- ⬇ Free Download
- 🏢 Core (5)
- 📣 Marketing (3)
- 🏭 Industry (8)
- ⚙️ Operations (5)
- 💼 Self-Employed (3)
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- ❓ FAQ
- 💬 Comments
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.
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 Budgets
The fundamentals — monthly operations, startup launch, departments, and cash flow.
Small Business Monthly Budget
Revenue streams, operating expenses, payroll, and monthly profit/loss summary — the complete small business money picture.
Revenue Streams · OpEx · P/L Summary
Operating Budget
Annual operating plan — revenue targets and expense budgets by department with monthly phasing and variance.
Department Rollup · Monthly Phasing
Startup Budget
Launch planning — one-time startup costs, monthly burn rate, runway calculation, and break-even projection.
Startup Costs · Burn Rate · Runway
Department Budget
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
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
Sponsorship planning — packages, deliverables, costs, and expected value per sponsorship with approval tracking.
Packages · Deliverables · Value
Industry-Specific Budgets
Pre-built for your business type — categories that match how your industry actually spends.
Construction Budget
Project-based construction budgeting — materials, labor, equipment, permits, and subcontractors with contingency.
Materials · Labor · Subcontractors
Restaurant Budget
Food cost %, labor %, occupancy, and prime cost tracking — the ratios that make or break restaurants.
Food Cost % · Prime Cost
Rental Property Budget
Per-property income and expenses — rent, mortgage, maintenance, vacancies — with cash-on-cash return.
Per-Property · Cash-on-Cash
E-commerce & Inventory Budget
COGS, inventory purchases, fulfillment, ads, and platform fees — margin visibility per month.
COGS · Inventory · Margin
Church Budget
Ministry-based budgeting — tithes and offerings income against ministries, staff, missions, and facilities.
Ministries · Missions · Facilities
Nonprofit & Grant Budget
Program and grant budgeting — restricted vs unrestricted funds, grant line items, and funder reporting layout.
Restricted Funds · Grant Lines
Software & IT Budget
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
Back-office essentials — capital spending, payroll, travel, purchasing, and bookkeeping.
Capital Expenditure (CapEx) Budget
Plan major purchases — equipment, vehicles, property — with approval workflow, depreciation, and ROI justification.
Approvals · Depreciation · ROI
Employee Salary & Payroll Budget
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
Simple business bookkeeping — income and expense log with category totals, monthly summary, and tax-ready categories.
Bookkeeping · Tax Categories
Self-Employed & Side Income
For freelancers, side hustlers, and anyone who owes quarterly taxes.
Freelance Budget
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 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
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Monthly Budget Templates (50)
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Income & Expense Trackers
Business I&E tracking.
PM Templates (100+)
All project management templates.
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