Question 1

Are these budget templates free?

Accepted Answer

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.

Question 2

Which budget template should a beginner pick?

Accepted Answer

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.

Question 3

Is there a Nami Excel budget template I can download?

Accepted Answer

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.

Question 4

Can I use Nami as a Google Sheets budget template?

Accepted Answer

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.

Question 5

How is a zero-based budget different from 50/30/20?

Accepted Answer

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.

Question 6

Can my whole family use the family budget template?

Accepted Answer

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.

Question 7

Do these templates work outside India?

Accepted Answer

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.

Question 8

Can I customise the budget categories?

Accepted Answer

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.

Question 9

Is there a free budget spreadsheet template?

Accepted Answer

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.

Question 10

What's the best personal budget template?

Accepted Answer

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.

Question 11

How do I make a monthly budget in Excel?

Accepted Answer

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.

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

Six budget templates for every life stage.

Monthly Budget Template

50/30/20 Budget Template

Zero-Based Budget Template

Family Budget Template

Weekly Budget Template

Trip / Vacation Budget Template

Use Nami like a smarter Excel budget template.

Sheet-style layout

Export to .xlsx or CSV

Never goes stale

Static templates die in three weeks.

Live, not static

Auto-categorised

Goal-aware

Budget-related guides.

Budgeting Guide — the 50/30/20 rule

Audit your subscriptions

Save your first ₹1 lakh

Family Budgeting App

Expense Tracker App

Emergency Fund Calculator

Budget template FAQs