Personal Finance & Budget Planner

Personal Finance & Budget Planner

Take control of your money with one simple Excel workbook. No complicated software, no subscriptions — just a template you fill in and it does the math for you.

What's inside (7 tabs):

• Monthly Budget; plan what you expect to earn and spend, then see it compared to what actually happened
• Expense Tracker; log your spending and it automatically updates your budget
• Savings Goals; track progress toward specific goals and see exactly how much to save monthly
• Debt Payoff Planner; see all your debts side by side with a suggested payoff order
• Net Worth Tracker; track what you own vs. what you owe, month by month
• Dashboard; a one-page snapshot with automatic charts

Why it works:

Every formula is already built in, you just type your numbers into the yellow cells. Clear color-coding shows you exactly what to edit and what to leave alone.

Who this is for:

Anyone who wants a clear, honest picture of their money without learning complicated budgeting software.

Format: Excel (.xlsx) file, works in Excel or Google Sheets, instant download.