Run your business numbers like a CFO. Download free business budget templates for Excel — operating budgets, startup launch plans, department and marketing budgets, industry-specific templates for restaurants, construction, rental property, e-commerce, churches and nonprofits, plus payroll, CapEx, procurement, T&E, cash flow, and self-employed tax planning.

24 free business budget templates from Excelx.com covering every business scenario: core budgets (small business monthly, operating, startup, department, 12-month cash flow statement), marketing & sales (campaign budget, ad spend tracker, event sponsorship), industry-specific (construction, restaurant, rental property, e-commerce & inventory, church, nonprofit & grant, software/IT, manufacturing overhead), operations & finance (CapEx, payroll, travel & expense report, procurement, business income & expense), and self-employed tools (freelance budget, side hustle budget, quarterly tax planner). All with automatic calculations. Works in Excel 2016–365 and Google Sheets.
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Free Business Budget Templates: Download Now

Choose from 24 free business budget templates — from startup launch to industry operations, payroll, and quarterly taxes.

  • Revenue & Expense Structure: Revenue streams, operating expenses, payroll, and profit/loss summaries with budget vs actual per line.
  • Industry-Specific Categories: Pre-built layouts for restaurants, construction, rentals, e-commerce, churches, nonprofits, and IT.
  • Self-Employed Ready: Freelance and side-hustle budgets plus an estimated quarterly tax planner.

Small Business Monthly Budget (Core)

Startup Budget Template (Launch Planning)

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Core Business Budgets

The fundamentals — monthly operations, startup launch, departments, and cash flow.

Free Small Business Monthly Budget for Excel by Excelx.com

Small Business Monthly Budget

Revenue streams, operating expenses, payroll, and monthly profit/loss summary — the complete small business money picture.

Download (.xlsx)

Revenue Streams · OpEx · P/L Summary

Free Operating Budget for Excel by Excelx.com

Operating Budget

Annual operating plan — revenue targets and expense budgets by department with monthly phasing and variance.

Download (.xlsx)

Department Rollup · Monthly Phasing

Free Startup Budget for Excel by Excelx.com

Startup Budget

Launch planning — one-time startup costs, monthly burn rate, runway calculation, and break-even projection.

Download (.xlsx)

Startup Costs · Burn Rate · Runway

Free Department Budget for Excel by Excelx.com

Department Budget

Corporate department planning — headcount, programs, and operating costs with quarterly reviews and variance.

Download (.xlsx)

Headcount · Programs · Quarterly Review

Free 12-Month Cash Flow Statement for Excel by Excelx.com

12-Month Cash Flow Statement

Money in vs out across 12 months — opening/closing balances, operating flows, and crunch alerts.

Download (.xlsx)

12-Month Flows · Balance Projection


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Marketing & Sales Budgets

Plan and track go-to-market spending — campaigns, ads, and sponsorships.

Free Marketing Campaign Budget for Excel by Excelx.com

Marketing Campaign Budget

Per-channel campaign planning — budget vs actual across paid, content, events, and tools with ROI columns.

Download (.xlsx)

Per-Channel · ROI Tracking

Free Social Media Ad Spend Tracker for Excel by Excelx.com

Social Media Ad Spend Tracker

Daily/weekly ad spend log across platforms — Meta, Google, LinkedIn, TikTok — with CPC/CPA and pacing vs budget.

Download (.xlsx)

Multi-Platform · CPC/CPA · Pacing

Free Event Sponsorship Budget for Excel by Excelx.com

Event Sponsorship Budget

Sponsorship planning — packages, deliverables, costs, and expected value per sponsorship with approval tracking.

Download (.xlsx)

Packages · Deliverables · Value


Industry-Specific Budgets

Pre-built for your business type — categories that match how your industry actually spends.

Free Construction Budget for Excel by Excelx.com

Construction Budget

Project-based construction budgeting — materials, labor, equipment, permits, and subcontractors with contingency.

Download (.xlsx)

Materials · Labor · Subcontractors

Free Restaurant Budget for Excel by Excelx.com

Restaurant Budget

Food cost %, labor %, occupancy, and prime cost tracking — the ratios that make or break restaurants.

Download (.xlsx)

Food Cost % · Prime Cost

Free Rental Property Budget for Excel by Excelx.com

Rental Property Budget

Per-property income and expenses — rent, mortgage, maintenance, vacancies — with cash-on-cash return.

Download (.xlsx)

Per-Property · Cash-on-Cash

Free E-commerce & Inventory Budget for Excel by Excelx.com

E-commerce & Inventory Budget

COGS, inventory purchases, fulfillment, ads, and platform fees — margin visibility per month.

Download (.xlsx)

COGS · Inventory · Margin

Free Church Budget for Excel by Excelx.com

Church Budget

Ministry-based budgeting — tithes and offerings income against ministries, staff, missions, and facilities.

Download (.xlsx)

Ministries · Missions · Facilities

Free Nonprofit & Grant Budget for Excel by Excelx.com

Nonprofit & Grant Budget

Program and grant budgeting — restricted vs unrestricted funds, grant line items, and funder reporting layout.

Download (.xlsx)

Restricted Funds · Grant Lines

Free Software & IT Budget for Excel by Excelx.com

Software & IT Budget

SaaS subscriptions, infrastructure, licenses, and headcount — with per-seat costs and renewal calendar.

Download (.xlsx)

SaaS · Renewals · Per-Seat

Free Manufacturing Overhead Tracker for Excel by Excelx.com

Manufacturing Overhead Tracker

Indirect cost tracking — utilities, maintenance, depreciation, supervision — with overhead rate calculation.

Download (.xlsx)

Indirect Costs · Overhead Rate


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Operations & Finance

Back-office essentials — capital spending, payroll, travel, purchasing, and bookkeeping.

