Budget Tracker, Net Worth Dashboard, Savings Rate Planner (Digital Download)

Track where your money goes and where it's building — in one place, automatically.

Most budget spreadsheets stop at "did I overspend this month." This one goes further: it tracks your full financial picture over time — your monthly budget, your net worth, and your savings rate — and does the math for you so the numbers update themselves as you fill in real figures.

What it does:
- Monthly Budget: 8 category groups (Income, Housing, Transportation, Food, Debt, Savings, Personal/Discretionary, Other), each with a target and Jan–Dec actuals, auto-subtotaled with income, expenses, and net calculated live.
- Net Worth Tracker: 24 months of assets vs. liabilities, net worth calculated automatically, with a trend chart so progress is visible, not just a number.
- Savings Rate: fully automatic, pulled straight from your budget totals, with its own trend chart. Savings and investing contributions get their own line. They're tracked as *building* your future, not counted as an expense that makes saving more look like spending more.
- Dashboard: one tab with KPI cards, a spending-by-category breakdown, a budget-vs-actual comparison, your net worth trend, and your savings rate trend, all in one view.

Who it's for: anyone who wants to stop guessing where their money goes and start seeing the actual trend line; whether you're building your first real budget or you already budget but have never tracked net worth or savings rate in one place.

What's inside:
- 1 Excel file (.xlsx), fully formula-driven, locked-formula cells with clearly marked yellow input cells
- 1 Google Sheets–compatible copy
- 1 one-page PDF Quick-Start guide
- Instant digital download

Compatibility: Microsoft Excel (desktop or Microsoft 365) and Google Sheets (free, any browser). No macros, no add-ons, no subscription.

## FAQ

Do I need Excel to use this?
No, it works in both Excel and free Google Sheets, with a Sheets-ready copy included and upload instructions in the Quick-Start guide.

Is this a fillable template, or do I need to build formulas myself?
Fillable. You only touch the clearly marked yellow input cells; every total, chart, and trend line updates automatically.

Does it handle a $0-income month or an empty template correctly?
Yes, both were specifically tested. A $0-income month shows "n/a" for savings rate instead of an error, and the blank template opens clean with no broken calculations.

Can I track more than 24 months of net worth?
The current version covers a 24-month rolling window, which is enough runway to see a real trend. If you need a longer history, message me before buying.

Do you offer refunds?
This is an instant digital download, so per Etsy's digital item policy I'm not able to offer refunds once it's delivered. If something isn't working as described, message me first and I'll fix it.

Will I get future updates?
Yes, meaningful updates go out free to past buyers. Message me and I'll send the new version.

A note on how this was made: the spreadsheet's structure, formulas, and layout were built by me using Claude, an AI assistant, as a drafting and testing tool under my direction — every formula was independently tested and verified for accuracy before this listing went live. Disclosed per Etsy's AI-use policy.