These online tools let you skip the setup and math, and start tracking and saving your money right now.
Updated Aug 12, 2024 Written by Courtney Neidel Assigning Editor Courtney NeidelCourtney Neidel is an assigning editor for the core personal finance team at NerdWallet. She joined NerdWallet in 2014 and spent six years writing about shopping, budgeting and money-saving strategies before being promoted to editor. Courtney has been interviewed as a retail authority by "Good Morning America," Cheddar and CBSN. Her prior experience includes freelance writing for California newspapers.
Lead Assigning Editor Kathy Hinson
Lead Assigning Editor | Personal finance, credit scoring, debt and money management
Kathy Hinson is a former Lead Assigning Editor for the Core Personal Finance team at NerdWallet. Previously, she spent 18 years at The Oregonian in Portland in roles including copy desk chief and team leader for design and editing. Prior experience includes news and copy editing for several Southern California newspapers, including the Los Angeles Times. She earned a bachelor’s degree in journalism and mass communications from the University of Iowa.
Fact Checked Co-written by Hal M. Bundrick, CFP® Senior Writer Hal M. Bundrick, CFP®
Senior Writer | Personal finance, financial planning, investing
Hal M. Bundrick is a former NerdWallet personal finance writer. He is a certified financial planner and former financial consultant and senior investment specialist for Wall Street firms. Hal advised families, business owners, nonprofits and trusts, and managed group employee retirement plans.
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Whether you want to use an Excel spreadsheet or a Google Sheet to define and track a budget — or a fully functional online calculator — the budgeting tools below are among our favorites.
How it works: Maintaining a spreadsheet requires discipline, and creating a spreadsheet from scratch takes time. Save yourself the hassle of setting up rows, columns and formulas by using a pre-made Excel template from Office. Templates include a household expense budget , holiday budget planner and event budget.
What we like: There’s a template for just about every budget situation, from simple to complex. Access Excel online and collaborate with others in the same document at the same time.
Where to get it: Visit templates.office.com and type “ Budgets ” in the search box to find an Excel file to download. Or sign in to Microsoft and edit in your desktop browser.
How it works: Google Drive is a file storage service where users can create, upload and share files. Get 15GB of storage for free or upgrade if that's not enough. The Sheets app for Drive includes pre-made templates, such as an annual budget and monthly budget. Google Sheets also provides annual business budget templates for entrepreneurs who want to track their expenses.
What we like: You can bring your budget with you by logging in to your Google Drive account from your smartphone, tablet or computer. You can also share access to a household budget with other members of your family.
Where to get it: Sign in at google.com/sheets , then browse the template gallery, which you can find at the top right of the page.
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How it works: The budget planner enables you to input your monthly income and expenses. With that information, the worksheet shows how your finances compare with the 50/30/20 budget breakdown, which recommends that 50% of your income goes toward needs, 30% toward wants and 20% toward savings and debt repayment. That said, it’s OK if your budget doesn’t perfectly align with the 50/30/20 breakdown. For instance, if you live in an area with a high cost of living, your “needs” bucket may be a little higher, and your “wants” bucket might be less.
What we like: This thorough planner prompts you to consider a wide range of expenses — from life insurance premiums to travel expenses to credit card payments — so you don’t miss anything. You can also see worksheets specific to your situation, whether you’re a college student, parent, homeowner, senior or none of those. We also like that the worksheet compares your budget to the 50/30/20 breakdown.
Where to get it: Learn more about the free budget planner and use it directly on NerdWallet. You can also download the spreadsheet here .
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How it works: The Federal Trade Commission offers a website to educate consumers about money, including how to budget. To get started, consult its "Make a Budget" worksheet. Download the PDF and fill in the fields to see whether you’re making more than you spend or spending more than you make.
What we like: Numbers and formulas can make budgeting a turnoff, but this simple worksheet is the furthest thing from intimidating. It’s a great jumping-off point if you’ve never budgeted before.
Where to get it: On Consumer.gov, download the budget PDF from the "Toolbox" tab.
Wherever you find a budget spreadsheet or template, do some research before downloading it. Checking online reviews and only downloading budget templates from websites you trust will help you avoid phishing viruses.
Researching budget spreadsheets and templates is already a solid start in managing your money. If the tools above aren’t a good fit, you’ve got other options — including signing up for a free NerdWallet account to view your cash flow and see how it matches the 50/30/20 budget guidelines .
Learn about the various monthly expenses you’ll want to track . Try an app that tracks and categorizes your spending. Check out the best budget apps for 2023. Or, if you need to back up and learn more about budgeting, read how to make a budget . About the authorsYou’re following Courtney Neidel
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Courtney is NerdWallet’s consumer savings expert. Her work has been featured by USA Today and The New York Times. See full bio.
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Hal is a former NerdWallet personal finance writer. He is a certified financial planner and former financial advisor. See full bio.
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