AI budget builder
AI budget builder for small businesses
Describe your business and get a 12-month budget with real formulas for revenue, costs and profit. Edit freely and download to Excel.
Opening the template uses no credits. Building from a prompt uses credits; the Free plan includes 25.
Most budgets start from a blank sheet or a generic template that doesn't match how your business earns and spends money. Tabstra builds the structure from your description, with totals and profit as real formulas you can inspect.
What the spreadsheet looks like
| Row | A | B | C | D | E | F | G | H | I | J | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Category | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
| 2 | Revenue | 100,000 | 102,000 | 104,040 | 106,121 | 108,243 | 110,408 | 112,616 | 114,869 | 117,166 | 119,509 | 121,899 | 124,337 | =SUM(B2:M2) |
| 3 | Salaries | 45,000 | 45,000 | 45,000 | 45,000 | 45,000 | 45,000 | 45,000 | 45,000 | 45,000 | 45,000 | 45,000 | 45,000 | =SUM(B3:M3) |
| 4 | Marketing | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | =SUM(B4:M4) |
| 5 | Operating expenses | 12,000 | 12,000 | 12,000 | 12,000 | 12,000 | 12,000 | 12,000 | 12,000 | 12,000 | 12,000 | 12,000 | 12,000 | =SUM(B5:M5) |
| 6 | Total expenses | =SUM(B3:B5) | =SUM(C3:C5) | =SUM(D3:D5) | =SUM(E3:E5) | =SUM(F3:F5) | =SUM(G3:G5) | =SUM(H3:H5) | =SUM(I3:I5) | =SUM(J3:J5) | =SUM(K3:K5) | =SUM(L3:L5) | =SUM(M3:M5) | =SUM(N3:N5) |
| 7 | Profit | =B2-B6 | =C2-C6 | =D2-D6 | =E2-E6 | =F2-F6 | =G2-G6 | =H2-H6 | =I2-I6 | =J2-J6 | =K2-K6 | =L2-L6 | =M2-M6 | =N2-N6 |
This is the real first sheet of the Business Budget template. Every total is a formula.
Who it's for
- Founders preparing a yearly plan
- Small business owners replacing a messy spreadsheet
- Freelancers who want a simple monthly overview
What you get
- Monthly columns with yearly totals
- Revenue, cost categories and profit as live formulas
- Labelled assumptions you can change in one place
- Excel download with formatting
How it works
- 1
Describe the business
Name your main revenue streams and costs. Missing numbers become clearly labelled assumptions.
- 2
Check the formulas
Click any total to see the SUM or subtraction behind it. Nothing is a hidden hard-coded number.
- 3
Adjust and ask
Edit numbers yourself for free, or ask for changes like "add a hiring plan from June".
Prompts to try
Tips from practice
- Start with revenue drivers (customers × price) rather than one revenue line.
- Keep one-off costs in their own row so monthly trends stay readable.
- Compare against actuals later with the Budget vs Actual template.
Good to know: Tabstra doesn't connect to your bank or accounting system. Numbers come from you or from labelled assumptions.
Formulas used here: SUMIFS, Percentage change, ROUND