Personal Finance & Monthly Budget Planner — Excel spreadsheet template to download
Track income, expenses, savings, and overspending alerts month by month
Finance · planner · CC0 · Public domain · Built by Sheetly AI
About this template
This finance planner organizes indicators like "Total Monthly Income", "Total Monthly Expenses" 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 and track your monthly income, expenses, and savings goals in one place. Enter each transaction with its date, category, budgeted amount, and actual amount to quickly see where you are overspending or underspending. Review the KPIs and category comparisons to adjust your budget and improve your savings rate over time. Update the file regularly during the month for the most accurate view 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 "Total Monthly Income" and "Total Monthly Expenses"
- 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 Expenses
- 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
- 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 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.
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