This template includes two sections: on one side you will list all of your income for the month, while the other side is for your outgoing expenses. Once each side is complete, you will be able to see whether the difference in your income and outgo is zero and, if not, adjust accordingly. 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. 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. Include everything from housing costs to insurance premiums to recreational spending. For variable expenses, such as utility bills, calculate your monthly average. This worksheet is a variant of the above business budget, with sales and business expenses broken down by month. This is helpful for budgeting quarterly expenses and other business expenses that occur at specific times of the year. Below is a worksheet that attempts to list possible sources of monthly income as well as expenses. As everyone's financial situation is different, you may find that not every category is applicable to your income or spending.