monthly budget template

Plan what is available, compare planned and actual spending, and make room for costs that do not arrive every month.

Use this template free Free, no account, opens in your browser.

Main focusmonthly budget templateBranchMoney availableThoughtPlan vs actualBranchSpending at a glanceThoughtMonth-end check-in

Built from the same cards and connections you edit inside HeadTidy.

What’s included

One editable table with automatic planned and actual totals
A donut chart linked to the planned-spending column
Prompts for irregular costs, one money move and a calm monthly review

Compare the plan with what actually happened

The spending table keeps planned and actual amounts side by side and totals both currency columns automatically. Start with broad areas rather than every receipt. The difference between the two totals tells you where to look; the rows explain why.

Make irregular costs part of the plan

Birthdays, repairs and annual fees are not failures just because they do not appear every month. Put them on the map before they arrive, decide what to set aside, and keep that choice beside the rest of the month.

Worked example

If the planned total is €2,300 but the actual total reaches €2,450, the table shows the gap and the linked chart shows which planned area was already carrying most of the month. The check-in then asks what changed and what to do differently next month.

How to use this template

Start
Enter the money genuinely available this month.
Sort
Give each spending area a plan, then add actuals once a week.
Move
Choose one money move and carry one lesson into next month.