Whether you're venturing out on your own for the first time or just realizing you need to get your personal finances under control, one thing is certain - you need to budget. If you are trying to create a personal budget, a good place to start is from our 10 free personal budget spreadsheet templates.

Personally, I love Excel and get a kick out of building spreadsheets, but I don't think everyone is as interested in that as I am. But whether you like to create spreadsheets or just like to use them, we have a lot of good options for you!

About the spreadsheets

Each one of the sheets below are free and are designed to be used with Excel, but will work better if you use OpenOffice, a free version of Microsoft Office. Some may also work with Google Docs.

Each of the budgeting sheets below have their own strengths and weaknesses, so give them a try and see what works best for you.

A point to note: if you are just getting started budgeting, I suggest reading this article first: That Realistic Budget. Once you are finished, come back to this article and you can download one of these sheets.

Okey, lets get started, here are all the personal budgeting templates listed in no particular order.

1. Personal budgeting spreadsheet

This is a good and simple budget spreadsheet where the user simply enters' each purchase and its details in order to get full and accurate tracking of their daily expenses.

Click here to download budget_neil (1)

2. Household budget template

This spreadsheet is more ideal for those who want to check if they have stuck to their budget. It allows you to put in each item you purchase in its respective item’s category then it would automatically add up and compare the total amount spent with the amount budgeted.

Click here to downloadHousehold budget template

3. Personal Budget monthly spreadsheet

This one is most ideal when you are trying to add up your income and expenses and it gives you the difference between the two.

Click here to downloadpersonal-monthly-budget

4. Family Budget planner

This one allows you to look at the whole year’s expenses and income with each month being a column in the sheet.

Click here to downloadfamily-budget-planner

5. Wedding Budget Template

This sheet provides suggestions on how much you should spend on each item in a wedding and the same time helps you think of expenses you might not have thought of.

Click here to downloadwedding-budget

6. GLBL Budget Spreadsheet

As simple as it may look it is different than most because it works by pay period, rather than by month and each expense is calculated on a separate sheet.

Click here to downloadglbl-budget-template_v1_1

7. Personal Budget Worksheet

A famous old Microsoft budgeting template. It is very simple, but has proven to be helpful with the 2,000,000+ downloads. I like this one because all it does is provides a sheet to add up your expenses and your income showing the difference.

Click here to downloadPersonal Budget

From personal experience, I can assure you that you won’t get it right the first month. It’s okay, just keep making adjustments and it will get better and easier each month. Budgeting of some sort is critical if you want to master your finances or get out of debt.