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Pour choisir un modèle Excel gratuit de budget, partez de votre besoin : suivre vos dépenses au mois le mois, gérer le budget du foyer, ou épargner pour un objectif. Voici 11 modèles classés par usage, issus des galeries de Microsoft et de Vertex42.
Quel modèle choisir ?
Un budget met en regard les revenus et les dépenses afin d’aider à planifier des objectifs à court et à long terme, explique Microsoft dans son guide sur le budget familial. Le bon fichier dépend surtout de la période suivie, du nombre de personnes concernées et du niveau de détail souhaité.
- Période : choisissez un suivi mensuel ou annuel selon la fréquence à laquelle vous voulez examiner vos finances.
- Périmètre : un modèle personnel convient à une personne; un modèle familial permet de suivre les revenus et dépenses du ménage.
- Détail : une feuille de budget synthétise les catégories; un journal des dépenses sert à consigner les sorties au fil de l’eau.
- Objectif : certains fichiers aident à contrôler les dépenses, d’autres à suivre une épargne ou à simuler un prêt.
- Logiciel : les modèles Microsoft sont proposés dans Excel. Vertex42 indique que ses fichiers peuvent aussi être utilisés avec OpenOffice et Google Sheets.
11 modèles de budget Excel gratuits selon votre besoin
Pour un budget personnel
- Budget personnel simple : un point de départ pour suivre les grandes catégories de revenus et de dépenses sans ajouter plus de détail que nécessaire.
- Budget mensuel : pour comparer les revenus et les dépenses d’un mois et ajuster les catégories au fil du temps.
- Budget annuel simple : pour visualiser le budget sur l’année et repérer les dépenses ou revenus saisonniers.
- Budget simple : une structure minimale à personnaliser selon vos propres catégories et habitudes.
- Budget personnel : une option pour classer les finances individuelles de façon plus détaillée.
Pour le budget du foyer
- Budget familial mensuel : pour rassembler les revenus et dépenses du ménage dans une vue mensuelle.
- Budget familial (mensuel) : une autre variante de budget de foyer suivie mois par mois; comparez la présentation des feuilles pour retenir celle qui correspond à votre façon de gérer les dépenses.
Pour les étudiants et le suivi des dépenses
- Budget étudiant mensuel : adapté au suivi des revenus et dépenses d’un étudiant sur un mois.
- Journal des dépenses : pour noter les sorties au fur et à mesure plutôt que de les estimer en fin de période.
- Relevé simple des flux de trésorerie personnels : pour suivre les entrées et sorties d’argent dans une vue synthétique.
Pour suivre une épargne
- Estimateur d’épargne : pour suivre un objectif d’épargne à l’aide de calculs intégrés.
Les noms ci-dessus décrivent les usages des modèles disponibles dans les galeries; ils ne constituent pas un classement officiel des meilleurs fichiers. Microsoft propose notamment des modèles de budget personnel, étudiant, mensuel, annuel, familial et de dépenses dans sa galerie de modèles.
Où télécharger les modèles
Galerie Microsoft
Consultez la galerie officielle de modèles Excel de Microsoft et recherchez le type de budget qui vous convient : personnel, familial, étudiant, mensuel ou annuel. Microsoft indique que les modèles incluent les formules nécessaires aux calculs présentés dans la galerie.
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#1 Best Overall
Taja Budget Planner, Undated Budget Book with Expense Tracker, 6.9" x 9.9"
- Effective Budget Planning - Take control of your finances with the budget account book. This comprehensive planner allows you to plan and track your income, expenses, savings, and financial goals in one convenient place. With its intuitive layout and easy-to-use sections, you can stay organized and make informed decisions to achieve financial success.
- User-Friendly Layout - The budget planner features a user-friendly layout designed for easy navigation and organization. Each month, you'll find dedicated budget pages where you can set financial goals, track your income, and plan your expenses. Additional sections include debt trackers, savings goals, bill payment trackers, and more, making it simple to stay on top of your finances.
- Undated Monthly Calendar & Bonus Stickers - Featuring undated calendar each month, you'll have ample space to mark paydays, bills due, appointments, and important dates. Say goodbye to difficult writing spaces. Plus, we've included 3 cute sticker sheets that allow you to personalize your financial organizer and make budgeting more fun. Dates are not pre-printed and are completed by the user.
