Excel Budget Template for Australia

Download a free budget template Australian users can edit in Microsoft Excel. This workbook tracks income, household expenses, yearly totals, and cash flow across all 12 months.

Laptop displaying a personal budget spreadsheet in Excel with income and expense categories on a desk

The template is built for Australian households, with familiar categories and a simple structure that shows exactly where your money goes and whether you are ahead or short each month.

Download Excel budget template

Designed for Australian households

The budget template reflects how money works in Australia. It includes everyday categories like rent, groceries, petrol, and utilities, along with financial obligations such as super contributions, ATO payments, and child support.

The free spreadsheet is useful for people managing specific commitments, not just doing basic budgeting. Whether you’re tracking household costs, planning savings, or managing shared financial responsibilities, this budget tracker reflects the way expenses are typically organised in Australia.

Preview of the Excel budget template

The screenshots below show the actual workbook you will download.

Excel budget template overview with income and monthly columns

The main sheet shows income at the top with monthly columns from January to December in a simple Excel budget sheet format.

Excel budget template expense categories including home and daily living

Expenses are grouped into categories such as home and daily living, making it easy to enter and review spending.

Excel budget totals showing expenses and cash surplus or shortfall

The totals section shows total expenses and whether you are ahead or short each month.

What this budget template includes

  • Monthly budgeting from January to December
  • Income and expense tracking in one worksheet
  • Household categories such as rent, groceries, transport, and health
  • Yearly totals calculated automatically
  • Cash shortfall or surplus for each month

Budget categories included

  • Income (wages, benefits, other income)
  • Home costs (rent, mortgage, utilities, maintenance)
  • Daily living (groceries, child care, dining)
  • Transport and insurance
  • Health and subscriptions
  • Savings and financial obligations
  • Credit card payments and ATO payments

See the template in action

This short video uses the same budget template to show how you can work out your monthly savings using Goal Seek in Excel.

In the example, you set the cash balance to zero and let Excel calculate how much needs to go into long-term savings. You select the result cell, open Goal Seek, enter the target, and choose the savings cell to adjust. Excel then updates the input until the result is reached.

How to use the budget template

  1. Download the Excel workbook
  2. Enter your income for each month
  3. Enter your expenses by category
  4. Review totals and cash surplus or shortfall

File details

  • File type: Excel workbook (.xlsx)
  • Use with: Microsoft Excel
  • Layout: Monthly budget planner template
  • Region: Australia

Download the free Excel budget template