Managing your money shouldn’t feel like a mystery. A monthly budget is your personal financial roadmap—turning vague goals into clear, actionable steps. But many people find budgeting overwhelming, from figuring out where to start to keep track consistently. Without the right tools, it’s easy to lose track of your income and expenses. So, how can you effortlessly create a clear, organized budget that actually works? In this article, you’ll find 10 free printable monthly budget templates you can download, customize, and start using today—plus a quick guide on how to edit them easily in WPS Office.
Part 1. What is a Budget Template?
A budget template is a pre-designed table or chart that helps you record, track, and plan your income and expenses. It gives you a clear snapshot of your financial situation and can be customized to suit your needs.
Why Do You Need a Budget Template?
Visual clarity: Easily see your income, spending, and savings in one place.
Financial discipline: Encourages mindful spending.
Goal tracking: Helps you save for short- and long-term goals.
Time-saving: No need to create layouts from scratch.
Part 2. 10 Printable Monthly Budget Templates [Excel]
Here are the 10 printable monthly budget templates.
Visualization Budget Target Achievement
The Visualization Budget Target Achievement template is perfect for tracking your financial goals immediately. With clear charts and progress visuals, it helps you instantly see whether you’re meeting, exceeding, or falling behind on your budget targets, making money management both simple and motivating. Download Now.
Financial Reception Budget Sheet
The Financial Reception Budget Sheet is a great tool for anyone who needs to keep track of funds received and how they align with planned expenses. From my own experience, it’s particularly useful for event planning or departmental budgets where multiple income streams need to be monitored. I recommend this template if you want a clear, organized view of both your budget targets and actual financial inflows. Download Now.
Budget Report Summary 1
The Budget Report Summary 1 template is perfect for getting a quick, big-picture view of your finances. I’ve used similar templates to present monthly budget performance to a team, and it really helps in identifying whether spending aligns with planned allocations. If you want a clean, professional layout that’s easy to update and share, this is a solid choice. Download Now.
Budget Expenditure Detail 1
The Budget Expenditure Detail 1 template is ideal for anyone who wants to track spending down to the smallest expense. I’ve found this type of detailed sheet extremely useful when trying to spot exactly where overspending happens. If you’re serious about staying on top of every transaction and making data-driven adjustments, this is the one to go for. Download Now.
5. Budget Indicator Management 1
The Budget Indicator Management 1 template is perfect for visually monitoring how well you’re sticking to your financial goals. I personally like using this kind of template when I want quick, color-coded insights into my budget performance without digging through rows of numbers. It’s a great choice if you prefer at-a-glance tracking to keep your finances on target. Download Now.
6. Expense Budget Approval Form
The Expense Budget Approval Form template is ideal for keeping financial requests organized and transparent. I’ve found this especially useful when working on team projects, as it ensures every expense is documented, approved, and within budget before spending. If you’re managing shared finances or business budgets, this template can save you a lot of back-and-forth communication. Download Now.
7. Simple Salary Budget Form
The Simple Salary Budget Form is perfect for tracking income and planning monthly expenses based on your salary. I’ve used similar templates to quickly break down fixed costs, savings, and discretionary spending—making it easier to stay on track without overcomplicating the process. If you prefer a clean, straightforward budgeting tool, this one is a great pick. Download Now.
8. Personal Monthly Budget
9. Monthly Budget Calendar
The Monthly Budget Calendar template combines budgeting with a visual calendar view, making it easy to plan and track expenses by date. I’ve found this style particularly useful when managing bills with specific due dates or scheduling savings goals throughout the month. If you prefer seeing your budget in a timeline format, this template can help you stay organized and avoid missed payments. Download Now.
10. Financial Monthly Budget Statement
The Financial Monthly Budget Statement template offers a clear overview of income, expenses, and balance in one place, making it easier to assess your financial health briefly. I like using this type of template when I need a monthly financial summary for both personal and small business use, it helps me quickly spot overspending and adjust for the next month. Download Now.
If you’re just starting out, I recommend the Personal Monthly Budget template for simplicity and then moving on to Visualization Budget Target Achievement once you’re ready for more detailed tracking. For amazing templates Download WPS template , they have every template that suits your needs.
Part 3. How to Edit a Monthly Budget Template in Excel?
Once you’ve downloaded your preferred template, the next step is making it your own. Fortunately, editing budget templates in WPS Spreadsheet is simple—even if you're not an Excel expert. Whether you're customizing categories, adding your monthly income, or tracking daily expenses, WPS gives you the flexibility to do it all with ease.
Here’s a quick step-by-step guide to help you personalize your budget template and make it work for your unique financial goals.
Steps to Edit in WPS Spreadsheet:
Open WPS Office and go to Spreadsheets.
Import the template you downloaded.
Customize column titles.
Enter your income and expenses.
Use formulas like =SUM() to auto-calculate totals.
Save as PDF for printing.
Generate an online link (WPS > Share > Generate Link) to share with family or colleagues.
Part 4. Free Office Suite(WPS Office): Design Stunning Templates
Why is the WPS Office Great for Budgeting?
Free to download and use.
Rich template store with thousands of ready-to-use designs.
Built-in Excel, Word, PDF, and Presentation tools.
AI-powered writing and editing assistance.
Secure and stable with online collaboration support.
Works across Windows, Mac, Android, and iOS.
FAQs
Are printable templates better than digital apps?
It depends on your style—printables are great for visual tracking without distractions.How do I start using a printable budget template?
Begin by writing your income and fixed expenses, then track your spending throughout the month.What’s the best way to track expenses with a printed template?
Keep it somewhere visible and update it regularly using receipts or a small notebook.Can I use these templates for both personal and business finances?
Yes—many are versatile enough for either use.Can I customize these templates on my phone?
Yes, WPS Office allows mobile editing, making it easy to update your budget anywhere.
