Money

Six Highly Rated Budget Spreadsheets on Gumroad

Annual and monthly budget templates for Google Sheets and Excel, a free planner, and two guide-plus-spreadsheet bundles, each with published buyer ratings.

MoneyOctober 4, 2026 · 4 min read
Disclosure: This page contains affiliate links. If you buy through them, MoneyWithJJ earns a commission at no extra cost to you. Prices and ratings below were read from each Gumroad listing on October 6, 2026 and may have changed since.

A budget spreadsheet is one of the simplest ways to see where money goes each month. The six products below are all Gumroad listings that include a budget spreadsheet, and each one has published buyer ratings.

Each entry shows the seller, the current price and the buyer rating exactly as they appear on Gumroad, together with a plain description of what the product contains, which software it needs where the seller states it, and the main conditions stated on its listing, such as licence terms or refund windows.

Ordered by number of buyer ratings on Gumroad.

1
Most reviewed

The Financial Freedom Playbook 2.0

by Financially Savvy

A step-by-step personal finance playbook paired with a spreadsheet whose numbered tabs follow the book: a monthly plan-versus-actual budget, yearly expenses, retirement planning, savings and investments, assets, debt, net worth and side-income tracking. It is a larger guide rather than a standalone template, and a Premium tier with a video course is sold as an upgrade.

From GBP 97
★5.0 · 84 ratings
View on Gumroad
2
One-time purchase

Ultimate Annual Budget Spreadsheet ✿ Purple

by Pawfect Plan

A full-year Google Sheets budget with monthly budget tabs, a transactions tab, an annual dashboard, a payment calendar, bills and subscriptions, sinking funds, a debt snowball tracker and a net worth tracker. Pets on the sheet, sold in cat, dog or rabbit versions, grow as money is earned and spent and become sad when spending runs over. The seller says it is optimised for desktop but can be opened on mobile, and future updates are included.

$21+
★5.0 · 66 ratings
View on Gumroad
3
One-time purchase

Budget Spreadsheet 2026

by Juliana - Finance Templates

A personal budget delivered as an Excel file with formulas already set up: enter income and expenses, and the charts and summaries update automatically. It is licensed for personal use only; the seller states that resale, distribution and commercial use of the file are not permitted, and offers a seven-day money-back guarantee.

From $2.99
★5.0 · 57 ratings
View on Gumroad
4
Free

Ultimate spreadsheet Budget Planner – Track & Manage Your Finances (FREE FOR LIMITED TIME)

by Skillify

A Google Sheets budget planner covering cash flow, income and expense categories, bill due dates, savings goals and simple ratios such as savings-to-income. Transactions are entered once and the summary tables update automatically. The listing says it is free for a limited time, so the price may change.

Free (pay what you want)
★4.8 · 48 ratings
View on Gumroad
5
One-time purchase

Monthly Budget Spreadsheet ✿ Green

by Pawfect Plan

A monthly pet-themed Google Sheets budget from the same seller, built on the same Raising Pets concept, with a monthly budget tab, a payment calendar, a subscriptions tab and a read-me guide with sample data. It suits buyers who want a single month they can reuse rather than a full annual workbook. Future updates are included.

$9+
★4.8 · 25 ratings
View on Gumroad
6
One-time purchase

Hipster Budget Guide

by Hipster Finance 📈💵🤓

A budgeting bundle built around an ebook with an audio version, plus a budget spreadsheet, a net worth tracker, a "Lazy Budget" for anyone who wants to skip the rest, a list of 50+ ways to save money and a "Find Your WHY" packet the seller says gives the reason to keep going. Buyers also get one direct-message consultation with the author. The seller offers a 30-day money-back guarantee, claimed by emailing the seller or sending a direct message on Twitter with an explanation of why the buyer is unhappy.

$50
★5.0 · 21 ratings
View on Gumroad

Choosing the Right Template

For the four standalone templates, the practical difference is the software. The Pawfect Plan and Skillify templates run in Google Sheets, while the Juliana template is an Excel file. Neither bundle's listing names the spreadsheet program its file is built for. Buyers should pick the format they already use day to day.

The two bundles suit buyers who want instruction alongside the spreadsheet. Anyone who only needs a place to record income and spending will find a standalone template simpler to set up and maintain.

Browse More Budget Spreadsheets

The link below opens a Gumroad Discover search for budget spreadsheets.

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