Download it free
Choose either shop. Both ask for an email address so they can send you the download link. The price is $0; no card needed.
Get it free on PayhipWhat is inside
- Budget: income and up to 30 spending lines, each marked Need, Want, Saving or Giving. Planned versus actual, what is left to assign, and a 50/30/20 check that shows your real split.
- Sinking Funds: yearly or irregular costs such as insurance, car repairs or gifts, turned into a monthly amount.
- Emergency Fund: a target of 3 to 6 months of essential costs, the gap, and how many months it takes at your monthly saving.
- More from Wellkept: links to the free calculators and the full workbooks, if you want more later.
Open the .xlsx file in Microsoft Excel (2016 or later) or LibreOffice Calc, or upload it to Google Drive and open it with Google Sheets. Teal cells are for your entries; grey cells calculate automatically. Nothing connects to your bank.
Try the calculators first
Prefer to test your numbers in the browser? Try the 50/30/20 budget calculator, the sinking fund calculator or the emergency fund calculator. The starter file keeps the same ideas in one place.
Auf Deutsch
Der Gratis Monatsbudget-Starter enthält eine deutsche Datei mit gleichem Aufbau: Budget mit Plan gegen Ist und 50/30/20-Check, Spartöpfe und Notgroschen. Kostenlos über Payhip oder Gumroad; beide Shops fragen nach einer E-Mail-Adresse für den Download-Link.
An organizational template, not financial advice. Personal use for you and your household only.