It also includes a column for plotting monthly personal expenses, along with available cash from savings and other sources. This way, you can estimate the amount you’ll need to get your new business off the ground. Smartsheet is a work management and automation platform that enables enterprises and teams to work better. Its pre-built personal budget template makes it even easier to create a budget, conduct monthly check-ins, and improve accountability. In this template, input your monthly budget and then track it against your monthly actual spent. With pre-set formulas in place, you will see your annual total, annual budget, and annual variance automatically calculated as you make changes to budget items. “If you’re interested in having money in your bank account at the end of the month, you might want to start thinking ahead.” The goal of a budget, they say, is to have a “fixed point to track your progress against.”. Use this spreadsheet to plot your current income against your expenses, and adjust your budget until it zeroes out. If so, you are probably sitting on a database of useful budget templates right now without even realizing it. Microsoft Office has a wide range of budgets for every need.