Comprehensive Personal Finance & Monthly Budget Workbook
Track income, expenses, savings, and budget variances month by month. Free .xlsx with formulas. Tracks Average Monthly Net Savings, Savings Rate vs Income.
Finance · tracker · CC0 · Public domain · Built by Sheetly AI
About this template
This finance tracker follows indicators like "Average Monthly Net Savings", "Savings Rate vs Income" and "Average Monthly Expenses" over time. Log your entries in the Data tab and the tracking stays up to date — no need to build the spreadsheet from scratch.
Use this workbook to organize your monthly income, fixed bills, variable spending, and savings contributions in one place. Enter each transaction with its date, category, type, and amount to see how your actual spending compares to your planned budget. Review the summary KPIs and category comparison to identify overspending, adjust targets, and improve your savings rate over time. Update the file regularly to maintain an accurate picture of your personal finances.
Released under the CC0 license (public domain): you can download, edit and use it freely — including in commercial projects — with no attribution required.
Use cases
- Track indicators like "Average Monthly Net Savings" and "Savings Rate vs Income"
- Make faster decisions based on "Average Monthly Expenses"
- Monitor your finances without building the spreadsheet from scratch
- Edit the entries in the Data tab and watch the dashboard recalculate automatically
Key features
- Average Monthly Net Savings
- Savings Rate vs Income
- Average Monthly Expenses
- Tracking dashboard with 3 automatic indicators
- Editable formulas in the Data tab
- In-cell mini charts (sparklines)
What's inside the file
- 3 tabs: Dashboard, Data, Instructions
- 41 working formulas — including SUM, AVERAGE, COUNTA. They recalculate as you edit, so the sheet stays yours after download.
- Sized for real data: up to 38 rows × 18 columns already laid out and formatted.
- Built-in chart that updates with your numbers.
Everything is a normal .xlsx: it opens in Excel, Google Sheets, LibreOffice and Numbers, with no add-ons, no macros and no locked cells.
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