Comprehensive Budget and Spending Spreadsheet (with automations)

You know exactly where your money goes. It goes to rent, groceries, that streaming service you forgot you subscribed to, and somehow — somehow — it's all gone by the 20th.

This spreadsheet fixes that.

What Is This?

A fully built, four-tab Excel spreadsheet that gives you complete visibility over your finances — what comes in, what goes out, where you're headed with your savings goals, and exactly how long until your debt is gone. It works in USD or Euros, so it doesn't matter which side of the Atlantic you're on.

No spreadsheet skills required. If you can click a cell and type a number, you're in.

The Four Tabs

📊 Dashboard Your financial command centre. Everything — income, expenses, savings, goals, debt — summarised in one place. It all updates automatically from the other tabs, so you're never manually copying numbers around.

💰 Monthly Budget The main event. 44 line items across four sections: Income, Fixed Expenses, Variable Expenses, and Savings. For every single row, you enter what you planned to spend and what you actually spent. The Difference column does the uncomfortable maths for you.

🎯 Financial Goals Track up to 10 savings goals with target amounts, monthly contributions, and a live progress bar that fills in as you save. Whether it's an emergency fund, a holiday, a house deposit, or "I just want a bigger number in my account" — it's tracked here.

💳 Debt Tracker List your debts, enter the balance, APR, and your monthly payment. The sheet calculates exactly how many months until each debt is gone, the projected payoff date, and the total interest you'll pay. It also explains the Avalanche and Snowball payoff strategies so you can choose which approach suits you.

Features Worth Highlighting

✅ USD and Euro support — switch currencies with one dropdown on the Dashboard

✅ Budget vs Actual side by side for every line item

✅ Visual savings progress bar (each █ = 5% closer to your goal)

✅ Debt payoff date calculated automatically using a financial formula

✅ Everything links together — change a number in one tab, the Dashboard updates instantly

✅ Works in Microsoft Excel and Google Sheets

✅ Welcome guide PDF included with step-by-step instructions

Who Is This For?

• Anyone who's said "I should really make a budget" more than three times
• People actively trying to pay off debt and wanting to see a real payoff date
• Anyone saving toward a specific goal and tired of guessing how long it'll take
• Households trying to get both people on the same financial page
• Anyone who wants to feel more in control of their money without hiring a financial adviser

What You Get

✅ Personal Finance Planner.xlsx

✅ "Stop Wondering Where Your Money Went" — instruction guide PDF

✅ Instant download — yours to keep and use every month

Built with care and an unreasonable number of spreadsheet formulas.