Description
Most people know they should budget. The problem isn’t motivation — it’s the blank spreadsheet staring back at them. This planner removes that friction entirely.
The Monthly Budget Planner is a fully built, formula-complete financial management workbook. Every section is pre-structured, every calculation is automated, and every sheet connects to a live dashboard that updates the moment you enter a number.
What’s included:
Dashboard — A single-screen financial overview showing total income, total expenses, net cash flow, total bills, outstanding debt, and your savings rate — all calculated automatically. No manual updates needed.
Income Tracker — Log up to 20 income sources (salary, freelance, rental income, dividends, and more) with expected vs actual columns so you can see exactly where you land each month.
Expense Tracker — 32 pre-categorised expense lines across 9 categories: Housing, Transport, Food & Groceries, Health, Education, Entertainment, Personal Care, Savings, and Other. Budgeted vs actual vs variance, with a category summary that feeds directly into the dashboard.
Bill Tracker — Track every recurring bill with due date, status (Upcoming / Paid / Overdue / Skipped), and paid date. Live counters show how many bills are paid, how many are overdue, and how much is still outstanding this month.
Debt Tracker & Payoff Planner — Enter up to 10 debts (credit cards, personal loan, car finance, home loan, store accounts) with outstanding balance, interest rate, and minimum payment. A built-in months-to-payoff formula calculates your payoff timeline automatically. Includes a Snowball vs Avalanche method selector and an extra payment input to model accelerated payoff.
Settings Sheet — Set your name, budget month, currency, savings goal percentage, and emergency fund target once. The entire workbook references these settings automatically.
Works in both Excel and Google Sheets — No proprietary functions. Open it on any device, share it with a partner, or make a copy in Google Drive.
Blue cells = your inputs. Black = formulas. Nothing to break.
Who this is for: Employed professionals managing a monthly salary. Freelancers tracking variable income. Anyone carrying debt who wants a clear payoff plan. Households looking to close the gap between what they earn and what they spend.
File format: .xlsx (Excel) — Google Sheets compatible via Google Drive import.
