Use this basic business budgeting template to track monthly income and expenses for companies of any size. This template has separate sheets to create budgets for either services- or goods-based businesses. 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. Determining a business’ startup costs is critical to ensure enough cash is available to begin business operations on time and within the allotted budget. A startup budget usually covers the period leading up to the commencement of operations. Another site that relies on Excel spreadsheets, Vertex 42 includes a pair of sample budgets aimed at businesses that offer services or products. It features a worksheet that breaks down, month-by-month, both sales and expenses. Similar to the GLBL budget spreadsheet, the zero-based budget involves distributing your income to certain expense categories, so the balance equals zero at the end of each month. Whether you’re allocating money to living expenses (housing, car, groceries, etc.), to fun and entertainment, or to save for the future, a zero-based budget sheet will tell you where each dollar is going.