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Personal Budget Planner Spreadsheet, Monthly Expense Tracker, Savings Goals (Digital Download)

NowPrice:$6.10

Original Price: $7.62

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Sale ends on November 10

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Highlights

Know where every euro (or dollar, or pound) goes — without accounting software.

One spreadsheet for a full year of budgeting: plan each month, log what you spend, track your savings goals, and see plan vs actual on a dashboard. Works in Excel, Google Sheets, LibreOffice and Numbers.

WHAT'S INSIDE — 6 TABS
• Start Here — 10-minute setup guide
• Settings — your currency, your start month, up to 20 spending categories (12 sensible defaults included)
• Budget — 12 months side by side. Type your plan per category; actuals and what's left fill in automatically. Overspending turns red.
• Expense Log — one row per transaction: date, category (dropdown), amount, note, payment method. Room for 1,000 rows.
• Savings Goals — target, deadline, saved so far. Calculates what's still needed, months left and how much to put aside per month.
• Dashboard — pick any month: income, planned vs actual spending, what's left, where the money went by category, savings progress, and a chart.

WHY IT WORKS
• Yellow cells = you type. Everything else = formulas (1,800 of them, all checked). Hard to break.
• Any currency, any start month — your budget year doesn't have to be January to December.
• No macros, no add-ins, no subscription. Download once, use every year (change the year in Settings).
• Comes with example data so you see how it works; delete the sample rows and start.

WHO IT'S FOR
Anyone who wants to stop wondering where the money went: students, couples, families, freelancers with irregular income.

FILE FORMAT
.xlsx — Excel 2010 or newer, Google Sheets (upload to Drive and open), LibreOffice Calc, Apple Numbers.

HOW IT WORKS
This is a DIGITAL DOWNLOAD — no physical item will be shipped. After purchase, download the file from your Etsy Purchases page (Purchases > Download Files). Open it, read the Start Here tab, and you're set in ten minutes.

QUESTIONS
Message me any time. If something doesn't work for you, I'll fix it or refund you within 7 days.

© EMC Guides. For personal use. Please don't resell or share the file.

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Listed on Oct 4, 2026
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