Free spreadsheet template
Budget Tracker Spreadsheet Template
Download a free budget tracker CSV template with income, expense, category, account, note fields, and Excel or Google Sheets setup guidance.
This free CSV gives you a clean transaction table that works in Excel and Google Sheets.
This is a lightweight CSV starter, not a finished Excel workbook. Add formulas after import if your spreadsheet app does not preserve formula cells.
If your browser previews the CSV instead of downloading it, right-click the link and save the CSV file.
Template preview
| Date | Category | Description | Type | Amount | Account | Notes | Signed Amount |
|---|---|---|---|---|---|---|---|
| 2026-07-01 | Income | Client payment | Income | 2500 | Checking | Invoice 1001 | =IF(D2="Expense",-E2,E2) |
| 2026-07-02 | Income | Retainer payment | Income | 1800 | Checking | July retainer | =IF(D3="Expense",-E3,E3) |
| 2026-07-03 | Software | Spreadsheet add-on | Expense | 19 | Card | Monthly tool | =IF(D4="Expense",-E4,E4) |
| 2026-07-04 | Office | Printer paper | Expense | 32 | Card | Shared supplies | =IF(D5="Expense",-E5,E5) |
| 2026-07-05 | Utilities | Internet service | Expense | 85 | Checking | Monthly bill | =IF(D6="Expense",-E6,E6) |
| 2026-07-06 | Travel | Client visit | Expense | 120 | Card | Train fare | =IF(D7="Expense",-E7,E7) |
| 2026-07-07 | Meals | Team lunch | Expense | 45 | Card | Project meeting | =IF(D8="Expense",-E8,E8) |
| 2026-07-08 | Marketing | Search ad test | Expense | 60 | Card | Campaign test | =IF(D9="Expense",-E9,E9) |
| 2026-07-09 | Software | Cloud storage | Expense | 15 | Card | Monthly plan | =IF(D10="Expense",-E10,E10) |
| 2026-07-10 | Office | Desk organizer | Expense | 90 | Card | Workspace setup | =IF(D11="Expense",-E11,E11) |
| 2026-07-11 | Utilities | Mobile data | Expense | 25 | Checking | Work line | =IF(D12="Expense",-E12,E12) |
| 2026-07-12 | Marketing | Newsletter tool | Expense | 40 | Card | Monthly plan | =IF(D13="Expense",-E13,E13) |
Field guide
| Column | Purpose | Example value |
|---|---|---|
| Date | Transaction date used for monthly summaries | 2026-07-03 |
| Category | Budget bucket such as Software or Income | Software |
| Type | Income or Expense for sign-safe reporting | Expense |
| Amount | Positive numeric amount | 19 |
| Account | Checking, savings, card, or cash account | Card |
| Signed Amount | Positive income or negative expense for summaries | =IF(D2="Expense",-E2,E2) |
After import, add these formulas
=IF(D2="Expense",-E2,E2)Paste this in H2 and fill down through H13.
Returns with the included sample rows: 2500 for the first income row and -19 for the first expense row after filling down.
=SUMIFS($E$2:$E$13,$A$2:$A$13,">="&DATE(2026,7,1),$A$2:$A$13,"<"&DATE(2026,8,1),$D$2:$D$13,"Expense")Enter this summary formula outside the table.
Returns with the included sample rows: 531.
=SUMIFS($E$2:$E$13,$B$2:$B$13,"Software",$D$2:$D$13,"Expense")Enter this summary formula outside the table.
Returns with the included sample rows: 34.
=SUMIF($D$2:$D$13,"Income",$E$2:$E$13)-SUMIF($D$2:$D$13,"Expense",$E$2:$E$13)Enter this summary formula outside the table.
Returns with the included sample rows: 3769.
How to use it
- Open the CSV in Excel, then use Save As and choose .xlsx; or in Google Sheets use File > Import > Upload and insert a new sheet.
- Verify that H2:H13 contains the Signed Amount formulas after import, then fill down H2 if needed.
- Use the July expenses, Software expenses, and Income minus expenses summary formulas outside the table.
Related spreadsheet formulas
FAQ
Can I use this in Google Sheets?
Yes. Import the CSV and then add formulas in adjacent columns or summary tabs.
Does the site store my budget data?
No. The template is downloaded as a static CSV and the site does not store user data.