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This allows you to compare your spending to what's 'normal' Provides guidelines for how much to spend in each category of your budget.Simple, helpful graphs let you see your monthly spending in a whole new way (just in case you're not a numbers person).

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User-friendly, even if you don’t really know how to use Excel.

A calculator spreadsheet that is smart and interactive, to guide you through the budgeting process.

Our free budgeting worksheet will help you manage your money better.

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You can also download the calculator spreadsheet on the Mac and open it in Numbers:ĭownload Mac version as Numbers Spreadsheet (.numbers) File

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If you don't have Microsoft Excel, you can download OpenOffice for free and then download the file below:ĭownload Open Office Spreadsheet (.ods) File If you have doubts about how much to spend on certain expenses, aren’t sure if you did your budget right, or want help planning your monthly budget so that you can manage money better, this is the free Excel budget calculator spreadsheet to download now! ( the Mac version works great too)įeatures of Our Free Budget Worksheet and Calculatorĭownload Microsoft Office Excel 2007 Worksheet (.xlsx) Fileĭownload Microsoft Office Excel 97-2003 Worksheet (.xls) File Many people put off creating a household budget because they think that they don’t really know how to budget. To make budgeting easier for you and your spouse, family or household, we’ve created an intelligent, interactive Canadian budget calculator spreadsheet in Excel that you can download and use for free as your personal budget template (it's now available on the Mac too). 'And I got to talking to you, I realized that it definitely changed my life, so I don't know why that wouldn't extend to other people.Free Interactive Budget Calculator Spreadsheet for Canadians – Easy to Use Excel Template to Help You Create a Personal Budget 'I don't think I ever really thought that something as stupid as an Excel spreadsheet could change anyone's life,' Celes said. People have reached out to say it helped them get out of credit-card debt, save for a house, and cultivate a healthier mindset around money. Others who found the spreadsheet through Reddit have also made financial strides. Her credit score has also improved and her spending anxiety has lessened, she said. And honestly, that to me is the most meaningful thing.' 'That kind of security and that feeling of safety is something that I had never had up until this point.

'We recently had some emergencies come up and I was able to comfortably afford everything without fearing that suddenly I would be left with nothing,' Celes said. Over the last four years, she built a $10,000 savings cushion. 'I realized that I wanted the savings to be kind of like an expense, so I added it in a weird way so it would almost hide my savings from me. The spreadsheet includes a separate tab for factoring in big-ticket items. At the very top of the spreadsheet: how much you have left to spend for the day, week, or month.

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There are separate calculators for big-ticket purchases and regular savings, plus a goal tracker to log savings progress and setbacks. Savings takes center stage in the current budget template, which Celes shared on the r/personalfinance Reddit channel, a community with 14.6 million members, in May. 'I kind of realized that I needed to be more responsible with how I was working on the spreadsheet and adding things to it and making sure to kind of keep that initial goal of keeping it simple, but also taking the time to help teach people responsible financial practices.' A better budget led to more savings and less anxiety 'One of the things that I really wanted to focus on when I was making it was it for someone who didn't know anything about money,' she said. There wasn't a section in the budget for credit-card payments or savings for big purchases, but as Celes expanded her financial knowledge, she enhanced the spreadsheet, too.

She shared the first iteration of her spreadsheet on Reddit three years ago.

There's a daily 'spendable' amount at the top of the budget that's customizable.

Monthly expenses spreadsheets