Free Capital Expenditure (CapEx) Budget for Excel by Excelx.com

Capital Expenditure (CapEx) Budget

Plan major purchases — equipment, vehicles, property — with approval workflow, depreciation, and ROI justification.

Download (.xlsx)

Approvals · Depreciation · ROI

Free Employee Salary & Payroll Budget for Excel by Excelx.com

Employee Salary & Payroll Budget

Headcount planning — salaries, taxes, benefits, and raises by employee and department with monthly totals.

Download (.xlsx)

Salaries · Benefits · By Department

Free Travel & Expense (T&E) Report for Excel by Excelx.com

Travel & Expense (T&E) Report

Employee expense reporting — per-trip logs, category limits, receipts checklist, and approval sign-off.

Download (.xlsx)

Per-Trip · Limits · Approval

Free Procurement & Purchase Plan for Excel by Excelx.com

Procurement & Purchase Plan

Purchase planning — vendors, quotes, order schedule, and spend vs budget by category.

Download (.xlsx)

Vendors · Quotes · Order Schedule

Free Business Income & Expense for Excel by Excelx.com

Business Income & Expense

Simple business bookkeeping — income and expense log with category totals, monthly summary, and tax-ready categories.

Download (.xlsx)

Bookkeeping · Tax Categories


Self-Employed & Side Income

For freelancers, side hustlers, and anyone who owes quarterly taxes.

Free Freelance Budget for Excel by Excelx.com

Freelance Budget

Irregular income budgeting — lowest-month baseline, project pipeline, business vs personal split, and tax set-aside.

Download (.xlsx)

Pipeline · Tax Set-Aside

Free Side Hustle Profit Tracker for Excel by Excelx.com

Side Hustle Profit Tracker

Track hustle profitability — income, expenses, hours, and true hourly rate per gig.

Download (.xlsx)

Per-Gig Profit · Hourly Rate

Free Estimated Quarterly Tax Planner for Excel by Excelx.com

Estimated Quarterly Tax Planner

Never miss an estimated payment — quarterly income projection, safe-harbor calculation, and payment calendar with due dates.

Download (.xlsx)

Safe Harbor · Due Dates

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Which Template Should You Use?

Template Best For Key Feature Level
🏢 Core
Small Business Monthly Small business owners P/L summary ⭐⭐
Operating Budget Established businesses Department rollup ⭐⭐⭐
Startup Budget Founders Burn rate + runway ⭐⭐
Department Budget Corporate managers Headcount + programs ⭐⭐
Cash Flow Statement Cash management 12-month flows ⭐⭐⭐
📣 Marketing & Sales
Marketing Budget Marketing teams Per-channel ROI ⭐⭐
Ad Spend Tracker Performance marketers CPC/CPA pacing ⭐⭐
Sponsorship Budget Event marketers Package value ⭐⭐
🏭 Industry
Construction Contractors Subs + contingency ⭐⭐⭐
Restaurant Restaurant owners Prime cost ⭐⭐⭐
Rental Property Landlords Cash-on-cash ⭐⭐
E-commerce Online sellers COGS + margin ⭐⭐
Church Church admins Ministry-based ⭐⭐
Nonprofit & Grant Nonprofits Restricted funds ⭐⭐⭐
Software & IT IT managers SaaS renewals ⭐⭐
Manufacturing Plant managers Overhead rate ⭐⭐⭐
⚙️ Operations
CapEx Budget Finance teams Approvals + ROI ⭐⭐⭐
Payroll Budget HR/Finance By department ⭐⭐
T&E Report Traveling employees Per-trip approval
Procurement Plan Purchasing Vendor quotes ⭐⭐
Business I&E Simple bookkeeping Tax categories
💼 Self-Employed
Freelance Budget Freelancers Tax set-aside ⭐⭐
Side Hustle Side hustlers True hourly rate
Quarterly Tax Planner Self-employed Safe harbor + dates ⭐⭐

Frequently Asked Questions

How do I create a business budget?

Start with revenue projections (conservative), list fixed costs (rent, salaries, insurance), add variable costs as a percentage of revenue, and include a 10–15% contingency. The Small Business Monthly Budget has this structure pre-built.

What should a startup budget include?

One-time launch costs (legal, equipment, deposits, branding), monthly burn rate (all recurring costs), and runway (cash ÷ burn). The Startup Budget calculates runway and break-even automatically.

How much should I set aside for quarterly taxes?

A common rule is 25–30% of net self-employment income. The Quarterly Tax Planner includes the IRS safe-harbor calculation and payment due dates.

What is prime cost for a restaurant?

Food/beverage cost plus labor — the two controllable giants. Healthy restaurants keep prime cost under 60–65% of sales. The Restaurant Budget tracks it weekly.

How do I budget for rental property?

Track per-property: rent income minus mortgage, taxes, insurance, maintenance (budget 1–2% of property value yearly), and vacancy reserve (5–8%). The Rental Property Budget adds cash-on-cash return.

Do these work in Google Sheets?

Yes — all are standard .xlsx files that open in Google Sheets with formulas intact.


Need More Power?

Advanced dashboards, multi-month automation, and premium features. Check out our Premium Budget & Finance Templates.

Browse the Complete Budget Template Collection

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About the Author: PNRao

Hi – I'm PNRao, founder of Excelx. With over 20 years of experience in Project Management and Automation, I specialize in building high-performance systems that streamline complex workflows. My mission is to provide you with professional-grade Project Management templates—from automated Gantt charts to resource workload dashboards—powered by Excel, VBA, and Power BI. Whether you are managing a small team or a global portfolio, you'll find the tools here to transform your data into strategic action.

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