Personal Monthly Budget & Cash Flow Planner — Excel spreadsheet template to download
Plan your finances, track spending, and monitor monthly cash flow in one place
Finance · tracker · CC0 · Public domain · Built by Sheetly AI
About this template
This finance tracker follows indicators like "Average Monthly Net Cash Flow", "Average Monthly Savings Rate" and "Average Monthly Income" 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 plan your monthly budget, track actual income and expenses, and understand your cash flow trends over time. Enter each transaction with its date, category, and amount, and update your planned budget at the start of each month. The summary KPIs and comparison bars help you quickly see whether you are overspending and how your money is allocated across major categories. Review the data regularly to adjust your budget and stay on track with your financial goals.
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 Cash Flow" and "Average Monthly Savings Rate"
- Make faster decisions based on "Average Monthly Income"
- 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 Cash Flow
- Average Monthly Savings Rate
- Average Monthly Income
- 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
- 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.
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