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Free Month-to-month Finances Templates [Simple & Detailed Template Options]


Searching for a budgeting template to take management of your funds? 

You’re in the proper spot!

On this submit, we’ll stroll you thru learn how to make the most of each the easy and detailed budgeting templates.

Easy Finances Template (.XLSX)

Detailed Finances Template (.XLSX)

For those who’re a fan of automation, it’s also possible to arrange the very same finances and mechanically observe your funds over time utilizing the Mint app

The classes used throughout the budgeting templates match these you’ll discover within the Mint app, so it’s straightforward to transition over if and while you’re able to automate your finances.

There are three core budgeting strategies we’ll evaluate within the submit:

  • A Easy Finances Template: Discover ways to use this template that makes use of the identical classes because the Mint app with out going into element.
  • A Detailed Finances Template: Discover ways to use this template that makes use of the identical classes because the Mint app, plus all the main points.
  • The Mint Cellular app: Discover ways to automate the finances arrange course of you’d full with the templates within the app as an alternative.

Managing your month-to-month finances is simple with Mint

Join the Mint app without cost to automate your finances!

Budgeting Utilizing a Easy Finances Template 

Our easy finances template makes use of classes in your earnings and bills, which you should use to trace how a lot cash is coming in and going out every month. Within the template, one can find an:

  • “Revenue Enter” tab
  • “Expense Enter” tab
  • “Finances Abstract” tab

To begin, you’ll have to click on the “Obtain” button to obtain our easy month-to-month finances template, then open it with Microsoft Excel or Google Sheets. Right here’s what to do subsequent.

Step 1:

Begin by clicking on the “Revenue Enter” tab on the backside of the spreadsheet. Right here you’ll see the total checklist of earnings classes. This consists of numerous earnings sources similar to your common paycheck, earnings from investments, bonuses, and extra. 

You’ll have to fill out each the “ESTIMATED” and “ACTUAL” columns. Filling these columns out will mechanically full the “DIFFERENCE” column and present you your complete earnings.

Step 2:

Subsequent, you’ll have to click on on the “Expense Enter” tab on the backside of the sheet. This tab is simply to the proper of the “Revenue Enter” tab, and clicking it ought to carry up an inventory of expense classes together with payments, transportation, leisure, child-raising bills, and extra.

Step 3:

Undergo every class and fill out the “ESTIMATED” and “ACTUAL” sections. Once more, the “DIFFERENCE” column will mechanically populate.

Step 4:

When you’ve added all of your bills, click on on the “Finances Abstract” tab to the proper of the “Expense Enter” tab.

Step 5:

Your “Finances Abstract” will mechanically generate outcomes based mostly on the earnings and bills you added to the finances worksheet. Right here you’ll see a breakdown of your spending by class, your earnings versus your bills, and extra.

Easy Finances Template (.XLSX)


  • Designed for budgeting inexperienced persons: This straightforward finances template is simple to make use of for inexperienced persons who don’t know the place to begin with their finances.
  • Saves time: The framework is already arrange for you, so it may be a great time-saving software.
  • Simply maintain tabs in your finances: It’s simpler to maintain observe of your finances while you use an organized worksheet like this one.
  • Perception into your funds: Whereas this template is straightforward, it might enable you to get a high-level view of the place you’re spending and the place you would possibly want to chop again.


  • Guide course of: Not like with the Mint app, you must manually enter your whole numbers every month.
  • Minimal element: This template doesn’t go into as a lot element as different templates or finances monitoring instruments.
  • Fewer actionable insights: With the template, you’ll be able to see fundamentals about your spending habits. Nonetheless, it doesn’t give your suggestions and actionable insights just like the app.

Budgeting Utilizing a Detailed Finances Template

Our detailed finances template means that you can observe your spending extra granularly. The steps for utilizing the detailed finances template are the identical as the easy finances template, however you’ll have much more inputs. 

Get began by clicking the “Obtain” button, then opening the finances template with Microsoft Excel or Google Sheets. 

Step 1:

First, open the “Revenue Inputs” tab, which you’ll discover on the backside left-hand facet of the spreadsheet. Fill out the “ESTIMATED” and “ACTUAL” columns along with your earnings out of your paycheck, bonuses, and different sources.