- Reliable and Convenient Design - Our monthly budget planner is designed for your convenience and built to last. The elastic band keeps everything securely in place, and the dual-sided pocket provides extra storage. Experience a budget planner that combines practicality and durability.
- Master Budgeting with Ease - Our financial planner includes a complete guidebook that provides valuable insights and instructions for optimal usage. From setting financial goals to tracking expenses, this guidebook offers step-by-step guidance and practical tips. Whether you're new to budgeting or an experienced user, this resource will help you make the most of your budget planner, empowering you to achieve financial success.
Vertex42
Vertex42 propose des modèles gratuits pour un usage personnel, dont un Family Budget Planner et un Personal Budget Spreadsheet. Le site indique que ses fichiers sont aussi compatibles avec OpenOffice et Google Sheets.
Comment personnaliser un modèle dans Excel
- Ouvrez la galerie de modèles Microsoft et parcourez les modèles de budget. La procédure décrite par Microsoft consiste à explorer les modèles, puis à double-cliquer sur celui qui convient.
- Remplacez les exemples par vos propres montants et noms de catégories. Conservez les formules du modèle lorsque vous modifiez les libellés ou les données.
- Enregistrez le fichier avec un nom qui indique la période ou le foyer concerné, puis mettez-le à jour selon votre rythme de suivi.
- Imprimez ou partagez le fichier si vous avez besoin de consulter le budget hors écran ou de le gérer à plusieurs.
Ces étapes suivent les recommandations de Microsoft dans son guide Créer votre premier budget. Le modèle facilite les calculs, mais il ne remplace pas la saisie régulière de données exactes.
Quick Recap
Best Value
Taja Budget Planner, Undated Budget Book with Expense Tracker, 6.9" x 9.9"
- Effective Budget Planning - Take control of your finances with the budget account book. This comprehensive planner allows you to plan and track your income, expenses, savings, and financial goals in one convenient place. With its intuitive layout and easy-to-use sections, you can stay organized and make informed decisions to achieve financial success.
- User-Friendly Layout - The budget planner features a user-friendly layout designed for easy navigation and organization. Each month, you'll find dedicated budget pages where you can set financial goals, track your income, and plan your expenses. Additional sections include debt trackers, savings goals, bill payment trackers, and more, making it simple to stay on top of your finances.
- Undated Monthly Calendar & Bonus Stickers - Featuring undated calendar each month, you'll have ample space to mark paydays, bills due, appointments, and important dates. Say goodbye to difficult writing spaces. Plus, we've included 3 cute sticker sheets that allow you to personalize your financial organizer and make budgeting more fun. Dates are not pre-printed and are completed by the user.
- Reliable and Convenient Design - Our monthly budget planner is designed for your convenience and built to last. The elastic band keeps everything securely in place, and the dual-sided pocket provides extra storage. Experience a budget planner that combines practicality and durability.
- Master Budgeting with Ease - Our financial planner includes a complete guidebook that provides valuable insights and instructions for optimal usage. From setting financial goals to tracking expenses, this guidebook offers step-by-step guidance and practical tips. Whether you're new to budgeting or an experienced user, this resource will help you make the most of your budget planner, empowering you to achieve financial success.
Rank #4
Taja Aesthetic Budget Planner & Monthly Bill Organizer, Undated Budget Book
- Effective Budget Planning - Take control of your finances with the budget account book. This comprehensive planner allows you to plan and track your income, expenses, savings, and financial goals in one convenient place. With its intuitive layout and easy-to-use sections, you can stay organized and make informed decisions to achieve financial success.
- User-Friendly Layout - The budget planner features a user-friendly layout designed for easy navigation and organization. Each month, you'll find dedicated budget pages where you can set financial goals, track your income, and plan your expenses. Additional sections include debt trackers, savings goals, bill payment trackers, and more, making it simple to stay on top of your finances.
- Undated Monthly Calendar & Bonus Stickers - Featuring undated calendar each month, you'll have ample space to mark paydays, bills due, appointments, and important dates. Say goodbye to difficult writing spaces. Plus, we've included 3 cute sticker sheets that allow you to personalize your financial organizer and make budgeting more fun. Dates are not pre-printed and are completed by the user.
