The Money Plan Workbook: 12-Month Budget Spreadsheet for Excel & Google Sheets

What gets measured gets done.

Most budgets are made in January and forgotten by March. Not because the plan was wrong, but because nobody checked it against what actually happened. This workbook fixes that. You plan the month, record what really happened, and see exactly where to act.

What you get: 7 linked sheets

• Monthly Plan: give every dollar a job across essentials, giving, saving and debt, and see what's left to spend freely
• Tracker: twelve months of planned against actual spending, with your monthly average and overspending shown in red
• Sinking Funds: up to ten goals, each with a target, a deadline and the amount to set aside monthly
• Debt Clearance: which debt to clear first, and the month each one ends
• Net Worth: what you own and what you owe, recorded once a month
• Zakat (optional): nisab on gold or silver, with the 2.5% worked out for you
• Start Here: a short guide to filling it in, in order
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Why it works

• Built on one idea: compare the plan with what actually happened, every month. Three months in, the numbers point to the one line that needs attention.
• Honest numbers: no interest or investment returns are assumed anywhere. Every timeline comes from money you actually set aside.
• Giving gets its own line: charity, sadaqah or any cause you care about is planned with the essentials, not left to whatever is spare.
• Any currency: dollars, pounds, euros, rupees, ringgit or rufiyaa. Set it once.
• You type each number once: goals and debt payments flow into the Monthly Plan automatically.
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Who it's for

Anyone with a regular income and a household to run, single or with family, who wants to know each month whether their plan is holding. It takes about ten minutes at the end of each month.

Format

An Excel file (.xlsx) that works in Microsoft Excel and Google Sheets. Example figures in US dollars are filled in so you can see how it works before typing your own. Instant download after purchase.

Made by Ismail Hassan, ACCA, the author of Live Below Your Means.

A planning tool for general education, not financial or religious advice.