If you want a template that does all the math for you, Google Sheets offers annual and monthly budget templates. You can also find tons of third-party templates you can customize in Google Sheets.

Google Sheets can't be overlooked when it comes to budgeting. It's customizable, free, and available to everyone. Learn what ...

Free Google Sheets template. Create on your own in seconds. Beginner-friendly and highly customizable. Calculate and track budget for each month and category. Automatically calculate average spending.