Personal Budget & Net Worth Dashboard

Know exactly where your money goes. Every dollar. Every month.

Complete personal finance system in Google Sheets or Excel. Log transactions, set a budget (50/30/20 or custom), track debts and assets, and see your full financial picture on a dashboard.

No budgeting app subscriptions. No bank account linking. No giving a third-party access to your financial data.

7 Professionally Designed Tabs

📋 How to Use — 6-step setup walkthrough.
⚙️ Settings — Currency, income, budget method (50/30/20 or Custom), 19 spending categories by Needs/Wants/Savings.
💳 Transactions — Every purchase, bill, deposit. 200+ input rows.
📋 Budget Setup — Needs/Wants/Savings with auto-calculated actuals and remaining.
📊 Monthly View — Month-by-month spending, income, savings rate.
💰 Net Worth — Assets, liabilities, 12-month history.
🎯 Dashboard — 4 KPIs + 4 charts: Income vs Spending, 50/30/20 donut, Category breakdown, Net Worth trend.

Key Features

• 50/30/20 budgeting — Auto-calculates allocations from income.
• 19 spending categories — Needs (7), Wants (7), Savings (5).
• Net worth tracking — Assets, liabilities, 12-month trend.
• Debt overview — Balances, payments, interest rates.
• Sample data — 2 months from “Alex Morgan.”

YNAB costs $99/year. This costs $9 once. No bank login required.