Personal Budget Notion Template

Ratio App
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Track personal budget with valuable insights designed to help you make healthier financial decisions.

This Notion template helps you keep track your personal budget.

  • Organise your expenses by category
  • Visualise important insights in real time: difference between potential and actual costs
  • Create new pages from the template every month to track your expenses by category.
  • Projected cost should be based on your past expense data.
  • Actual cost is a sum of all your expenses in each category
  • Make informed financial decisions

Projected and actual costs are both important elements of a budget because they provide different types of information that can help you manage your finances effectively.

Projected costs are estimates of how much you plan to spend on a particular item or category over a given period, usually a month or a year. They are based on your past spending patterns, current needs, and future expectations. Projected costs allow you to plan ahead and allocate your resources effectively. They also help you identify potential issues before they occur, so you can take corrective action if needed.

Actual costs, on the other hand, are the real costs you incur during a given period. They reflect the actual amount of money you spent on a particular item or category, regardless of whether it was more or less than what you had projected. Actual costs provide valuable feedback on how well you are managing your budget and can help you identify areas where you need to adjust your spending habits.

By comparing projected and actual costs, you can gain insights into your spending patterns and adjust your budget accordingly. For example, if your actual costs are consistently higher than your projected costs for a particular category, it may be an indication that you need to adjust your budget or look for ways to reduce your expenses in that area. On the other hand, if your actual costs are consistently lower than your projected costs, you may be able to reallocate those funds to other areas of your budget or use them to save for future expenses.

If you need icons for any new categories you add to the template, you can send a request to and we will mail them to you for free.


How to download the template?

Open the template link, then click "Duplicate" on the top right corner to duplicate it to your workspace.


This product is meant to be a tool to help you develop healthy financial habits and achieve your financial goals. It does not provide integration with any financial bank or wallet service.

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About Us

@ Ratio App we provide personal finance tools (spreadsheet, Notion and PDF templates and apps) and tips to help you become financially responsible.

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You'll get a Notion template you can duplicate into your workspace to keep track of your budget. Free Notion style icons to use for your categories.


Personal Budget Notion Template

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