Many budgeting apps also offer the opportunity to personalize and fine-tune your budget, while still requiring less effort than using a spreadsheet or a worksheet. What’s more, moneyunder30 also encourages you to modify the sheet to match your own spending habits-this could mean changing and adding categories to better reflect your expenditures. The spreadsheet then calculates how much you have left at the end of the month.Ī great benefit of using a spreadsheet as opposed to a worksheet is how you can save it and update it regularly, so you always have an up-to-date picture of your monthly budget. After downloading it, you simply enter all of your income after tax and all of your expenditures. The free spreadsheet from is compatible with both Microsoft Excel and Google Docs.
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