Free Finance Templates for Excel & Google Sheets
Budgeting, expense tracking, cash flow, and financial planning spreadsheets for small businesses, freelancers, and personal finance in Excel and Google Sheets.
Finance templates answer the everyday questions: where is my money going, will I have enough cash next month, and how do I plan for the year ahead? This category focuses on practical forecasting and tracking tools — starting with expense trackers that group your spending by category so you can spot waste at a glance.
Whether you're a freelancer wanting to know your monthly burn, a small business owner planning next quarter's expenses, or an individual budgeting household finances, these templates cut the manual work. Everything is formula-driven, so you enter numbers and the summaries update themselves.
Templates in this category
A free wedding budget planner spreadsheet for Excel and Google Sheets. Three sheets: at-a-glance budget overview with category summary and savings tracker, detailed line-item budget across 11 categories (venue, catering, attire, flowers, photography, and more), and a guest-count per-head cost calculator. Currency-neutral — works for weddings anywhere in the world.
A free monthly budget spreadsheet for Excel and Google Sheets. Track income, fixed expenses, variable expenses, savings, and debt payments — with budgeted vs actual columns, automatic totals, and a 12-month yearly summary. Currency-neutral and works for personal finance worldwide.
A free business expense tracker spreadsheet for Excel and Google Sheets. Log every expense on one sheet and watch the monthly summary — spend by category, grand total, and transaction count — update automatically. Works for freelancers, small businesses, and startups.
What to look for in a finance template
- Category-based grouping so you see spend by area (rent, salaries, marketing, etc.)
- SUMIF or pivot-style summaries that update as you enter new rows
- Monthly and cumulative views for trend spotting
- Category dropdowns to keep data consistent (no typos, no duplicate categories)
- Room for both business and personal use (with separation for tax reasons)
- Works in Excel, Google Sheets, and LibreOffice
Frequently asked questions
What is the difference between an expense tracker and a cash book?+
An expense tracker records only outgoing money grouped by category — useful for seeing where spending goes. A cash book records both inflows (income) and outflows (expenses) chronologically with a running balance — useful for knowing cash on hand at any time. Most businesses use both.
Which business expenses are tax deductible in India?+
Under Section 37 of the Income Tax Act, ordinary and necessary business expenses are deductible — rent, utilities, professional fees, marketing, staff salaries, business travel, software subscriptions, and depreciation on business assets. Personal expenses are not, even if paid from the business account. Keep a receipt or invoice for every entry.
Should I track personal and business finances in the same spreadsheet?+
No. Keep them completely separate. Mixing personal and business transactions makes tax filing painful, confuses your P&L, and creates problems if the business is ever audited. Use one file for business, a separate file for personal.