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Google Sheets budget template

Free, with working formulas, and no email wall. Download it and import straight into Google Sheets.

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 Google Sheets (.xlsx)Download .csv

No email address, no sign-up. The formulas work — totals recalculate as you type.

How to import it

  1. Download the file above.
  2. Open Google Sheets and choose File → Import → Upload.
  3. Pick Create new spreadsheet, and you're done — formulas and formatting come across.

The shaded cells are the ones to fill in. Everything unshaded is a formula.

What's in it

  • Income section with planned vs actual
  • Needs, Wants, and Savings & extra debt, each with its own subtotal
  • Planned / Actual / Difference on every line
  • A summary block with Left to assign highlighted

The honest limitation of a spreadsheet

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.

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