Financial information at your fingertips: Free budget template: Get the spending plan template
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Free Budget & Spending Plan Template

Your money. Your plan. Your Google Sheet. One free, comprehensive spending plan template you can view instantly. Want to edit your own copy? You can request access right from Google Sheets. No software to install and no account needed here.

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Complete Financial Spending Plan

A free, all-in-one Google Sheet covering everything from your monthly budget to your long-term goals. It includes:

  • Monthly Spending Plan
  • Personal Financial Snapshot
  • Dashboard
  • Goals Tracker
  • Accounts
  • Tax Savings
  • Budget Link
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How to use the template

How to use the spending plan template

  1. Open the template. Click "View Template" to open the Google Sheet in your browser. No sign-in is needed to look around.
  2. Start with the Monthly Spending Plan tab. Enter your take-home pay, then list your needs, wants, and savings. Our guide on how to build a budget that actually works walks through the 50/30/20 split.
  3. Fill in your Personal Financial Snapshot. List what you own and what you owe to see your net worth. If debt is part of the picture, read a practical plan for paying down debt.
  4. Set goals in the Goals Tracker. Add a target amount and date for each goal, like an emergency fund, a down payment, or retirement savings. See investing basics: RRSPs, TFSAs, and compound growth.
  5. Review once a month. A 15-minute monthly check-in comparing your plan to what actually happened is usually enough to stay on track.
FAQ

Template questions

Is the spending plan template free?

Yes. The Complete Financial Spending Plan is completely free to view with no account or sign-in required.

How do I get an editable copy of the template?

Open the template and request edit access directly in Google Sheets. Requesting access shares your name and the email address tied to your Google account with the file's owner.

What is included in the template?

The template includes seven tabs: Monthly Spending Plan, Personal Financial Snapshot, Dashboard, Goals Tracker, Accounts, Tax Savings, and Budget Link.

Do I need Excel or special software?

No. The template runs in Google Sheets, which works in any web browser and in the free Google Sheets app for phones and tablets.