Monthly Household Budget
Made for households getting a grip on their money.
Set a monthly budget for each category, record what you actually spend and earn, then see where you went over, what is left and how much you saved. The summary carries a chart that redraws itself as you type.
Of the 24 columns, you fill in 15 and the other 9 work themselves out, and all 17 figures on the summary do too. There is room for 1,460 rows of your own.
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- A new row is typed into the Spending tab, one cell at a time, in the white cells a person fills in.
- The shaded cells in that row fill themselves in.
- The figures on the Summary tab change to include the new row.
- The chart, Where the money goes by category, redraws with it.
Everything inside, before you pay
This is the whole design: every tab, every column and how each calculated one is worked out. White cells are yours to fill in; the shaded ones work themselves out and are locked so a formula cannot be overwritten by accident. There is room for 1,460 rows. Open any tab to see its columns.
Budget
8 columns
| Column | What goes in it | Worked out as |
|---|---|---|
| Month | Pick the month this budget applies to, written as year then month.Pick one: 2026-01, 2026-02, 2026-03, 2026-04, 2026-05, 2026-06, 2026-07, 2026-08, 2026-09, 2026-10, 2026-11, 2026-12, 2027-01, 2027-02, 2027-03, 2027-04, 2027-05, 2027-06, 2027-07, 2027-08, 2027-09, 2027-10, 2027-11 or 2027-12. | |
| Category | Pick one: Housing, Utilities, Groceries, Transport, Dining Out, Health, Childcare, Household, Leisure or Other. | |
| Budgeted | Type an amount in £. | |
| Actual Spend | Fills itself in. | The total of Amount on Spending where Month matches this row's Month and Category matches this row's Category. The formulaIF(OR(ISBLANK([month]),ISBLANK([category])),"",SUMIFS([Spending!amount],[Spending!month_key],[month],[Spending!category],[category])) |
| Left To Spend | Fills itself in. | Worked out from this row's Month, Category and Budgeted, using Amount, Month and Category on Spending. The formulaIF(OR(ISBLANK([month]),ISBLANK([category]),ISBLANK([budget_amount])),"",[budget_amount]-SUMIFS([Spending!amount],[Spending!month_key],[month],[Spending!category],[category])) |
| Budget Used | Fills itself in. | Worked out from this row's Month, Category and Budgeted, using Amount, Month and Category on Spending. The formulaIF(OR(ISBLANK([month]),ISBLANK([category]),ISBLANK([budget_amount])),"",IFERROR(SUMIFS([Spending!amount],[Spending!month_key],[month],[Spending!category],[category])/[budget_amount],0)) |
| Status | Close means you have used nine tenths of the budget or more.Fills itself in. | Worked out from this row's Month, Category and Budgeted, using Amount, Month and Category on Spending. The formulaIF(OR(ISBLANK([month]),ISBLANK([category]),ISBLANK([budget_amount])),"",IF(SUMIFS([Spending!amount],[Spending!month_key],[month],[Spending!category],[category])>[budget_amount],"Over",IF(SUMIFS([Spending!amount],[Spending!month_key],[month],[Spending!category],[category])>=[budget_amount]*0.9,"Close","On track"))) |
| Notes | Type any text. |
Spending
9 columns
| Column | What goes in it | Worked out as |
|---|---|---|
| Date | Type a date. | |
| Category | These match the Budget tab so the two line up.Pick one: Housing, Utilities, Groceries, Transport, Dining Out, Health, Childcare, Household, Leisure or Other. | |
| Description | Type any text. | |
| Amount | Type an amount in £. | |
| Paid From | Pick one: Joint Account, Current Account, Credit Card, Cash or Direct Debit. | |
| Essential | Tick if this was something you could not avoid.Tick it when it applies. | |
| Month | Used to match each payment to its budget month.Fills itself in. | Worked out from this row's Date. The formulaIF(ISBLANK([date]),"",TEXT([date],"YYYY-MM")) |
| Year | Fills itself in. | Worked out from this row's Date. The formulaIF(ISBLANK([date]),"",YEAR([date])) |
| Budgeted | Fills itself in. | Worked out from this row's Date and Category, using Budgeted, Month and Category on Budget. The formulaIF(OR(ISBLANK([date]),ISBLANK([category])),"",SUMIFS([Budget!budget_amount],[Budget!month],TEXT([date],"YYYY-MM"),[Budget!category],[category])) |
Income
7 columns