- Reliable and Convenient Design - Our monthly budget planner is designed for your convenience and built to last. The elastic band keeps everything securely in place, and the dual-sided pocket provides extra storage. Experience a budget planner that combines practicality and durability.
- Master Budgeting with Ease - Our financial planner includes a complete guidebook that provides valuable insights and instructions for optimal usage. From setting financial goals to tracking expenses, this guidebook offers step-by-step guidance and practical tips. Whether you're new to budgeting or an experienced user, this resource will help you make the most of your budget planner, empowering you to achieve financial success.
Rank #3
SUNEE Budget Planner - Monthly Budget Book with Expense Tracker Notebook, Undated 12 Month Bill Organizer & Finance Planner to Manage Your Money, A5(6.4" x 8.3") Account Book with Colorful Tab, Black
- Effective Budget Plan Book – Take control of your finances with the SUNEE budget account book. This all-in-one budget planner allows you to plan and track your income, expenses, savings, and financial goals. Its intuitive layout and easy-to-use sections help you stay organized and make smart decisions to reach financial success. Our financial planner also included a comprehensive guidebook with valuable tips and instructions to help you get the most out of your budgeting planner.
- Full-Page Calendars – Each month’s full-page calendar provides plenty of space to track paydays, bills due dates, appointments, and important events. No more cramped boxes or tight writing areas, you can easily plan and organize your schedule at a glance.
- Colorful Pages Layout and Tabs – This vibrant budget planner features a user-friendly design for easy navigation and organization. Each month includes dedicated budget pages to set financial goals, track income, and plan expenses. Additional sections like debt trackers, savings goals, and bill payment trackers make managing your finances a breeze. The colorful backgrounds on each page offer clear, instant visibility.
- Bonus 4 Stickers and Convenient Design – This monthly budget planner is built for convenience and durability. Water-resistant cover protects against spills, while the elastic band keeps everything secure, and the dual-sided pocket offers extra storage. Plus, we’ve included 4 adorable sticker sheets to personalize your planner and make budgeting more enjoyable. Experience a budget planner that combines practicality with lasting quality.
- UNDATED DESIGN & 1 YEAR USE - Undated finance books start with 1 page-financial goals, 1 page-Mind Map, 1 page-Financial Strategy, 1 page-Tactics, 2 pages-Important Dates, 4 pages-Bill Tracker, 4 pages-Saving Tracker, 8 pages-Debt Tracker, followed by 12 Months(10 pages per month, 1 unique color for each month). 2 pages-Christmas Budgeting, 2 pages-Yearly Summary, 2 pages-Check Register and 12 pages-Notes(dotted). It is UNDATED, so you could start at any time, suitable for 1 year use.
Rank #2
Taja Budget Planner, Undated Budget Book with Expense Tracker, 6.9" x 9.9"
- Effective Budget Planning - Take control of your finances with the budget account book. This comprehensive planner allows you to plan and track your income, expenses, savings, and financial goals in one convenient place. With its intuitive layout and easy-to-use sections, you can stay organized and make informed decisions to achieve financial success.
- User-Friendly Layout - The budget planner features a user-friendly layout designed for easy navigation and organization. Each month, you'll find dedicated budget pages where you can set financial goals, track your income, and plan your expenses. Additional sections include debt trackers, savings goals, bill payment trackers, and more, making it simple to stay on top of your finances.
- Undated Monthly Calendar & Bonus Stickers - Featuring undated calendar each month, you'll have ample space to mark paydays, bills due, appointments, and important dates. Say goodbye to difficult writing spaces. Plus, we've included 3 cute sticker sheets that allow you to personalize your financial organizer and make budgeting more fun. Dates are not pre-printed and are completed by the user.
- Reliable and Convenient Design - Our monthly budget planner is designed for your convenience and built to last. The elastic band keeps everything securely in place, and the dual-sided pocket provides extra storage. Experience a budget planner that combines practicality and durability.
- Master Budgeting with Ease - Our financial planner includes a complete guidebook that provides valuable insights and instructions for optimal usage. From setting financial goals to tracking expenses, this guidebook offers step-by-step guidance and practical tips. Whether you're new to budgeting or an experienced user, this resource will help you make the most of your budget planner, empowering you to achieve financial success.
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