Income and Expense Tracker (Excel Template)

One simple record of every cedi in and out of your business, whether it moves as cash, Mobile Money or bank.

This Excel workbook turns your daily payments into a clear monthly picture: how much came in, what you spent, and what is left as real profit. It is built for shops, small businesses, freelancers and side hustles.

What you get:

Transactions sheet: record each payment with date, type, category and how it was paid (Cash, MoMo or Bank). Drop-down lists keep entries tidy.

Summary sheet: income, expenses and profit for each month of the year, with a chart.

Spending breakdown: see exactly where your money went, by category.

Balance by payment method: check your cash, MoMo and bank balances against your till and phone.

Owner drawings kept apart from running costs, and a category for MoMo charges, so your profit is not overstated.

Editable category list, so it matches your own business.

A filled-in example copy, so you can see how it works before adding your own entries.

A Start Here sheet with step-by-step instructions.

Works in Microsoft Excel 2010 or later, LibreOffice and Google Sheets. Amounts show in Ghana cedis (GHS). Instant download after payment.