Personal Finance Tracker Excel Template

📊 Personal Finance Tracker – Excel Template

Take full control of your financial life with this comprehensive and realistic Excel-based Personal Finance Tracker – designed for individuals and families who want clarity, confidence, and insight into their income, expenses, assets, debts, and budgets.

🔍 Who is this for?
Whether you're a young professional, freelancer, parent, or dual-income household, this tracker helps you monitor cash flow, plan for big expenses, and make smarter financial decisions without relying on apps or subscriptions.

✅ Features:

• 🧾 Income & Expense Logging
  Track every transaction with detailed categories and subcategories tailored for real-life use (e.g., groceries, healthcare, childcare, subscriptions, etc.).
• 🏦 Multiple Accounts Supported
  Organize cash, debit cards, credit cards, and loans with support for transfers between accounts (with automatic handling of inflow/outflow logic and fees).
• 📅 Date-aware Dashboard & Reports
  Includes dynamic slicers and filters based on actual calendar months. Monthly views for income, expenses, and budget comparisons.
• 📈 Smart Budgeting
  Set monthly budgets by category and instantly compare actual vs. planned expenses.
• 📋 Assets, Liabilities & Net Worth Tracking
  Log your assets, credit card limits, outstanding loans, and net worth evolution.
• 💳 Credit Card & Loan Handling
  Monitor credit card payments, interest fees, and loan amortizations automatically through structured transactions.
• 🎯 Realistic Simulation Data Included
  Comes with sample data based on a Filipino household scenario for easy understanding and testing.
• ⚡ 100% Excel-based – No VBA
  Built entirely with Excel formulas, tables, Power Query, and Power Pivot. Compatible with Excel 2016+ or Microsoft 365.

📦 What’s Included:

• ✅ Fully functional Excel template
• ✅ Clean, modern dashboard
• ✅ Pre-populated categories & sample data
• ✅ Power Query and Pivot Table integration
• ✅ Instructions for customizing to your own life

💡 Tip: Great for freelancers, remote workers, OFWs, or anyone who wants total control of their personal finances in a secure, offline setup.

Start making intentional money decisions today.
Download your copy now and own your finances.