Cash Envelope Budget Tracker Excel — The envelope system in a spreadsheet: annual plan per envelope, spent so far, what is left, and the months it has to cover. Built for anyone who wants the whole picture on one page:…
About this template
Cash Envelope Budget Tracker Excel — The envelope system in a spreadsheet: annual plan per envelope, spent so far, what is left, and the months it has to cover. Built for anyone who wants the whole picture on one page: what the goal is, what is actually there, and which line is quietly falling behind — without accounting software or a subscription app. If one line is underfunded, this workbook shows it while there is still time to fix it.
$24
Excel & Google Sheets template — instant download on Etsy
Envelope Planner — Every envelope: annual plan, spent so far, remaining, percent used, a typical month, and months of runway — by formula except the yellow inputs.
Spending Log — Every logged envelope spend January-October: date, envelope, description, amount, and payment method, with running total and share of total by formula.
Monthly Plan — Month by month: planned envelope spending, actual spending from the log by formula, the difference, and cumulative planned vs actual.
Category Summary — Envelopes grouped by type (needs, wants, family): counts, plans, spent, remaining, and percent used — all by formula.
Dashboard — Total envelope plan, total spent, remaining, percent used, typical month, and the fullest and emptiest envelopes.
Cover and How to Use — start here. Yellow cells are the only ones you edit.
The included example shows: Target 27,600; current 21,940; remaining 5,660; 79.5 percent complete overall.
Does it work in Excel and Google Sheets?
Yes. The workbook works in Microsoft Excel and in Google Sheets (upload the .xlsx file to Google Drive to open it in Sheets). It is an instant digital download from Etsy — no physical item is shipped.