Free UAE Budget Planner

Stop wondering where your salary goes each month.

Download our UAE budgeting tool to see exactly how much you spend, and how much you could be saving.

Stop wondering where your salary disappears each month
Know exactly what you can save - before you spend it
Catch budget leaks before they drain your account
Build a savings habit that actually sticks

Free · Google Sheets & Excel · No account needed

Money Luna budgeting tool open on a laptop

Free download

Your budget, your rules. Start for free.

Preview of the Money Luna budgeting spreadsheet

Here's what you get

Six steps to total clarity.

Set up your income

Create your budget

Review your budget

Track your expenses

Review plan vs actuals

Year in review

Frequently asked questions

Quick answers about how the calculator works and how to read the results.

Is this really free?+

Yes - completely. No credit card, no account, no catch.

How does the tool help me save money?+

The planner maps every dirham coming in and going out across categories. You set a monthly budget, log your actuals, and the tool instantly shows where you're over or under - so you can make smarter decisions before money slips away.

How do I use the Google Sheets version?+

Click "Open in Google Sheets" and it will create a private copy in your own Google Drive. No shared access - no one can see your numbers.

What happens to my data?+

Your financial data stays in your own spreadsheet - we never see it. Your email is used to send weekly money tips. You can unsubscribe any time.

Can I use it if I'm paid in a currency other than AED?+

Yes. The template uses AED by default, but you can rename any label. The formulas work with any currency.