How to Set Up a Personal Budget Worksheet?





 Keeping personal financial control is the key to getting your finances up to date. Managing what goes into and out of your checking account and spending on credit cards is much easier with the help of a personal budget worksheet. With this tool, you can know not only how much was spent, but where you spent that amount, and you can plan the next month’s entries and exits and not risk spending more than you should. Here’s how to put together a personal budget worksheet:

Start with the recipes

Start with the recipes

There are those who prefer the good old notebook but creating your own personal budget worksheet in a program like Microsoft Excel or Google Sheets will certainly keep your financial information more organized. Start with your income: the first to be discriminated are fixed, such as salary, rental of property, pension, etc. Then, variable income enters, such as extra income, 13th salary and restitution of Income Tax. The total income will be the total family income.

Enter the expenses


After the revenue, it’s time to enter the expenses. Your spreadsheet should contain all your fixed expenses in different categories such as Housing, Health, Transportation, Personal Expenses, Education and Leisure. Then create a section for variable or temporary expenses such as repairs, gifts, holiday travel, etc.

Reserve an investment area

Reserve an investment area

Your spreadsheet should also reserve space for investments: the amount you save for the savings account, the amount you put into shares, etc.

Create a space for the following months

Create a space for the following months

Ideally, your personal budget worksheet has the 12 months of the year, so you can already plan how much you could or would like to spend on each of them. In this sense, it is important to be careful to record in the document all the installments you make.

Examples of personal budget worksheets



Currently, there are several options ready to control spending available on the internet and in the cell phone, which facilitates the life of the consumer. Check out some of them:

Captain Vere

Online and automated, Captain Vere automatically imports your transactions directly from accounts and credit cards. It is tailored for those who do not want to have to record expense by expense, but want to have a complete view of their finances and know with a click where their higher expenses are. The application also allows the manual editing of the worksheet, that is, the user to write down the expenses and revenues.


The National Institute of Consumer Protection worksheet is ideal for anyone who is accustomed to keeping track of expenses in a notebook and wants to migrate to the computer. Easy to use, comes with all the necessary instructions to get the most out of the tool.

Microsoft Office

Microsoft Office itself offers some personal budget worksheet templates. It is a good option for those who are already users of the program, but do not want to start your document from scratch.

BM & F Bovespa

Simple and intuitive, the São Paulo Stock Exchange spreadsheet is ideal for anyone looking for a more basic tool. In it, there is an exclusive area for investments.