I got tired of "free" budget templates that are really a lead magnet behind an email wall, or a locked .xlsx that breaks when you insert a row. So I published 42 plain CSV files you can open in Google Sheets, Excel, Numbers, or LibreOffice — no macros, no sign-up.
What's in the pack
- Weekly, paycheck, and zero-based budgets
- Bill tracker, debt payoff (snowball/avalanche), student-loan payoff
- Emergency fund + sinking funds + 52-week challenge
- Net worth, 401(k) contribution tracker, portfolio rebalancing
- Home inventory, Christmas/Thanksgiving budgets, and more
Every file has column headers and a few example rows. Matching how-to pages (formulas + FAQ) live here:
https://smartbudgetsheets.surge.sh/?utm_source=devto
Why CSV
Bank exports are CSV. Every spreadsheet reads CSV. A locked workbook looks fancy until you need one extra category.
License
CC BY 4.0 — use them, fork them, share them. Example numbers are illustrative only, not financial advice.
Download
- Site templates hub / individual guides: https://smartbudgetsheets.surge.sh/?utm_source=devto
- Full zip of all 42 CSVs: https://smartbudgetsheets.surge.sh/downloads/free-budget-spreadsheet-templates.zip?utm_source=devto
If you want a specific template next (UK council-tax style, biweekly paycheck US, side-hustle P&L), say so in the comments.
— Smart Budget Sheets
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