Google Sheets expense tracker for your budget and your small business expenses.

An expense tracker for Google Sheets that is also an income and expense tracker, an annual budget planner and a business expense log — one template, no macros, no add-ons. Also works in Excel. One payment, and the file lives in your own Google Drive.

Try the demo Buy now — $ 14.99

OwnDesk Budget Sheets — Google Sheets expense tracker template with a dashboard, business expenses and yearly budget

Google Sheets & Excel Business expense ledger No macros One-time payment

See it running

Watch OwnDesk Budget Sheets in action.

The dashboard, transactions, monthly budget, business report and 50/30/20 check, walked through tab by tab.

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Buy it once

Budgeting apps run about $100 a year. This is one payment, and the file stays yours.

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Works from any device

Open it in Google Sheets on a laptop, tablet or phone and log a purchase in ten seconds.

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Business expenses built in

Sixteen deductible categories, a quarterly report and a receipt check for your accountant.

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Share it live

Edit together with a partner or a bookkeeper, every change saved and versioned.

What this expense tracker template does

Type a transaction once. Everything else updates.

Dashboard • transactions log • annual budget • plan vs actual • 50/30/20 check • yearly summary • business expense report • bills • savings goals • accounts & net worth • debt payoff — 16 tabs in one expense tracker template.

An income and expense tracker that does the arithmetic

Log the date, payee, category, amount and account. Income, spending, saving and transfers are told apart automatically, every account keeps a running balance, and the monthly budget, yearly summary and dashboard all move with that one entry.

Small business expense tracking without a bookkeeper

Personal and business ledgers live apart in one file. Log each business payment and whether you kept the receipt: the Business tab shows every category by quarter, the profit, an estimate of tax to set aside and every receipt still missing before April.

The 50/30/20 rule, done properly

Every personal category is sorted into needs, wants or savings, the split is yours to change — 60/20/20 for an expensive city, 50/20/30 for a hard saver — and each month gets a written verdict, not just a red cell.

Plan against reality, all twelve months

Type what you expect in January, drag it across the year, and change only the months that differ. Actual and Difference show plan against what really happened, with a plus sign always meaning good.

OwnDesk Budget Sheets dashboard: income, spending and savings for the month and the year

Business tab of the Google Sheets expense tracker: every business expense category by quarter, with receipts still missing

Transactions tab: log each expense once with date, payee, category, amount and account

50/30/20 tab: a plain-English verdict on every month of the budget

How to track expenses in three steps

Ten seconds a purchase, no bookkeeping degree.

Log each payment

Date, payee, category, amount, account — from the Google Sheets app the moment you spend.

Or paste your bank's CSV

Copy the date, description and amount columns from your bank's export into the sheet and pick a category on each row.

Read the dashboard

What came in, what went out and what is left — for the month or the year, personal, business or both.

Why people switch

You're not really choosing between two expense trackers.

A free template makes you build every formula. A budgeting app rents you your own history. This sits in between: everything built in, one payment, in your own Drive.

	OwnDesk Budget Sheets	Free expense tracker template	Budgeting app
Price	$ 14.99 once	Free	About $100/yr
Formulas already built	Yes, 16 linked tabs	You build them yourself	Yes
Business ledger & receipt check	Included	Rare, do-it-yourself	Often a separate plan
Your data	A file in your own Drive	A file in your own Drive	Stops being yours when you stop paying
Connects to your bank	No — you log or paste a CSV	No	Yes

Budgeting-app pricing is a general market figure (for example, YNAB lists $109 a year) — check current pricing on each site. OwnDesk Budget Sheets does not connect to your bank and is a bookkeeping aid, not tax advice.

14-day money-back guarantee Plus support from Adrián, usually the same working day

If OwnDesk Budget Sheets isn't right for how you track your money, email me and you get a refund — no questions. If something's confusing, you're writing to the person who built it, not a queue. English and Spanish, both spoken here.

14-day refund Reply usually same working day Blank + sample workbook

Questions

Before you buy.

Is this a Google Sheets expense tracker template?

Yes. It is an .xlsx workbook with no macros and no add-ons: upload it to Google Drive, open it with Google Sheets and choose File, Save as Google Sheets. From then on it is a live document you can use from the Google Sheets app on a phone, so you can log an expense the moment you make it. Google Sheets may take a few seconds to open it the first time, because it holds about 3,000 rows of ready-made formulas.

What is the easiest way to track expenses?

The method that lasts is the one that takes ten seconds. Log each payment as it happens — date, payee, category, amount and account — or paste your bank’s CSV export straight into the Transactions tab and pick a category on each row. The dashboard then shows what came in, what went out and what is left, and the monthly budget, yearly summary and 50/30/20 check all update from that one entry.

How do I keep track of business expenses with it?

Log each business payment against one of sixteen business categories, all marked tax deductible, and say whether you kept the receipt. The Business tab then shows every category by quarter, the profit, the taxable profit, an estimate of tax to set aside and how many receipts are still missing, and personal and business money stay in separate ledgers inside the one file. It is a bookkeeping aid, not tax advice.

Is it an income and expense tracker, or only for spending?

Both. Income, spending, saving and transfers between your own accounts are told apart automatically by the category you pick, every account keeps a running balance, and a Check column flags any row that cannot be counted, with the reason.

Is this an expense tracker Excel template too?

Yes — the same .xlsx file opens in Excel, LibreOffice and Numbers as well as Google Sheets, with no macros to enable. In Excel, OneDrive or Dropbox does the job Google Drive does for Sheets, so two people can still edit the same file.

Is this the best expense tracker app?

It is not an app, and the difference matters. Budgeting apps connect to your bank and charge about $100 a year, and the history you typed into them stops being yours the day you stop paying. This is a spreadsheet you buy once and keep in your own Google Drive — but it does not connect to your accounts, so you record what happened and it does the arithmetic. If automatic bank sync is what you need, an app is the better fit.

Can my partner or bookkeeper edit it at the same time?

Yes, once it is a Google Sheet in your Drive: share it and you both edit the same file live, with every change saved and versioned automatically. You can also filter Transactions by category or ledger to hand your accountant exactly what they ask for.

How many transactions can it hold, and can I change the currency?

The Transactions tab holds about 3,000 rows, which is years of normal household use. Amounts show in dollars by default; change the currency with one cell-format setting.

Is there a monthly fee?

No. One payment, free bug-fix updates, and the file is yours for good. There is no account to keep paying for and nothing that stops working if you stop.

Browse the whole workbook before you decide.

The read-only demo shows every tab of the sample workbook, filled in — no sign-up, no credit card. If it fits, buying takes about a minute.