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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.

Tabs
4
Columns
24
Fill themselves in
26

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Payment is handled by Stripe. Your card details go to them and never to us. Sales are final, which is why every tab, column and calculation is shown on this page first.

The workbook's summary and the table behind it
A row typed into the real file. Every figure that changes is the spreadsheet's own arithmetic.
The summary page, every figure calculated from the tables
The chart, drawn from the totals in the table beside it
What is inside: the tabs, the columns and what fills itself in
Where you type, and the shaded columns that work themselves out
The guide sheet that opens first and explains the file
Everything included in the download

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.

Budget

One row per category per month. Fill in the amount you plan to spend and the sheet works out the rest. Room for 320 rows.

ColumnTypeWorked out as
Monthchoice (list)
Categorychoice (list)
Budgetedcurrency
Actual SpendcurrencyIF(OR(ISBLANK([month]),ISBLANK([category])),"",SUMIFS([Spending!amount],[Spending!month_key],[month],[Spending!category],[category]))
Left To SpendcurrencyIF(OR(ISBLANK([month]),ISBLANK([category]),ISBLANK([budget_amount])),"",[budget_amount]-SUMIFS([Spending!amount],[Spending!month_key],[month],[Spending!category],[category]))
Budget UsedpercentIF(OR(ISBLANK([month]),ISBLANK([category]),ISBLANK([budget_amount])),"",IFERROR(SUMIFS([Spending!amount],[Spending!month_key],[month],[Spending!category],[category])/[budget_amount],0))
StatustextIF(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")))
Notestext

Spending

Every payment out of the household, one row each. Room for 900 rows.

ColumnTypeWorked out as
Datedate
Categorychoice (list)
Descriptiontext
Amountcurrency
Paid Fromchoice (list)
Essentialbool
MonthtextIF(ISBLANK([date]),"",TEXT([date],"YYYY-MM"))
YearnumberIF(ISBLANK([date]),"",YEAR([date]))
BudgetedcurrencyIF(OR(ISBLANK([date]),ISBLANK([category])),"",SUMIFS([Budget!budget_amount],[Budget!month],TEXT([date],"YYYY-MM"),[Budget!category],[category]))

Income

Money coming in, so the savings figures have something to work from. Room for 240 rows.

ColumnTypeWorked out as
Datedate
Sourcechoice (list)
Descriptiontext
Amountcurrency
Paid Intochoice (list)
MonthtextIF(ISBLANK([date]),"",TEXT([date],"YYYY-MM"))
YearnumberIF(ISBLANK([date]),"",YEAR([date]))

Summary

The answers, updated as you fill in the other tabs. This month means the calendar month you are in today.

MeasureWorked out as
Budgeted this monthSUMIFS([Budget!budget_amount],[Budget!month],TEXT(TODAY(),"YYYY-MM"))
Spent this monthSUMIFS([Spending!amount],[Spending!month_key],TEXT(TODAY(),"YYYY-MM"))
Left to spend this monthSUMIFS([Budget!budget_amount],[Budget!month],TEXT(TODAY(),"YYYY-MM"))-SUMIFS([Spending!amount],[Spending!month_key],TEXT(TODAY(),"YYYY-MM"))
Share of budget used this monthIFERROR(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 monthCOUNTIFS([Budget!month],TEXT(TODAY(),"YYYY-MM"),[Budget!status],"Over")
Categories close to their limit this monthCOUNTIFS([Budget!month],TEXT(TODAY(),"YYYY-MM"),[Budget!status],"Close")
Amount over budget this monthIF(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 monthSUMIFS([Income!amount],[Income!month_key],TEXT(TODAY(),"YYYY-MM"))
Saved this monthSUMIFS([Income!amount],[Income!month_key],TEXT(TODAY(),"YYYY-MM"))-SUMIFS([Spending!amount],[Spending!month_key],TEXT(TODAY(),"YYYY-MM"))
Savings rate this monthIFERROR((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 yearSUMIF([Income!year],YEAR(TODAY()),[Income!amount])
Spent this yearSUMIF([Spending!year],YEAR(TODAY()),[Spending!amount])
Saved this yearSUMIF([Income!year],YEAR(TODAY()),[Income!amount])-SUMIF([Spending!year],YEAR(TODAY()),[Spending!amount])
Essential spending this yearSUMIFS([Spending!amount],[Spending!year],YEAR(TODAY()),[Spending!essential],TRUE)
Payments recorded this monthCOUNTIFS([Spending!month_key],TEXT(TODAY(),"YYYY-MM"))
Average payment this monthIFERROR(SUMIFS([Spending!amount],[Spending!month_key],TEXT(TODAY(),"YYYY-MM"))/COUNTIFS([Spending!month_key],TEXT(TODAY(),"YYYY-MM")),0)
Largest single payment this yearIFERROR(MAX([Spending!amount]),0)