Personal Budget & Monthly Cashflow Tracker — Excel spreadsheet template to download
Track income, expenses, cashflow, and savings against your monthly budget
Finance · tracker · CC0 · Public domain · Built by Sheetly AI
About this template
This finance tracker follows indicators like "Monthly Net Cashflow", "Total Monthly Income" and "Total 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 template to record all income and expenses, monitor monthly cashflow, and measure progress toward your savings goals. Enter each transaction with its date, category, type, and amount, and assign a month to align with your budget period. Review the summary KPIs and category totals regularly to adjust spending and improve savings. Update the template throughout the month to keep your personal finances organized and accurate.
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 "Monthly Net Cashflow" and "Total Monthly Income"
- Make faster decisions based on "Total 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
- Monthly Net Cashflow
- Total Monthly Income
- Total 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
- 39 working formulas — including SUM, AVERAGE, COUNTA. They recalculate as you edit, so the sheet stays yours after download.
- Sized for real data: up to 37 rows × 21 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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