Top 5 Free Budget Templates for 2025

If one of your goals for 2025 is to take control of your money, a budget is the best place to start. But instead of building one from scratch, you can save time and stress by using a ready-made budget template. The good news? There are plenty of high-quality free budget templates you can download right now to organize your income, expenses, and savings.

To help you out, we’ve rounded up the Top 5 Free Budget Templates for 2025 that are easy to use and customizable for your needs.

1. Google Sheets Monthly Budget Template

Best for: Beginners who want something simple and cloud-based.

Google Sheets offers a clean, easy-to-use monthly budget template that automatically calculates your totals. Since it’s stored in the cloud, you can access and update it from your phone or computer anytime. Perfect if you like budgeting on the go.

👉 Where to find it: Google Drive → New → Template Gallery → “Monthly Budget”

2. Microsoft Excel Personal Budget Template

Best for: Excel users who want built-in formulas.

Excel’s personal budget template makes budgeting straightforward by tracking income, expenses, and savings categories. It’s fully customizable, so you can tweak it to match your personal spending style. If you’re comfortable with spreadsheets, this is a strong choice.

👉 Where to find it: Excel → File → New → Search “Personal Budget”

3. Tiller Money Free Foundation Template

Best for: Automated budgeting with spreadsheets.

Tiller offers a free “Foundation Template” for both Google Sheets and Excel. Once connected to your bank accounts (optional), it automatically pulls in transactions and categorizes them. This saves time on manual data entry and gives you a real-time view of your finances.

👉 Where to find it: tillerhq.com (Free with 30-day trial, then Foundation template remains free)

4. Smartsheet Monthly Budget Template

Best for: Project managers and organized planners.

Smartsheet’s budget template combines the structure of a spreadsheet with project-management-style functionality. It’s great for people who want to budget not just for personal use but also for events, projects, or even small business needs.

👉 Where to find it: smartsheet.com (Free templates available)

5. Vertex42 Household Budget Spreadsheet

Best for: Families or households managing shared expenses.

Vertex42 is well-known for its professional-grade spreadsheets, and their free household budget template is one of the best. It’s designed to handle multiple income sources, family expenses, and savings goals. Ideal for couples or households managing money together.

👉 Where to find it: vertex42.com

Final Thoughts

The best budget template is the one you’ll actually use. Whether you prefer Google Sheets, Excel, or a more automated system like Tiller, each of these free tools can help you take charge of your finances in 2025. Start with one, stick with it for at least a month, and adjust as needed until you find the perfect fit.

Remember: budgeting isn’t about restriction—it’s about creating financial freedom and clarity.