Project Budgeting Templates

Just added 3 new Project Budgeting Templates. One was created based on my gantt chart template and uses a WBS (work breakdown structure) layout. The others were based on the business budget template and personal budget spreadsheet. Hopefully, there will be something that can be used for nearly any project.

College Budget Template

This new College Budget template can help you create a yearly college budget, with expenses grouped by semester.

Business Start Up Costs

This new free business Start Up Costs template can help you estimate and track your expenses as you are starting a new small business. Estimating your startup costs should be a part of all good business plans.

Christmas Gift Budget

Even though it might not be time to go Christmas shopping, it is never a bad time to budget for the Holidays. This Christmas Gift Budget can help you keep track of not only Christmas gifts, but also other holiday spending as well (like food, Christmas cards, etc.).

Money Manager

I've announced the release of the Vertex42® Money Manager on my new blog.

See the post Introducing the New Vertex42 Money Management Template.

The new Vertex42 Blog will eventually make this one obsolete, but I'll continue to post new templates here for those that may be following this blog.

Yearly Budget Calculator

This new Yearly Budget Calculator is probably the most powerful budget spreadsheet I've created so far. It combines the family budget planner and the monthly budget into a single workbook, with everything on one worksheet to make it easy to customize the categories.

Profit and Loss Projection

This spreadsheet is a 3-year Profit and Loss projection. It is used to estimate your future income and business expenses to aid in business planning and budgeting.

Business Budgeting

The new Business Budget template provides two sample business budget spreadsheets for (1) service providers and (2) companies producing and selling goods.

Personal Budget

This Personal Budget Template let's you plan your budget for an entire year. My article How to Make a Budget explains how to use this budget template to keep track of expenses from month-to-month so that you can figure out an average for each expense category.

I use this type of budget spreadsheet because it lets me include annual or semi-annual payments during the specific months that they occur, as well as special times of the year like back-to-school shopping, Christmas, birthdays, etc. It's basically a personal 12-month projected cash flow and is very useful for planning for future large purchases or major events (like moving, marrying, kids, school, etc.)

Expense Tracking and Budget Tracking

Based on a request from a user, I created this expense tracker, which lets you record transactions and allocate the charges into specific expense categories which you define. Each category is a different column, and you can copy/insert new columns as needed without too much trouble. The template includes a budget tracking chart to compare your budget to how much has been spent so far in each category. This was originally designed to keep track of home remodeling projects, but has many other uses, as well.

4 New Budget Spreadsheets

We've added 4 new budget spreadsheets to Vertex42.com. Two of them are yearly budget planners and two are monthly budget worksheets.

Personal Budget - Yearly Planner
Family Budget - Yearly Planner
Monthly Budget - Family
Monthly Budget - Personal

Also, check out the article "How to Make a Budget" which explains how to use these spreadsheets to set up your initial budget. The follow-up article "How to Budget" explains 5 budgeting tips for how to stick to your plan.

Excel Checkbook Register Template

This checkbook template uses a formula for the balance that makes it very easy to add or remove transactions from the checkbook register. It also includes a column for recording an expense category. Although it doesn't let you include more than one category per row, you can split a transaction into multiple rows in order to specify different expense categories for a single transaction.

If you have multiple accounts, copy the checkbook worksheet and name the worksheet tabs "Savings", "Checking", "CrCard", etc.

Wedding Budget Template

We created a fairly comprehensive Wedding Budget Template that groups items into major categories. The workbook also has a weddin budget estimator worksheet in which you can specify an allowable budget and allocate the amount available to various categories by specifying the percentage to go to each category.

To go along with the budget worksheet, we created a printable Wedding Checklist that you can print out and mark off as you go.

Debt Reduction

This new Debt Reduction Calculator / Debt Snowball Calculator can be used to help plan how to pay off all of your credit card balances, auto loans, student loans, personal loans, consumer loans, etc.

You first list all of your debts, then choose a total monthly payment, and as you pay off your debts, the payment is rolled over to help pay for your next one.

You can choose from a few different strategies, such as debt snowball (lowest balance first) or highest-interest-first, or you can choose the exact order you want to pay off your debts.

The download page includes additional information on the different strategies.

Home Budget Template

I've been using Excel for managing my family budget for years, but only recently refined the spreadsheet to the point of making it something that could be shared with others. With the help of a visitor to my website, we created a budget template that can be downloaded for free. Also on the page, I include links to places for downloading printable budget worksheets in PDF format. Looking at the various worksheets can give you an idea of how you might want to customize your income and expense categories.