Take control of your spending.
Without the complexity.
A single Excel file with annual budget, transaction log and dashboard. No apps, no subscriptions, no data leaves your computer.
Pay what you want, including free. You decide what it's worth.
Everything included in this Excel budget spreadsheet
Designed so you know exactly where your money goes each month, with no learning curve required.
Annual budget
All 12 months on one screen. Enter income and budget per category; spending is calculated automatically from your transactions.
Transaction log
Record every expense with date, description and category. The budget updates automatically via formulas — no macros needed.
Monthly summary
Pick any month from a dropdown and instantly see budgeted, spent, available and execution percentage.
Category groups Full
Organise categories into groups (Fixed Costs, Variable, Savings…) with automatic subtotals per group.
Balance rollover Full
Unspent budget from one month rolls automatically into the next. Configurable per category.
Dashboard with charts Full
4 automatic charts: category comparison, group breakdown, monthly trend and remaining balance.
Four tabs, fully integrated
Manage your categories
Set up groups and categories once. The entire file updates when you click "Update Budget".
- Rename groups and categories freely
- Add new categories in the empty rows
- Type the name and the key fills itself automatically
- Enable or disable balance rollover per category
| # | Name | Key | Rollover |
|---|---|---|---|
| 1 · Fixed Costs | |||
| 1.1 | Housing | Housing | Y |
| 1.2 | Insurance | Insurance | Y |
| 1.3 | Subscriptions | Subscriptions | Y |
| 1.4 | |||
| 2 · Variable Expenses | |||
| 2.1 | Groceries | Groceries | N |
Annual budget
All 12 months at a glance. Blue cells are inputs; the rest are automatic formulas.
- Enter income and budget per category
- Spent is calculated automatically from Transactions
- Available = Budgeted − Spent (colour-coded traffic lights)
- Automatic subtotals per group
- Unspent balance rolls over to the next month
| Category | Jan 2026 | Feb 2026 | ||||
|---|---|---|---|---|---|---|
| Budg. | Spent | Avail. | Budg. | Spent | Avail. | |
| Fixed Costs | ||||||
| Housing | 800 | 800 | 0 | 800 | 800 | 0 |
| Insurance | 120 | 120 | 0 | 120 | 0 | 120 |
| Subtotal | 920 | 920 | 0 | 920 | 800 | 120 |
| TOTAL | 1.450 | 1.210 | 240 | 1.450 | 900 | 550 |
Transaction log
Record your day-to-day expenses. The category dropdown fills itself from your configuration.
- 500 pre-formatted rows ready to use
- Validated category dropdown
- Date, description, amount and note
- Budget formulas read this table automatically
| Date | Description | Category | Amount |
|---|---|---|---|
| 01/05/2026 | Supermarket | Groceries | €87.40 |
| 03/05/2026 | Petrol station | Transport | €65.00 |
| 05/05/2026 | Spotify | Subscriptions | €11.99 |
| 07/05/2026 | Pharmacy | Health | €24.50 |
| 10/05/2026 | Restaurant | Dining Out | €42.00 |
Monthly summary
Pick the month and review all your data at once. No touching any formula.
- Month selector (1–12) that refreshes the entire view
- Budgeted, spent, available and % per category
- Total income and unallocated balance
- Dashboard with 4 automatic charts
| Category | Budg. | Spent | Avail. | % |
|---|---|---|---|---|
| Fixed Costs | ||||
| Housing | 800 | 800 | 0 | 100% |
| Insurance | 120 | 0 | 120 | 0% |
| Variable Expenses | ||||
| Groceries | 400 | 312 | 88 | 78% |
| TOTAL | 1.450 | 1.112 | 338 | 77% |
You decide what it's worth.
During the first months, the spreadsheet is available with a pay-what-you-want model — including free. If you find it useful, any contribution helps keep it going.
"No apps. No subscriptions. No data ever leaves your computer."
- Complete annual budget · 12 months
- Dashboard with 4 automatic charts
- Balance rollover between months
- Compatible with Excel 2016+ · Mac and Windows
- Updates included
Frequently asked questions
If you don't find the answer, reach out via the form below.
No. You just need to type in cells. All formulas, calculations and charts are already built in. You enter your data — the rest is automatic.
Excel 2016 or higher, on both Windows and Mac. Also works with Excel for Microsoft 365. Not compatible with Google Sheets.
If you have €50 left in "Groceries" in January and rollover is enabled for that category, those €50 are automatically added to your February budget. You never "lose" money you didn't spend.
Yes, as many as you need. Edit the Configuration tab, click the green button and the budget rebuilds automatically.
You can download it completely free — set it to €0 and go. The pay-what-you-want model is for those who want to support the project. Any contribution, however small, helps keep improving the spreadsheet.
No. It's an Excel file that runs on your computer. No data ever leaves your device.
Got an idea or suggestion?
This spreadsheet improves through real-world use. If something's missing or you find a bug, let me know — I read every message.
Ready to get started?
It's free.
Pay what you want, including zero. You decide what it's worth. No sign-up, no subscription.