The Free Budget Planner

Budgeting shouldn't take a finance degree or a whole evening. This free planner gives you a clear picture of your money in minutes — and it's pretty enough that you'll actually keep using it.

Built around the gentle 50/30/20 framework, it splits your money into needs, wants, and savings, and shows you at a glance whether you're on track. Enter your numbers once and the planner does the rest — totals, categories, and a live monthly overview.

What's inside:

• A Dashboard that updates itself: total in, total out, what's left, and your 50/30/20 split with progress bars.
• An Income tab for everything that comes in — pay, side income, the lot.
• An Expenses tab with category and Need/Want/Saving dropdowns, so your dashboard fills itself in.
• A one-page Guide to get you going, plus a worked example you can type straight over.

Choose your format: download the Excel file, or the Google Sheets version — every formula, dropdown and progress bar works in both. Instant download, no email required.

This is a free tool for general budgeting, not personalised financial advice. See our Disclaimer.