Family Budget Spreadsheet & Bills Planner, EN + RO, Google Sheets Import

A small, practical family budget for two incomes, occasional income and shared expenses.

WHAT YOU RECEIVE
4 XLSX workbooks: English Blank, English Demo, Romanian Blank, Romanian Demo.
2 PDF Quick Start guides: English and Romanian.
Each workbook includes 8 tabs: Start Here, Setup, Transactions, Monthly Budget, Bills Calendar, Savings Goals, Debt Overview and Dashboard.

HOW IT WORKS
Download and unzip the ZIP on a computer. Import a Blank workbook into your own Google Sheets account, then save as Google Sheets if needed. Set your currency label, reporting month, categories and household names. Record transactions manually; keep the fictional Demo separate.

WHAT THE CALCULATIONS DO
Recorded income, net expenses and monthly net flow.
Planned versus actual category spending.
Bill payment matching by unique Bill ID, including partial payments and refunds.
Transfers between your household accounts do not inflate income or spending.
Savings progress from manually entered balances. Debt balances and payment plans are manual snapshots.
Review warnings exclude malformed transaction rows from totals.

SEE THE DEMO
Add a 25.00 grocery expense. Example net expenses update from 1,310.00 to 1,335.00; net flow updates from 2,040.00 to 2,015.00. This is recorded cash flow, not a bank balance.

READ BEFORE BUYING
Digital files only; no physical item, bank connection, subscription, managed service or financial advice.
One currency per copy; currency selection is a label, not currency conversion.
Recurring bills are entered manually each month. The planned budget is a single monthly plan; update it manually when switching months, or save dated copies.
Up to 1,000 transactions, 60 bills, 10 savings goals and 10 debts per workbook. Do not enter outside the prepared ranges.
Google account and available Drive storage are required for Google Sheets import. Desktop setup is recommended; wide tables may require scrolling on a phone.
No scripts, bank passwords or API keys are needed. Keep sharing Restricted. Personal household use only; no resale or redistribution.

COMPATIBILITY
Google Sheets desktop import and sample transaction calculations were checked in both English and Romanian. Desktop setup is recommended. Use on a physical phone has not been verified; wide tables may require scrolling.

AI DISCLOSURE FOR ETSY
AI tools assisted the creation of this template and its instructions. HOST-C reviewed the files and checked sample calculations locally and in Google Sheets on desktop.

Google Sheets is a Google trademark. HOST-C is not affiliated with Google.
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