No-Budget Budget Planner (Google Sheets & Excel Template)
 
The No-Budget Budget Planner is for those individuals who either hate budgeting or are tired of complicated budgets that feel like a chore. This simple budget template brings a hassle-free way to manage your finances without tracking every single financial move.
 
The no-budget budgeting style helps you manage your money in the simplest way possible — no category limits, no micromanaging, and no guilt.
 
Instead of budgeting every dollar, you’ll focus on just three big areas:
Earn. Spend. Save.
 
That’s it. You’ll instantly see how much money you’ve brought in, how much you've saved, and what’s left to spend — all in one clear, visual dashboard.
 
Why You’ll Love It
 
✅ No Complicated Categories
Forget assigning separate budgets for groceries, dining, and bills — just set one total budget for your budget period, and track as you go. Works seamlessly as a monthly budget or weekly budget.
 
✅ Simple 1-2-3 Budget Plan
Focus on the essentials: how much you earn, how much you spend, and how much you save. By prioritizing savings and treating it as a separate category, you can focus on long-term goals while keeping day-to-day spending simpler.
 
✅ Effortless Money Tracker
Simply input your total expected earnings and your planned savings — you'll immediately see your available spending budget, which is the only number you will focus on. The dashboard automatically updates your visuals and totals.
 
✅ Visual Insights at a Glance
See your cash flow, spending overview, and remaining balance in clear charts that help you stay aware without stress.
 
✅ Google Sheets + Excel Compatible
Works in Google Sheets and as an Excel template, giving you complete control over your personal finance management.
 
✅ Pre-Filled Example Tab
Learn by example — see exactly how it works before you start.
 
Perfect For
 
☑️ People who want clarity without strict budgets.
☑️ Beginners who find traditional budgeting overwhelming.
☑️ Anyone who prefers to track the big picture instead of every small detail.
 
The No-Budget Budget is the perfect budgeting strategy for people who are just starting out on their budgeting journey. With this simple budget tool, you’ll manage money confidently, save smarter, and enjoy peace of mind.