Personal Finance Master Planner

One workbook for the whole of your money: a budget by category, a transaction log, every account's balance month by month, and your debts with the order to clear them.

Setup takes the first of the month, a savings-rate target and a budget per category. Every category is tagged Income, Need, Want or Save, and that tag is what the rest of the file runs on. Review reads the month back to you; Trends reads the year.

WHAT'S INSIDE

Dashboard - the month in four numbers and three charts

Start Here - how the file works and which cells are yours

Setup - the month, the target, the budget

Transactions - one row per transaction

Accounts - a balance per account per month

Debts - what you owe and which one to clear first

Review - the month against its budget, and three questions

Trends - thirteen months, nothing to fill in

THE PART NOBODY ELSE BUILDS

Every amount is a positive number. A forty-dollar grocery shop is 40, not -40, and the category decides which way the money moved. That one decision removes the most common mistake people make in a budget file, a minus sign in the wrong place turning a bad month green. Money moved into savings counts as Save rather than spending, because it leaves your checking account but it does not leave you. Rolling the month over is one date on Setup; Transactions stays untouched, because that history is what every trend here is built from.

WHAT YOU GET

Excel workbook (.xlsx)

Google Sheets template - one click to copy

Setup instructions (PDF)

Free updates for life

BEFORE YOU BUY

Works in Microsoft Excel 2016 and later, and in Google Sheets. No app, no account, no bank connection. There is no runway calculation, no cashflow model and no annual review sheet here. General information only, not financial advice. Digital download, all sales final.