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Personal finance

Create personal finance budget plans to track household expenses with free customizable templates from Microsoft Excel.

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Manage income and expenses effectively with personal finance budget templates in Excel

Save time in organizing your personal finances with a wide range of free online templates. Easily edit expense categories for fixed costs and discretionary spending and set spending limits for specific categories to put budgeting strategies into place.

Basic personal budget green modern simple
Basic personal budget
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Simple personal budget blue modern-simple
Simple personal budget
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Personal monthly budget modern simple
Personal monthly budget
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Personal monthly budget spreadsheet green modern-simple
Personal monthly budget spreadsheet
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Family budget (monthly) blue modern simple
Monthly family budget
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Monthly budget tracker modern simple
Monthly budget tracker
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Customize personal finance templates

Choose from personal budget templates for professionals, students, and families, with monthly and annual timeframes. Start with built-in income and expense trackers. Freely edit expense names and categories.

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Add financial data

Open a CSV from credit card or bank statements in a connected sheet and assign categories to each transaction. Use SUMIF spreadsheet formulas to total expenses for each category as you add transactions.

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Visualize cash flow

See cash you have on hand automatically in personal budget calculators with built-in formulas. Use graphs to see where you spend the most and get a clear picture of your personal finances with summary tables.

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Monitor discretionary spending

Set limits for variable expense categories and compare your planned expenses with your actual spending. Check your budget tracker throughout the month to stay consistent and avoid overspending, even on recurring bills.

Track finances
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Use Copilot for help and insight

Chat with Copilot in Excel to learn how a formula works. Have Copilot suggest actions to accomplish a task, like adding a column to compare spend month over month. Ask Copilot for a summary of your spending habits and ask for any patterns it can see to aid future financial decisions.

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Make better financial decisions

Plan accurately for the future based on past spending. Use techniques like zero-based budgeting or the 50/30/20 rule to prioritize saving and paying off debt. Use a budget to gain financial control.

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Coordinate family finances

Share budget spreadsheets with family members online to allow co-authoring. Collaborate on a household budget to teach good spending habits and financial literacy to your children. Reduce stress around talking about money and making financial decisions.

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How to manage personal finances in Excel 

  1. Search the template library for options that align with goals

  2. Customize budget categories like food, housing, transportation, and health

  3. Plan expense category totals and include room for paying debt and saving

  4. Record transactions regularly and update actual expense totals

  5. Review planned vs actual expenses and your total cash flow

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Frequently asked questions 

Create personal finance budget plans in Microsoft Excel

Start with a template