A third column automatically computes your variance (overspending or savings). One for the amount you projected or budgeted, and the second for actual expenses. Also, the spreadsheet lets you enter expenses in two columns. The disadvantage is that it is not as detailed in the number of categories (that can be modified though). A big advantage is that it breaks out the expenses into fixed, semi variable, and highly variable. This free spreadsheet, like most others, has its advantages and disadvantages. Practical SpreadSheets Fixed Vs Variable Budget
#Best free home budget spreadsheet download#
You can download this personal budget here. However, other calculations could be easily added. The only calculations are the total expenses and the amount of extra or short cash each month. There is no type of analysis in this budget that calculates discretionary versus non-discretionary spending, or anything similar. It is easy to make a copy of the worksheet for each year, so that you can store your information for several years. This type of budget is useful because it is fairly detailed and it spans for an entire year. There is a column for each month of the year, so you can use it to compare your actual spending month after month. It is a rather simple worksheet that lists income and another 60-70 expense categories that you can use to input your actual expenses each month. Spreadsheet123 offers a free download of their personal budget, as the picture to the right shows. You can download this budget template here. However, you could also modify it to meet whatever you need. The first is projected budget, the second is actual, and the third is the difference between the two.īasically, you can use this spreadsheet to compare your actual to projected budget. There are three columns that it uses to analyze your budget. The spreadsheet breaks down expenses into dozens of categories and subcategories, so it is pretty thorough in that respect. However, we did find one good family budget that might fit your needs.Ī picture of the analysis can be seen at the right.
:strip_icc()/how-to-make-a-budget-1289587-Final2-updated-17bbe4528d38430ca42f4138f599ed56.png "best free home budget spreadsheet")
We visited their site and found that many of the spreadsheets are poor quality, have trouble downloading, or are still tied to external sheets that aren’t included in the download.
They offer dozens of free budget spreadsheets that can be downloaded and saved to your desktop. A Household Budget Spreadsheet from Microsoft OfficeĪ great place to start is by turning to the Microsoft Office home budget templates.
#Best free home budget spreadsheet software#
Once you have your spreadsheet software ready, go ahead and read on. You can also open any of these documents in Google Docs for free. Most people prefer Excel, but to save money, I use OpenOffice, which is not only a spreadsheet program that is almost identical to Excel, but it also includes a word processor and Powerpoint type program, and it’s completely free. That means that if you find the one that is closest to what you need, that you can change the rows, columns and calculations to make it exactly what you want.īefore you start, make sure you’ve picked out some spreadsheet software. If you like to just put in actual figures each month and compare them over time, then you should use one that covers an entire year.Īnd remember, all of these budgets can be freely modified by you. If you like to project and then compare to actual, then you should use one that accounts for that. The key to creating the right budget for yourself is finding the one that most closely matches your needs and your way of thinking. And one has calculations that break down necessary versus discretionary spending. One has very detailed expense categories. For example, one of them breaks out costs for each month. What we found is that each one has something unique about it. We took a look at dozens of free spreadsheets from other sites and then downloaded and tested them ourselves. If you’re looking to find a good spreadsheet to help with your budgeting, then you’ve come to the right place.
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