Free household budget template (Excel & PDF)
Write down what goes out – and see where your money ends up. No bank access, no cloud, no data sharing: the numbers stay in the file, on your device. Simple, sober, honest.
What’s inside the free budget template?
The template is a complete household budget book you can start using right away – free, no email, no sign-up. You get it in two formats: as an Excel file (.xlsx) with automatic calculations, and as an A4 PDF to print if you prefer keeping your books on paper. Inside are three sheets: brief instructions, an entry list for all income and expenses, and an overview that totals income, expenses and balance automatically – with ready-made categories like housing, groceries or transport. Note: the file itself is in German.
It’s made for anyone who wants to see their spending in black and white for the first time – alone, as a couple or as a family. How to use it: download the file, enter every income and expense as one row and pick a category – the Excel overview calculates automatically; on paper you simply add up at the end of the month. Track everything for two months straight – only then will you see an honest picture. You’ll find more practical know-how on our DeepDive blog – and if spreadsheets ever get tedious, there’s huusbook as an app: free, manual, and without bank access.
Excel & PDF · free · no email needed · in German · Excel also works in Numbers & Google Sheets
Overview · your month
What’s inside
Instructions
A short guide to get you started – with an honest tip on how to actually stick with it.
Entries
One row per income or expense: date, type, category from a dropdown, amount, note. Done.
Overview
Calculates automatically: income, expenses, balance and every category at a glance.
A tip from experience
It’s not about perfection. A rough overview you actually keep up beats the perfect system that ends up in a drawer after three weeks. Track absolutely everything for two months straight – only then will you see an honest picture.
Typing into spreadsheets gets tedious eventually.
huusbook does exactly what the template does – just in seconds instead of minutes: expenses logged quickly, categories automatic, contracts and budgets included. On iPhone, iPad and Mac, free and without registration.