Google Sheets and Excel · version 1.0
Monthly Budget Planner
Know what is left over. Every month.
Type your money in, your bills, your spending and your savings. The sheet tells you what you keep this month. Light and dark versions.
Pay on Etsy. Download right after you pay.
- Works on your phone with the free Google Sheets app
- Also Microsoft Excel 2010 or newer
- Something not working? Tell us and we fix it
How it works
- 1
MONTHLY BUDGET
Type your money in and your bills. Pick how often you get paid.
5 minutes
- 2
SPENDING AND SAVINGS
Type what you plan to spend and what you plan to save.
3 minutes
- 3
SAVINGS GOAL
Add a goal and watch the bar fill.
1 minute
Then read the top of the sheet. "Your plan" says what you keep this month in one line.
See it
What's inside: 3 tabs
- START HERE
- 3 steps to begin, the color code and one check: is everything OK?
- MONTHLY BUDGET
- Money in, bills, spending and savings, planned and actual side by side. What is left, the part of your income you use, bills paid, and every number per paycheck.
- SAVINGS GOAL
- Up to 5 goals. Still to save, months to go, the month you will be done and a progress bar.
Made to be easy
- Only 3 tabs. You type only in the yellow boxes.
- Example numbers are already filled in. Change them to yours.
- Need more lines? Tap the + at the left. Extra lines stay hidden until you need them.
- Orange "Check" words catch typos, like letters in a money box.
- Works on your phone with the free Google Sheets app.
What it counts
- Money in from up to 10 places
- Up to 30 bills, with a due day and Paid?
- Up to 30 spending lines and 10 savings lines
- Paid every 2 weeks, twice a month or weekly
- Planned and actual, side by side
- Up to 5 savings goals
What you get
- Monthly_Budget_Planner.xlsxLight version, with example numbers to change
- Monthly_Budget_Planner_Dark.xlsxThe same sheet in dark mode
- Quick Start Guide (PDF)2 pages in plain English, with buttons to make your own copy in Google Sheets
Works on
- Google Sheets (free), on your phone or computer. The guide has a button to make your own copy.
- Microsoft Excel 2010 or newer.
- No macros. No add-ons. No account with us.
What it does not do
- No taxes. On purpose. It only does your own numbers.
- It does not connect to your bank. You type the numbers.
Ready to see what is left this month?
$0.98. One time. Download right after you pay. Open the guide, make your copy, type your numbers. Ten minutes.
What buyers say
5.0 out of 5 from 1 review on Etsy, as of October 18, 2026. See every review on Etsy
★★★★★
It works so well... Nice...
Questions people ask
How do I get the files?
This is a digital download. Nothing is shipped. After you pay on Etsy, download the files from your Etsy account (Purchases). Open the PDF guide first.
Does it work on my phone?
Yes. Use the free Google Sheets app. The guide has a button to make your own copy. It also works in Microsoft Excel 2010 or newer.
I need more lines.
Tap the + at the left, just under the last line of a list. You get up to 10 income lines, 30 bills, 30 spending lines and 10 savings lines. They count in the totals either way.
I get paid every 2 weeks. Does it work?
Yes. Pick "Every 2 weeks" at the top. That is 26 paychecks a year, so the sheet divides a month by 2.17, not by 2.
Can I use it next month?
Yes. Clear the Actual column and the Paid? column. Keep your plan. Or make a copy of the file for each month.
Does it do my taxes?
No, on purpose. It only does your own numbers. It is not tax, legal or financial advice.
Something is not working. What do I do?
Send us a message on Etsy. We answer and fix it. If we can't, we review your case for a refund.
Good to know
- The numbers already in the sheet are examples. Change them to yours.
- This is a planning tool. It is not tax, legal or financial advice.
- Single-user license: for you and your home. Please do not resell or share the files.
- We design every spreadsheet. We use AI tools to help write and test some formulas and text. Every formula is tested before sale.