Personal Finance Dashboard Google Sheets | Budget Spreadsheet with Categories & Monthly Summary | Auto-Calculating | Instant Download

Seller's description

**💰 Personal Finance Dashboard — Google Sheets Edition**

A complete personal finance system in one spreadsheet: log every transaction once, and it automatically builds your monthly income/expense summary, category budgets, and an overall dashboard — all with live formulas, no manual recalculating, no subscription.

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**✨ WHAT YOU GET**

✅ 5 connected tabs: Categories, Transactions, Monthly Summary, Dashboard, Instructions
✅ 20 built-in categories (17 expense + 3 income) — add unlimited custom ones
✅ Auto-filled transaction Type — pick a category, the Income/Expense type fills itself in (no mismatches possible)
✅ Per-category Monthly Budgets, with live "Budget Used %" tracking
✅ Jan-Dec Monthly Summary table for any year — income, expenses, net savings
✅ Full Dashboard — all-time totals, savings rate, this month's numbers, budget status
✅ Top Spending Categories This Month, auto-ranked (Google Sheets QUERY)
✅ 150 transaction rows built in — about a year of activity for most households
✅ Color-coded, protected cells — formulas can't be accidentally overwritten
✅ Works in Google Sheets AND Excel

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**💸 ONE-TIME PAYMENT vs. SUBSCRIPTION APPS**

Most budgeting apps charge you every single month, forever:

| | Monthly subscription apps | Personal Finance Dashboard (Sheets) |
|---|---|---|
| Price | ~$5–15 / month ($60–180 / year) | $4.49 **once** |
| Account required | Yes, theirs | No — just your own Google account |
| Your data | On their servers | In your own Google Sheets / Excel file |
| Customizable | Rarely | Fully — it's a spreadsheet you own |

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**📦 FILES INCLUDED**

• PersonalFinanceDashboard_GoogleSheets.xlsx — the spreadsheet (import into Google Sheets or open in Excel)
• Instructions.html — full user guide

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**🚀 HOW IT WORKS**

1. Download the .xlsx file
2. Upload it to Google Sheets (File → Import → Upload) or open it directly in Excel
3. Set up your categories and monthly budgets first (Categories tab)
4. Log transactions as they happen (Transactions tab) — 16 demo rows show you the pattern
5. Watch your Monthly Summary and Dashboard update automatically, in real time

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**📊 20 CATEGORIES INCLUDED**

Expense: Bills · Dining Out · Education · Entertainment · Gifts · Groceries · Health · Insurance · Loan · Personal Care · Pets · Rent · Savings · Shopping · Subscriptions · Transport · Travel

Income: Salary · Freelance · Other Income

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**🔒 100% PRIVATE**

Your data lives in your own Google Sheets copy or local Excel file — nothing is sent anywhere, no account with a third party required beyond your own Google/Microsoft login.

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**❓ FAQ**

Q: Do I need a Google account?
A: To use Google Sheets, yes (it's free). The file also works fully in Microsoft Excel.

Q: Can I add my own categories?
A: Yes — the Categories tab has 15 empty rows ready for custom categories, in addition to the 20 built-in ones.

Q: Does the "Top Spending Categories" table work in Excel?
A: The core spreadsheet (Transactions, Categories, Monthly Summary, and every Dashboard KPI) works identically in Excel. That one bonus table uses a Google Sheets–only function and may show an error in classic Excel — everything else is unaffected.

Q: What if I run out of transaction rows?
A: 150 rows are built in. If you need more, just insert additional rows following the same pattern — the formulas copy down automatically.

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**⭐ PLEASE LEAVE A REVIEW**
Your review helps other buyers and motivates us to keep improving. Thank you! 🙏

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*Instant digital download — no physical product shipped.*