Free, with real formulas and no macros. Opens straight into Excel on Windows, Mac or the web.
Last updated: 2026-08-07
Monthly budget (zero-based)
Income, three expense groups, and a live “left to assign” figure that reaches zero when every dollar has a job.
Download for Excel (.xlsx)Download .csv
No email address, no sign-up. The formulas work — totals recalculate as you type.
Double-click the downloaded file. No macros, so no security prompt and nothing to enable. It works the same in Excel for Windows, Excel for Mac and Excel on the web.
A spreadsheet is an excellent way to plan a month and a poor way tolive one. It's on a laptop; your spending happens in a shop. By the time you sit down to reconcile, you're guessing.
That gap is why we built Alfie — the same zero-based method, on your phone, updating what you're safe to spend as you go. No bank linking, no account, works offline. But take the spreadsheet either way: it's free, it's yours, and it works.
