Free Budgeting Spreadsheet That’s Ready to Use Now!
This free Excel budgeting spreadsheet isn’t just a template. It’s a full system that’s ready to go. Just add your income and expenses, and it’ll show you your weekly spending money (that’s your Happy Money!) and a clear 2-year forecast. It’s simple, category-free, and designed to help real people like you start budgeting with confidence. You’ve got this!
The Budgeting System That Helped Us Stop Failing
We failed at budgeting many times. What we realized is that the typical budgeting method doesn’t work for most people.
After a lot of trial and error, we created a simple system that felt totally different, and it actually worked. For the first time, we felt financially confident and in control.
We got rid of the categories, the monthly planning, the planners, and the colored highlighters. And along with all that, we let go of the shame, the failure, and the frustration. What was left was something… happier!
You can explore more through the links at the top of the page:
“Learn” – all the ways you can learn our budgeting method.
“Live” – tools like this spreadsheet and our free debt payoff tracker.
“Give” – how to donate and support others on their budgeting journey.
We hope your budgeting journey is a happy one! We’re here to help make it easier.
How to Use the Spreadsheet (It’s Just 3 Simple Steps)
You don’t need to know how to build formulas or even be good with spreadsheets! The system is already built for you. Just follow these 3 simple steps in our budgeting spreadsheet:
1. Enter your income and expenses
Add everything you expect to earn and the fixed bills you know you’ll have. The spreadsheet uses this to calculate what’s safe to spend.
2. Pick your weekly spending amount (your Happy Money)
This is the money you’ll use each week for groceries, gas, fun, or anything else that’s not a fixed expense. The spreadsheet helps you find a number that keeps everything balanced.
3. Check your 2-year forecast
The spreadsheet automatically shows you if your account will ever go negative and what your lowest balance will be. You’ll see whether your Happy Money number works. And if it doesn’t, you can tweak it!
Bonus tip: Your first time, try choosing a higher weekly allowance than you think you need. If you don’t spend it all, you can always move it to savings or roll it over to next week!
What’s Included in the Spreadsheet
This isn’t a blank file with a few cells to fill in, it’s a complete budgeting system, already set up to help you make confident decisions with your money. Here’s what’s inside:
A 2-year forecast that shows when (or if) your account will go negative
Weekly Happy Money calculations based on your income and fixed expenses
Simple charts that show your cash flow over time
Built-in tips and explanations to guide you as you go
You don’t need to start from scratch. Just open the spreadsheet and start entering your numbers! We built this to replace the usual budget planner spreadsheets that make everything too complicated.
What Is “Happy Money”?
Happy Money is your weekly spending money. It’s what you use for groceries, gas, eating out, fun, and everything that isn’t a fixed bill. Instead of sorting every dollar into categories, you get one simple number you can actually remember and stick to.
It’s flexible, it’s easy, and it’s surprisingly effective. If it’s not a bill and it’s not savings, it comes out of your Happy Money. That’s it.
Don’t worry! The spreadsheet does all of the hard calculations for you! We’ll help you feel like an expert even if it’s your first time.
This one change helped us stop overspending, stop guessing, and finally feel like budgeting could fit into our real lives.
Frequently Asked Questions
Can I use this spreadsheet in Google Sheets?
Yes! It works best (and looks best) in Excel, but the features also work in Google Sheets. Just upload the file to your Google Drive to get started.
Is this really free?
Yes! Really! This budgeting spreadsheet is free because we’re a nonprofit, and we want everyone to have access to better budgeting tools. If you find it helpful, you can always support us with a donation.
What makes this different from other budgeting spreadsheets?
It’s a complete system, not just a template or a typical personal finance spreadsheet. There are no categories to manage and no monthly budgets to reset. Just one weekly number to keep you on track!
I’ve never used a budgeting spreadsheet before. Will this be too hard?
Not at all! This is a perfect budgeting spreadsheet for beginners! It’s already set up for you. Just fill in your income and expenses, and the spreadsheet does the rest.
Can I change my Happy Money number later?
Absolutely. You can adjust it anytime, and the spreadsheet will instantly show you how it affects your forecast.
Want More Help (or a Place to Track Your Spending)?
Not sure what to do next? We’ve got you covered!
Our 3-step course and how-to videos will walk you through exactly how to fill out the spreadsheet and choose your weekly Happy Money.
Just a heads up: the spreadsheet sets up your budget, but it doesn’t track your spending.
You can use an app like Goodbudget, or even pen and paper. Our own Happy Giraffe budgeting app is on the way, and it’s built just for this system. Want us to let you know when it’s out? You can sign up below!
Support a Happier Way to Budget
This spreadsheet is totally free! No upsells, no hidden charges. We’re a nonprofit, and your donations help us keep creating tools like this and sharing them with more people who need budgeting help.
If this spreadsheet helped you feel more confident or less stressed about money, consider making a donation to support our work. Even a few dollars helps us keep things going!
