Finance says:

    Awesome, thanks for sharing!

  5. Danielle says:

    Any plans to incorporate a spending tracker in to this spreadsheet?

    • Jessica Moorhouse says:

      I’ve definitely got plans to integrate a few more helpful ways to budget, so thanks for letting me know you’d be interested in that! Hoping to spend some time this summer on making a really cool program. 🙂

  6. FinanceSuperhero says:

    While many people automate their budget today, I think there is value in using a spreadsheet. By having to do some limited manual calculations and interact with the numbers yourself, you also experience the behavioral benefits of creating a budget. I think automation reduces the intentionality that accompanies the act of budgeting.

    • Jessica Moorhouse says:

      I agree, I think automating everything can backfire. It’s important to does some manual things when it comes to your personal finances so you have that time to really think about everything and remember where you’re at.

  7. Ian says:

    Great to see people overcome low income or debt by using an organized system. Makes things so easy! Thanks for sharing your help!

  8. Santanu says:

    Thanks Jessica for sharing your budgeting habit. Budgeting is a great habit to build a solid & disciplined financial life. People are spending without tracking anything and after sometime they fall in trouble finding no money for next goal or not able to achieve the next financial goal. Only with proper budgeting habit one can save good money for future.

  9. Tara says:

    This was super helpful. Thanks for sending it!

  10. says:

    Very helpful, thanks for sharing.

  11. Sharon says:

    Thanks for this great guide Jessica! I’ve just downloaded the spread sheet but it’s a little bit different than the video and I can’t seem to figure out what to do with the cost of living box. Should I be entering the sum that is the total of my expenses in there?

    • Thanks for the comment Sharon! You’re right, the video that was included was old. I’ve updated the spreadsheet and just made a new video tutorial. Hopefully that video should answer your questions. 🙂

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