The Euro Money Planner

One file to run your money, built for life in Europe.

• Monthly budget: plan vs actual for every category
• Transactions log with drop-downs (do the 90-day "track every euro" challenge)
• Needs / Wants / Savings split and your real savings rate
• Year overview with a chart of all 12 months
• Emergency fund calculator
• Net worth tracker with a monthly chart
• Invest growth & fees calculator: low-cost vs expensive fund over time

No macros, no subscription, no bank connection needed. Works in Excel, Google Sheets (File → Import) and Apple Numbers.

Want the investing side explained too? Get the European Money Starter Kit, which includes this planner plus the 17-page European ETF Starter Guide.

Education and personal organisation only; not financial advice.