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6 templates · Free · Live

Free Budget Templates — Excel, Google Sheets & spreadsheets that update themselves.

Monthly, personal, 50/30/20, zero-based, family, weekly, and trip budget templates — pick one, plug in your income, and Nami tracks against it as you spend. Export to Excel or Google Sheets any time. Free, no download required to start.

Start Budgeting FreeTry the Planner
Pick a template

Six budget templates for every life stage.

Each template comes with starter buckets, sensible percentage splits, and example categories. Customize anything.

Anyone on a salary

Monthly Budget Template

The classic monthly plan: salary in, expenses out, savings what's left. Best starting point if you've never budgeted before.

Fixed bills

Rent, EMIs, insurance

~40%

Variable spend

Groceries, transport, dining

~35%

Savings & investments

SIPs, emergency fund

~20%

Buffer

For surprises

~5%

Best for: Your first 90 days of conscious spending.

Use this template
Salaried professionals

50/30/20 Budget Template

The popular Senator Warren rule — 50% needs, 30% wants, 20% savings. Simple math, powerful behavioural anchor.

Needs

Rent, EMI, groceries, utilities

50%

Wants

Dining, OTT, travel, shopping

30%

Savings

SIP, EF, debt prepayment

20%

Best for: Anyone whose take-home is steady month to month.

Use this template
Detail-oriented planners

Zero-Based Budget Template

Every rupee gets a job. Income minus assignments equals zero — there's no 'unallocated' bucket. Strictest, most effective.

Essentials

Each bill named, each amount fixed

Assigned

Lifestyle

Dining cap, entertainment cap

Assigned

Goals

Each SIP, each saving target

Assigned

Sinking funds

Annual insurance, festival, repairs

Assigned

Best for: When the 50/30/20 feels too vague and you want full control.

Use this template
Couples & joint households

Family Budget Template

A shared household budget split by category and tagged by member, so it's clear who paid for what and where the family money goes.

Shared bills

Rent, electricity, internet

Auto-split

Family essentials

Groceries, school, transport

Auto-split

Personal allowances

Each person's discretionary cap

Per member

Family goals

Vacation, school admission, EF

Auto-split

Best for: Two or more people sharing money decisions.

Use this template
Cash-flow tight households

Weekly Budget Template

Plan one week at a time. Useful when income arrives weekly or biweekly, or when you need short-cycle visibility.

This week's fixed

Bills due this week

—

Groceries & transport

7-day floor

—

Discretionary

Weekly cap

—

Roll into savings

Sunday transfer

—

Best for: Gig workers, freelancers, and anyone on weekly paycheques.

Use this template
Travellers & groups

Trip / Vacation Budget Template

Plan a one-off trip with categories that match how holidays actually unfold — book, get there, stay, eat, do, bring back.

Transport

Flights, trains, taxis

~30%

Stay

Hotel, Airbnb, hostel

~30%

Food

Meals, snacks, drinks

~20%

Activities & misc

Tickets, gifts, surprises

~20%

Best for: Planning a holiday — solo or split with friends.

Use this template
Prefer Excel or Google Sheets?

Use Nami like a smarter Excel budget template.

Excel and Google Sheets budget templates work great for the first three weeks — then someone forgets to log a transaction and the whole thing rots. Nami gives you the same row-and-column structure, plus auto-capture from SMS, bills, and bank statements so the sheet never goes stale.

Sheet-style layout

Rows for categories, columns for months, totals at the bottom — the layout an Excel user already knows, just live.

Export to .xlsx or CSV

Any budget or transaction range exports to CSV that opens cleanly in Excel, Google Sheets, or Numbers — for taxes, your CA, or your own analysis.

Never goes stale

The number-one reason Excel budget templates fail is human upkeep. Nami auto-fills the cells from your real spending so the template stays accurate without daily data entry.

Coming from a spreadsheet? Open Nami, pick the template that matches your current sheet (monthly, 50/30/20, zero-based, family), and import your recent bank statement — Nami will categorise the rows and back-fill three months of history in seconds. No manual re-entry.

Why live templates win

Static templates die in three weeks.

Live, not static

Most budget templates are PDFs or Google Sheets that go stale by week two. Nami's templates are live — every expense you log updates the buckets in real time.

Auto-categorised

When you scan a bill, import a bank statement, or log an SMS spend, Nami slots the amount into the right template bucket. You set the budget once.

Goal-aware

Saving towards an emergency fund or a vacation? The template tracks contributions against the goal, not just dollars in/out.

Keep reading

Budget-related guides.

Budgeting Guide — the 50/30/20 rule

How to allocate a salary across Needs, Wants, and Savings without overthinking.

Open

Audit your subscriptions

Find and kill the silent ₹3,000/month bleed before the next billing cycle.

Open

Save your first ₹1 lakh

A 12-month plan with template-friendly numbers anyone can hit.

Open

Family Budgeting App

Run the family budget template with your spouse, parents, or kids.

Open

Expense Tracker App

Five capture methods so the template buckets actually fill themselves.

Open

Emergency Fund Calculator

Right-size the savings bucket in the template for your life stage.

Open
FAQ

Budget template FAQs

Yes — every template is free and ready to use inside Nami. There's no PDF to download or spreadsheet to maintain. Pick a template, set your income and category caps, and Nami tracks the rest.
Start with the 50/30/20 template. It's the simplest mental model — 50% on needs, 30% on wants, 20% on savings — and it forgives small errors. Once you've used it for two months, move to monthly or zero-based for finer control.
Not as a static .xlsx file — and that's deliberate. Excel budget templates fail because nobody keeps them updated past week three. Instead, use Nami's live templates inside the app (same row-and-column layout, same percentage splits as a spreadsheet) and export the data to CSV any time you want to open it in Excel for taxes or analysis.
Yes — same workflow as Excel. Use the live templates in Nami, then export to CSV (Settings → Export) and import into Google Sheets in two clicks. Most users find they stop opening Sheets entirely after a month because Nami's monthly view and budget alerts replace what they used the sheet for.
50/30/20 splits your income by share — 50% to needs, etc. Zero-based assigns every rupee to a specific line item until income minus assignments equals zero. Zero-based is stricter and catches lifestyle creep faster; 50/30/20 is easier to maintain.
Yes. Create a family group in Nami, invite members, and the family budget template becomes a shared view — everyone sees the same buckets, and contributions are tagged by member.
Yes. The buckets, percentages, and math are universal — the templates work in any currency. Only the example categories (EMI, SIP, lakhs) are Indian-flavoured; rename them to fit your country and the templates work identically.
Yes. Every template comes with starter categories, and you can rename, add, or delete any of them. Nami remembers your categorisation choices over time and gets smarter.
Yes. Every Nami budget template is essentially a free budget spreadsheet — the same row-and-column layout you'd build in Excel or Google Sheets, but live and auto-tracking. You don't have to download anything to start; if you ever need a static file for taxes or sharing, Settings → Export gives you CSV that opens cleanly in Excel or Google Sheets.
For most people, the 50/30/20 personal budget template is the best starting point. It's the easiest to maintain and works on any income. Move to the monthly budget template once you want category-level caps, and to zero-based when you want every rupee assigned a purpose. All three are free in Nami.
List your monthly take-home income in row 1, then list expense categories with budgeted vs actual columns. Add a total row with =SUM() and a savings row of income minus expenses. Or skip the manual setup — Nami's monthly budget template gives you the same structure already built, with the math automated and live spending tracked against it.

Take control of your finances — starting now.

Track every rupee with surgical precision. Built for individuals, families, and creators who demand clarity over chaos.

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