Philippines · Free Excel template

Monthly budget template Philippines — fill it in, in pesos, and print it

Your budget is open below: type your salary and bills in pesos. The Excel version keeps 12 months of actuals next to the plan, checks 50/30/20 and tells you how many months to your emergency fund.

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Budget

MONTHLY BUDGET 2026 — in pesos (₱)
Yellow cells = you type · blue cells = calculated (do not overwrite) · example rows are fictional — replace them.

Item	Type	Monthly plan	Jan actual	Feb actual	Mar actual	Apr actual	May actual	Jun actual	Jul actual	Aug actual	Sep actual	Oct actual	Nov actual	Dec actual	Year actual	Avg / month
INCOME
Salary (net, after SSS / PhilHealth / Pag-IBIG / tax)	Income	28,000	28,000	28,000	28,000	28,000	28,000	28,000	28,000	28,000	28,000				252,000	28,000
13th month pay (December)	Income	-													-	-
Side income / online selling	Income	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000	4,000				36,000	4,000
Padala received	Income	-													-	-
															-	-
															-	-
NEEDS
Rent or housing amortization	Need	8,000	7,370	8,110	7,690	8,250	8,300	6,960	6,830	8,810	7,420				69,740	7,749
Electricity (Meralco / coop)	Need	2,200	2,020	2,530	2,180	2,420	2,180	2,290	1,970	2,290	2,440				20,320	2,258
Water	Need	450	450	480	470	390	480	460	420	390	500				4,040	449
Internet and load	Need	1,500	1,490	1,600	1,670	1,600	1,690	1,450	1,640	1,480	1,700				14,320	1,591
Groceries and palengke	Need	6,000	6,680	5,280	5,340	5,490	6,840	5,890	6,230	5,640	6,010				53,400	5,933
Transport (jeep, bus, Grab, gas)	Need	2,500	2,410	2,390	2,560	2,560	2,800	2,640	2,820	2,770	2,870				23,820	2,647
Health, medicine	Need	800	840	720	890	910	900	820	850	730	880				7,540	838
School fees, baon	Need	1,500	1,530	1,400	1,300	1,660	1,720	1,310	1,640	1,460	1,340				13,360	1,484
Loan / credit card minimum	Need	1,500	1,410	1,620	1,670	1,290	1,550	1,300	1,600	1,420	1,670				13,530	1,503
															-	-
															-	-
WANTS
Eating out, milk tea, delivery	Want	1,500	1,720	1,500	1,720	1,410	1,310	1,540	1,290	1,360	1,460				13,310	1,479
Shopping	Want	800	830	720	690	890	760	910	900	770	790				7,260	807
Subscriptions (streaming, apps)	Want	400	400	420	410	410	410	450	400	390	430				3,720	413
Gimik, travel, hobbies	Want	700	640	660	800	700	710	600	680	720	600				6,110	679
															-	-
															-	-
SAVINGS AND GIVING
Emergency fund	Save	2,500	2,590	2,600	2,170	2,600	2,470	2,630	2,390	2,660	2,680				22,790	2,532
Pag-IBIG MP2 / investments	Save	1,000	860	870	1,050	1,140	930	990	1,030	950	960				8,780	976
Padala sent to family	Give	3,000	2,830	2,880	3,090	2,820	2,890	3,250	2,570	3,060	3,210				26,600	2,956
Voluntary SSS / PhilHealth (if self-employed)	Save	-													-	-
															-	-
															-	-
SUMMARY
Income		32,000	32,000	32,000	32,000	32,000	32,000	32,000	32,000	32,000	32,000	-	-	-	288,000
Needs		24,450	24,200	24,130	23,770	24,570	26,460	23,120	24,000	24,990	24,830	-	-	-	220,070
Wants		3,400	3,590	3,300	3,620	3,410	3,190	3,500	3,270	3,240	3,280	-	-	-	30,400
Savings		3,500	3,450	3,470	3,220	3,740	3,400	3,620	3,420	3,610	3,640	-	-	-	31,570
Giving (padala)		3,000	2,830	2,880	3,090	2,820	2,890	3,250	2,570	3,060	3,210	-	-	-	26,600
LEFT OVER (income − everything)		−2,350	−2,070	−1,780	−1,700	−2,540	−3,940	−1,490	−1,260	−2,900	−2,960	-	-	-	−20,640

50/30/20 check (on the monthly plan)
Needs — target 50% of income		76%	Look again
Wants — target 30% of income		11%	OK
Savings + giving — target 20% of income		20%	OK

Emergency fund target (6 × monthly needs)		146,700
Saved so far for emergencies (type)		18,000
Months to reach the target at the planned rate		52

Type: Income · Need · Want · Save · Give — the summary adds by type, so you can add your own lines. Sample numbers are illustrative.
Yellow cells = you type · blue cells = calculated (do not overwrite) · example rows are fictional — replace them.
© Layers (layers.md) · CC BY 4.0 · Free template. Check figures against your own rules and advisers.

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Start typing right in the document — no sign-up. It stays in this browser; save it to your free Layers account to keep it, open it on your phone and share it.

1Fill in. Type into the monthly budget template right here on the page — no sign-up, nothing to install.
2Print or download. Print it in one click, or download the Excel file to keep and edit.
3Send. Print it for the family or share the Excel file with your partner.
4Deadline. Plan on payday (15th and 30th); type the actual amounts at month end.

What is inside

The Excel file, sheet by sheet

Lines you really have
Rent or amortization, Meralco, water, internet and load, palengke, transport, baon, loans.
Savings and giving
Emergency fund, Pag-IBIG MP2, padala to family, voluntary SSS / PhilHealth.
Plan vs actual
Monthly plan and actual for each month, year total and average.
Checks
50/30/20, money left over (red if negative), months to your emergency fund.

Yellow cells are for you to type, blue cells are calculated. Ordinary formulas, no macros — opens in Excel, Google Sheets and LibreOffice. Licence CC BY 4.0 · © Layers (layers.md).

How to use it

Five steps

1
Income
Net salary after SSS, PhilHealth, Pag-IBIG and tax; side income; 13th month in December.
2
Plan
A monthly amount for every bill and expense.
3
Actuals
At month end type what you really spent.
4
Check 50/30/20
Needs ≤ 50%, wants ≤ 30%, savings and padala ≥ 20%.
5
Emergency fund
Aim for six months of needs; the sheet counts the months to get there.

What people do next

Track by bank statement

Paste your bank or e-wallet export to see where money really went.

Plan the 13th month pay

Decide in advance how much goes to savings in December.

What Layers does with it

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The real Excel file

Formulas, checks and print layout in .xlsx — opens in Excel, Google Sheets and LibreOffice.

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Questions

How do I make a monthly budget in Excel?

List your net income, then every expense with a planned amount; at month end type the actual amounts. The template adds them by type and shows what is left over.

What is the 50/30/20 rule?

50% of income for needs (rent, bills, food, transport), 30% for wants, 20% for savings and debt payments. In the Philippines many put padala in the 20% — adjust to your family.

How big should my emergency fund be?

Three to six months of needs. The sheet uses six months and counts how long it takes at your planned savings.

Does it work in Google Sheets?

Yes, the .xlsx opens in Google Sheets and on phones.

Do I have to sign up?

No. The budget is open on this page; sign in free only to save it.

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Monthly budget template Philippines — fill it in, in pesos, and print it

The Excel file, sheet by sheet

Lines you really have

Savings and giving

Plan vs actual

Checks

Five steps

Income

Plan

Actuals

Check 50/30/20

Emergency fund