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Budget spreadsheet template

Planned against actual, month by month, already built.

Household budget · 2026October

Examples

Four budgets, four kinds of money. Every total is a formula.

Household budget · 2026
D2fx=B2-C2
A
B
C
D
E
F
G
H
I
J
K
L
M
1
Category
Planned
Actual
Variance
Used
2
Rent
$1,850
$1,850
$0
100%
3
Childcare
$900
$1,040
-$140
116%
4
Groceries
$650
$612
$38
94%
5
Utilities
$220
$236
-$16
107%
6
Transport
$300
$254
$46
85%
7
Dining out
$250
$198
$52
79%
8
Subscriptions
$60
$74
-$14
123%
9
Savings
$800
$800
$0
100%
10
Total
$5,030
$5,064
-$34
101%
11
12
Planned vs actual, October
PlannedActualOver
ChildcareGroceriesUtilitiesTransportDiningSavings
+

Planned against actual for a two-income home, the overspend flagged while there is month left.

How it works

  1. Pick a budget type

    Personal monthly, household, freelance income, startup runway or department spend. Each starts with categories that fit how that money actually moves.

  2. Bring in your numbers

    Type them, or import a bank or card CSV. EverAsk proposes a category for each transaction and you correct the ones it got wrong, it remembers your corrections.

  3. Watch the variance

    Planned against actual, per category and per month, with the overspend highlighted. Charts and the annual rollup update as you enter.

Features

Who it’s for

  • Household budget · 2026October
    Shared with Sam
    Both editing · formulas locked

    Household budgeting

    Two incomes, shared bills and a savings goal in one sheet both people can open without breaking each other's formulas.

  • Household budget · 2026Freelance
    Tax set aside
    $6,975 since June

    Freelance and irregular income

    Budget against a variable month, with tax set-aside calculated as a percentage of what actually came in.

  • Household budget · 2026Marketing FY26
    Variance view exported
    Tools over plan by $1,250

    Small business and departments

    Track spend against an annual plan by category and owner, and export the variance view for a monthly review.

Frequently asked questions

Is the budget template free?

Yes. Build a budget, import transactions and export it on the free plan. Paid plans add multi-user sharing and unlimited saved budgets.

Can I import my bank statement?

Yes. Upload a CSV export from your bank or card, and EverAsk maps the columns and suggests a category per transaction for you to confirm.

Does it work for business as well as personal?

Both. Choose a business budget and you get categories for payroll, software, contractors and marketing, plus a runway view.

Can I export to Excel or Google Sheets?

Yes, export to .xlsx or CSV with formulas intact, so the file keeps working outside EverAsk.

Will adding a category break the totals?

No. Rollups are structural rather than hard-coded ranges, so new rows and categories are picked up by the totals and the charts automatically.

One prompt in.
Real work out.

Planned against actual, month by month, already built.

Open the budget templateSee pricing

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