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Get the free budget

✨ Google Sheets + Excel · Instant download

Budgets that do the math so you don't have to.

Friendly spreadsheet templates that turn your numbers into a clear plan. Type in what you earn and spend, and the charts fill themselves in. No apps, no subscriptions, no bank logins.

Get the free 1-page budget Browse templates
  • Works in Google Sheets & Excel
  • Pay once, yours forever
  • Private: your data stays with you

Not sure where to start?

What do you want your money to do?

Stop wondering where my money goesMonthly Budget Spreadsheet →Pay off debt fasterDebt Payoff Tracker →Save for something bigSavings Goals Tracker →Plan a wedding budgetWedding Budget Planner Kit →
Free 1-page monthly budget template previewFREE

Free download

Start with our free 1-page monthly budget

Income, bills, spending and savings on a single page, with a chart that updates itself. It's yours free, along with a few short emails of our best budgeting tips. Unsubscribe anytime.

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The shop

Templates for every money goal

Hover a template to see it in action. Every file includes Google Sheets and Excel versions.

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Easy peasy

Up and running in 5 minutes

  1. 1

    Download

    Buy once on Etsy or direct and get an instant download: a quick-start PDF plus the Excel file.

  2. 2

    Make your copy

    Click the Google Sheets button to make your own copy, or open the Excel file. That's the whole setup.

  3. 3

    Fill the cream cells

    Enter your numbers. Dashboards, charts and totals update by themselves. High-five, panda-style.

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Why PlanfulPanda

Calm, clear money. No app required.

Budgeting apps want a monthly fee, your bank login and your attention. A good spreadsheet does the job better: it's yours forever, it's private, and you can see how every number is worked out.

🔒 PrivateNo bank connection, no account, no tracking.
💸 Pay onceNo subscription. Use it for years.
📊 Self-updatingDashboards and charts do the math.
🧭 GuidedA Start Here tab in every template.

Good questions

Frequently asked questions

Do I need Excel?

No. Every template works in Google Sheets, which is free with a Google account, and in Microsoft Excel 2016 or newer. You get both: an .xlsx file plus a link that makes your own Google Sheets copy in one click.

How do I get my file?

Right after you buy, Etsy or Payhip gives you an instant download. Inside is a quick-start PDF with your Google Sheets link, plus the Excel file. Nothing is shipped.

Do I have to know formulas?

No. You type your numbers into the cream input cells and the dashboards and charts update on their own. Every template opens on a Start Here tab.

Can I use it on my phone?

Yes. In the Google Sheets app you can log spending on the go. Setting up is easiest on a computer.

Is my data private?

Yes. Your copy lives in your own Google Drive or on your own computer. PlanfulPanda never sees what you enter, and there is no bank login.

Does it work in my currency?

Yes. The templates show $ by default but work for any currency.

Etsy or direct: which should I pick?

Same files either way. Etsy is easy if you already shop there, and our Etsy sales apply there. Buying direct through Payhip is usually a little cheaper and also gives an instant download.

What if something doesn't work?

Email hello@planfulpanda.com. If anything doesn't work as described, we'll fix it or make it right.

Ready to feel in control of your money?

Start free, or get every template in one kit.

Free 1-page budget Complete Money Kit: $24.49