Free calculator · for founders & households

See exactly where you are over and under budget.

Enter your budget and actual spend to see your variance and % used instantly — then track every category, month by month, with the full budget-vs-actual tracker.

Done-for-you template

Budget vs Actual Tracker

Compare planned vs actual by category — and catch overspend early.

  • Category-by-category budget vs actual with automatic variance
  • % of budget used and over/under flag for every line
  • Totals for planned, actual, and remaining across all categories
  • Spot which categories are blowing the budget at a glance
  • Assumptions-driven · Excel & Google Sheets · delivered instantly
$39one-time · instant download
↩ 7-day money-back guarantee

🔒 Secure checkout via Stripe · Excel & Google Sheets · instant delivery.

🔒 Secure checkout by StripeInstant download7-day money-back guaranteeExcel & Google Sheets

Questions

What is a budget variance?

A budget variance is the difference between what you planned to spend (or earn) and what actually happened. A favourable variance means you spent less or earned more than planned; an unfavourable one means the opposite. Tracking variance by category shows exactly where reality is drifting from the plan.

How often should I update it?

Monthly works for most people and small businesses — enter each category actual once a month and review the variances. If a category is volatile or tight, updating weekly gives you earlier warning before it overruns.

What is in the paid tracker?

A ready-to-use spreadsheet (Excel & Google Sheets): a category table comparing budget and actual with automatic variance, % used, and over/under flags, plus totals — delivered instantly after checkout. AI-assisted, human-built; not financial advice.

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