Personal Finance Tracker for Excel and Google Sheets

Know what you’re really worth, not just what’s in your bank account. This tracker covers 24 months of income, bills, weekly spending, and savings in a single spreadsheet.

What’s inside

Dashboard: Net worth, where your savings sit, this month’s numbers and your budget split, with charts. Pick any month from a dropdown.
Net worth that tells the truth: Mark savings pots as “set aside for future bills” (car insurance, Christmas, holidays) and they’re taken out of your real net worth.
Weekly spending tracker: 104 weeks with categories you choose, a weekly allowance, and an automatic running total of what you didn’t spend.
Overflow tracking: Move unspent money into a pot or an investment, so it’s never counted twice.
Income and fixed expenses: 24 months of income sources and bills, each marked as a Need or a Want.
Savings pots: Targets, target dates, progress bars and the monthly amount you need to hit each goal.
Budget rule check: Compares your spending to a 50/30/20 split, which you can change.
Monthly summary: Savings rate and spending by month.

Why people will like it

Everything calculates automatically. You only fill in the yellow cells.
No currency is hard-coded, so it works anywhere.
A step-by-step Start Here tab is included.
A filled-in example file comes with it, so you can see how it works first.
No subscriptions and no linking to your bank. Your data stays in your own file.