Step 2:

When you’ve enter all of your earnings sources, click on on the “Expense Inputs” tab on the backside of the spreadsheet. It ought to be to the proper of the “Revenue Inputs” tab.

Step 3:

Now it’s time so as to add your bills to the sheet, so fill out the “ESTIMATED” and “ACTUAL” columns. You’ll discover that the expense classes are damaged down into a lot better element, permitting you to be very particular about the way you’re spending.

The “DIFFERENCE” column will likely be calculated mechanically.

Step 4:

When you’ve added your earnings and bills, you’ll be able to click on on the “Finances Abstract” tab, which is positioned to the proper of the “Expense Inputs” tab.

Step 5:

The “Finances Abstract” tab will mechanically populate based mostly in your earnings and expense inputs, so you’ll be able to see an in depth image of your finances. This consists of particular spending and earnings classes, charts and graphs, and extra.

Detailed Finances Template (.XLSX)


  • Extra element than the easy finances template. The detailed finances template means that you can break down your bills additional, for a greater understanding of your spending habits.


  • Requires guide sheet administration. With the detailed finances template, you continue to have to enter the worksheet each month and enter all the knowledge your self. 
  • Doesn’t offer you suggestions. The Mint app can analyze your spending and provides personalised insights and suggestions.

Budgeting Utilizing the Mint Cellular App

Finances trackers just like the Mint cellular app have gotten an more and more standard approach to finances as a result of they’re easy and handy. Whereas a finances sheet may be an efficient budgeting software, Mint can prevent time and offer you detailed studies, together with studies that break down your internet value over time.

Right here’s learn how to use the Mint app for budgeting:

Create Your Free Finances

Mint makes it straightforward with automated month-to-month budgeting.

Step 1: Signal Up for the Mint App

The very first thing you want to do is go to or obtain the app to enroll. Enter an e mail, cellphone quantity, and password. You possibly can share your location for a extra personalised expertise.

Step 2: Hyperlink Your Accounts

Now it’s time to hyperlink your accounts so you’ll be able to observe your cash. Merely select the kind of card or account you need to hyperlink, then observe the directions to hyperlink your account with Mint. 

Repeat this course of for all of the playing cards and accounts you need to hyperlink.

Step 3: Select Your Classes 

When you’ve linked your accounts, click on “Budgets” on the high of the web page. Right here, you’ll discover classes Mint has created to assist observe and categorize your spending. You possibly can click on “Create a Finances” so as to add the classes you need.

Right here’s a fast overview of including and enhancing classes in Mint:

Step 4: Add Your Revenue

Your earnings is the muse of your finances, so we advocate beginning by including your earnings. You possibly can click on the “Select a Class” dropdown menu and choose “Revenue”. 

If you add a supply of earnings, you’ll want to incorporate:

  • The supply of the earnings 
  • How typically you obtain the cost
  • How a lot the cost will likely be for 

Step 5: Add Your Bills

Now that all the things is about up, add your private bills. This may very well be a bank card you’re paying off or a month-to-month contribution to your financial savings or retirement account. As soon as once more, you’ll click on “Select a Class” and choose the class the expense ought to be listed beneath. 

If you add an expense, you need to:

  • Choose the frequency (month-to-month, one-time, and so on.)
  • Enter the quantity

Try this fast video for extra on learn how to edit classes:

Step 6: Verify That The whole lot Is Right

When you’re completed setting all the things up, double verify to ensure you didn’t make any errors when including your earnings and bills to Mint. 

To do that, you need to verify what you’ve entered into the app with the corresponding documentation. For instance, evaluate your utility invoice to what you’ve entered in Mint—repeat for all of your bills. Then do the identical with all of your earnings sources, for instance, checking your pay stub and guaranteeing your earnings entry in Mint matches that quantity. 

If any bills are categorized incorrectly, you’ll be able to replace the classes in order that they’re a greater match. Objects categorized as “The whole lot Else” are issues Mint doesn’t know learn how to categorize, so you might need to add customized classes for these bills.

It’s actually as straightforward as that to get began along with your automated month-to-month finances!

Budgeting worksheets and apps like Mint are helpful instruments that will help you monitor your spending and finances to construct a greater monetary future. Get began with Mint without cost right this moment to take management of your funds.


Mint is keen about serving to you to attain monetary targets by way of schooling and with highly effective instruments, personalised insights, and way more. Extra from Mint

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