10 Best Google Sheets Budget Templates in 2025
“Budgeting your money is the key to having enough,” Elizabeth Warren once said. If you don't budget, you won't be able to manage your money effectively, and you could unknowingly put yourself in a bad financial situation.
To help you get started with budgeting in 2025, we've listed 10 of the best Google Sheets budget templates below.
But here's a disclaimer: 1 one of the 10 templates is a Rows simple budget template, which is closely similar to Google Sheets but with advanced features and perks.
Now, let's delve in.
What makes a good Google Sheets budget template?
A good budget template must have objectives and a clearly expressed means of achieving the stated goals.
A good Google Sheets budget template provides all the essential elements to accurately track income and expenses, whether for personal finance, small business budgeting, or project costs.
Here's a breakdown of the valuable components of a good Google Sheets budget template:::
Income Tracking: Fields for various income sources (salary, investments, side hustle, etc.) with the ability to categorize and sum income for a given period.
Expense Tracking: Well-organized sections for date, description, category, payment method, vendor (if applicable), and amount. This ensures consistent data entry and easy analysis.
Pre-defined Categories: Common expense categories (housing, food, transportation, entertainment, savings, etc.) with the flexibility to add custom categories for specific needs. This speeds up entry and improves reporting accuracy.
Budget vs. Actual Comparison: Columns or sections to compare budgeted amounts against actual spending, highlighting variances and areas where adjustments may be needed.
Period Selection: Ability to easily switch between different periods (weekly, monthly, quarterly, annually) to analyze spending patterns over various durations.
Formulas and Calculations: Pre-built formulas to automatically calculate totals, subtotals, and remaining budget balances. This minimizes manual calculations and reduces errors.
Data Validation: Drop-down lists or data validation rules to ensure consistent data entry and prevent typos or incorrect entries in categories or other key fields.
Charts and Graphs: Visualizations of budget data (pie charts for expense breakdowns, line graphs for income/expense trends) to provide quick insights and facilitate communication.
Conditional Formatting: Highlighting of budget variances (e.g., expenses exceeding budget) using color-coding or other visual cues to draw attention to areas needing review.
Customizable Layout: Flexibility to customize the template's layout, add or remove columns, and adjust formatting to suit individual preferences or specific budgeting needs.
Sharing and Collaboration: Ability to easily share the budget template with others (family members, business partners) and collaborate on it in real-time.
Mobile Accessibility: Compatibility with the Google Sheets mobile app for convenient access and updating of the budget on the go.
Read more: Best 15 Free Google Sheets Dashboard Templates [2025]m
Financial spreadsheets, automated.
Rows lets you automate your financial spreadsheets with live data from your bank accounts.
Get Started (free)
Review the 12 best Google Sheets budget template in 2025
1. Rows simple budget template
At Rows, we are committed to creating organized, detailed and tidy templates to help small business owners cater for their daily work activities. This one is no different. Our small business budget template helps you keep track of your income and expenses.
So, imagine how you can easily track all expenses in one place, set and stick to a budget and save time and reduce errors — that's what this template offers
And not just that, it goes beyond what other templates offer. It is a comprehensive tool of it's own as it offers:
Automatic data aggregation from live data sources. So, say you have a data source for collating budget data from, this template can easily connect with such sources and aggregate data.
AI Analyst: All Rows' templated spreadsheets features an AI analyst to help you get answers to related data questions.
Key components of Rows simple budget template
Pre-built categories: Includes common income streams and expense types for small businesses, like sales revenue, utilities, marketing, and payroll.
Automatic calculations: Totals, balances, and cash flow updates happen instantly, so you always know where you stand.
Customizable fields: Adapt the template to your unique business needs by renaming categories or adding new ones.
Simple and intuitive design: No steep learning curve—just plug in your numbers and start managing your finances.
How to get started with Rows simple budget template for small businesses?
To get started, all you need is:
Visit the template page: Click on “use template”.
Click “create spreadsheet” to open up a new page for budgeting purposes.
Add your data: Enter your current income and expenses to see where your business stands today
2. Annual budget templates by Google Sheets template gallery
This Google Sheets Annual Budget Template helps businesses and individuals effectively plan and track their yearly finances. It provides a structured way to estimate income, allocate expenses, and monitor cash flow over the course of a year.
3. Annual budget tracker template by Google Sheets template gallery
This Google Sheets annual budget tracker template is a powerful tool for individuals and businesses looking to monitor their income and expenses throughout the year. Unlike a simple budget planner, this tracker focuses on real-time financial tracking, helping users stay accountable to their financial goals. It allows for monthly income and expense entries while automatically generating yearly summaries.
4. Monthly budget template by Google sheets template gallery
A Google Sheets monthly budget template helps individuals and businesses plan, track, and manage their finances monthly. It provides a structured approach to budgeting by allowing users to allocate income, categorize expenses, and compare actual spending against projections.
Financial spreadsheets, automated.
Rows lets you automate your financial spreadsheets with live data from your bank accounts.
Get Started (free)5. Google Sheets monthly budget template by Template.net
The Google Sheets monthly budget template from Template.net is a structured budgeting tool designed to help individuals and businesses track their income and expenses efficiently. With dedicated sections for income sources, fixed and variable costs, and savings, this template provides a clear financial overview for better planning.
6. Google Sheets salary budget template by template.net
This Google Sheets salary budget template is a template for businesses and HR teams to plan and manage employee salary allocations effectively. It helps organizations track wages, benefits, and other compensation expenses to ensure payroll costs align with financial goals.
7. HR operational budget template
This template is a structured tool designed to help HR teams and business owners plan and manage workforce-related expenses. It provides a clear framework for tracking employee salaries, benefits, recruitment costs, training programs, and other HR expenditures.
8. Startup budget template
This template is a valuable tool for entrepreneurs looking to estimate and manage the costs of launching a new business. It provides a structured breakdown of initial expenses, including office space, equipment, marketing, legal fees, and operational costs, ensuring that startups have a clear financial roadmap.
9. Google Sheets event budget template by Goodocs
This template is a simple yet effective tool for planning and managing event-related expenses. It provides a clear structure for tracking costs such as venue rental, catering, entertainment, decorations, and marketing, ensuring that event organizers stay within budget.
10. Google Sheets family budget template by Goodcos
This template is a practical tool designed to help households track their income, expenses, and savings in an organized manner. It includes dedicated sections for essential spending categories such as housing, groceries, utilities, transportation, and entertainment, ensuring families can manage their finances effectively.
Read more: How to Create a Google Sheets Dashboard in 2025
Financial spreadsheets, automated.
Rows lets you automate your financial spreadsheets with live data from your bank accounts.
Get Started (free)Start with Rows simple budget template
The above listed templates are essential tools for businesses and individuals looking to scale their budgeting needs.
As you know, you can't measure what you don't track.
All monies that flow in and out must be accounted for as related to the budgeted timeframe.
But here's the kicker: Google Sheets templates are limited. They lack advanced functionality and AI features. But with Rows, you get access to advanced automation, plus an AI analyst that can give you speedy answers to data-related questions.
To get started, start using Rows' simple budget template today.
