11 Best Google Sheets Budget Templates for Effortless Budgeting

If you're looking for a simple yet effective way to manage your finances, Google Sheets is a fantastic tool for creating budget templates. With its flexibility and customizability, you can easily track income, expenses, savings, and more. In this blog post, we’ve curated 11 of the best Google Sheets budget templates to suit different budgeting needs. Whether you need a monthly budget template, a household budget tracker, or a business budget planner, we’ve got you covered.

1. Simple Monthly Budget Template

This budget template helps you track monthly income and expenses in various categories like housing, groceries, and utilities. It also calculates your net savings at the end of the month.

Ideal for: Personal budgeting

2. Annual Budget Template

If you want to take a long-term view of your finances, this annual budget template helps you plan and track income and expenses throughout the year.

Ideal for: Long-term financial planning

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3. Weekly Budget Template

If monthly budgeting seems overwhelming, you can break things down into weekly budgets. This template is perfect for tracking weekly expenses and keeping your spending in check.

Ideal for: Short-term budgeting

4. Business Budget Template

This template allows small business owners to track income, operating costs, and profits in real-time. It's an excellent tool for managing cash flow and staying on top of business finances.

Ideal for: Small businesses

5. Zero-Based Budget Template

Popularized by financial experts like Dave Ramsey, the zero-based budget ensures every dollar is allocated, leaving no money unaccounted for. This template helps you assign every penny of your income toward expenses, savings, or debt repayment.

Ideal for: Maximizing savings

6. 50/30/20 Rule Budget Template

This template follows the popular 50/30/20 rule, dividing your income into essentials (50%), wants (30%), and savings or debt repayment (20%). It's simple yet effective.

Ideal for: Balanced budgeting

7. Travel Budget Template

Plan your next trip without overspending by using this travel budget template. It tracks your trip's costs, including airfare, accommodation, meals, and activities.

Ideal for: Vacation planning

8. The Budgeting Spreadsheet for People Who Don’t Know How to Budget

If budgeting feels intimidating, this user-friendly template walks you through the process step-by-step, making it easy to get started with budgeting—even if you have no prior experience.

Ideal for: Beginners

9. Budget Planner by 20 Something Finance

This budget planner is designed with young professionals in mind, helping you track your spending, set financial goals, and work toward long-term financial success.

Ideal for: Young professionals

10. Budget and Transaction Tracker with Google Sheets

This template allows you to track every transaction you make, categorizing expenses and providing a clear picture of where your money is going.

Ideal for: Expense tracking

11. RegPaq Google Budget Sheet

This template is fully customizable, allowing you to create a budget that fits your specific financial needs and goals. It's perfect for users who need a tailored solution.

Ideal for: Customizable budgets

Build your custom budget template with UI Bakery

If none of these templates meet your exact needs or if you’re looking for a more profound solution, you can easily create a custom budget tracker with UI Bakery or choose from a ready-to-use template library. This no-code platform allows you to build fully personalized apps with powerful functionality, data integration, and UI components tailored to your exact specifications.

Conclusion

Managing your finances doesn’t have to be complicated. These Google Sheets budget templates can simplify your budgeting process, ensuring that you track your income, expenses, and savings more effectively. With free and customizable options, you’re sure to find a template that fits your personal or business financial goals. And for those who want more flexibility and functionality, you can always create a custom solution with UI Bakery.