Personal Budget Template for Excel
A simple Excel spreadsheet to track your monthly income, expenses, and savings. See exactly where your money goes. Includes a built-in 50/30/20 budget guide.
- Monthly Income & Expense Tracker
- 50/30/20 Budget Rule Calculator
- Spending Charts by Category
- Sankey Diagram Generator Premium
- Net Worth Tracker Included
- 100% Offline · No Account Needed
Monthly Budget · June 2026
$4,200
50/30/20 Budget
$1,200
29% of income
$520
12% of income
$280
7% of income
Why Use a Budget Spreadsheet?
People who track their spending save an average of 20% more than those who don't. A spreadsheet gives you complete control without handing your bank login to an app.
See Where Every Dollar Goes
Stop wondering why your bank balance is lower than expected. Categorize every expense and see spending patterns you never noticed. The charts make it obvious where to cut back.
Built-in 50/30/20 Guide
The template automatically calculates your 50/30/20 split. Enter your income once and see exactly how much you should spend on needs, wants, and savings. Visual bars show if you're on track.
Private & Offline
No bank logins. No cloud accounts. No data sharing. It's an Excel file on your computer that you control completely. Customise the categories, colours, and layout however you like.
Frequently Asked Questions
Common questions about budgeting with Excel.
How do I create a personal budget in Excel?
Download a budget template, enter your monthly income at the top, then list your fixed expenses (rent, utilities, insurance) and variable expenses (groceries, entertainment, dining). The spreadsheet automatically calculates how much you have left to save. Update it weekly or monthly.
What is the 50/30/20 budget rule?
The 50/30/20 rule splits your after-tax income into three categories: 50% for needs (housing, food, utilities, transport), 30% for wants (entertainment, dining out, subscriptions), and 20% for savings and debt repayment. Our template includes a built-in 50/30/20 tracker that shows if you're on target.
Is there a free Excel budget template I can download?
Yes. The PopaDex Excel budget template is a direct download with no email, PopaDex account, or payment required. It includes the budgeting features described on this page; there is no separate paid workbook offer.
What categories should I include in my budget?
Essential categories include: Housing (rent/mortgage), Utilities (electric, water, internet), Transport (fuel, insurance, public transport), Food (groceries, dining out), Insurance (health, life), Debt payments, Savings, Entertainment, Personal care, and Subscriptions. The template comes with all of these pre-built.
How often should I update my budget spreadsheet?
Track expenses weekly for the most accurate picture, and do a full budget review at the end of each month. This takes about 10 minutes per week. Set a recurring reminder so it becomes a habit.
Can I use this budget template for a household or couple?
Absolutely. Enter combined household income and shared expenses. You can also add separate columns for individual spending if you want to track personal expenses alongside shared ones. The template is fully customisable.
Helpful Guides
More tools and guides to help you manage your money.
Want a Net Worth App Instead?
Keep the budget workbook, or use PopaDex for manual net-worth records. Premium adds optional connections only where the exact institution and account type are compatible.
Standard
Free manual net-worth tracking in one consistent currency
- Privacy-first
- Dark mode
- Manual aggregation
- Monthly snapshots
- Community access
- AI assistant access via MCP (public tools)
Premium
For ongoing multi-currency records and optional supported connections
- Everything in Standard
- Optional connections for supported institutions
- Ongoing records across original currencies
- Advanced insights & analytics
- AI Finance Copilot for your PopaDex portfolio
- Couples sharing when both partners meet plan and encryption requirements
- Priority customer support
Check the price, billing interval and cancellation terms at checkout. Read plan details.
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