100% Free Budget Template. No Credit Card Required
Completely free budget template with AI categorization. No hidden costs, no subscriptions, no trials that expire. Create your budget in Google Sheets or Excel, start free forever.
Drag and drop
or browse for expense files
How it Works
1. Upload your expense file
Upload a CSV or XLSX file with your expenses. That's all you need to get started. Our system supports various formats and automatically detects the structure of your data.
2. Superworker gets to work
Superworker cleans and organizes your data, then runs the analysis in a spreadsheet. Our AI automatically categorizes expenses, identifies duplicates, and structures your data for optimal insights.
3. Get your spreadsheet with insights
You'll receive a spreadsheet with organized data and actionable insights. From there, you can ask follow-up questions, dive deeper into the numbers, or export your data for further analysis.
What our users say
"Superworker saved me so much time when I was building a competitive analysis. I finished a full review in just a few hours, something that used to take weeks."
"Superworker helped me analyze my Google Cloud billing data, it showed me where I was overspending, and I ended up cutting my costs by 50%."
"I absolutely love what you’ve built! It’s saving me hours and hours of time. Superworker makes spreadsheets feel easy and magical, even for non-technical people like me."
Actually free. No asterisks.
You've seen it before: 'Free Budget Template!' Click. 'Enter your credit card for free trial.' Or 'Free for 7 days, then $19.99/month.'
That's not free. That's a free trial. Here's what we mean by FREE:
• No credit card required
• No subscription that starts later
• No 'premium' features locked behind a paywall
• No surprise charges
• No trial expiration
Use the free plan forever. We mean it.
FREE AI-powered budget creation
Upload your bank statement or expense history. Get 5 free AI messages to:
• Automatically categorize every transaction
• Build a personalized budget template
• Get spending insights and recommendations
• Download as CSV or Excel for use in Google Sheets or Excel
• Ask follow-up questions about your budget
All FREE. No bait-and-switch. After 5 messages, you can keep using your budget in Google Sheets or Excel—still free. Want more AI analysis? Upgrade to Pro for $40/month. But you never have to.
Why some features cost money (and most don't)
Let's be honest: AI costs us money to run. Every message uses OpenAI or Anthropic credits. That's why we give you 5 free messages—enough to build a complete budget template.
After that, your budget is yours. Download it. Use it in Google Sheets (free). Use it in Excel Online (free). Update it manually. Share it with your partner. It works forever.
Want unlimited AI help? Pro plan is $40/month. You get unlimited messages, automatic categorization, ongoing budget advice, and priority support. Worth it if you use AI regularly. Not required if you don't.
Free Google Sheets budget. Free Excel budget. Your choice.
Google Sheets (100% free)
No Microsoft subscription needed. Works on phone, tablet, computer. Automatic cloud backup. Share with anyone. Real-time collaboration.
Excel Online (also free)
Free with Microsoft account. Classic Excel interface. Works in your browser. Download as .xlsx anytime.
Both options are completely free to use. Forever. No subscriptions. No hidden costs.
What you get FREE vs what costs money
FREE forever:
• 5 AI messages to build your budget
• All budget templates (download as many as you want)
• Download as CSV or Excel for use in Google Sheets or Excel
• Manual budget updates
• Your data stays yours
• No expiration
Pro ($40/month, optional):
• Unlimited AI messages
• Automatic categorization for new expenses
• Ongoing budget analysis and advice
• Priority support
• Advanced AI models
Most people use the free plan. Upgrade if you want ongoing AI help. Downgrade anytime.
Your data stays private—for free
Some 'free' tools sell your data to cover costs. We don't.
Your financial information is encrypted in transit, stored securely, and never sold to advertisers or third parties. You can download or delete your data anytime.
Privacy isn't a premium feature. It's a right. Read our privacy policy.
Frequently Asked Questions
Really free. No catch. You get 5 free AI messages to build your budget, then you can use the budget forever in Google Sheets or Excel at no cost. We offer paid plans ($40/month for Pro) if you want unlimited AI help, but you never have to upgrade.
Nope. No credit card required. Just sign up with your email and start building your budget.
You keep your budget. Download it as CSV or Excel to use in Google Sheets or Excel and use it forever. Want more AI analysis? Upgrade to Pro for $40/month. But the budget you created is yours—free, forever.
Yes! Google Sheets is completely free with a Google account (also free). Upload your budget, access it from any device, share with your partner—all at no cost. Google Sheets is free forever.
Excel Online is free with a Microsoft account. You can create and edit Excel files in your browser at no cost. Want desktop Excel? That requires Microsoft 365 ($6.99/month), but the online version works great for most people.
No hidden fees. The free plan includes everything you need to create and maintain a budget. Paid plans offer unlimited AI messages and advanced features, but basic budgeting is free forever.
Most 'free' tools are actually free trials that charge you later. We're different. Free means free—no credit card, no surprise charges. If you want to upgrade to Pro later, you can. But you never have to.
Yes. Start free. Upgrade to Pro ($40/month) anytime if you want unlimited AI help. Cancel and return to free whenever you want. No contracts, no penalties.
Free: 5 AI messages, manual budget updates, download as CSV/Excel. Pro ($40/month): Unlimited AI messages, automatic categorization, ongoing analysis. Business ($200/month): Premium AI models, founder support. Most people start free and stay free.