Dashboard
Budget
Savings
Shop › Personal Budget Tracker
Digital Spreadsheet

Personal Budget Tracker

Know where your money goes — income, expenses, savings goals, all in one spreadsheet that does the maths for you.

  • 6 tabs: Dashboard, Monthly Budget, Transactions, Income Tracker, Savings Goals, Annual Summary
  • 20 expense subcategories across 7 groups (housing, transport, food, and more)
  • Savings goals with auto-calculated progress and monthly targets
  • 542 formulas — budget vs actual updates automatically
  • Works in Excel, Google Sheets & Apple Numbers
  • Instant download — available immediately after purchase
$9.99
One-time payment · Instant download · No subscription
Buy on Etsy — $9.99 Also available on Gumroad

Got debt to tackle? Pair it with the Debt Payoff Calculator for a complete money plan.

What's inside

Six dedicated tabs to take control of your personal finances:

📊 Dashboard KPI cards: total income, expenses, net savings, and savings rate. Budget overview and savings goals progress at a glance.
💰 Monthly Budget 7 category groups, 20 subcategories. Budgeted vs actual auto-fills from your transactions. Green = under budget, red = over.
📝 Transactions 500-row log. Date, category, description, amount, payment method, and notes. This is where all your numbers come from.
💵 Income Tracker Log all income sources. Frequency auto-converts (weekly, biweekly, monthly, annual, quarterly) to a monthly equivalent.
🎯 Savings Goals Track up to 9 goals. Auto-calculates remaining amount, percentage complete, and how much to save each month to hit your target.
📅 Annual Summary Month-by-month breakdown of every subcategory. Income vs expenses trend chart and spending breakdown pie chart.
Dashboard Tab
Monthly Budget
Transactions Log
Savings Goals
Annual Summary with charts
Pairs well with

Debt Payoff Calculator

If you're working on paying off debt, pair this budget tracker with our Debt Payoff Calculator to compare avalanche vs snowball strategies and track your progress.

View Debt Payoff Calculator — $9.99
💰
Personal Budget Tracker What you're looking at now
📉
Debt Payoff Calculator The perfect companion