In order to use this spreadsheet you'll have to decide what accounts you want to track with it and how you'd like to categorize your spending.

transfer: money moving from one account to another.

checking account, wallet / envelopes, mortgage, credit card, etc.)

account: something that can contain money/debt (e.g.

If you feel like helping out please improve it and submit a pull request!)īefore we dive in, I want to define some terms that I'll be using:

( Note: This documentation is incomplete. If you get stuck feel free to post a question in the 'Issues' section of the Github repository. Read the instructions in the blue text boxes and try it out. (It does not contain any VBA scripting so might work in other spreadsheet software, but I have not tested this.) How do I use it?ĭownload the financial-plan.xlsx file and open it using Microsoft Excel. I use it and find it helpful so I've shared it with the public for you to do with as you please. They're designed to be hard / impossible to mess up and usually include free technical support.Īlthough I've tried to make this spreadsheet pretty robust (shouldn't be able to get wrong answers without intentionally disabling the worksheet protection feature) and easy to tailor to your needs, I make no guarantees about the accuracy of its calcuations, its reliability, or any other concern. If you're not comfortable working with an Excel spreadsheet and aren't interested in learning that, I recommend using a budgeting app like EveryDollar instead. I think it is a good compromise between a full-blown accounting system (I had been using GnuCash for years)Īnd pencil and paper (if you do this by hand, props to you for your patience and organization!).ĭISCLAIMER: Although it works great for my purposes, I'm an engineer and enjoy numbers, spreadsheets, formulas, source code, etc. When my wife and I took Dave Ramsey's 'Financial Peace University' course in late 2012 we created this spreadsheet to plan and track our spending. Excel-based monthly spending planner Introduction

Monthly income tracker excel