Personal Budget Planner

A monthly budget spreadsheet built on one transaction log. You record what you earn, spend and save, and the monthly budget, 12-month overview, savings goals, sinking funds and dashboard are calculated from it.

What's included

• A transactions log with 1,500 rows. You fill in the date, description, category, amount and account.
• A Monthly Budget tab that compares planned and actual spending by category for any month, with a left to budget figure for zero-based budgeting
• A 12-month overview of every category, with year totals and plan to date
• Savings goals (up to 10) with % complete and the amount needed each month
• Sinking funds (up to 10) for bills you know are coming, like car repairs, holidays and annual subscriptions
• A 50/30/20 tab that shows needs, wants and savings as a share of income, with targets you can change
• A dashboard for the month you pick, with 4 charts and a year to date line
• A Setup tab for your categories, monthly plan and accounts
• An Instructions tab and a 2-page Quick Start Guide (PDF)

Files

• Monthly Budget Planner.xlsx, with a fictional sample year filled in. The Instructions tab lists the cells to clear
• Quick Start Guide.pdf

You get them in one zip file, Monthly Budget Planner.zip.

Good to know

Works in Excel 2016 or later and Microsoft 365 on Windows or Mac, and in Google Sheets on a computer, phone or tablet. There are no macros or add-ins. To use it in Google Sheets, upload the .xlsx to Google Drive, open it with Google Sheets, then choose File > Save as Google Sheets.

The calculated tabs are protected without a password, so you can unlock them if you want to change something.

This is a digital download, so nothing is shipped. You can download the files from your Etsy Purchases page (or the Payhip link) right after you buy. Sample names and figures are fictional.

License (single person / single business): for use by one person, or one business and its own staff. You may edit it and make copies for your own use. You may not resell, share, give away or redistribute the files, or use one purchase for more than one person or business.

Questions? Email Bengopoyan1@gmail.com. More templates: etsy.com/shop/KeelAndCharter and payhip.com/KeelandCharter

This planner is an organizational tool, not financial advice.

Disclaimer: This template is an organizational tool, not financial advice. Results depend on the numbers you enter; check important decisions with a qualified professional.

Designed and reviewed by Keel & Charter. AI tools helped build the spreadsheets, draft the text and lay out the preview images. Preview images show the actual files with sample data.