Free Bill Tracker Template (Excel & Google Sheets)
Two ready-made spreadsheets: a monthly bill tracker with a Paid column and running totals, and a yearly tracker with a column for every month. They open in Excel, Google Sheets and Numbers, with no sign-up or email.
Monthly bill tracker
Bill, category, due day, amount, repeats, paid (Y/N), date paid, notes. Totals: due, paid, still to pay, and left after bills once you add income.
Yearly bill tracker
One row per bill and a column for each month. Type Y when paid, and the last column totals what you've paid on that bill this year.
"With my bills" uses the bills saved in this browser's online tracker. If there are none, you get the example rows.
How to open the template in Google Sheets
- Download the monthly or yearly template.
- In Google Sheets, create a blank spreadsheet, then choose File → Import → Upload and select the file.
- Choose Replace spreadsheet. The totals calculate automatically.
- Optional: select row 1 and choose View → Freeze → 1 row so the headers stay visible.
How to open it in Excel
Double-click the downloaded file, or use File → Open. Then File → Save As → Excel Workbook (.xlsx) so any colours or column widths you add are kept. CSV files don't store formatting.
What to put in a bill tracker spreadsheet
- Every fixed bill: rent or mortgage, utilities, phone, internet, insurance, loans, credit card payments.
- Subscriptions: streaming, music, apps, cloud storage, gym. The easiest to forget and the easiest to cut.
- Yearly and quarterly bills: car registration, property tax, annual renewals. Put the monthly share in your budget so they're never a surprise.
A spreadsheet can't remind you before a due date. If that's what you need, use the online bill tracker (with calendar alerts) or the phone app, and keep the spreadsheet for your records. For a paper version, see the printable bill tracker.
Frequently asked questions
Does this bill tracker template work in Google Sheets?
Yes. In Google Sheets choose File → Import → Upload, pick the downloaded .csv, and select "Replace spreadsheet" or "Insert new sheet". The total formulas calculate as soon as it opens.
Does it work in Excel or Numbers?
Yes. Double-click the .csv to open it in Excel, or open it in Apple Numbers. Save it as .xlsx or .numbers if you want to keep formatting you add.
How do I mark a bill as paid?
Type Y in the "Paid?" column (monthly template) or under the month (yearly template). The paid and still-to-pay totals update automatically.
Can the template start with my own bills?
Yes. Add your bills to the free online bill tracker on this site, then come back and choose "with my bills". Otherwise the template starts with eight example bills you can overwrite.
Spreadsheet or bill tracker app?
A spreadsheet is flexible and easy to share. An app handles the parts a spreadsheet can't: reminders before each due date, and rolling repeating bills forward automatically. Plenty of people use both.