Household Budget Planner (US) | Monthly & Yearly Budget, Sinking Funds, Bills, Excel

Money in, money out, what's left, month by month and for the whole year: one Excel workbook that does the math and tells you what to look at, with a 20-page guide to use it.

The Household Budget Planner (US) is a budget spreadsheet in dollars, with no macros, for Excel 2016 or later. It arrives filled with a fictitious household (Jordan, working, and Sam, a student with a part-time job, one child, homeowners with a mortgage) so you can see every calculation before you type your own numbers.

What you get

• Household-Budget-Planner-US.xlsx – 16 tabs, native formulas only:
  • Start Here: the 6-step start, color key, what the workbook does not do.
  • Dashboard: the year in 18 numbers, 15 calculated checks with what to do, your 5 biggest categories, 2 native charts.
  • Profile: your profile and a second adult's, housing, car, alert thresholds, the tabs that matter for you and official rights and tools to check (links).
  • Income: every take-home source with real paydays (weekly, every 2 weeks, twice a month, monthly): the 3-paycheck months show up where they land; irregular income is smoothed.
  • Monthly Budget: 12 months of planned (calculated) and actual (typed) spending by category, fixed bills, left after fixed bills, balance, savings rate.
  • Sinking Funds: registration, holidays, tires, vacation, back to school… what to set aside each month, status, 12-month calendar and the balance of your pot.
  • Bills & Subscriptions: yearly cost, commitment end, renewals, "Do I use it?", your decision and the saving it brings.
  • Groceries: unit price checker in cents per ounce, weekly list, receipts (they make the actual Groceries line), simple meal plan.
  • Utilities: meter readings, yearly estimate with your own rates, catch-up or credit vs budget billing.
  • Car: real cost per year, per month and per mile for one or two cars.
  • Debts: balance, APR, interest this month, months to pay off, payoff date, interest left; payments as a share of take-home pay (information only).
  • Savings & Goals: emergency fund in months of spending (your setting), a simple tracker of your accounts, goals with the monthly amount they need.
  • Taxes & Escrow: withholding per paycheck, the refund or amount due you expect, escrow shortage or surplus (amounts you type).
  • My Inflation: your own basket priced twice and your top price rises.
  • References and Lists: the dated official figures the formulas read, with their source, and the drop-down lists.
• Household-Budget-Planner-Guide-US.pdf – 20 Letter pages: how to use each tab with real screenshots, the 3-paycheck months, a yearly calendar, 6 fictitious mini budgets (one per profile), 22 money-saving ideas backed by dated sources or shown as common sense, free public help and official links.

Calculated, not declared

The planned amount of every month (bills, debts and sinking funds linked), what is left after fixed bills, the balance and savings rate, the monthly amount for each sinking fund and the pot balance, the yearly cost of your bills and the saving of your decisions, unit prices, the utility catch-up ahead, the car's cost per mile, payoff dates, the escrow gap, your personal inflation and 15 checks. In the example, two unused subscriptions add up to $371.76 a year: a calculation on fictitious data, not a promise.

What it does not do

• No bank connection: you type your numbers, nothing leaves your computer.
• No personal advice: it organizes and calculates, you decide.
• No tax or benefit calculation: it links to the official tools (IRS Tax Withholding Estimator, USA.gov Benefit finder).
• No recommendation of any investment, financial product or provider.
• No state figures (property tax, state minimum wage, utility rates): you type yours. Official figures are dated October 18, 2026 and do not update themselves.

Quality

No macros, no add-ins. Built in Excel with functions that Google Sheets also supports (no macros, no XLOOKUP, LET, LAMBDA or dynamic arrays). If you import it into Google Sheets, check charts, colors and drop-down lists after import. Drop-down lists, frozen panes, conditional formatting, print areas. Recalculated in Excel with 0 formula errors and checked against an independent calculation of the sample data.

Personal use for your own household · resale and redistribution prohibited