Your Budget, Your Plan

Resources for Budgeting in a Spreadsheet

A budget is simply a plan to help you understand income and expenses.

It shows what you can afford to spend and save. It helps you plan for the future, and helps you better understand how to reach your financial goals.

There’s no wrong way to budget, as long as you’re tracking your spending versus income while accounting for where every dollar goes. 

“As for the future, your task is not to foresee it, but to enable it.”

Apps can be useful when you start budgeting. 

But many people quickly grow out of apps when they want more flexibility, insight and control of their budget.

That’s because spreadsheets bring together a number of features not found in any single app. 

Spreadsheets remain the most popular tool for making a budget.

Perhaps surprisingly, modern cloud-based spreadsheets like Google Sheets and Excel are an increasingly popular option for budgeting. (Here at Tiller, our largest customer cohort is younger than 34.)

 Survey: What tool do you use to manage your budget?

Most Popular Budgeting Tool

Why are spreadsheets the most powerful and flexible tool for making and maintaining a budget?

The people most engaged with their finances prefer to budget in a spreadsheet, because of their flexibility, simplicity, ease of collaboration, limitless customization, and control.

In a recent Tiller survey, 8 out of 10 people who switched from a personal finance app to a spreadsheet said they felt more in control, kept better track of spending, and enjoyed more flexible reporting.

1 %
More Control

89% say they feel more control over how they spend their money.

1 %
More Aware

92% said that they’re more aware of spending their money.

1 %
More Flexible

81% said that switching gave them more customizable reporting.

Spreadsheets Pick Up Where Apps Leave Off

Top Reasons People Prefer to Budget With a Spreadsheet

Simple to start, can scale as needed over time.

Total control of spending and income categories.

Easy to connect to other templates and tools.

Calculations can be made directly in the spreadsheet.

Cloud-based spreadsheets are very easy to share.

1000's of templates & add-ons to extend functionality.

Flexibility to set up your own budget and workflow.

Use built-in or custom reports, charts, and tables.

Easily mix and manipulate data from several sources.

Budgeting in a Spreadsheet Insights from Tiller

Articles and Resources to Help You Budget in a Spreadsheet​

Tiller automates spreadsheets by feeding daily account data from 18,000 banks, credit cards and other sources directly into Google Sheets and Excel. How Tiller Works →

Over the past couple of years, we’ve written hundreds of articles about budgeting in Google Sheets. Now we’ve started writing tips for budgeting in Excel. 

The following articles will help you budget in a spreadsheet. 

How to Think About Budgeting​​​

Budgeting Core Concepts​​​

How to Win at Budgeting

At first, budgeting seems scary, like it’s taking away your freedom. In reality, the reverse is true. Better yet, it’s surprisingly simple to make budgeting work for you. →

How Budgeting Leads to Greater Financial Freedom

Budgeting can free you from stress, confusion, and uncertainty about your money situation and how a life change might affect it. →

3 Steps to Get Started With Any Personal Budget Program

Whether you’re new to budgeting or have been doing it for years, three quick steps will guide your budgeting program toward success. →

Popular Budgeting Systems

Budgeting Methods​

Why There Is No “Right” Way to Budget

Think you might be doing things “wrong” with your budgeting? Here’s why you’re probably getting more right than you think. →

Is Zero-Sum Budgeting the Right Money Solution for You?

Zero-sum budgeting means every dollar of income you bring in is accounted for. When you’re done budgeting, you have no money left over.​ →

A Primer on Envelope Budgeting in Google Sheets

Put a set amount of cash inside each envelope each paycheck. Only spend from those envelopes. You always know what's left. →

Google Spreadsheet Budget Skills

Tips for Budgeting in Google Sheets​

How to Make a Budget in Google Sheets (Step by Step)

Create your own free Google Sheet budget template in less than an hour. You’ll learn more about your money and how you think about it. →

Budgeting With Google Sheets: 18 Simple, Yet Incredibly Effective Tips

Budgeting with Google Sheets provides nearly unlimited flexibility and customization for how you want to manage your money. →

Learn Google Sheets: 7 Free Resources for Beginners

Learn Google Sheets with these free courses, ebooks, videos, and Google Chrome extensions. →

How to Collaborate With Your Spreadsheet

Sharing Your Budget

How To Use A Spreadsheet To Manage Shared Expenses

See how people are using a spreadsheet to manage shared expenses with Tiller and Google Sheets, the most collaborative money management tool. →

3 Awesome Google Sheets Collaboration Features

Google Sheets makes collaboration inherently easy. These three quick tricks will enhance working with others. →

How to Make a Budget With Someone You Can’t Stand

Budgeting with someone you can’t stand is all about knowing when and how to compromise. Here are some of the most common situations and how to handle them. →

Seeing is Believing 

Google Sheet Visualizations, Charts, Reports, and Tables

Add a Spending Pie Chart to Your Budget Spreadsheet

Add a little color to your budget spreadsheet. This quick tutorial walks you through adding a spending pie chart to a Google Sheet. →

Customize Your Household Budget With A Monthly Spending By Group Table

Want to review spending across groups for previous months? You can easily add a customized view of your spending in a simple steps. →

How to Track Daily Average Spending Trends in Google Sheets

Tiller Money has created quick way for you visualize your average daily spending trends in a “Spending Trends” Google Sheet. →

Spreadsheet Tips and Tricks

Do More With Your Tiller Budget Spreadsheet

5 Essential Google Sheets Formulas for Budgeting and Personal Finance

You only need to know a few Google Sheets formulas for budgeting and personal finance to transform your spreadsheets into the ultimate tool for managing money. →

Using Tiller’s Financial Spreadsheets for Tax Preparation

Spreadsheets are a powerful and flexible tool that can help you with tax preparation. Here we share a few tips and tricks for getting it all organized. →

Email A Daily Budget Sheet Summary Using Google Scripts

Get a quick summary of the transactions that need to be categorized and your progress on your budget in your inbox every day. →

Spreadsheet Tips and Tricks

Working with Other Tools​

25+ Best Free Excel Budget Templates

Top recommended free Excel budget templates for personal, household, monthly, yearly planning. Bonus Microsoft spreadsheets for weddings and special occasions. →

Ultimate Budget Automation: Replacing Mint with Tiller

A thoughtful independent comparison and review of Tiller Money vs Mint from the Financial Independence forum on Reddit. →

Get Your YNAB Budget Into An Automated Google Sheet

Looking for a YNAB alternative? Check out these easy steps for getting your YNAB budget into one of Tiller’s automated finance. →

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