Personal Finance Budget Planner & Analytics

Plan your monthly budget, track spending, and compare categories at a glance. Free .xlsx with formulas. Tracks Total Monthly Income, Total Monthly Spending.

Finance · planner · CC0 · Public domain · Built by Sheetly AI

About this template

This finance planner organizes indicators like "Total Monthly Income", "Total Monthly Spending" and "Savings Rate" so you can plan ahead. Edit the data in the Data tab and the plan adjusts — no need to build the spreadsheet from scratch.

Use this template to plan your monthly personal budget, log actual expenses, and compare spending across categories. Enter your monthly income and budget by category, then record each expense transaction as it occurs. The dashboard summarizes total income, total spending, savings, and key category comparisons so you can quickly spot trends. Review the analytics monthly to adjust your budget and improve your financial habits.

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 "Total Monthly Income" and "Total Monthly Spending"
• Make faster decisions based on "Savings Rate"
• Plan your finances without building the spreadsheet from scratch
• Edit the entries in the Data tab and watch the dashboard recalculate automatically

Key features

• Total Monthly Income
• Total Monthly Spending
• Savings Rate
• Planning 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
• 40 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 × 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.

Download the .xlsx free

Related free templates

• Construction Project Cost & Budget Control Workbook — Excel template with real formulas — Estimate materials and labor, track costs vs budget, and monitor schedule KPIs. Free .xlsx with formulas.
• Construction Project Cost Estimation & Budget Dashboard — free Excel template — Track estimated vs actual construction costs and budget performance. Free .xlsx with formulas. Tracks Total Estimated Cost, Total Actual Cost, Budget.
• Premium Personal Finance & Budgeting Dashboard — Track multi-currency budgets, expenses, and savings with a calendar view. Free .xlsx with formulas. Tracks Total Income (Period), Total Expenses (Period).
• Small Business & Freelancer Finance OS — free Excel template — Central hub for cash flow, income, expenses, and KPI tracking with dashboards. Free .xlsx with formulas. Tracks YTD Net Cash Flow, YTD Revenue.
• Personal & Freelance Finance OS — free Excel template — Manage irregular income, budget, and track monthly freelance performance KPIs. Free .xlsx with formulas. Tracks YTD Freelance Income, YTD Personal Expenses.
• Single-Day Event Sales & Cost Planning Dashboard — Plan ticket sales, costs, profit, and break-even for a single-day event. Free .xlsx with formulas. Tracks Total Ticket Revenue, Total Event Costs, Net Profit.

Browse every free Excel template built by Sheetly AI.