Personal Finance OS - Monthly Budget, Bills and Savings Tracker (Excel)

Organize your monthly finances in one manual Excel workbook. Track income, recurring costs, a dated spending log, category budgets, accounts and savings goals; the dashboard summarizes the figures you enter.

WHAT IS INCLUDED

• DEMO and CLEAN Excel workbooks

• 13 tabs, including Dashboard, Accounts, Income, Committed Costs, Spending Log, Budget and Savings Goals

• Dropdowns, conditional formatting and two charts

• PDF Quick Start Guide, README, personal-use licence and CSV table backups

HOW IT WORKS

Enter and maintain your information yourself. This workbook does not connect to banks, import transactions, cancel subscriptions, select budgets or make recommendations. Dashboard results are arithmetic based on your entries and settings.

COMPATIBILITY

Designed and checked for Microsoft Excel 2016 or later on Windows or Mac. Google Sheets, LibreOffice Calc and other spreadsheet applications have not been tested; formulas, charts and formatting may differ.

LICENCE AND REFUNDS

One purchase covers one person, including use in that person’s own paid work. Do not resell or redistribute the files. A change-of-mind refund is not offered for a digital download. For file-access problems or a material difference from the product description, contact Quiet Momentum Studio through Payhip support. Applicable consumer rights remain in force.

This is an organizational workbook, not financial, tax or investment advice.