Update your browser for the best viewing experience Without the most up-to-date version of your browser, you can still watch YouTube videos, but you may have problems using YouTube’s newer features. As a YNAB 4 user, you have a couple of options when the new Mac OS update is released next year: You could check out what help there is on the Classic Forums to keep your app running. You can choose not to update your Mac OS (at least temporarily) and continue to use YNAB 4. Identified While we wish this was a resolution update, we're still in a holding pattern with Capital One while our import partner works with them directly. We're continuing to do what we can to push for a resolution, and you can do the same by reaching out to Capital One on social media, email, or phone calls to let them know you want to use third-party services like YNAB.

Check out these free budget spreadsheets and start telling your money where it should go!

Are you spreadsheet illiterate? Or worse….are you a spreadsheet fanatic? Do you pray at the altar of your budget or are you the type that can’t-keep-a-budget-to-save-your-life? Whichever way you rock it, you’ll find a budget spreadsheet (template) that works for you in the list below!

I fall into the category of “spreadsheet fanatic.” I loveeee me some spreadsheets (can you blame?…I’m an engineer!). If I’m in a situation that can be solved by creating a spreadsheet, my happiness level instantly doubles, probably triples if I’m telling the truth. I’ll find any excuse to create a spreadsheet.

This list below starts with the simplest, easiest spreadsheet that anybody can use. As the list goes on, the spreadsheets get more detailed, complicated, and are able to do more things.

1. Simple Budget (from Microsoft Corporation)

If you want to set the simplest budget possible (input income and set a value for spending for each budget category), then this your spreadsheet. All it does is add up all your income, add up your projected spending in each category, and calculate the difference of the two (which will tell you if you are making more than you spend, or vice-versa). This spreadsheet does not allow you to put in your expenses, so you can’t evaluate if you’ve stayed within your budget at the end of the month.

Ynab 4 Software 2017

2. Personal Monthly Budget (from Microsoft Corporation)

Ugh, SSOOOOOO simple. And it prints on one page. Yes and yes. This spreadsheet is SOOOOO simple. It breaks your budget into several obvious categories (housing, transportation, loans, etc). At the beginning of the month you can enter the amount you project to spend. At the end of the month you can enter how much you actually spent. The spreadsheet will calculate the difference and also summarizes all the categories at the top and bottom. Best part, each monthly budget fits nicely onto ONE page, so it’s a clean and easily printable document. I love this. It does everythign you need. Perfect if you are just starting out. Perfect if you are looking for a printable document to put in your budget binder.

3. Budget Slasher (from Girls Just Wanna Have Funds)

This spreadsheet is set up just like a budget, but aims to help you slash your budget. It calculates how much your monthly savings will be if you follow your new, slashed budget. To get this spreadsheet, you have to go to the Girls Just Wanna Have Funds website, scroll down a little, click “Download Now” when you see the Budget Slasher spreadsheet, put in your name and email, and it’ll download the spreadsheet on your computer and open in Google Documents so you can download on your computer.

4. Monthly Budget Spreadsheet (from Money Under 30)

This first tab of the spreadsheet is your run-of-the-mill budget. It breaks your budget into categories, and you can input your budget for each category. But the part I really like about htis spreadsheet is that there are an additional 12 tabs, one for each month of the year. In each monthly tab, you can enter how much you spent in a budget category on a specific day….and then the spreadsheet will calculate how much of your variable expense budget you have left. The only thing that would make this better is if it told you how much money you have left in each category.

5. Simple Monthly Budget (from Zero Based Budget HQ)

This is super simple. It’s different from the other spreadsheets because you can input the percentage of your income you want to allocate for each category instead of inputting the exact amount you want to allocate. For instance, if you want to give 10% of your income to charity, you just write 10%, instead of having to calculate the amount like $230.

6. The Super Easy Budget Form (from Trees Full of Money)

This budget spreadsheet exploded on Pinterest….and for good reason. This spreadsheet is helpful if you have debt because it tells you the “extra money” you have (the money you haven’t budgeted) that could go towards paying off debt.

7. YNAB Style Spreadsheet (from a Redditor on Reddit.com)

As the name suggests, this spreadsheet’s layout and function is very similar to the paid budget software called YNAB (You Need a Budget). It’s perfect if you want to create a zero-based budget. The spreadsheet requires you to put in all of your transactions and categorize them. It’s a very visually appealing spreadsheet and it nicely summarizes each months’ available budget, income, and expenditures.

8. Updated Personal Finance Tracker (from a Redditor on Reddit.com)

This spreadsheet has the basics – a monthly budget (I like this because it has all 12 months in one tab, and it allows your budget to change from month to month) and a transactions log to record all your spending. But it also includes some extras – a savings balance sheet and a net worth tracker (and associated charts). This spreadsheet is great if you have some experience with excel, if your budget changes from month to month, and if you want a spreadsheet that has more than just a budgeting capability.

How do you keep track of your budget? Is it from a spreadsheet template like the ones above, using a digital program, or good old fashioned pen and paper?

I have a long history with YNAB (You Need a Budget), both good and bad.

To make a long story short, I was using and loving Mvelopes, while YNAB had a lot of problems with its new release. YNAB then fixed those problems, Mvelopes went south and I switched back.

Today, I use a combination of Quicken 2011 and YNAB to manage my money, and was excited the see YNAB 4, the newest version of the software, make a premiere last month.

Do you really want my envelope budgeting speech again?

I didn’t think so. I know that you know that I love it.

The trick is to find the best way to implement envelope budgeting, and for me that’s YNAB. It’s not perfect, but it’s the best combination of visual clarity, backbone, and simplicity you’ll find today.

Notable new features

Head back to my previous YNAB reviews (links up top) for general software information. Today, I’ll look only at some of the notable improvements in YNAB 4 over the previous versions.

For example, I love the new “version” feature, which saves me the heartache of screwing up my budget and not having a simple way to get it back:

The graphics took a big improvement, with larger fonts, a cleaner interface, and bold colors. Reports, in general, are very good-looking, simple to understand, and get to the point. Here’s a sample spending report:

One big selling point for YNAB is the new Cloud Sync. I decided not to use it, since I don’t own a smartphone and already made this syncing work to the level I need by sharing the YNAB file over Google Drive.

Among some of the other changes, the increase in speed is definitely noticable–the program feels zippy and more responsive. Changing screens and entering data feels direct and immediate.

Ynab 4 Upgrade