Personal Finance Excel Dashboard (Free, Excel + Google Sheets)
What's inside the personal finance dashboard
The workbook has two tabs: Transactions (up to 300 rows - month label, category, Income or Expense type, and amount) and Monthly Summary (up to 24 months, with income, expenses, net savings and savings rate calculating automatically).
Log a transaction once on the Transactions sheet with the same month label (e.g. "Jan 2026") you'll use on every other transaction that month, and the Monthly Summary sheet totals it into the right row automatically via SUMIFS - no manual re-entry, no separate account-by-account files to merge.
A line chart on the Monthly Summary sheet plots net savings by month automatically, so trends show up without building a chart from scratch.
Consolidating spending across categories into one view
Where a plain budget template usually tracks one category list against one set of monthly totals, this dashboard is built around a single transaction log that can hold any number of categories - housing, food, transportation, entertainment, savings, debt payments - and still rolls up cleanly per month.
Free competitors found in search results are either basic downloadable .xlsx dashboards with simple charts, or unstyled open-source builds requiring DIY setup. This template pairs the same dashboard shape - multi-category rollup, auto-generated chart, savings rate - with a formula-driven build that doesn't need any manual chart configuration.
Savings rate and a simple net worth view
Savings rate is net savings (income minus expenses) divided by income, calculated per month and shown as a percentage next to the dollar figures - so you can see whether a good income month actually translated into saved money.
The summary also totals net worth as a simple cumulative running total of net savings across every month you've logged. That's different from a full balance sheet tracking specific assets and debts line by line - for that level of detail, see the Marital Balance Sheet template instead.
Who this template is for
Anyone who wants one dashboard view across all their spending categories - not a single-account tracker, and not a category-by-category flat budget sheet - with charts that update automatically as they log transactions.
It's built for people comfortable typing a consistent month label per transaction; if you want automatic bank-feed imports or multi-account syncing, this is a manual-entry tool, not a connected finance app.
How to use it
- Log every transaction: month label, category, Income or Expense, and amount.
- List each month once on Monthly Summary - income, expenses, savings rate and the chart update automatically.
- Check the totals below the table for your overall savings rate and cumulative net worth.
Download the free Personal Finance Excel Dashboard (Free, Excel + Google Sheets)
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Frequently asked questions
Does this pull data from my bank automatically?
No. You enter each transaction manually - month, category, type and amount. There's no live bank connection.
How is net worth calculated here?
As a simple running total of net savings (income minus expenses) across the months you've logged - not a full assets-and-debts balance sheet. For that level of detail, see the Marital Balance Sheet template.
Why does the Monthly Summary rollup use a typed month label instead of a date?
So the SUMIFS formula can match every transaction to its month reliably without a MONTH() function. Type the exact same label (e.g. "Jan 2026") on every transaction for that month.
Can I use this in Google Sheets?
Yes. Upload the downloaded file to Google Drive, then open it and choose File > Save as Google Sheets. The SUMIFS formulas and chart keep working.
How is this different from the site's other budget templates?
This is a consolidated multi-category dashboard with charts driven by one transaction log. The Zero-Based Budget, Debt Payoff and Bill Calendar templates target more specific, single-purpose budgeting tasks.
What's the usage license?
Personal use. It's not meant to be resold or redistributed as a template product.