Monthly Budget Google Sheets Template, Light Mode Printable Budget Planner, Monthly Expense Tracker, Debt and Savings Goals, Any Year

Plan the month, log what you spend, and always know what is left.

The Monthly Budget, Light Edition is a simple Google Sheets template for planning one month at a time. Add your take-home pay, list your fixed costs and set a plan for each spending category. As you log spending, the Dashboard shows what is left to spend this month, how much that is per day, and how many days are left. Pick any month in the month picker to look back or plan ahead. It works for any year.

Light mode is bright and easy to read in daylight, and it prints cleanly on plain paper.

Example: in the filled-in Example version it is November 10. There is $770 left of a $1,400 spending plan, about $37 a day for the 21 days left. Eating out is at $254 of $200, so it shows $53.50 over, and a note says spending is running ahead of the month (45% used, 33% of the month gone).

Prefer dark mode? A Dark Mode version is also in the shop. Same features, different look.
Want a payoff plan and a bill calendar too? The Monthly Budget Bundle (Monthly Budget + Debt Payoff Planner + Bill Tracker) is in the shop as well.

★ THIS IS A DIGITAL DOWNLOAD ★
No physical item will be shipped. After purchase you'll download a PDF guide with links to make your own copy of the template in Google Sheets. You need a free Google account to use it.

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WHAT'S INCLUDED
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• Start Here guide PDF with your copy links, quick start steps, tips and FAQ
• EXAMPLE version (filled in with a sample month so you can see how it works)
• BLANK version (ready for your numbers)

8 connected tabs:
1. Start Here – 5 setup steps, your pay and settings
2. Dashboard – the whole month on one screen
3. Income – up to 2 earners plus extra income
4. Budget – fixed costs and a spending plan
5. Spending – quick spending log
6. Year – every month side by side
7. Debt – up to 8 debts
8. Savings – up to 8 goals

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FEATURES
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DASHBOARD
• Left to spend this month, per day and days left
• Progress bar plus a note when spending runs ahead of the month
• Tiles for income, fixed costs, spent, debt payments, savings and not assigned
• Spending by category with what is left in each
• Coming up: the next fixed costs and bigger non-monthly bills
• Savings goals, debt summary and year so far

INCOME
• Up to 2 earners
• Monthly, twice a month, every 2 weeks or weekly pay
• Counts the real paydays in each month, so 3-paycheck months show up on their own
• Up to 100 extra income entries (bonus, side job, refund, gift)

BUDGET
• Up to 30 fixed costs: monthly, every 2 months, quarterly, twice a year, yearly or one-time
• Bills that are not monthly land in the right month
• Autopay checkboxes
• Up to 20 spending categories (11 filled in to start), with one-month changes

SPENDING
• 600-row log: date, what, amount, category dropdown

YEAR VIEW
• All 12 months side by side: income, fixed costs, spending, debt, savings and what was left over
• Every category by month, overspends shown in red

DEBT
• Up to 8 debts with balance, APR and progress
• Payoff month, interest left and a debt-free date at your current payments

SAVINGS
• Up to 8 goals with a target date
• Shows how much to set aside each month

MADE TO BE EASY TO KEEP UP
• Light mode: white, clean and printable
• Prints cleanly: File > Print in Google Sheets, no dark backgrounds to waste ink
• Lexend font, designed for easier reading
• Blue cells = type here. Everything else fills in by itself.
• Works on your phone in the free Google Sheets app
• Undated: pick any month, any year

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HOW IT WORKS
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1. Download the PDF guide after purchase
2. Click the link and choose "Make a copy" (sign in to Google first)
3. Open the Start Here tab and follow the 5 steps (about 15 minutes)
4. Each week: log what you spent, then glance at the Dashboard. That is the whole routine.

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GOOD TO KNOW
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• Google Sheets template. Requires a free Google account.
• Built for Google Sheets, not Excel. You can download it as .xlsx, but some features may look or work differently.
• This is a budgeting tool, not financial advice.
• Colors may look slightly different on different screens.
• Because this is a digital product, returns and exchanges aren't accepted. If anything isn't working, message me and I'll help.

PERSONAL USE ONLY. Please don't share, resell or redistribute the file or links.

Designed by Travis McGravis of PracticalHowTo with help from digital tools.

Thank you for supporting a small shop!