Most people have no idea where their money actually goes.

They check their bank account, feel vaguely stressed, and do nothing about it. Month after month.

This spreadsheet fixes that.

Personal Budget Tracker is a dark-themed Excel template that takes 5 minutes to set up and gives you a clear, honest picture of your finances every single month.

WHAT'S INSIDE:
→ 12 monthly tracking sheets — income vs. expenses by category
→ Automatic savings rate calculator (turns red when you're in the minus)
→ Annual Summary with charts — see your whole year at a glance
→ Savings Goal Tracker — enter your goal, get your monthly target

Works in Excel and Google Sheets. No formulas to set up. Just open and start tracking.

If you saved $200/month you didn't know you were wasting, this pays for itself 26x over.

One-time purchase. Instant download.