Instead, here are nine completely free, simple-to-use budget templates and spreadsheets that are available to download right now. 1. Microsoft Excel Personal Monthly Budget Spreadsheet.

Templates include simple single-page monthly budget printables, or more specialized pages to create a comprehensive budget binder, including pages for: Debt tracking Savings tracking ...

We picked our favorite free budget spreadsheets, including tools from Microsoft and our own 50/30/20 worksheet. Find the best fit for your needs.

Using pen and paper, envelopes and spreadsheets are free, low-tech ways to budget. The best budgeting tool is one you'll use regularly to track expenses and plan for future spending.

Focus on managing your budget, not creating a spreadsheet to do so. For a great start, check out these best Excel budget templates for most any type of budget.

You can create your own budget spreadsheet or use an existing template, which gives you more flexibility to meet your personal needs. After a free 30-day trial, Tiller is $79 a year.

And if, for some reason, you didn’t budget exactly right, and the account has some money left in it, decide ahead of time where to move it so that the balance does return to $0.