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- 🏢 Core (5)
- 📣 Marketing (3)
- 🏭 Industry (8)
- ⚙️ Operations (5)
- 💼 Self-Employed (3)
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- ❓ FAQ
- 💬 Comments
Run your business numbers like a CFO. From a business budget template Excel teams can share, to business budget spreadsheets, a business budget planning template, a business budget sheet template, or a budget proposal template for approvals — everything here is a free .xlsx download, including a small business spreadsheet for income and expenses. 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.
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.
Core Business Budget Templates
The fundamentals — monthly operations, startup launch, departments, and cash flow.
Small Business Monthly Budget Template
Revenue streams, operating expenses, payroll, and monthly profit/loss summary — the complete small business money picture.
Revenue Streams · OpEx · P/L Summary
Operating Budget Template
Annual operating plan — revenue targets and expense budgets by department with monthly phasing and variance.
Department Rollup · Monthly Phasing
Startup Budget Template
Launch planning — one-time startup costs, monthly burn rate, runway calculation, and break-even projection.
Startup Costs · Burn Rate · Runway
Department Budget Template
Corporate department planning — headcount, programs, and operating costs with quarterly reviews and variance.
Headcount · Programs · Quarterly Review
12-Month Cash Flow Statement
Money in vs out across 12 months — opening/closing balances, operating flows, and crunch alerts.
12-Month Flows · Balance Projection
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Marketing & Sales Budgets
Plan and track go-to-market spending — campaigns, ads, and sponsorships.
Marketing Campaign Budget Template
Per-channel campaign planning — budget vs actual across paid, content, events, and tools with ROI columns.
Per-Channel · ROI Tracking
Social Media Ad Spend Tracker
Daily/weekly ad spend log across platforms — Meta, Google, LinkedIn, TikTok — with CPC/CPA and pacing vs budget.
Multi-Platform · CPC/CPA · Pacing
Event Sponsorship Budget Template
Sponsorship planning — packages, deliverables, costs, and expected value per sponsorship with approval tracking.
Packages · Deliverables · Value
Industry-Specific Budget Templates
Pre-built for your business type — categories that match how your industry actually spends.
Construction Budget Template
The construction budget template contractors ask for — a project-based construction budget spreadsheet covering materials, labor, equipment, permits, and subcontractors with contingency. Works as a construction project budget template too.
Materials · Labor · Subcontractors
Restaurant Budget Template
Food cost %, labor %, occupancy, and prime cost tracking — the ratios that make or break restaurants.
Food Cost % · Prime Cost
Rental Property Budget Template
Per-property income and expenses — rent, mortgage, maintenance, vacancies — with cash-on-cash return.
Per-Property · Cash-on-Cash
E-commerce & Inventory Budget Template
COGS, inventory purchases, fulfillment, ads, and platform fees — margin visibility per month.
COGS · Inventory · Margin
Church Budget Template
Ministry-based budgeting — tithes and offerings income against ministries, staff, missions, and facilities.
Ministries · Missions · Facilities
Nonprofit & Grant Budget Template
The non profit budget template built for funders — a nonprofit organization budget template with restricted vs unrestricted funds, grant line items, and reporting layout.
Restricted Funds · Grant Lines
Software & IT Budget Template
SaaS subscriptions, infrastructure, licenses, and headcount — with per-seat costs and renewal calendar.
SaaS · Renewals · Per-Seat
Manufacturing Overhead Tracker
Indirect cost tracking — utilities, maintenance, depreciation, supervision — with overhead rate calculation.
Indirect Costs · Overhead Rate
Operations & Finance Templates
Back-office essentials — capital spending, payroll, travel, purchasing, and bookkeeping.
Capital Expenditure (CapEx) Budget Template
Plan major purchases — equipment, vehicles, property — with approval workflow, depreciation, and ROI justification.
Approvals · Depreciation · ROI
Employee Salary & Payroll Budget Template
Headcount planning — salaries, taxes, benefits, and raises by employee and department with monthly totals.
Salaries · Benefits · By Department
Travel & Expense (T&E) Report
Employee expense reporting — per-trip logs, category limits, receipts checklist, and approval sign-off.
Per-Trip · Limits · Approval
Procurement & Purchase Plan
Purchase planning — vendors, quotes, order schedule, and spend vs budget by category.
Vendors · Quotes · Order Schedule
Business Income & Expense Template
Simple business bookkeeping — income and expense log with category totals, monthly summary, and tax-ready categories.
Bookkeeping · Tax Categories
Self-Employed & Side Income Templates
For freelancers, side hustlers, and anyone who owes quarterly taxes.
Freelance Budget Template
Irregular income budgeting — lowest-month baseline, project pipeline, business vs personal split, and tax set-aside.
Pipeline · Tax Set-Aside
Side Hustle Profit Tracker
Track hustle profitability — income, expenses, hours, and true hourly rate per gig.
Per-Gig Profit · Hourly Rate
Estimated Quarterly Tax Planner
Never miss an estimated payment — quarterly income projection, safe-harbor calculation, and payment calendar with due dates.
Safe Harbor · Due Dates
Which Business Budget 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.
Related Budget Templates and Resources
All Budget Templates
The complete budget hub.
Annual Budget Templates
Business forecasts and yearly planning.
Project Plan Templates (22)
Pair budgets with project tracking.
Monthly Budget Templates (50)
Personal monthly budgeting.
Income & Expense Trackers
Business I&E tracking.
PM Templates (100+)
All project management templates.
Need More Power?
Running a business? Upgrade to the Business Budget Template (Premium) — the premium version with unlocked dashboards, KPIs, automation, and multi-month tracking.