Templates
Budget spreadsheet template
Generate a budget spreadsheet built around your own income, categories and currency — with input cells, variance columns, a summary tab and charts already wired up.
A budget template shaped around your money, not a stranger's
Most downloadable budget templates assume a household you do not have: categories you never spend on, a currency that is not yours, and no room for irregular income. Sehnna builds the template from your description, so the categories, periods and currency are right from the first row.
What the generated budget contains
- An input tab with clearly marked cells for planned and actual amounts.
- Category groups for fixed costs, variable costs, savings and debt.
- Variance columns showing planned against actual, in value and percent.
- A summary tab with monthly totals, savings rate and remaining balance.
- A dashboard tab with spend-by-category and month-over-month charts.
- Twelve months laid out consistently, so annual totals just work.
Budget types you can generate
- Personal monthly budget with a fixed salary.
- Freelance budget with irregular income and tax set-aside.
- Household budget split across two contributors.
- Small-business operating budget by cost centre.
- Project or event budget with a fixed cap.
- Zero-based budget where every unit of income is assigned.
How to build yours
- Describe your income, your main spending categories and your currency.
- Say which period you budget over — monthly, quarterly or annual.
- Preview the workbook and check the formulas in the browser.
- Refine with prompts like 'add a debt payoff tab' or 'track savings goals'.
- Download as .xlsx, or open it in Google Sheets.
Habits that make a budget stick
- Fill the actual column weekly — monthly catch-ups get abandoned.
- Keep irregular annual costs in their own group and divide by twelve.
- Give savings its own line before variable spending, not after.
- Review the variance column, not the totals — that is where the surprises are.