Smart Personal Finance & Monthly Budget Planner Template Spreadsheet for Expense Tracking and Financial Planning with Savings and Debt Tools

Take Control of Your Personal Finances with this Smart Budget Spreadsheet

Take control of your money with this Smart Personal Finance & Monthly Budget Planner Template for Google Sheets — your all-in-one spreadsheet for budgeting, expense tracking, and financial planning. Set up a monthly budget, track spending across custom categories, and monitor your income with a powerful built-in dashboard. Stay on top of savings goals, pay down debt faster, and plan for the future with smart automation and visual insights. Every tool in this template is designed to make personal finance simple, flexible, and incredibly effective.

Supports multiple currencies.

What’s Included in Your Monthly Budget Spreadsheet:

📅 Monthly Budget Templates

• Set monthly budgets, income, and recurring bills — then duplicate with one click
• Use the notes section for reminders or planning ahead
• Instantly see what budget remains per category and your overall leftover amount
• Get monthly pie charts showing where your money is going and how well you stuck to the plan
• Rank transactions by priority (Essential, Neutral, Not Needed) and filter to focus your spending

💼 Personal Finance Dashboard

• Track monthly income, spending, and savings with a full yearly overview dashboard
• View category totals, monthly averages, and spending trends across the year
• Visualize your finances with timeline charts and year-end pie charts
• Analyze spending by priority level: Essential, Neutral, or Not Needed

💰 Savings & Investing Tools

• Automatically calculate how much you can save or invest each month
• Allocate savings to custom categories like investments, sinking funds, or emergency savings
• Use the 50/30/20 rule to check if your money aligns with your goals
• View allocation charts and track savings/investment growth over time
• Sinking fund planner – track irregular expenses (annual bills, bi-yearly, etc).

💳 Debt Tracking

• Add all your debts and view a progress bar as you pay off debt
• Monitor starting vs current balances, monthly payments, and interest amounts
• Mark payments and watch your debt payoff progress update automatically

📈 Net Worth Overview

• Track your monthly net worth and get the price difference across each month

📋 Transaction Log

• Easily record transactions with amount, category, date, and priority level
• Stay organized with your money
• Distinguish between essential and nonessential spending