| Column | What goes in it | Worked out as |
|---|---|---|
| Date | Type a date. | |
| Source | Pick one: Salary, Second Salary, Bonus, Freelance, Benefits, Interest, Refund or Other. | |
| Description | Type any text. | |
| Amount | Type an amount in £. | |
| Paid Into | Pick one: Joint Account, Current Account or Savings Account. | |
| Month | Fills itself in. | Worked out from this row's Date. The formulaIF(ISBLANK([date]),"",TEXT([date],"YYYY-MM")) |
| Year | Fills itself in. | Worked out from this row's Date. The formulaIF(ISBLANK([date]),"",YEAR([date])) |
Summary
17 figures
| Figure | Worked out as |
|---|---|
| Budgeted this month | Worked out from Budgeted and Month on Budget. The formulaSUMIFS([Budget!budget_amount],[Budget!month],TEXT(TODAY(),"YYYY-MM")) |
| Spent this month | Worked out from Amount and Month on Spending. The formulaSUMIFS([Spending!amount],[Spending!month_key],TEXT(TODAY(),"YYYY-MM")) |
| Left to spend this month | A negative figure means the household is over budget overall. Worked out from Budgeted and Month on Budget and Amount and Month on Spending. The formulaSUMIFS([Budget!budget_amount],[Budget!month],TEXT(TODAY(),"YYYY-MM"))-SUMIFS([Spending!amount],[Spending!month_key],TEXT(TODAY(),"YYYY-MM")) |
| Share of budget used this month | Worked out from Amount and Month on Spending and Budgeted and Month on Budget. The formulaIFERROR(SUMIFS([Spending!amount],[Spending!month_key],TEXT(TODAY(),"YYYY-MM"))/SUMIFS([Budget!budget_amount],[Budget!month],TEXT(TODAY(),"YYYY-MM")),0) |
| Categories over budget this month | Worked out from Month and Status on Budget. The formulaCOUNTIFS([Budget!month],TEXT(TODAY(),"YYYY-MM"),[Budget!status],"Over") |
| Categories close to their limit this month | Worked out from Month and Status on Budget. The formulaCOUNTIFS([Budget!month],TEXT(TODAY(),"YYYY-MM"),[Budget!status],"Close") |
| Amount over budget this month | Worked out from Amount and Month on Spending and Budgeted and Month on Budget. The formulaIF(SUMIFS([Spending!amount],[Spending!month_key],TEXT(TODAY(),"YYYY-MM"))>SUMIFS([Budget!budget_amount],[Budget!month],TEXT(TODAY(),"YYYY-MM")),SUMIFS([Spending!amount],[Spending!month_key],TEXT(TODAY(),"YYYY-MM"))-SUMIFS([Budget!budget_amount],[Budget!month],TEXT(TODAY(),"YYYY-MM")),0) |
| Income this month | Worked out from Amount and Month on Income. The formulaSUMIFS([Income!amount],[Income!month_key],TEXT(TODAY(),"YYYY-MM")) |
| Saved this month | Worked out from Amount and Month on Income and Amount and Month on Spending. The formulaSUMIFS([Income!amount],[Income!month_key],TEXT(TODAY(),"YYYY-MM"))-SUMIFS([Spending!amount],[Spending!month_key],TEXT(TODAY(),"YYYY-MM")) |
| Savings rate this month | The share of this month's income you did not spend. Worked out from Amount and Month on Income and Amount and Month on Spending. The formulaIFERROR((SUMIFS([Income!amount],[Income!month_key],TEXT(TODAY(),"YYYY-MM"))-SUMIFS([Spending!amount],[Spending!month_key],TEXT(TODAY(),"YYYY-MM")))/SUMIFS([Income!amount],[Income!month_key],TEXT(TODAY(),"YYYY-MM")),0) |
| Income this year | Worked out from Year and Amount on Income. The formulaSUMIF([Income!year],YEAR(TODAY()),[Income!amount]) |
| Spent this year | Worked out from Year and Amount on Spending. The formulaSUMIF([Spending!year],YEAR(TODAY()),[Spending!amount]) |
| Saved this year | Worked out from Year and Amount on Income and Year and Amount on Spending. The formulaSUMIF([Income!year],YEAR(TODAY()),[Income!amount])-SUMIF([Spending!year],YEAR(TODAY()),[Spending!amount]) |
| Essential spending this year | Worked out from Amount, Year and Essential on Spending. The formulaSUMIFS([Spending!amount],[Spending!year],YEAR(TODAY()),[Spending!essential],TRUE) |
| Payments recorded this month | Worked out from Month on Spending. The formulaCOUNTIFS([Spending!month_key],TEXT(TODAY(),"YYYY-MM")) |
| Average payment this month | Worked out from Amount and Month on Spending. The formulaIFERROR(SUMIFS([Spending!amount],[Spending!month_key],TEXT(TODAY(),"YYYY-MM"))/COUNTIFS([Spending!month_key],TEXT(TODAY(),"YYYY-MM")),0) |
| Largest single payment this year | The largest Amount on Spending. The formulaIFERROR(MAX([Spending!amount]),0) |
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